WillisBack/dataset-financial-user-claim huggingface dataset:
I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per TransUnion instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
Mortgage lien opened via refinance in XX/XX/XXXX. I had a chapter XXXX discharged in XX/XX/XXXX that had been open since XXXX. Pacific Union had been reporting it as current and open. Speaking with their servicing they said as soon as they received word of the discharge they would begin reporting to the bureaus. On XX/XX/XXXX I sent them a copy of my report as I was purchasing an investment property. I mentioned that although reporting the account as current there was no monthly activity being reported nor was the current balance being updated. I received a letter from Pacific Union indicated they had erred and would correct the mistake. In XXXX they reported the loan as closed and subject to a bankruptcy and refuse to correct the error. They sent me a nasty email saying it was not their obligation and the debt was not re-affirmed. Chapter XXXX bankruptcy does not require any re-affirmation of debt only a chapter XXXX does as was also conveyed by the previous servicing manager I had spoken to. The account is open and in good standing and has never been late and I would like such to be reflected on my credit.
the XXXX account in question XXXX ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.
Good afternoon, I am wanting to write in regard to a situation that I feel was professionally wrong. I communicated with a collection agency Hunter Warfield on a debt that I owed to them. I set up to where I settled for a disclosed figure and was told by the employee ( XXXX XXXX ) that it would be taken off my credit within 24hrs of final payment. well I called and tried to figure out how to go about making sure that this was taking off my credit as I had already been able to go and print out the receipt of payment where it states that the collection had been XXXX out and settled in full. Upon trying to do so I spoke with another employee who submitted a manual notification stating that it had been settled as well to the credit company and provided me with the AUD Update Control Number to provide to the credit company as well. Upon contacting the credit company I was informed that it was going to be up to the collection company as to whether or not they remove it off my credit. I called Hunter Warfield back and was transferred to a lady by the name of XXXX XXXX who did n't seem to want to try and hear me out at all and started out by cutting me off and stating that she did n't care what some credit company had told me that she had the say so on whether or not it be removed. XXXX XXXX also went on to inform me that if I did n't be quiet and listen to what she had to say that I was n't definitely going to have anything moved off of my credit. I tried explaining to her that an employee of Hunter Warfield had told me that the debt would taking off my credit once the debt was paid in full. XXXX XXXX informed me that she was n't going to take it off and that it would stay on there for another year and half because I waited for so long to try and pay. she completely disregarded me for a customer and overlooked the fact that I was trying to inform her that I have a XXXX month old and a XXXXmonth old who I am trying to provide housing for and that I was n't able to due that as long as that was still showing up on my credit and so now here still my children and my wife are having to stay with a family member on their couch because she refused to take the collection off my credit and was nasty as all get out with it. I also informed her that I was recording the call as I do with all important calls and she then tried changing her story but it was to late by then. I tried calling back and she has not returned my call or anything to try and get this resolved.
Hello and thanks ahead of time for reading and/or offering any help. 
The story begins with a trip to XXXX XXXX. My wife and I had decided to take a trip XXXX and about three days into being in the country I got news that my credit card was compromised. Here I am, with my now-useless travel rewards card. So much for no foreign transaction fees. 
I call up Bank of America and ask them about what I can do. They offer to send me a new card but I 'm out of luck because my wife and I have to keep moving. We were hiking a trail and had to be certain places on certain days. No time to wait around and have a card delivered. 
I told Bank of America that I would n't bother and I 'd just use cash. They offered to waive my foreign transaction fees on my other credit card. They could n't change the terms, but they would put a note in my account and if I called up they would credit my account for the cost of the fees. 
The first month was annoying but alright. I called up they said it could n't be done, they led me around to supervisors until they dropped my call. I then called again ( immediately after ) and the first rep I talked to credited my account no problem. I had also been notified that I did n't need to call every month and that I could simply call up once when I got back to the XXXX. 
Now, here we are, 3 months later and I 'm back home in the XXXX with some time to call up BofA. The rep refuses to credit my account, says I agreed to the terms and conditions and that I agreed to fees. I explain the story, she says I ca n't be credited. She transfers me to a XXXX. I talk to the XXXX, same story. She tells me she see the note but the first time was a courtesy and they could n't do it again. I ask for someone higher up, they give me the run-around and say there is n't anyone else available. 
BofA lied to me. They took my money through fees that they promised to reimburse me. I only have some minor details recorded of who I talked to and when those conversations took place, but none of this is helping me. I feel helpless and quite frankly, used.
Experian has engaged in illegal Identity Theft, Conversion and illegal debt collection actions with perpetrators XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Experian tampered with and manipulated my consumer report for several years in violation of the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Identity Theft Laws.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse  from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
On my credit report it list that I have XXXX open accounts, XXXX closed accounts and XXXX negative accounts. Of the negative accounts still on my report I have paid XXXX of the XXXX off either through an " I Pay Debt Agency '' or by myself but yet they are still listed as diliquent even after being paid off and closed. Some accounts that are opened have XXXX balances but still show as negative on my report and i also have XXXX XXXX XXXX who transferred my Mortage over to XXXX after defrauding many of their customers 's and getting them into loans which put many customer 's including myself into jeopardy of possible foreclosure. Can someone please review my report and help me get it straightened out.
A " Credence Resource Management Group ''  out of XXXX, TX identifying themselves as collection representatives of XXXX XXXX XXXX have been calling me ( from telephone numbers XXXX and XXXX ) non-stop harassing me for a week on my cellphone without my permission since having had a fraudulent debt removed from my credit on XX/XX/XXXX for a second occasion per the three credit bureaus. On the first occasion this entity appeared on my credit there was a reflected dollar amount of {$740.00} erroneously showing outstanding where the amount was successfully disputed per me on XX/XX/XXXX and subsequently deleted per the three credit bureaus on XX/XX/XXXX. " XXXX XXXX XXXX XXXX '' then on sometime several months later fraudulently and illegally re-reported the same debt as a new account with a slight variant of the balance at {$720.00}. On XX/XX/XXXX this same debt was, again, removed from my credit per the three credit bureaus. This entity has been calling me non-stop on my cell phone without my permission illegally harassing me since then.
What is this complaint about? Credit card company reporting balance and payment history on my son 's credit report without my knowledge or consent. Misrepresented adding another users and how it would show up on credit report. 

