WillisBack/dataset-financial-user-claim huggingface dataset:
Stoneleigh Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX continues to call and harass me over a supposed debt collection matter at my place of employment. I have informed them on more than one occasion that the number they are calling is a work number and that I can not accept these types of calls at work. I have pictures of phone log from this week with calls made to my work number every day this week. Today XXXX XXXX from Stoneleygh Recovery Associates XXXX called my work number and I again informed him not to call me at work, he continued harassing me saying that there was no other way to contact me and that he was attempting to collect a debt. Earlier this week someone from Stoneleigh Recovery Associates LLC spoke to my boss and informed him that they were calling looking for me to settle a debt I owed. Stoneleigh 's aggressive call tactics are harassing and have put my job in jeopardy. I was told at work that I can not receive these types of calls anymore. I have no other recourse than to file a complaint against them for repeatedly calling my place of employment after I have asked them not to and for threatening/intimidating me by providing private information about a personal debt matter to my boss at work. Stoneleigh Recovery Assets LLC is repeatedly contacting me at my place of employment after being told that my employer prohibits it. I have tried to call them after work on numerous occasions and can never reach anyone. I am concerned someone has my personal information that is not a legitimate company and will use my information illegally.
My student loans with XXXX XXXX went into default. Now Northstar Location Services took over payment. I set up {$250.00} a month. My husband and I just got a joint bank account a few months ago and now someone got into our account and retrieved our account numbers. As a precaution, they closed that account out and gave us a new account. I went to lunch and got back and had a missed call & voicemail on my cell phone, work phone, and they had called a department that takes incoming calls from our loan officers about our mortgage loans. So I had a co-worker messaging me about it. I called the lady back, her name is XXXX XXXX XXXX, and told her I have told her more than once not to call my work phone. She said it was system generated and she had no control over it. I told her I never even gave them the place where I worked, let alone, my work phone number. I also told her we can not get those type of calls here, that my workplace does not allow it. Once again, she told me that she would remove it. I do not believe her when she tells me this as she had said it before. She said well the only time we call you at work is when there are non sufficient funds. I told her that I have always gotten back within the day if there are any issues and I do not care what the issue with my account is and calling my cell phone and leaving a voicemail was enough.
Account is being reported on credit report, and the debt is passed 7 years old which is past the statue of limitations. Debt is no longer allowed to be on credit report.
I had an old subscription to XXXX XXXX for years. Since I didn ' received all the issues, when I received a mail in XX/XX/XXXX asking for renew ( always by Credit Card ) I didn't do it. 
Today, dated XXXX XXXX XXXX I received a menacing letter from a collecting Agency : North Shore Agency, asking for " my debt '' with the magazine ( that indeed I didn't receive never after the last  subscription ) and " offering a 'friendly ' renew of the subscription ''. I'm responding the follow to : XXXX XXXX -- -- -- -- -- -- XXXX -- -- -- -- -- -- Dear Sirs, I just received your letter enclosed. I regret to state the follow : - I never ask for a credit nor renew from XXXX  since the last and only mail received from XXXX, that I copy below, dated XX/XX/XXXX. 
- I didnt renew nor ask sents, then I dont owe nothing. Previous years was paid by CCard. 
- Unfortunately, I didnt receive at least half of the isues of my previous subscription, since many, many years. This conduct to dont renew it. I dont know if it was due to XXXX fails, or my courier fails, but they say that they didnt received the issues in XXXX. I live in XXXX and my address in XXXX is a forwarding courier. 
- Of course, I didny received ANY of the supposed previous letters from XXXX  that you mention. Only ONE was the OFFER ( rejected ) of XX/XX/XXXX. 
I say the late as feedback only. The main point is -as I said- I didnt renew any subscription, and the proof is that I always charge it to a C.Card, and it was not charged, because I DIDNT renew it. Stop. I dont know what point could be no clear. 
I dont know what kind of scam is this, but -by the way- Im copying to XXXX  and doing a claim in the FTC ( thriugh https : //complaint.consumerfinance.govXXXX ) If you or XXXX  did a mistake, please be so kind to correct. 
Thanks, and best regards,
I had run into financial hardship which in turn I settled the PenFed XXXX  and PenFed XXXX XXXX credit card. The amount of the settlement amount was to be a confidential amount.

