WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, I began having financial difficulties, so I turned to online loans in an attempt to make ends meet. I had received a mailed solicitation from XXXX, so I went to the website given on the card ( XXXX ) and took out a loan of {$2600.00} on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, XXXX took the first of a series of automatic deductions from my bank account. XXXX took the following amounts, on the dates shown : XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) XXXX XXXX/XXXX/XXXX Withdrawal $ ( XXXX ) These deductions are documented ( red underline ) on the bank statement copies attached. Note that on the last statement, XXXX took XXXX additional deductions that were returned unpaid, as my account was out of money by that time. Only the payments to XXXX that actually went through, are underlined. 

Therefore, I still owe XXXX {$380.00} plus a reasonable rate of interest. 

XX/XX/XXXX, after my financial situation had stabilized, I set about resolving my online and payday loans, of which I had taken out a total of XXXX. It was ( and is ) my intention to repay each lender what they loaned me, plus a reasonable rate of interest. While a number of the lenders worked with me to settle my loan under these terms, XXXX unfortunately refuses to do so. 

On XXXX XXXX, XXXX, I called National Credit Adjusters, which had purchased my loan from XXXX ( account # XXXX ; NCA reference # XXXX ). I spoke with XXXX XXXX, and offered to settle my loan for {$400.00} ( balance plus XXXX % ). He refused, so I offered a maximum of {$500.00} ; XXXX XXXX replied that " that is not an option '' and he then accused me of " pressuring '' him. He countered that he would settle my loan for {$1200.00}. This amounts to an interest rate of 35 %, and is therefore unacceptable to me. 

I tried calling XXXX XXXX again on XXXX XXXX, XXXX, and got the same result. XXXX XXXX has also called me several times, but in each case he insisted on {$1200.00}.
I have received a " Loan Estimate '' from a lender, as shown on your website : http : //www.consumerfinance.govXXXX The lender is including {$3800.00} under the " Adjustments and Other Credit '' in the " Calculating Cash to Close '' section ( show on page XXXX of ever Loan Estimate ). 

I called them and asked them what it was and and they told me that you required them to disclose it, and it is extra tax money they pulled from a data base. Is this true? What can be included in the " Adjustments and Other Credit '' area of the Loan Estimate? 

Thank you.
They recieved proof of payment and are now asking for this again they also want proof of the payments made in house. They have not updated the statement and given the corrected statement showing the corrected balance removal of all interest as well as any late fees or false statements about money still owed On balance that was paid for which proof was previously submitted. I will be resubmitting the following documents
XXXXXXXX XXXX XXXXXXXX is trying to collect on a debt but has added many charges to the amount and will not explain them or provide a ledger detailing the accounting. In XX/XX/XXXX, I  signed a 12 month residential lease for about $ XXXX/month. In early XX/XX/XXXX, I was forced to break my lease. After I surrendered possession of the rental, the landlord did not return my security deposit Thunderbird is not the landlord, but a debt collector. About XX/XX/XXXX, it began to report to the credit bureaus that I owed approximate {$12000.00} for the rental debt. I contacted Thunderbird and asked why the debt was so high. They stated that I owed the rent for the remainder of the lease ( approximately {$6000.00} ) and the rest was " collection fees '' and interest ( approximately {$6000.00} ). My lease did not provide for fines and fees of this amount. I do not understand why Thunderbird believes it can charge me such extreme and abusive amounts and not even explain itself. My next door neighbor at that rental informed me that the landlord had a new renter in my old unit within a few months. It is unfair that, even though Thunderbird was getting paid rent for the time of my lease, it is still trying to double-collect the same rent money from me. In the same way, it is not fair that Thunderbird has added huge collection fees to my bill. My lease agreement did not allow for such high fees, nor did I agree to them at any other time. Thunderbird can not have more rights to bill me than my landlord did. I have made many requests for more information. Thunderbird representatives told me that " it was none of my business '' when asked for verification of the new renter who had moved into my old apartment. Further, I disputed this debt with the credit bureaus at least one time a month for nearly a year. Each time, Thunderbird has verified that the claim was valid, but did not provide any documentation to support its claim. Thunderbird 's calls have been harassing to me and my family. They call several times a week. They leave messages that are intimidating. They threatened to call my boss. They even embarrassed me by calling my mom about the debt! Thunderbird 's actions have been very harmful to me. My credit score has dropped significantly. Because of my low score, I have been unable to secure a loan to purchase a house and I am forced to rent. I need to get a new car, but the interest rates for the loan are prohibitive. The stress from this issue has been hard on me. I can't sleep at night, it makes me anxious, I dread answering my phone and I have been impatient with my family. I genuinely don't know if I owe any money at all on this debt. Thunderbird 's deceptive practices have prevented me from reviewing any useful documentation. I can not make an informed decision about this because they won't cooperate with me. I ask that the CFPB force Thunderbird to provide me with a detailed accounting and explanation of the debt ; or, in the alternative, stop its collection attempts and credit reporting against me.
In early XX/XX/XXXX I received a email saying something was added to my credit report so went to take a look and saw it was for national credit cards/airlines that I never applied or got an credit check for and it is supposed to come off my credit in year XX/XX/2020 but I never did any of this I just need information on getting it removed.
This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX credit card. XXXX needs to take off XXXX XXXX XXXX, TransUnion has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX  bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to XXXX, trans union, XXXX. Please add the good standing on my reports if not already done so.
In XX/XX/XXXXI failed to pay a debt with XXXX XXXX XXXX, XXXX. ; in XX/XX/XXXX it was shown as a charge off on my credit report for the amount of {$590.00}. On XX/XX/XXXX, I received a Notice of Summons from XXXX XXXX, XXXX successor in interest to XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. Unaware of my rights, I answered the judgement within the required 30 days. On XX/XX/XXXX I received a payment plan from XXXX XXXX, XXXX, but the logo at the top of the " Proposed Judgement '', was from XXXX XXXX XXXX, XXXX Attorneys. I signed and returned the judgement on XX/XX/XXXX and the agreement for {$70.00} a month payment plan was made. I paid {$70.00} on XX/XX/XXXX and another {$70.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Aldridge Pite Haan , LLP, informing me that XXXX XXXX XXXX , XXXX, who handles accounts for XXXX XXXX, XXXX is closing as of XX/XX/XXXX and my account is being transferred to their law firm for future handling and I should send future payments to the address given. 

On XX/XX/XXXX, I received a letter from Aldridge Pite Haan , LLP stating that I owe {$560.00}. I sent a certified letter to them explaining that I had already started a payment plan and was paying down the account ; therefore I should not owe the stated amount. They continue to harass me for the above amount although I had already had already made payments toward the original amount owed. 

Thank you
I initiated a money transfer online through Western Union. The next day I received an e-mail that the transfer was on hold until I called to provide additional information. I called that same day, provided information to the customer service representative and was told that everything was alright and the transfer would go through. The money was taken out of my bank account and several days later, the transfer still shows as processing on the WU website. I contacted WU through chat and later by phone only to be told that the transaction was cancelled by WU and that I would be receiving my money back in ten business days.
On numerous occasions I have submitted billing disputes regarding a {$250.00} hotel charge in XXXX. The hotel was moldy and unclean. The pool was dangerous and unsupervised - a girl nearly drowned resulting in pool closure during most of our stay - and the staff incompetent. We complained fastidiously and were assured by the XXXX that the room would be refunded. Nevertheless, no refund took place. I raised numerous disputes with Amex to no avail. They refuse to issue a refund without explanation.
During th e    XXXX   XXXX    2017 i had  an inquiry placed on my  XXXX  credit report. The  Unauthorized Inquiry was placed by Discover  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  Discover with no results. Discover denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.
I pulled my credit report on XX/XX/2018 and noticed some collection accounts that I have never heard of before. The collection company in question XXXX XXXX XXXX claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XX/XX/2018 via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Back on XX/XX/2018, I sent Portfolio Recovery XXXX a letter stating that this is not my account when I look at my credit report it reports that I open the account in XX/XX/XXXX, that i not so. I currently have a credit card with XXXX XXXX paid up to date which I had for two years. I sent out a cease and desist letter the continued calls after the had received the letter. They now has put me in collections when I do not owe this company Portfolio Recovery XXXX I did not sign anything with this company I have an open an account with the company XXXX   XXXX, the have yet to prove to me that I own them nor how much they purchase this account for. I would like for the to remove me out of collections on three credit bureaus. I sent them a second letter on XX/XX/2018 and never received a response from the at all. Please help to remove them of all 3 credit bureaus. 

Thank you XXXX XXXX
XXXX XXXX XXXX is reporting on my credit report as a Collection. The original creditor is XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Both collection debts were placed on my credit report on XX/XX/2018. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$110.00}. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$210.00}. 

I have sent a debt validation to the Debt Collector and has not received a response.
I called Capital One Financial Corporation a few weeks ago in order to get account statements from 2011 to the closing of the account for tax purposes. Since the account has been sold to a collections agency, they refused to send me the account statements and instead told me to contact the collections agency that owns the debt.
I am not yet ready to start paying off the debt and am concerned about predatory collections agencies making life difficult for my family and myself so I need to be able to get the account statements from CapitalOne without engaging with the collections firm.
I have already talked to the Office of the Comptroller of the Currency and relevant California state agencies about this issue and all have redirect me to the Consumer Finance Protection Bureau.
Called for someone never heard of, then threatened to hit my credit if i did n't help are pay them for someone else 's account!
I told you people and the BBB in ohio about these malignant   XXXX    from comenity bank collections. 2 1/2 years later AND 100 times they were told THERE is no imaginary   XXXX   XXXX   living in MY apt . hiding under MY table. I do n't give a   XXXX   who what where they looking for.   XXXX   XXXX   would tell this opprobrious derelicts  XXXX  changed her number. I looked it up on  XXXX  ONLY 3   XXXX   XXXX   in california, about   XXXX   miles south of me. Which   XXXX   XXXX   are these   XXXX   looking for. I want them jailed and punitive damages owed me for there malignant harassment, BLATANT stuck on  XXXX , SUBREPTION, this bank and there contracted collection agencies KEEP lying there sorry   XXXX   off, THEY claim to delete my number, AND stop there stuck on   XXXX   calling me. IS   XXXX   XXXX    THERE?! # Criminal  XXXX , TORT OF OUTRAGE is punitive. LAST   XXXX   I had to ONCE again verbally abuse called me from   XXXX   XXXX   XXXX   on  XXXX - XXXX -2017. THESE opprobriously malignant clowns have been told OVER 100 times in the last 2 years, THIS is my recycled number, there is NO fictitious   XXXX   XXXX   at MY residence!!!!!
On XXXX XXXX, 2017 @ XXXX XXXX I called Equifax in regards to my credit file. I asked about two collection accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX to disputed both previously was told by XXXX that they were no longer showing on my credit file. Then I inquired about the hard inquiries on my report she states that they at Equifax  can not remove unless I have documents from creditors. I explained that I mailed out follow suit letters stating removal of same inquiries from XXXX and XXXX. She then placed me on hold returns to call and says " she 's seeing where a police report was sent to XXXX but not seeing it at Equifax. '' Which is totally false because I 've sent no such document. Then I mention the BREACH at Equifax and she then says " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and etc. were around the time of the BREACH. '' My response why are these still showing then? I then ask for another Rep. After being on hold for an hour, at around XXXX I 'm speaking with XXXX. I repeated what occurred previously. She says " no the two collection accounts listed above were still showing on my credit file and that inquiries can not be removed from credit bureaus unless creditors send something electronically to bureaus. '' Contacted creditors they state they do n't have records after 30 days, or they have no account to reference. I tell her what XXXX the previous rep said and XXXX says she does n't know why she said those things. Placed me on hold comes back on call and says " I see where there was a fraud alert placed with XXXX  and XXXX  so one was placed with Equifax also '' But she just told me that Equifax could n't see what the other credit bureaus show. THEN SAYS THANKS FOR CALLING GOODBYE! I 'm baffled and angry.
To whom it may concern : Caliber Home Loans erroneously paid my property taxes even though I dont have an escrow account. Caliber then bumped my payment from {$640.00} to {$1500.00} to cover their mistake. Please see the upload escrow breakdown. They failed to property calculate taxes and force-placed escrows to cover their mistake. 

