WillisBack/dataset-financial-user-claim huggingface dataset:
More than a decade ago I incurred a debt with XXXX of {$10.00}. XXXX was the bank that issued the credit card for XXXX and XXXX. XXXX XXXX XXXX purchased the debt and took me to court where a judge gave me a judgment of {$8300.00} and monthly payments of {$100.00}. I paid this {$100.00} religiously every month and have bank records to prove it. 

I recently received a threatening and disturbing letter from Selip & Stylianou , LLP who claim they are attorneys at law trying to collect a sum of {$12000.00}. The judge already had a judgment which I paid and then the rest was charged off from my taxes. I have worked very hard to pay this bill and build my credit and these people are harassing me. 

I wish to file a formal complaint against Selip & Stylianou , LLP, Attorneys at Law at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Enclosed is a copy of their letter.
I was trying to open a dispute with Chase Freedom credit card starting XX/XX/2018, the day I faxed a request to open a purchase dispute. On XX/XX/XXXX I was informed that the Chase didnt receive the fax, even though I have a proof that the fax has being received. The same day, the XX/XX/XXXX, I emailed via secure messages a request to open a dispute. On XX/XX/XXXX I received an email from Chase : We received your dispute for a transaction on your credit card account. We're working on it now, and we'll respond to you with a phone call or a letter through standard mail. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that the dispute wasnt opened. On XX/XX/XXXX I called the credit card to follow up on the dispute, and was informed that no one was assigned to the dispute. It has been 25 days, and nothing has been done by the Chase credit card company. 
The item in dispute was received and signed for by the seller via XXXX XXXX on XX/XX/2018. 
I would like to resolve the dispute as soon as possible. 
Thank you, XXXX XXXX.
I called Equifax to file a dispute and was promised it will be filed but they ended up not filing the dispute instead they simply blocked me out from being able to call them and as of today 3 weeks later they still did n't initiate the dispute.
I had an American Express prepaid card for years. They sent me a letter stating they closed it in XXXX for no apparent reason, just a generic article that they can close it for any reason. I still had over {$130.00} of my own money on the card. When I call with my number it says your account is closed and hangs up. When I call from my sons number the rep says a check has been sent and the account is closed and can't tell me why or where the check is. I just want my money back. I also sent a letter to them in XXXX and still have not received a letter, email, check or any kind of response.
On several occasions, I applied for payday loans to help myself out of temporary financial downfalls that I had experienced for several years. 

I paid off each payday loan, but these payday loan companies applied high fees, service charges and interest charges that they did not make me aware of in the first place. I think it was so they could just make the sale of the loan to me without informing me of the stipulations of those loans. This seems to be common practice among these unethical companies. 

In the end, with all of the payday loans I had applied for and paid off, I was scammed out of over {$800.00} in fees, service charges and interest charges that I should not have been responsible for because of their unethical business practices. 

Also, I think it would only be fair for me to receive additional money damages due to the harassment I received from each payday loan company and the subsequent XXXX I had experienced since they harassed myself and my family, threatened to put me in jail, cease my property and investments and garnish my wages. This additional amount can be to your discretion, but I feel that I should be entitled to at least {$20000.00} from all of the fear, intimidation and XXXX I had experienced. XXXX XXXX run in my family and this has all taken its toll on me.
I am challenging Public Record Information on my credit reports as being inaccurate in its filing. The bankruptcy was initiated by the Federal Court, a government agency. Accordingly the term " Dismissed '' means that it is adjudicated by the law. The filing case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
On  X/X/2017    I sent certified correspondence to Transunion  LLC , ( it was signed for on  X/X/2017    ) regarding information placed on my credit repo rt, ( Illinois Federal Court " Bankruptcy '' and Will Recorder of Deeds " Tax Lien '' ) I requested that t hey VALIDATE the information, because the parties stated above mailed me letters stating that they DO NOT report to credit bureaus ( documentation was included in my initial dispute and uploaded in my complaint also ) .I requested that if the information placed on my report could not be VALIDATED I would like the information permanently removed from my report record, they responded to my request with a letter stating that it was VERIFIED and will remain on my report. I would like this matter re investigated.     enclosed is correspondence I am sending to Transunion to have my cas e re inv estigated along with my complaint to CFPB, a copy of the letter stating " verified '' fr om ( Transunion ) as well  as verification that  XXXX  has Deleted the Will Recorder of Deeds " Tax Lien '' from My credit report.
Previously disputed a Chapter XXXX   bankruptcy reporting on credit report.  Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted.  Credit bureau responded that investigated and found information to be accurate.  However, credit bureau has not and continue to omit any requested documentation proving verification.  I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX  has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.
I have a debt on my credit that doesnt belong to me and I believe it was an act of fraud. 
Date opened ; XX/XX/XXXX First reported ; XX/XX/XXXX Date of status ; XX/XX/XXXX Original Creditor ; XXXX XXXX XXXX Amount due ; {$330.00}
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XX/XX/XXXX 60 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 30 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Recieve 3 to 4 calls a day from Penn credit cor # XXXX while we at work. Called XXXX and I finally answered the phone VM instantly says " if you are the person press 1 '' never said a name. I hung up and called them back, got a young lady on the phone, who wanted me to give her my info., she did state that we are on a recorded line, but never gave me her name. wanted my address, gave her a fake address cause I KNOW I DO NOT OWE anyone -- my bills are paid on time and if not on time EARLY! Gave her my real address and she stated that neither was on file and that they would remove my number. however, i got into an argument with the rep., and do not trust this company especially with all the reviews posted.
I received a call from XXXX stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.
With Equixax, I disputed an adverse report-charge off from XXXX for {$87.00}, as not being my account. Equixax states that they are not reporting this account in my file, but they are reporting it as of XX/XX/2017 in my Equixax credit report # XXXX. Also Equixax will not provide a contact number or any reasonable and viable way to contact them to resolve this dispute, necessitating this complaint. And, XXXX Consumer Credit Dept states that they have no record of this account. I want this report removed or written proof that it is mine, and what the purchase was, etc. Thank you for your assistance and attention.
My wife XXXX XXXX has a Mortgage being serviced by Shellpoint Mortgage Service ( Acct. #  XXXX ) for XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, my name is XXXX XXXX. The mortgage was originally handled by XXXX  XXXX XXXX who transferred it to XXXX XXXX XXXX at the end of XX/XX/XXXX. We requested a Modification with XXXX but before they started they transferred it to Shellpoint. We then asked for a Modification with Shellpoint. We were being helped by the XXXX XXXX XXXX XXXX XXXX County to make sure everything was done right. Shellpoint told XXXX XXXX that we would have to be 1-2 months behind on mortgage payments ( 3 could cause foreclosure ) since we were never late once in the over 10 years of the Mortgage. Shellpoint dragged it on through multiple appraisals, redo of paperwork etc before finally deciding that since there was equity in the house there would be no modification. Shellpoint knew this from day 1 with the first appraisal but dragged it on. I recently asked the XXXX XXXX about the missed payments we were told to do but they said that companies due it verbally only. I e-mailed Shellpoint requesting to remove the late charges that accrued since we only did what they said. They replied NO including an e-mail ( 2nd request ) sent to their Mitigation Dept. on XX/XX/XXXX. Also, in XX/XX/XXXX we experienced Hurricane Irma. I called Shellpoint and was advised that you could miss 1-3 payments and that it would be added to the end of the loan. I advised Shellpoint that 1 month was enough. Again, more late charges. When asked about that I was told they had changed it but never told me. So, right now I pay 1 month behind but pay every month ( only missed 1 after Irma  ). More late charges and more refusal to help even though again we followed what Shellpoint said to do. I would like help with the late charges and continue to make our monthly payment ( {$1600.00} was {$1200.00} but it was a 10 year no interest Mortgage that increased when Shellpoint received it ) with no further problems. Shellpoint told me we need to pay the 1 payment thats behind and again the late charges stay and apply each month. We are on Social Security and if we could do that we wouldnt have asked for a Modification. Again, both times we followed Shellpoints instructions only to be rejected and penalized. Thank You XXXX XXXX ( husband of XXXX XXXX, Shellpoint has permission to deal with me since my wife is XX/XX/XXXX XXXX ). I can be reached at ( XXXX ) XXXX or e-mail XXXX.
I payed a kohl 's credit card on XX/XX/2018 with the amount being : {$150.00}. 

The issue that I have is that I was never given any alerts or mail that I had a due date coming up or even a statement of when my payment would be due. I have called their customer support and they realized their mistake and issued me a credit reversal which refunds me the late fee but was told they didn't have access to removing the delinquency from my credit history since they are only representatives. I have tried to reach out to the creditor but public information could not be found. 

I was only called once after 30 days being late and was told I was late but I had no knowledge. the same day they called me I payed the card in full as I never in my credit life have ever missed a payment or had any other forms of deliquency. 

I would like to work peacefully with the company to remove the delinquency and correct the error on my credit report.
i have not received notice of my right to dispute this debt. However this account is showing on all XXXX of my credit reports. Please look into this and i am willing to testify against this company for all violations of law
Hello thank you for addressing this matter while reviewing my three credit reports I see a 40 difference between XXXX  and the other two. Turns out inquiries for a mortgage during a one month period by two banks are being counted individually by Equifax and XXXX.

So I signed up to have credit monitoring to correct hoping to correct the issue and was charged twice by Equifax yet they have not provided me the service. I have receipts of the online transactions via my bank.

Lastly my balances on Equifax and XXXX are not updated so they reflect a {$5000.00} higher than XXXX it seems the other two want to sell me services for credit cards and loans rather then reflect the true balance. 
Please help XXXX
This debt amount is false this account was paid and when I returned the equipment i was told I had a XXXX balance and now after 5 yrs this other compamy call convergent is saying that I owe XXXX XXXX I asked for proof and this statement that was sent to me is false, it also does not show that I had recieved credit for equipment that I returned and the service date is wrong, they sent me bogus statement.
I chatted with a rep from GM who is the lien holder of my car. I asked if they could tell me if the car had any repairs done to it by the dealership ( XXXX XXXX LA. ) before I purchased it on XXXX/XXXX/15. I was told that she could not give me that info.I have a right to that info. I purchased this car with transmission issues and other issues that was not diclosed to me at the time of purchase.
Since XX/XX/2017, I've been receiving multiple phone numbers from XXXX XXXX for someone that is not me. I sent a message via their online portal ( XXXX XXXX XXXX ) to stop harassing me, or I would contact the CFPB. They did not.
Fraudulent use of credit card. Charges to my card from XXXX. I called and brought the fraudulent charges to the attention of my bank. They credited me with XXXX of the XXXX charges. When I called to correct the situation and get questions answered, the supervisor refused to speak with me. My checking account was debited for more than {$3000.00} in fraudulent charges after I was assured that the charges would be removed. The bank is USAA, credit card is Master Card.
No record found of account when company was notified. XXXX has already removed tradeline from file.
FCRA XXXX. XXXX, XXXX XXXX US COURT OF APPEALS. Case XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX ( XXXX XXXX. XXXX ). EQUIFAX refuses to conduct a reasonable reinvestigation and remove and/or inaccuracies even after being provided proof of the inaccuracies. Section 1681e ( b ) requires consumer reporting agencies " to follow 'reasonable procedures to assure maximum possible accuracy ' of the information '' contained in the credit report. Id. at XXXX ( quoting 15 U.S.C. 1681e ( b ) ). 

FCRA 623 ( a ) ( 5 ) States that the original creditor ( XXXX ) is required to accurately report the DOFD separately to the CRA ( EQUIFAX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. XXXX XXXX XXXX acted as was both the original creditor and collector for this account. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. This charged-off account became delinquent XX/XX/XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. I provided Equifax with an Original copy of XXXX XXXX XXXX Account History to support my inaccuracy dispute and Equifax still refused to correct the DOFD. 

Attached is copy of the Account History provided by XXXX XXXX XXXX, copy of EQUIFAX Investigation Report and a Certified Mail Receipt copy of my dispute.
I sent Experian, XXXX and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

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 XXXX XXXX I appreciate any assistance you can give me. 
Thank you!
On XX/XX/2019 I mailed out a letter requesting verification and a notice was sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I will attach the letter below.
Correspondence was sent to  CapStone Credit Services  on  XXXX / XXXX /   2016 inquiring about a {$380.00} debt reported to  XXXX ,  XXXX  &  XXXX . I requ ested information regarding the facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for CapStone to c ontinue reporting this debt.
My mortgage statement was dated XXXX/XXXX/2015. It was received on XXXX/XXXX/2015. This lapse of 9 days falls outside of normal postal delivery. I believe that actual mailing date took place on or about XXXX/XXXX/2015. The date on the statement should accurately approximate the date when the statement was placed in the mail.
The debt belongs to my ex-husband ( divorced 18 years ). He died on XXXX XXXX, 2016, therefore, he has not been paying his bills, because he is dead. 
I have explained to these people XXXX separate times, that I have nothing to do with my dead ex-husbands debts. I know they did an internet search for a related phone number and they focused on mine, as I am the only XXXX with a landline. My name nor phone number was never on his account, as he continued on with his life independently of myself. 
I have also told these people that, I am on the " Do NOT Call '' list and, they need to remove my phone number from their call list, especially since I had nothing to do with my ex-husband 's finances. They have refused to remove my number " unless an authorized person states it should be removed ''. I told them Good Luck with that, unless they can communicate with the dead. My dead ex-husband being the only authorized person on this account. 
I have also told these people XXXX that, his adult children will fax his death certificate to them, this Monday, XXXX XXXX, 2016, when they return to work. They continue to incessantly ring my phone and disturb my right to peace.
After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with Equifax on XX/XX/XXXX for the account, stating that the account does not belong to me. The account has not been removed my credit report.
We financed a new built home XXXX years ago with Bank of Texas XXXX id number XXXX out of XXXX Texas. The closing was a nightmare. We had gone to close XXXX different times. The closing cost increased and increased as we were told by the loan officer to sell XXXX ours cars and it would increase our credit score. We did this and it lowered our credit score by XXXX points which put us in a different bracket so we had to come up with more money. We ended up staying in a hotel for XXXX weeks with XXXX dogs costing over {$1500.00}. The loan officer said he would pay for all expenses for the hotel. He only gave us {$500.00}. So we were out the other {$1000.00}. XXXX years later I get a bill from Bank of Texas for XXXX stating that I owe them in back escrow that they have been collecting for. My husband and I are now going from a {$2600.00} payment per month to a {$3400.00} payment per month due to this so called " miss communication '' We are devastated about this large of a payment as I was let go from XXXX and was making XXXX per year. I am now working XXXX only making {$12.00} per hour.
I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.
XXXX Introduced free cash transfer between client. I made a transfer to a customer using his email address from my chase account using XXXX on the chase platform. The client is saying they never received the money. Chase saying they have proof the money was dilivered but due to privacy agreement they are not allowed to disclose the proof. I meed a legal document from chase or XXXX  that shows where the money went. XXXX is important to move money between people but the current dispute resolution is grosly inadequate. 

Thank You.
southwest credit system, L.P. has been contacting me to collect a debt from the original creditor XXXX, this is a fraudulent account i have never had a XXXX account i have disputed this twice, the first time they say the account came back as mines but did n't report me any proof of the validation of this account, i then disputed a second time only to receive a negative on the dispute status, i never signed a contract with XXXX, and i never signed anything to pay southwest credit system debt
I have submitted numerous stop orders to Chase regarding a charge of {$44.00} per month from XXXX XXXX XXXX XXXX. It is still being taken out after I submitted a charge back. I also contacted the company and they told me it was cancelled and I am still being charged. Please help.
I am a victim of identity theft and noticed a collection from Diversified Consultant. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Diversified consultant in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you