WillisBack/dataset-financial-user-claim huggingface dataset:
I made my XX/XX/XXXX payment for my morgage on XX/XX/XXXX, then when I went to make my XX/XX/XXXX payment Wells Fargo tried to do a double payment which I advised them they could not and they did reverse it but made my account 2 months past due which is incorrect, I am currently current on my mortgage and they refuse to listen to me or even contact me back when I do contact them. I have all my payment records here which is only a little over a year and a half proving I have made my payments, I admit in XX/XX/XXXX I made some late payments but for XX/XX/XXXX I have been ontime. They current have my due date being XX/XX/XXXX and saying I am past due which I am not and I have all the doc 's to prove it, that I am due for XX/XX/XXXX but I am making that payment today and I have a copy of that check as well. I have worked really hard on my credit and they are going to ruin it by them trying to rip me off!!
This company reported a false debt to the credit reporting agencies thats not mine. Ive never even lived at the address thats being reported. It caused my credit score to decrease 60 points!!!
I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.
I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.
With many failed attempts of disputing the following accounts, I decided to give it another shot before filing with the FTCA. You and your companies insist that the accounts been verified, but you never once sent me any physical documentation collaborating your claims. Be more specific than just saying account verified. How was it verified, what method of verification did you use, and even moreso who verified this. I'm disputing these accounts again, ( 1 ) XXXX XXXX {$4800.00}, ( 2 ) XXXX XXXX ( 3 ) XXXX XXXX  XXXX And if you can not provide me with physical documentation in regards to the above accounts than these accounts shall be blocked from my report.
Last week, I deposited a check that someone had endorsed over to me. I then withdrew an amount of cash from an ATM. USAA immediately put my account " under review '' and never told me. I did n't receive a call or an email. I logged in that night and my account balance was " unavailable ''. I called and was told it was a " back office '' review and the customer service representative could n't tell me anything for 3 business days. I called back after 3 business days and they still could n't tell me anything. A manager said they would fast track the review and I would hear from someone within 24 hours. That was over 48 hours ago. No one can tell me why this happened or how to resolve it. I do n't even know why it was put under review. I just want my money back so I can move to another bank.
I contacted Enhanced Recovery Company on my own to pay a debit. They told me that I could pay {$1000.00} for a pay and deletion. Upon the last payment the following month they tried to continue to draft my bank account I stopped the payment, because I already had satisfied the agreement. The original debt is {$1400.00}, I paid {$1000.00} which is a {$340.00} difference. This collection now shows on my report as closed with a {$500.00} balance, this company did not keep the agreement in which we established over the phone when I called them to satisfy the debt. I would like this closed collection removed from my credit and a letter from them stating this debt is PAID.
My bill pay check was not dated until XX/XX/XXXX, but the funds were made unavailable by the bank. As soon as I find out, I called the bank at XXXX on X/XX/17. He placed me on a long hold, telling me that he would try to cancel the bill pay and make the funds available. After a few minutes, he said he or his manager would call back. I never heard back from anyone. I then called the bank at my lunch, and they informed me they would not make the funds available. They essentially told me they could do whatever they wanted and did n't have to respect my wishes to cancel the transaction I feel this is constitutes deceptive and unfair business practices.
I have a U.S. bank XXXX XXXX credit card. I signed up for the card solely for the " Bonus Award Night '' benefit. I renewed my card and paid the {$75.00} annual fee on XXXX XXXX, 2015. I called on XXXX XXXX, 2015, to express my extreme disappointment about the loss of this benefit ( on XXXX XXXX, 2015 ) and asked for compensation in order to remain a cardholder. They promised XXXX bonus points and said that was the maximum. I was only awarded XXXX bonus points to my account. A friend was offered XXXX points and a {$75.00} credit for the annual fee. We both received our cards at the same time. Not only did U.S. Bank XXXX XXXX not provide me the points I was offered, they " short-changed '' me considerably in comparison to others. And if you read their terms for new cardholders, the Bonus Award Night is still listed, even though it ends on XXXX XXXX, 2015 ( https : //www.usbank.com/credit-cards/club-carlson-premier-rewards-visa-signature-credit-card.html )! I 'm now concerned about the ethical nature of this company.
A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX , XXXX XXXX.ACCT NO. XXXX.
My Name is XXXX XXXX, I am the Mother of XXXX XXXX. My son XXXX XXXX was has recieved a letter in the mail stating that he owed a medical bill. XXXX XXXX is a young college student who did n't have insurance at the time of service he recieved at the hospital. A financial application was submitted on his behalf and was approved. XXXX in good faith upon recieving the letter, not knowing that he did not owe the bill. Tried to take care of the debt, however he did this action with out my supervision. Even though he is over XXXX My son need assistance at times because of a XXXX. Which is why I am writing this letter. XXXX gave information to this debtor who collected all the money he had in his account, which was XXXX. When I learned of this I had XXXX call them back, and ask them to return the funds, because he was within his 30 days to dispute the bill he did not owe. However he has never dealt with a debt collector. While I applaud his effort in trying to address thie debt, he was misguided. XXXX called and asked for his funds to be returned because he really could n't afford to pay, and he did n't understand at the time he tried to address the debt. However they have not made any attemp to return his funds.
I 'm being told I owe Home Owner Association fees as well as outstanding property tax from XX/XX/XXXX-XX/XX/XXXX even though the property was charged off XX/XX/XXXX by Chase Mortgage. I have a copy of the Cancellation of Deed that was filed XX/XX/XXXX at the County Court House which was also filed by Chase Mortgage. However unbeknownst to me I 'm still showing as the current owner of the property and responsible for all the late fees. This derogatory blemish was scheduled to come off my credit report this year.
SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have reached out to Experian 8 times now about false information they are reporting in my credit report. Thus far it has been a year and to my dismay nothing has been done- I have not even received a response from them although my notices were sent registered mail. 
The XXXX erroneous entries are referenced below 1. XXXX Account Number XXXX 2. XXXX Account Number XXXX 3. XXXX Account Number XXXX 4. XXXX Account Number XXXX 5. XXXX Account Number XXXX
I opened a XXXX credit card account around in 2010 and I believe XXXX merited with XXXX XXXX. My XXXX MasterCard were paid in full and closed before I there were transferred to XXXX XXXX. At this time XXXX again Experian Credit Bureau is reporting my XXXX XXXX accounts with negative information. I reached out to XXXX XXXX and they stated that they will contact the reporting agencies again with the positive information.
This debt was for a hotel stay from XXXX/XXXX/XX/XX/XXXX for {$56.00}. I had XXXX separate reservations that were made for XXXX XXXX XXXX in XXXX XXXX, LA for XXXX. This stay included a free night and XXXX paid nights. I stayed in the same room during the entire length of my stay. Each day, I had to check out and check in per hotel policy, and my credit card was swiped XXXX consecutive days in a row. My credit card was charged for the XXXX night, XXXX for {$68.00}, but was not charged for XXXX. I even checked out at the front desk on XXXX/XXXX/XX/XX/XXXX and received copies of my hotel receipts. At no time was I notified that there was a balance due, that there was a problem with my card, or that my card was not properly swiped. The hotel even stated that I walked out without settling my balance! I think that after my card was swiped XXXX days in a row at the front desk, and credit card information was provided at the time the hotel was booked, I clearly did not attempt to walk out without paying for my stay. I followed XXXX XXXX XXXX 's policy, and they failed to properly bill my credit card. I was penalized for their mistake. 

On XXXX/XXXX/XX/XX/XXXX there was a collection on my credit report for {$57.00}. I had not been notified previously about this issue by phone ( my number is listed for the reservation ), by email, or by regular mail. I did n't realize this balance was owed until it appeared on my credit report! I made numerous phone calls in an attempt to resolve this issue, but feel that it should not have been posted as a collection on my credit report without fair notice. No one contacted me to attempt to resolve this issue before it was sent to collections, and the collection agency failed to notify me in writing or via phone regarding the debt prior to posting it as a collection. 

When I checked my credit report again around XXXX/XXXX/XX/XX/XXXX, the outstanding collection balance was showing {$350.00}! An extra {$300.00} had been added to the original amount claimed by the creditor. XXXX XXXX ( both XXXX XXXX LA and XXXX XXXX NV ), nor Allied Collections in XXXX XXXX, NV could explain why an additional amount was added. I did note that this appeared to be a violation of the FCRA for XXXX reasons. 

As of this date, the balance of {$56.00} has been paid, but has not been removed from my credit report. A balance of {$350.00} is still showing as a collection on my credit. Had I been notified of this issue up front, this could have easily been resolved in the beginning instead of being sent to collections and posted to my credit 4 months later. This is the XXXX negative item that has been posted to my credit report in more than 10 years. To have a hotel stay showing as a collection AFTER they received my credit card information when the reservation was made and again once I arrived at the hotel, is totally inexcusable. The posting of this inaccurate information is not only a violation, but is unfair to me because I was not give an opportunity to correct a mistake made by the hotel and/or their staff, and this negative mark has damaged my excellent credit history.
LTD Financial Service demonstrated false representation by presenting themselves as a debt collector on behalf of XXXX. They also, call and do n't leave messages. When questioned about why they do n't leave a message, you 're they ca n't leave messages. 

On XXXX/XXXX/15 I received a call from LTD Financial Service ( I spoke with XXXX XXXX, I was then transferred to XXXX XXXX ) advising they are collecting a debt on behalf of XXXX and that I only had 45 days to pay them plus interest. I advised I did n't believe they were collecting on behalf of XXXX because I received a letter from another debt collector for the same account. 

I advised LTD that if they legally owned the account to mail me a copy of the original terms & agreement and that I would then make payment arrangements. LTD sent me a letter dated the day of over conversation ( XXXX/XXXX/15 ). 

I followed up with LTD on XXXX/XXXX/15 ( I did n't write down the reps name however LTD advises they record the calls ) on the XXXX I again requested they provide documentation that they own the account. I advised that I would contact XXXX to verify whether or not they own the account. The rep offered a telephone number XXXX. I advised that I would use the telephone number that I have. 

On XXXX/XXXX/15 I spoke with XXXX at XXXX and explained what was happening and I asked if they are continuing to collect the debt. XXXX advised they are not collecting the debt because charged it off and that they would have contacted me if they sent it to a debt collector. XXXX also let me know that she was unable to verify the telephone # XXXX and the address ( XXXX ) noted within LTD 's Financial Services letter. 

I called and spoke with XXXX XXXX on XXXX/XXXX/15 to relay the conversation I had with XXXX. I was transferred to XXXX XXXX. After letting XXXX XXXX know XXXX is not attempting to collect the debt she attempted to continue to convince me that they were a debt collector on behalf of XXXX. Within moments, XXXX XXXX then told me that they no longer have the account in their office and the debt was cancelled as of XX/XX/2015 based on the conversation with them on that day. Note : the XXXX/XXXX/15 conversation was recorded ( with disclosure it was recorded ). 

On XXXX/XXXX/15 I called the telephone number LTD alleged was the number to XXXX, a prerecorded was received indicating, hello, thank you for calling, the number you called has changed, hang on, you may qualify for one of the following options ... 

Clearly, this appears to be a company attempting to scam consumers.
Several months ago, Valentine and Kebartas, Inc. ( VKI ) began contacting me using my work cell phone number regarding the collection of a student loan debt that is not mine ( I have never carried a debt related to student fees or tuition and this simply can not be my debt ). Each time I was contacted ( at least XXXX times in the past 4 months ) I responded by indicating that, while I have the same first and last name of the individual they are seeking, I am not that person. We have different middle names, we live in different states, and we have different social security numbers ( why would I know that? see below ). In some cases their telephone representatives were rude and dismissive. In XXXX case, their telephone representative hung up on me. 

Despite my repeated attempts to dispute the claim and assert that I am not the debtor, VKI has continued to contact me by calling the main reception line at my workplace and by sending " orders of withholding from earning '' statements to my work address. These notices include the full name, address, social security number, and total amount currently due of the debtor they are seeking to collect from. 

At first I thought it was simply incompetence that led them to make repeated attempts to contact me via my work cell phone. When they began contacting our main reception line and sending XXXX Mail to my work address, I realized it is not incompetence. Through their repeated attempts to collect a debt from an individual who has made a good faith effort to inform them of their mistake, VKI has:XXXX. ) Demonstrated a clear and willful pattern of creditor harassmentXXXX. ) Negligently violated the privacy of the actual debtor by freely distributing that individual 's name, address, social security number, and " amount due '' XXXX. ) Negligently caused damage to my personal and professional reputation
Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about 10 years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX  adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with two different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.
I signed up for an account with Equifax. The scores they have for themselves,  XXXX  and  XXXX  are all incorrect and do n't match any other FICO score for me. I called Equifax and they refused to help me over the phone, saying that they could not give me a score over the telephone. I am trying to buy a house and the mortgage company I am using uses Equifax exclusively so I have been rejected for a mortgage. As well, I paid down a lot of debt and as a result, Equifax dropped my credit score by  XXXX  points.
Incorrect information plus no customer service. As well, their website is almost always down for maintenance.
I have unauthorized inquires on my credit report, i have disputed these accounts with the company themselves and they have no knowledge of such inquires. The below listed inquires are unauthorized and need to be removed. 

XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I voluntary surrendered the vehicle in XX/XX/XXXX. At that time I requested a copy of my entire file with the company including the amount that the vehicle was sold for. I was told by the manager XXXX that I could not have any documentation relating to the vehicle. I called the office again and this time spoke to XXXX who managed the payments at the front office and was told that I would have to speak to a manager who should be able to get me the information. I was informed again that I could not have any paperwork including the resale price. I no longer had any contact with the company. As I am repairing my credit I reached back out to the company XX/XX/XXXX and this time I believe that I spoke to XXXX who informed me that he could not produce any paperwork since the account was so old and his exact words to me were " dispute this item on your credit report. '' I disputed this item XX/XX/XXXX and in XX/XX/XXXX after no activity since XX/XX/XXXX they have misrepresented on my credit report. 1st error - it is stating repossession and it should have stated voluntary surrender. 2nd error - they have stated that a payment of {$240.00} was made - I have not made any payments on this account. 3rd error - they stated that the vehicle was refinanced/renewed which is simply not true. This bank/creditor is known for their deceptive practices. Please investigate and remove from my credit as they are not providing correct or accurate information. Thank you kindly
As opposed to deleting tax lien from my credit file as unverifiable. XXXX marked the debt as paid, in order to keep an unverified tax lien on my credit file.
Collection agency trying to collect a debt that was never owed. I left the company with a credit on my account and some how it was turned into the collection agency. I left XXXX back in XX/XX/XXXXwith a credit and multiple collection companies have tried to collect a debt not owed. I just sent a letter to a company last month in XX/XX/XXXX and asked them to not to sell to another company as it is not a debt. Included a copy of the credit invoice and they still sold it to Convergent. I would like them to cease and desist from sending me collection letters and selling this account to other collection agencies.