WillisBack/dataset-financial-user-claim huggingface dataset:
IN XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) THIS COMPLAINT IS FOR XXXX
The calls date back to XX/XX/XXXX. I receive/received repeated phone calls from XXXX XXXX XXXX , XXXX. Although the address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, the company is outsourced in XXXX. XXXX XXXX XXXX , XXXX is trying to collect money for an account from XX/XX/XXXX. All of my accounts with this company are outdated. The customer representatives have incorrect address on file, my accounts are passed to more than one person I continue to speak to different people regarding my information. When I ask to mail all of the information regarding my payments that are due, the response is " I only handle this account '' although my accounts are with the same company. One of the representatives was condescending and rude and some customer representatives were aggressive and wanted me to make a payment during the phone calls. When I asked to speak to a manager, I told him about the situation, the manager was rude as well. I think it's unfair for me to make payments on closed accounts. It's also frustrating to have multiple customer service representatives calling me and pressuring me to make payments for multiple accounts all at once/same time for debt that is over ten years old.
XXXX XXXX XXXX account XXXX is wrongfully reporting on XXXX, transunion and XXXX credit bureaus.jcs is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately 700 dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to XXXX XXXX.
Navient has not supplied a recent paper copy of a detailed monthly summary of my account XXXX daily interest accrued, payments made, outstanding principal ). 

They also do not have an option for borrowers to message customer service and keep a record of the messages exchanged. All inquiries must be made over the phone, leaving no record of what was discussed.
I have been served documents by the Winn Law Group who is representing XXXX XXXX XXXX XXXX XXXX which was dated on XX/XX/XXXX for a non-existing debt. I made 4 attempts to contact their office number which is XXXX XXXX XXXX and it goes straight to an answering machine. I made a 5th attempt and a secretary picked up than she transferred me to an answering machine which belongs to a XXXX XXXX. The message I left for XXXX XXXX on his answering machine was to inform him that I would like documents of the said debt, this is the wrong person, and I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX that there is no debt. I
I bought some digital goods from a seller on XXXX. The seller sent me invoice via Paypal and I paid it. After 7 months one of the digital items I bought from the transaction was removed from my account. I contacted the seller via his paypal email and his XXXX account but there was no response. I contacted Paypal and my credit card to dispute the transaction but they told me they can not do anything after 6 months. This is how a scammer can get away with it and the buyer has no protection.
on XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX placed a collection on my credit in the amount of {$2300.00} at the time i had insurance so i had no idea of the bill untill XX/XX/XXXX when i was in the process of reparing my credit. XXXX  removed it and placed it back on my credit without notifying me
Repeated calls to both me and husband. Silence each time we answered. Attempted to call back. Asked for personal information without clarifying the company or reason for contacting me. Man, XXXX XXXX was very rude and blamed me for not understanding him. I had to XXXX the company to find out it was a debt collector. We have received nothing in writing from this company. I have blocked the number as they have called three times in one day. 3 calls to me, and 2 to my husband.
I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA 623 ( a ) ( 5 ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed 4 written complaints against the credit bureau and the results of the investigation has been that the item and description is VERIFIED and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is 2 different results. The credit bureaus refuse to remove from my credit profile.
My customer filed a claim with his credit card for item not delivered a few hours before the item arrived then promptly retracted it when the product showed up later that day. The buyer and his credit card company have been open and honest in their attempts to resolve the situation and complete payment. They require a phone call from paypal that paypal still has n't done. Paypal opened a case, levied fees against my seller account, and put the money from the transaction on hold " while they investigated ''. Later, I started getting collections emails from paypal regarding this case. They threatened to send the entire amount to collections against me, the seller, if I did not provide money for them to hold " while they investigated ''. Their agents on the phone reiterated that they could not solve the problem in any other way than for me to pay to cover the full amount on hold. I have obtained copies of the buyer 's credit card statements showing where he was initially charged for the item ( {$6600.00} ), then was refunded, then charged again on XX/XX/XXXX. I have spoken with XXXX XXXX on the phone and they confirm that they have both charged my customer and rendered payment to paypal over a month ago on XX/XX/XXXX. It has been 45 days since paypal was paid by XXXX XXXX and two weeks since I put {$6600.00} on my credit card to avoid having a bill in collections despite the fact that the case was still, somehow, undecided, despite the buyer agreeing that he received his items. As near as I can tell, paypal is holding both my {$6600.00} and my customer 's {$6600.00}, and has been holding it for weeks while failing to answer my questions on the phone or give any real indications that the case is moving anywhere. They have threatened me with collections and reporting this to credit bureaus to pressure me into paying a bill that they have already been paid for. This callous double billing and holding of funds is consistent with the worst practices of reprehensible companies. I 've attached copies of the customer 's credit card statement to prove that he has paid and that his CC company has rendered payment to paypal.