Step 2 : What type of problem are you having? Discover Card Services asked me if I casually wanted to give anyone else in my family a card attached to my account. My son who was not yet XXXX but getting ready to attend XXXX  was provided a separate credit card in his name but attached to my account. What they did not tell me is that my balance and history would show up on his credit reports. I asked for proof that they told me about how this would show up as an authorized user from XX/XX/2016 and they told me they don't keep the recording and that I was stuck. My son never used the credit card yet it shows on his credit report. He is not responsible for balance or any payment of it. They said by law they have to do this but never told me that as I just believe he was getting a card with his name but my account. I would not of taken the card. They indicated I could take him off now but the last balance amount would remain on his account for at least 7 years even if I paid it off to XXXX. 

Step 3 : What happened? I explained that the card was not presented it to me in that fashion and requested they removed it from his credit report. They said I could file a complaint with the credit bureau which I know will do nothing. They misrepresented the terms of the additional card. I spoke to a supervisor who dodged my questions then asked to speak to the credit department which I was told would call me in 24-48 hours and did not. 

Step 4 : What company is this complaint about? Discover Card Services XXXX Step 5 : Who are the people involved? XXXX XXXX and XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account ending in XXXX. I'm in good standing with Discover and pay more than asked every month. I get no second statement or anything in my Discover bill or mail that has my son 's name on it.
XXXX/XXXX/2016 With all the financial and credit concerns going on with the XXXX XXXX situation, I wanted to ask ... Is it legal for a lending company to report the terms of your agreement different from what you sighed? 

I have an Auto loan with PNC Bank and per our " Direct Installment Loan Disclosure and Note Agreement '' here are the following terms .... 

XXXX Number of Payments : 36 XXXX Amount of Payments : {$370.00} XXXX When Payments Are Due : Monthly, beginning XX/XX/2016 I have found out that all three credit reporting agencies XXXX, XXXX and XXXX, are reporting that my repayments terms are for 38 months instead of 36. Thiscalculation worksout to bea differentsof {$750.00} more when you use that number. 