XXXX XXXX XXXX
Brought my vehicle in for warranty item to XXXX XXXX and was charged a miscellaneous charge on invoice in the amount of {$1200.00} on XXXX/XXXX/16. I disputed the charge with Capitol One credit card and was given credit back on XXXX/XXXX/16. I was rebilled for {$1200.00} on XXXX/XXXX/16 even though the charge that XXXX XXXX charged on my card is in direct violation of our state laws which is New Hampshire. I have given all information to Capitol One in order to uphold the chargeback but they will not give us our credit back.
I have received a letter from  Midland funding saying they validated the debt by sending a bill from another company.midland did not send a contract t hat I signed with them. I do not know this company, I do not owe this company, nor have I ever had any contact with this company.They is reporting to my credit report and so is    XXXX   XXXX   XXXX  ..Two co mpanies can not collect on the same debt..i want this illegal information deleted from my credit report.
XXXX XXXX charged me a cleaning fee of {$270.00} because they claimed I smoked in their room. I have not smoked in 19 years and most definitely did not smoke in their room on that occasion. I filed a dispute with my Citi card and they temporarily gave me a credit while they investigated. After a few weeks they sided with the merchant and reinstated the {$270.00} charge. 
I quite simply do not think I should pay for something I did n't do. 
I have been a Citi card holder for 30 years but I immediately cancelled my card. 

XXXX XXXX XXXX XXXX XXXX XXXX
There are multiple accounts that are listed with XXXX and XXXX as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : NAVIENT / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.
Discover Card on XXXX XXXX called regarding a missed payment. I spoke with the representative ( name unidentified ) and informed her that a payment will be made on XXXX XXXX. Do not withdraw any moneys from my account. Not only did the representative automatically deducted moneys from my account for the payment causing other bills to " bounce '', she also went in and authorized automatic monthly withdrawal commencing XXXX. At no time did I approve or authorized such actions. It was not until I went to see if specific check " cleared, '' did I become aware of the action of Discover CSR. I called on XXXX XXXX to file a complaint regarding the action of that particular CSR of XXXX XXXX. The CSR of XXXX XXXX was named XXXX. XXXX transferred me to XXXX that wanted to refund my payment. I agreed for it to remain due to the fact that my checking account was already overdrawn due to the Discover withdrawal and the account to be paid payment " bounced. '' I believe this is a practice of Discover. This is the XXXX time in XXXX years that Discover 's representative fails to " listen '' and do exactly what they chose on these account upon calling the customer. XXXX removed the automatic payment.
I have been receiving collection notices from XXXX different XXXX collection companies, attempting to collect this amount, for at least a year to two years. 
The first company failed to validate the debt and ceased communication with me when it failed in its duty to validate. After there were no longer communications with this company, I received a second set of collection notices from a different debt collection company seeking the same amount of money. XXXX obviously sent the alleged debt off to a different debt collection company when the first was not successful. 
Again, I asked in writing for validation of the debt from this second company as required by law. The validation failed to identify the debt 's particulars in order for me to determine if it was a valid debt. After I pointed this out in writing to the debt collection company, it sent me a letter stating that the debt would not be collected upon and that my credit report would not reflect that the debt was under collection. I assumed XXXX would honor this resolution. 
Today, XXXX is trying to collect this alleged debt from yet again a third debt collection company -- even after a finding by its own debt collection agency that there is no valid debt and that the debt is off my credit report. 

XXXX continues to try to collect this debt despite my attempts to learn more about it ; contest it again ( at least six times already, including times with XXXX directly and despite a finding in my favor by its second collection agency ). I also contested this debt when it was directly an issue between me and XXXX. XXXX continues to hold this debt against me, continues to harass me with different debt collection agency notices, despite findings that it is not my debt from their own agents. Furthermore, XXXX continues to carry this debt in its accounts as delinquent. 

This third collection agency sent me a letter within days after I called XXXX to look into changing my service with it. XXXX said it could not change my service unless I paid this old, contested bill. That was when I found out it was still on my records with XXXX. It continues to share information wrongly with debt collection agency after debt collection agency. What is even more egregious is that XXXX used my communication with it for different service to reassert the alleged debt, and also to deny me a change in my service. Fortunately, I did not agree in writing to change my service with XXXX at that time because of XXXX anemic business practice history with me, both personally and through my business.