XXXX XXXX XXXX out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. XXXX is a debt buyer and transferred me Stephens and Michaels and Associates. I informed Stephens and Michaels that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. Stephens then referred me back to XXXX. I called XXXX and they refused to speak to me about my credit report. they said I need to speak to Stephens and Michaels. I explained that Stephens and Michaels could help me. I told the woman at XXXX that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help u '' and quickly transferred me back to Stephens and Michaels. This is not my account and I want it removed from my credit. XXXX has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing.
am almost positive I am being steered. I started my loan modification process over a year ago and they keep pushing it back and denying me loan modifications. XXXX has told me they would be changing my fixed rate 4.25 % to 5.3 % and lowering my monthly payment by {$70.00}. I have applied for loan modifications so many times and each time they have a new reason why they are denying me. Something is not right. I am down to my last few option, but I know something is not right. I am complaining everywhere because this company is trying to take my home because of all of the equity I have in my home. They have been making it hard for me to afford my modification and they are always considering things into my monthly payment that I am not paying for. I have had it. I need to get people involved who can truly help me in this matter. XXXX XXXX XXXX knows of what XXXX  has done to me. During all of my loan modifications over the last year or so, XXXX has not be properly reporting to help me save my home. They simply want to take my home. 
Why are they telling me information regarding what the interest is GOING to be? So many things wrong here. They need to be stopped. 

Last year I was doubling up on mortgage payments to get caught up and when I lost my job and was only two months behind they never told me anything about a loan modification process. They just kept allowing me to get further behind. This has been the worst time of my life. How does it help the home buyer to raise the rate and only reduce payments by {$70.00} dollars. They are steering me. They want me to foreclose so that they can have my equity.
Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/2016, these were not authorized.
rash Curtis & associate tel XXXX address XXXX XXXX I run my credit report in find out they had put me on collections explained the it was n't me they still keep saying it was me they had used somebody else information it linked with my I had a police report mailed to them and I had also disputed on XX/XX/2017 I had ask rash Curtis to send me all ER bills and you can see this person it is not me and they know that so I wanted to make a complained for this company run my identity not having enough proof they just because this person had the same name I did this is totally against the law my name is XXXX can you please help I could send the police report XXXX already has the dispute and I also have a copy so I dont't know what to do this people are not understanding I 'm been a victim a identity theft I have the police report and dispute but I need to scanned if you need it could be available for you as well
I would like assistance in making a formal complaint against XXXX XXXX XXXX XXXX and Professional Recovery Associates , Inc. XXXX XXXX XXXX XXXX has exhibited inappropriate and sloppy billing practices. 

I received emergency treatment in XX/XX/XXXX ; then I received a bill from a debt collector ( Professional XXXX Associates, Inc. ) in XX/XX/XXXX. I responded to the debt collector asking for an itemized bill and questioning why I was not sent a bill to my home address soon after the services were rendered. The debt collector replied by sending me a bill with the amount, not itemized as I requested, and with the WRONG address.
In XX/XX/XXXX, we ( my roomates and I ) were contacted about debt that we owed regarding move-out charges on our apartment that our security deposit did not cover. The total amount in dispute was {$7500.00}. We ask for verification of the debt and the credit collection agency provided details regarding the debt. All of the debt was related to replacing our XXXX square foot hardwood floor. However, we did not have XXXX square feet of hardwood floor. Within our 30 day response period, we sent the company our floor plan which shows XXXX square feet of hardwood floor. The credit company ignored the evidence which would have reduced the bill by {$2000.00}. They also sent us information on XX/XX/XXXX which coincidentally increased the debt by {$2000.00}. The net affect would be XXXX reduction in debt ( we reduced our debt by {$2000.00} so they increased it by {$2000.00} ). We called the debt collection company 2 days later on XX/XX/XXXX and they said they already reported us to the credit card companies. They did not give us 30 days to response. In my point of view, they have the wrong apartment since our floor plans do not match or they are making up debt because they know how much money they need to make. This {$2000.00} worth of debt did not exist until we showed them proof that this was not our apartment.