When PNC Bank contacted me by mailoffering to refinance my auto, one of the main selling points was that they allow you to chose from 30 to 90 days before your first payment isdue, I choose the 90 days. 

I signed the Agreement in the XXXX Virginia location on XX/XX/2016 and thefirst payment isdue on XX/XX/2016, around 90 days. 

They are telling me since the funds where available onthe date I signed, they have a right to report38 months instead of 36. 

I was in the process of doing aDebt consolidation loan, when this was brought to my attention. They are saying that they will have to add the $ XXXXdifferents of 2 monthsin order to do a pay off for my auto since PNC Bank is reporting 38 months as the terms of repayment. 

On XX/XX/2016 I called PNC Bank, the person I spoke with concerning this matter is Name XXXX XXXX in the Escalation Department of PNC Bank XXXX. He acknowledge that the contract I signed was for a repayment term of 36 months, but that they have a right to report 38 months instead of 36 months. He refused to transfer me to his supervisor or anyone in the so called " Back Office People Dept '' and that he was the manager and there was no one else I could speak to concerning this matter. 

I want to thank you in advance for taking the time to read and review this compliant. 

Thank You XXXX XXXX XXXX XXXX
called several times without asking for a certain person stating that he is collecting a debt. Turns out he was calling about a man 's debt that I did not know. He gave me the name of the guy he was chasing and I never heard of him and I asked him to stop calling my number. Also I have this person on tape answering machine.
This company sent me a collection letter on XX/XX/2018 regarding an alleged debt that I know nothing of. I responded within 14 days, requesting debt validation according to the FDCA to provide proof of identity used to open the alleged account as well as a signed contract bearing my signature showing obligation to pay. They responded on XX/XX/XXXX with a copy of a bill print out. I sent a 2nd request for debt validation since a copy of a bogus bill that is not mines does not constitute as debt validation under the FDCA. Again I requested proof of ID used to open such account and a signed contract bearing my signature, along with a copy of a judgment and proof that they are licensed to collect in California. Their response was that they sent the bill print out as validation. This company is violating my rights, threatening me and at this point, I'm considering it as continuous harassment. They failed to validate this debt, they fail to respond to the requests in my letters and they continue to break the law and violate the Fair Debt Collections Act. They need to cease collections and stop harassing me.
A check in the amount of {$3700.00} was deposited into our bank around XXXX XXXX but has not shown up on our bank statements. We have been tracking the bank statements in the event there was a delay or problem and as of the XXXX statement still no deposit was shown. We contacted our bank, the 1-800 number and the XXXX local branches. No one has any information about the deposit. The organization that issued us the check says the check did clear their bank XXXX XXXX but say there is no information readily on the check to identify what bank processed the deposit. What do we do? Are there not tracking numbers to identify all banks involved in check deposit transactions?
I opened a Coinbase account in XX/XX/XXXX I purchase Ethereum {$1500.00} worth. Then I purchased Bitcoin {$2500.00}. I also purchased {$1000.00} in Lightcoin. I called in after the purchases at the time the company usually answer the phone right away. I communicated with employee at their XXXX at this time i called to see about fees on Ethereum purchase. The Coinbase Rep explained it to me and then asked if a two tier Representative in Finance could called me within 30 mins. I said yes. At this time he called me convinced me to buy to Bitcoin for {$25000.00} dollars and that Bitcoin would be {$40000.00} buy XX/XX/XXXX The reps or thieves put one of the Bitcoins in my account at Coinbase I saw in my account acceptable to my XXXX XXXX XXXX Account or XXXX XXXX Account. I only recieved to my accounts. Next thing you know my computer was on I look up to see! Bitcoin was transferred from my account without my knowledge. A {$18000.00} dollar transfer with no calls ne emails nothing. I called Coinbase for weeks. They were not answering phones this whole time which enabled this Fraud. I could not get through for weeks. Now that they answer they tell me a 2 level person handling my account will be in touch. They tell me dont file complaints or I will be Blacklisted, Help
I do not know if the company is a fake or not. I request that they provide me with information of the amount I owe in writing and they refused to send me that information. They state that they sent me a letter 10 months ago. I explained that I did not get such a letter and ask them to provide me with that information. A manager named XXXX refused to sent me that information. Moreover I explained that they continue to call me on my cell phone and have requested that they reframe from doing this practice and contact me via mail.
This company takes a variety of tactics to reclaim a debt. I first discovered an attempt to collect this debt after I was sued by this company. I did not show up to court, and they received a default judgement against me. The debtors then seized my assets which I proved were protected under the law and attempts to collect we 're closed by the court. After I had stopped them from taking my funds. For the last year, they have used a number of tactics to get this debt including contacting a 3rd party about my debt, reporting to the collection agencies when I disputed the account, and they reported the judgement entered to the credit agencies after I asked them to remove the debt. I had asked them to verify the debt after receiving the judgement, including my signature, but they never produced these documents. Instead they sent me old statements, which I know does not qualify as adequate verification of debt in the state of Illinois. They still are claiming that they have provided me with verification. I contacted the original creditor to see if I can dispute the debt with them directly, as this company is extremely difficult to deal with.
Ditech is saying that we owe them {$27000.00}. They had sent us a letter stating that they will start the foreclosure process. They sent back my last months payment check. I went to my lawyer that is helping us. She can not figure out where this money that we owe is coming from. She has tried to contact the company and had not received a reply from them. I sent for a payment history and when we received it. It read that we were up to date of all payments and that we did not owe anything. The funny thing about it. It took them over a month to mail it to us. Our mortgage was changed to Ditech from XXXX. 