PenFed is not reporting the information correctly to the credit bureaus and as of XX/XX/2018 show conflicting information across XXXX XXXX   XXXX, and XXXX. This is negatively impacting my credit score.

In addition, they are reporting how much the settlement amount was for paying the accounts for less. I realize they can report that the accounts were paid for less but they are reporting that I owe the full amount and am still late and they have in the last two months incorrectly reported the information and changed the information slightly each time damaging my credit.

I do not have a XXXX XXXX  or XXXX account with them after paying them in full via a settlement agreement.

PenFed has been contacted and at this time this has not been corrected. I would have suffered and paid a settlement agreement for my mistakes but that doesn't allow them to report bad data and continue to harm me.
A man named XXXX said that he was a legal courier for XXXX and XXXX XXXX and he was going to attempt to deliver legal papers to my door and place of employment he left me a number to call to stop this effort XXXX when I called that number I spoke to a man name was undisclosed he had the last XXXX of my social security number he did not read me the mini Miranda when I asked him if the call was recorded he said we do not record our calls mop also informed me that I am not being sued and his company 's name is XXXX processing I told him that I will not be paying this debt because I have not had any contact via mail and to many scam agencies out there
XXXX today, I found on my Credit Karma report for 2 vehicles listed in my report that ARE NOT MINE!!!! Please remove at once off my report. Send me new updated report immediately. 
XXXX XXXX XXXX XXXX Vin : XXXX XXXX XXXX 4 door XXXX AND XXXX XXXX XXXX Vin : XXXX XXXX Registered XX/XX/XXXX. These are not my cars and NEVER were my cars.
I was told if I paid {$500.00} and installed smoke alarms and such totaling another {$250.00} that I could obtain an FHA loan on my property since I had been current in my payments. 
Then I was told that because my property was listed as a condominium on the county recorders office that the loan was being denied after submitting paperwork and paying fees. 
Then it was represented to me that I could obtain a conventional loan even though I was recently dishcarged from chapter XXXX bankruptcy in XX/XX/2018. 
I think more research should have been done on JG Wentworth 's part before taking my {$500.00} which I am sure is nothing to them but is quite a lot of money to me.
I had an account with XXXX XXXX, that was charged off in XX/XX/XXXX.
XXXX bought this debt in XX/XX/XXXX They are reporting it as XX/XX/XXXX I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was XX/XX/XXXX.
This is the only negative on my credit report. They deny that this debt is also out of statute.
US Bank has not recorded all of my payments on a credit card. 
Last month I did not receive a bill. 
I made two payments totaling {$750.00} that did not show up.
After reviewing my credit profile on XXXX XXXX XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XXXX XXXX XXXX as the debt amount owed is not correct. On XXXX XXXX XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from XXXX XXXX XXXX and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XXXX XXXX XXXX however the account is still reflected on my credit profile and continues to negatively affect me.
Hello, This is about my credit at XXXX XXXX XXXX. I open this account on XX/XX/XXXX for the XXXX of my XXXX year old son that time who's XXXX XXXX  needs to be corrected. That time I really couldn't afford the expenses, they said I have to pay over {$3000.00} to correct his teeth and it would be better to do it while he's still young. They said I can open an account which I can pay interest free for two years, which I agreed. I made every effort to pay this account for 2 years and on XX/XX/XXXX, I received a statement with just a balance of {$200.00}, I made a payment of {$100.00} and on XX/XX/XXXX, made another payment of {$100.00}, I mislooked the XXXX cents. The following statement with the closing date of XX/XX/XXXX- my new balance went up to {$710.00}. They added {$710.00} as " interest charged ''. I was so surprised and called the bank but they said I missed the deadline of the plan expiry date which is XX/XX/XXXX, they said it's a differed interest rate and once I missed the expiry date, all the interest for 2 years will be added to my account. I was really mad, my account has a very low balance and I made it sure that I pay on time and I can finish it on the deadline. I called them XX/XX/XXXX and they said they could't do anything but I have to pay all the interest rate. My balance is just supposed to be only XXXXc which I just mislooked. Please help me, this is a big burden on my family 's finances. Thank you!
Our company XXXX XXXX XXXX XXXX, Receive customer that pay with stolen credit cards. For buy safe vault ( The Customer XXXX XXXX XXXX ( phone XXXX ) Ask for the service of pick up and delivery safe by the company XXXX.contact person XXXX XXXX with phone XXXX for the quantity of {$26000.00}. Banco Popular of Puerto Rico do the wire transfer from our account XXXX to the Bank XXXX XXXX XXXX on XXXX with the account XXXX. The transfer the money Knowing that until XX/XX/XXXX this fraud scheme is occurring in Puerto Rico, with the banks. The send a Letter telling abount that., whatever do the transaction and transfer the money. Now Banco Popular says that is impossible to ask for refund de money, because the do n't have the enough information. But when they do the transfer have the '' enough '' information. Banco Popular fill a complete form, with all the information to do the transfer ( Beneficiary Bank, Beneficiary Name, Account Number, Swift Code, Address ) All the information. If they have identified the Bank and was good this information to send the money, it have to be good to ask for the recovery of money. Banco Popular tell " no '' You need to pay. But we dont withdraw the money, The transfer it. We contact FBI on XXXX XXXX, 2016 and open a complaint with the Agent XXXX XXXX. for do the investigation. We understand that all the transaction on the bank have an inssurance, if it really a fraud.
I setup a repayment plan and was making the required monthly payments and then my credit is hit with a 90 day delinquent report from my school loan. After speaking with a couple of representatives I was told my plan expired without my knowledge and I should have been paying twice what I was paying for over 6 months! I wrote a credit dispute to my school loan as instructed to remove the delinquent report and have since applied and have been approved for a new payment plan but my school loan denied removing the delinquent report without providing an explanation. I am submitting my 2nd dispute to get this resolved. I am trying to buy my XXXX home and this report has dropped my score over XXXX points!
Let me start by saying that my wife is pregnant with our XXXX child and due any day now. The undue hardship that this has caused us is beyond words. This complaint is against Nationstar Mortgage. XXXX XXXX XXXX service released my mortgage and sold it to Nationstar on XXXX XXXXXX/XX/2015 XXXX did not notify me of this. I was scheduled to close on the sale of the home on XXXX XXXX, XX/XX/2015, but had to cancel XXXX due to Nationstar refusing to send me a payoff quote form. I spoke to XXXX different " supervisors '' and was told a different excuse by each one. In XXXX years, I have never been so much as late for a payment and now these banks are taking advantage of me. All I need is a simple payoff request form faxed to me in order to be able to close.
it was an auto loan submitted in my name from bank of america, and it resulted in an inquiry in XXXX 2015, I called the number on my credit report and I called the number that was listed and the rep told me to take it up with the credit bureau, but the first start is to take it up with the creditor which is bank of america, it was shown on my equifax credit report. I did not apply for a auto loan, bank of america states they can not find that information, but it states an inquiry on my credit report. So since bank of america cant find the information and explained why there was an inquiry on my credit report. So i filed a compliant. i did not apply for a loan, i applied for previous auto loan but not another XXXX. So i decided to file a compliant. Nor did i obtain any goods.
I called on XX/XX/XXXX at approximately XXXX XXXX. The call was placed through my insurance agent at State Farm and she connected me to State Farm Bank. State Farm Bank informed me that the call was being recorded. 
I informed the CSR that I had not been receiving paper statement and she said they don't send paper statements. I told her that is what I was calling about as I wanted to receive paper statements. She said I had to log into state farm online to receive my statement. 
I again told her I would like to receive my statement via mail and she said " we don't do that. '' She said she didn't know any loan provider who would you with a paper statement. I told her that XXXX XXXX used to provide me with one and again asked for a paper statement and she said they would not do that.
I have a high interest rate FHA loan on a double wide, which is now attached to a permanent foundation and has no DMV title anymore. I was told that my lender chase had to work with me on a Streamline FHA Refinance so I could get a lower interest rate, but they are refusing because was a double wide at one point. I have no options as I am upside quite a bit owing about {$100000.00} and the property value is far less than that so I ca n't do a traditional refinance, but I am getting XXXX by the payments and just want a lower interest rate.
Barclays Bank on the XXXX XXXX Credit Card offered XXXX bonus points if I spend {$500.00} in EACH MONTH. XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. 
However they claim I did not meet the qualifications because I did not spend enough money until my statement was closed ( XX/XX/XXXX ). 
The bank would have given me the points if I had spent at least {$500.00} in EACH STATEMENT however that 's not what they have advertised. 
They have advertised EACH MONTH. 

EACH MONTH is not equal EACH STATEMENT.
I have a balance transfer offer with Citibank that expired in XXXX. I plan on paying the entire balance in full. By XXXX XXXX, Citi charged {$39.00} to my account. I want to get these fees waived, but have had difficulty in the past doing so with this bank. Been a Citi cardholder since 2012, never made a late payment and my credit is excellent. Recently, I spoke with a Citibank representative. They were able to reduce my interest rate. This happened before the interest charges posted on my account.
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX, WA-XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/XXXXSource : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
I responded to a Collection notice from XXXX/Collection Connection. I made contact verbally and written on XXXX/XXXX/2016 and XXXX/XXXX/2016. Requested validation of debt twice and even attempted to just pay. I advised them all communication must be in writing. Still received phone calls from XXXX XXXX, he left numerous voicemails to call him. I even provided a credit card on XXXX/XXXX/2016 info to pay if validation debt was received. Then received another notice XXXX/XXXX/2016 that the account was being reported to the credit bureaus. To this date, i have yet received any validation of debt. I 've emailed and sent certified letter requesting validation of debt. Today I checked my credit report and they reported the debt on my credit. I find this practice unethical and eroneous.
Contract Callers Inc Opened XX/XX/2018 This account was re-aged illegally and I was not informed about it being put on my credit report. I have kindly called the original creditor ( Which they told me to talk to the collections, because they shouldn't of had my account re-aged ) and I have also called the collection agency. They just wanted to collect debt, and never answered about the re-aging part question. This debt is more than 4 years old and should not be posted as it is new. It was included in chapter XXXX bankruptcy.
I discovered an XXXX unknown medical accounts on my TransUnion credit report back in XXXX 2015. They are both from XXXX. I sent a letter to XXXX XXXX XXXX via certified mail on XXXX XXXX, 2015 and it was received on XXXX XXXX,2015, requesting validation and have n't received a valid response. I sent a dispute to TransUnion XXXX XXXX, 2015. TransUnion responded in a letter dated XXXX/XXXX/2015 that they Verified, no change to both accounts. TransUnions refusal to properly investigate is a violation of the FCRA and FACTA.
I paid for a XXXX service threw XXXX once the customer recieved the money i was. Blocked
My minor child made unauthorized charges to my credit card without my consent, he is mentally XXXX and said he was not aware he was making these charges. My credit card company Citi, has denied the claim. I have spoken to XXXX XXXX and XXXX XXXX from citi, I told them I would provide any documentation stating my sons mental condition, but to no avail. I am a widow working a full time job with XXXX  young children. unfortunately my children aren't always under adult supervision, and therefore was easy to get ahold of my card. I have also spoken with XXXX and was told to speak with my credit card company, that they would be able to help me.so I have exhausted all efforts. These are the dates and charges made to XXXX. 
XX/XX/2018 {$26.00} XX/XX/2018 {$23.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$9.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00}XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$5.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$64.00} XX/XX/2018 {$37.00} XX/XX/2018 {$100.00} XX/XX/2018 {$10.00} XX/XX/2018 {$26.00} XX/XX/2018 {$26.00} XX/XX/2018 {$100.00} XX/XX/2018 {$64.00} XX/XX/2018 {$80.00} XX/XX/2018 {$100.00} XX/XX/2018 {$100.00} XX/XX/2018 {$39.00} XX/XX/2018 XXXXXX/XX/2018 XXXX Totaling charges {$1500.00} If you can please help with this matter it would be greatly appreciated. Thank you.
I transferred money into my capital one 360 checking from my XXXX because the two were linked. Then when I tried to move the money from my capital one account it said there was a problem. I called them and they were kind of rude and told me I needed to verify who I am through a series of multiple choice question about me. I said sure and after I completed the questions and passed they told me they were still going to close my account cause I was high risk or something???? Who knows with that. My credit score is great I've never been in trouble pay all my bills on time and have a job.. Anyway they said they were going to send me a check of the money in my account and that was 5 months ago.. I called one more time 3 months after the first call and they said, yeah the check wasn't cash, asked me my address and I asked to talk to someone who can help me understand cause he wasnt helping. He said ok one second, put me on hold the phone started ringing and I got an answering machine.. XXXX