I got a phone call from XXXX that said I was being issued a summons. She said she was from the dispatch office out of XXXX XXXX. She then gave me a case number and a phone number from XXXX case number XXXX. Phone number XXXX. I was told that I needed to pay a debt from 2012 that has been paid for about 6 years. They are basically lying to me and harassing me threatening " legal '' documentation and a fake court summons. All for a paid debt.
After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the Insurance XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on Experian and XXXX. In XXXX, XXXX I received notice of my Insurance Billing and an updated billing from XXXX which indicated my Insurance Company paid their share and I paid my balance which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Experian and XXXX from XXXX for the original amount of {$47.00}. This should never have been sent to Collections and my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Experian and XXXX. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Experian and XXXX Mortgage Credit Scores are both in the high XXXX 's with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Experian and XXXX.
I sent the credit reporting agencies XXXX and Experian, the police reports, documents from the courts, alone with a fully executed fraud package document and all the other documentation required to block an account that doesn't belong to me. The account Is XXXX XXXX XXXX XXXX. Instead of removing or blocking the account, it was put in dispute status. By law this trade line was suppose to be off the credit file within 48 hours of receipt of the documents submitted.
I have a state tax lien that was paid in full released and withdrawn in  XXXX . I have record from the court stating that  XXXX   County c ourt house nor the state of WI does not report to the credit bureaus nor do they provide information to third parties. I called Experian and  XXXX  on  XX/XX/XXXX  on this issue asking them how they Verified this information on my credit report to be true when the creditor they have to contact being the court/state does not give personal information to them. Both companies then admitted that they go threw a third party service which again is in violation of the fair credit reporting act to report false information, when claiming to get information from a court when it is actually obtained from an Unnamed third party. This is more than enough information to be a considered false information on my credit report.
Date : XXXX|15 Amount : XXXX XXXX XXXX XXXX XXXX violated my consumer rights according to the Fair Debt Collection Practices Act. The two sections they violated are 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692f - Unfair practices. 

They served me a summons with the WRONG NAME which is misleading and false. It is also an unfair practice collect a debt! I have taken them to court to get it removed. Because i was a co-signer, and my brother filed for bankruptcy, the judge stated it was out of her courts jurisdiction. 
Can you please help me remove this due to the fact they violated some Fair Debt Collection Practices?
I have a mortgage with Fifth Third Bank. I have paid my mortgage payment every month through my checking account automatic payment system. For the XXXX 2016 payment, my bank sent the usual amount of {$3300.00} to Fifth Third on XXXX XXXX. On XXXX XXXX, I received a letter from Fifth Third indicating that they can not apply the amount because the monthly payment should have been {$3400.00}. Apparently, the amount increased due to a change in escrow requirements,. I immediately sent Fifth Third another payment of {$72.00} through my bank and called Fifth Third to advise them. I was told that neither the original {$3300.00} nor the {$72.00} could be applied and that I need to send another single payment for the full {$3400.00}. If Fifth Third did not receive this by XXXX, I would be assessed a late charge. I then went on the Fifth Third website and sent the full payment and called Fifth Third back to request a refund of the {$3300.00}. I was told that this amount could not be refunded until the {$3400.00} was credited. I asked ( on XXXX separate calls ) that the {$3300.00} be returned to the bank from which it had been sent. I waited until XXXX to determine if the refund had occurred. I then called Fifth Third on XXXX and was told by the first representative that the payment had been sent back to me. I asked if it was sent electronically or by a check - she disconnected the call. I then called Fifth Third back and was told that there was no refund and that Fifth Third had applied this amount to principal. I again asked for it to be refunded and was told that a check needed to be ordered. I asked for interest on the payment since Fifth Third had wrongfully held on to my funds for 2 weeks and was told that they refused. As of now, Fifth Third has kept my funds, demanded that I make a second mortgage payment and refused to provide me with any assistance..
My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Collection acount is showing up under ERC. supposing for an acvount with XXXX. I called dish they do not have any acvount for me with them. They never have. I call ERC and they say call XXXX. It is very hard to get through to ERC and they want me to provide an act number which o do n't have cause I do n't owe XXXX.
XXXX  and Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
CaptialOne reordered transactions on my account such that automatic deductions would post before my direct deposit from my employer, resulting in an overdraft fee at XXXX %. Both the direct deposit and automatic deduction posted on the same day.