Thank You
I had a XXXX account in XXXX, XXXX and 3 months of XXXX. It included XXXX XXXX XXXX home phone XXXX XXXX XXXX XXXX High Speed Internet and XXXX XXXX XXXX XXXX XXXX on XXXX bill. My bill was about {$150.00} on average per month. My wife took care of the bills. In XXXX of XXXX I looked at my XXXX XXXX XXXX monthly billing statement that was on the coffee table. I about blew a gasket, the bill was over {$400.00} for the month of XX/XX/XXXX. Under Billing Summary there was a new service included, XXXX XXXX XXXX Wireless. My daughter and her boyfriend XXXX XXXX ordered XXXX XXXX XXXX wireless and somehow added it to my XXXX XXXX XXXX account without my knowledge or permission. I called XXXX XXXX XXXX and asked who authorized the wireless service on my XXXX XXXX XXXX account? They said XXXX XXXX did. I said no I did n't, besides that 's not my name. I 've never used XXXX XXXX for anything I 've ever subscribed to or signed up for. I cancelled my complete account. XXXX XXXX XXXX home phone, XXXX XXXX XXXX high speed internet, XXXX XXXX XXXX XXXX and of course XXXX XXXX XXXX wireless. It was shut off on XXXX XXXX, XXXX. I have a Final Bill that shows under Billing Summary everything was shut off except XXXX XXXX XXXX XXXX, that they charged me an extra month for {$40.00} even though I cancelled it with the other services. I paid my final bill and that was that. WRONG! I did n't receive anymore bills, but the wireless service continued without my permission or knowledge. The service statements changed to XXXX XXXX XXXX Mobility, different color bill statements, billing address was different, account number was n't my account number from the XXXX XXXX XXXX service I had. XXXX XXXX was the name they used on this new account even though I freaked out at them for it being on my previous XXXX XXXX XXXX account that I paid and closed. So this new wireless account used XXXX XXXX ( I 've never used ) had a different billing address and a different billing company and a different account number. XXXX last thing, on the final bill for this unauthorized collection account there after me for they changed the billing address back to my address on the XXXX XXXX XXXX account I had previously closed. So they changed the billing address on the very last bill statement to my address. Is n't that illegal? I think so, I know it 's not right.
I received a letter from GLASSER AND GLASSER, a debt collection law firm in XXXX, Virginia. They claim I still owe XXXX  XXXX XXXX {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XX/XX/XXXX. I am sure this is probably a scam being perpetrated by either XXXX XXXX XXXX or Glasser and Glasser. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday