WillisBack/dataset-financial-user-claim huggingface dataset:
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received notice of collection dat ed XX/XX/XXXX. I called and spoke to a representative onXX/XX/XXXX. We do not dispute the debt but we do dispute the amount. I sent a letter via overnight delivery disputing that amount. I received a letter dated XX/XX/XXXX supposedly enclosing validation of the amount. However, there was no validation of the amount in dispute. I then attempted and left numerous voicemails for, the representative I had been speaking with. On XX/XX/XXXX I spoke with a different representative. I attempted to discuss with her the disputed amount. She refused.

She then proceeded to call me, my husband, my mothers-in-law and my husband 's employer approximately 10 times per day. I spoke with her again today, XX/XX/XXXX. 

She informed me that they have entered judgment against us ( without our knowledge ) and will be garnishing my husband 's wages. I sent a letter today via overnight, return-receipt, stating all future contact must be via mail. That all documentation must show that the amount is disputed and that we will be hiring legal counsel.
I called Navient in hopes of discussing lowering my interest rate, understanding why there was a sudden increase in my monthly bill, and why after years of no missed payments my total amount owed appears to not be decreasing. When I called to discuss the matter they refused to answer any questions about the increase or discuss lowering the interest rate. Instead, they tried to talk me into deferring my loan even though I reiterated the issue was not in making the monthly payments, but in how the money was being applied. After three years of missing no payments, my loan is nearly double the amount it was when it was started, and if they will not even discuss the matter of the 8 % daily interest, it will never be payed, no matter how long I continue submit timely payments.
I purchased Ca home at XXXX XXXX  XXXX XXXX CA XXXX for {$290000.00} all cash, adding {$10000.00} in improvements. I became I'll last three years documented on XXXX. I used credit cards during illness to provide for myself. I was a legal assistant 15 years and widow. I am XXXX. Thru mail I received Discover ( same logo as my long time Card ) letter of notification for home equity loan, citing excellent payment with discover card and my home equity. Citing these two issues. 
AppliedXX/XX/XXXX, XX/XX/XXXX received rejection letter. I'm a XXXX XXXX cyberhacking victim. Fake " charge off " planted XX/XX/XXXX..reason for refusal. Item removed two weeks ago.. 
Called Discover..said " your 7 years prompt on time payments, paying off debts, does not count only credit score and your balance on Discover card is too high. Fake Credit checks on XXXX  monthly from discover mortage and I don't have mortage. It is driving up cost to borrow on Discover. They said they are separate companies yet with same logo. 
Loan quote was a payment of {$680.00} a month {$35000.00} equity. Double what flyer said What hurt my credit was discover and they are lying in mailings. 
Representative said " alleged fake items in credit check. '' I said they were removed.
Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. As an example, EQUIFAX is reporting, non compliant information on derogatory accounts, such as consecutive months reporting " 30 days late '' ( which is impossible ), six months of charge off reporting, balances on charge offs, etc. This is without adequate legal standing, in full accordance with the credit regulation compliance standard and laws. 

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XXXX XXXX XXXX has continually harassed me with debt calls they state that I owe them however I have never had a business relationship with this company. I called them and stated I would like them to send me proof of my debt to them and they never sent me any proof of any kind. They then sued me in the local XXXX XXXX XXXX XXXX XXXX. PA on XX/XX/17. I hired a third-party mediator to try to work with XXXX, first to prove the debt was valid and if so work out a resolution, but even they could not mediate a fair resolution because XXXX had no proof of validity on the debts owed. When my day in court finally came on XX/XX/17 I arrived to dispute the lawsuit ( after having to take the entire day off of work ) but XXXX nor any of their legal representatives even showed up. The XXXX Judge discharged the debt however XXXX filed an appeal and now has another lawsuit against me in the PA Court of Common Pleas. I simply can not believe this company can file a lawsuit and not show up for court and then file an appeal. I have lost time at work and wages due to these actions by XXXX, additionally I have been extremely stressed and risk losing my job due to their phone calls at my work and their harassing tactics. When talking to them on the phone they demanded a payment of any kind so the lawsuit could " go away ''. They are basically using scare tactics to extort money out of people. Unfortunately I landed in this situation because I am recently divorced and went through a very horrible separation and divorce and I do not know what to an exact degree what past debts are truly mine, my ex-wife 's, or both of ours combined and companies like XXXX are taking advantage of hard-working Americans like myself by using their attorneys and their power to try to bully people into paying them money in order to prevent being sued in their " shakedown '' lawsuits. After researching XXXX it appears this company buys bulk debts at rock-bottom low rates from down-on-their-luck people and then tries to go after them with these scare tactics, and despite being been found liable for illegal tactics in a multitude of class-action and other lawsuits they are still allowed to operate. The tactics that this company has used against me are despicable and are clear violations of abuse of process and consumer intimidation and I intend to file a federal lawsuit seeking damages.
I was reported with a debt that was opened and originated because someone stole my identity this has already been known by the so called creditors reporting this fraudulentl account the needs to be removed.
Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called th em ( after 30 min on the phone ) finally got access to my account. Put in new info, it did not take the info e ven though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my credit score  XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.
On numerous occasions I have called Equifax because my address after several requests was never updated even though I have lived in my current address for over 2 years. I have submitted proof of identity 4 times already and every time i have called them either they do not have the documents or part of the documents. I have spoken to several supervisors and am met with inadequate servicing of my account and several times they claimed they could not even find my file. I also have tried for months to remove a fraud alert that i have never requested and to date they refuse to remove it. They are very disorganized and do not seem to know how to do their jobs, it is unacceptable the amount of time i have wasted on the phone and the many times i have had to send documentation and still months later the issue is not resolved and has hindered my ability to refinance my home. They are the absolute worst when it comes to servicing the needs of their customers and are clearly in violation of the FCRA.
This property has been under contract since XX/XX/2018. Select Portfolio Servicing is  the only lien holder. 

SPS is dragging the process out and it appears that every 30 days they are asking for the same document over and over again to prolong the process. 

Can you please assist in making SPS escalate this file? As stated above, the property has been under contract since XX/XX/2018. SPS has been asking documents on a piece meal manner, deliberately prolonging the whole process. We are risking of losing the buyer with a very very good offer because of this. Thank you for your assistance with this matter.
The amount claim owed by XXXX XXXX XXXX was incorrect. I talked with them on multiple occasions and they did not respond with evidence supporting the bill. Eventually they turned the dispute over to a collections agency " XXXX XXXX XXXX '' which sent me a letter. 
I immediately contacted them and emailed them filing a dispute with them and followed up a couple of times. I was told verbally and via email they were waiting for a response from XXXX XXXX XXXX and that " apparently XXXX XXXX XXXX sees this inconsistency as well ''. Eventually they drop the issue after XXXX XXXX XXXX was unable to substantiate there claim. Then I received a call & letter from another collection company " Diversified Consultants Inc ''. I contacted them and explained the issue, emailed them a dispute, and sent the dispute letter, and supporting documentation within 30 days of notification. No response was recieved from them written or other. They did no investigation, and proceeded to immediately filed a collection with credit reporting agency 's. " Diversified Consultants Inc '' did not follow the law and provide or protect my rights under FTC rules and laws.
Listed XXXX, XXXX Portfolio Recovery Associates, Portfolio Recovery A, original debtor : XXXX, listed as open account, charged off by original.debtor,, last pd XX/XX/2007. Different C/R removal dates.
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
I recently pulled my credit report and there are fraudulent addresses as well as accounts that do not belong to me. 
Fraudulent Addresses 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 XXXX-Fraudulent Name 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 company repeatedly calls my job on a daily basis harassing me and my coworkers about a debt that I do not owe. I have asked them to stop calling my job on multiple occasions.
A payment was sent to Navient on XX/XX/XXXX. I used their online portal and emailed them 3 times to apply my payment in full to loan # 2. The only way I seem to be able to get them to respond and actually apply my payments correctly is to file a complain after getting frustrated with Navient not following my remittance information.
We found that we had a lien on our names and contacted the company who filed the lien. This company told us the debt was sold to XXXX XXXX XXXX, XXXX. Upon further investigation, we find that this company filed for dissolution. The company is no longer answering calls and we need to know what has happened to the debt so that any judgements or liens can be cleared.
Today XXXX/XXXX/XXXX at XXXX am I attempted to check my credit report through TransUnion XXXX this complaint has two parts. 

1. I attempted to get my free credit report, and on their main page ther is a button to get you credit report that tried to charge me to get my first 1 of 3 credit reports I am entitled to. 

2. When I found the free credit report link, the site looked sketchy but it had an https address. Any way, I tried to get my report but received a message saying that my identity count not be verified. Then suggested i be redirected to ht page where I put in my information. also there was not where else I could go or click. So i try to re input my information, though it was correct. But it takes me to a screen that say " You have now used your XXXX free credit report ''. They were not able to validate my identity, but still took one of my reports. They did not show me anything about my credit information. I tried to find a number to call to address the problem on the sight, but all that was available in the contact section was an address in XXXX, not even an email.
BARCLAYS VIOLATION OF FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND OR FAIR DEBT COLLECTION PRACTICES SECTION 807 ( 8 ). On XX/XX/XXXX Barclays signed a " notice to dispute '' and on XX/XX/XXXX I pulled my credit report and they FAILED to mark my account " DISPUTED '' which is REQUIRED BY LAW.
XX/XX/XXXX XXXX XXXX XXXX of XXXX, FL reported to XXXX  and other reporting credit beueaus that a debt in the amount of {$2200.00} was owed from an old XXXX account. Several months eariler XXXX sent this debt to another collections agency called XXXX  XXXX in XX/XX/XXXX. I contacted them and proivded documenation showing I do not owe the debt and that it was paid off well before the account with XXXX was closed. XXXX XXXX confirmed and corrected the reporting inforamtion. Now, XXXX has resold this inaccurate debt to XXXX XXXX XXXX who refuses to remove the inaccurate debt dispute providing documentation showing the account does not belong to me. On XX/XX/XXXX, I noticed a collection debt reporting on my credit report. I reached out to XXXX XXXX XXXX to investigate the debt. They did not have any accurate contact information on file for me, so I never was notified about the debt, it just went straight to the credit report. I was told to submit a dispute to email my request to XXXX and reference # XXXX. Shortly I recieved an email stating they can not delete the account from credit bureaus. I asked CFPB honor its mandate and protect this consumer of unpair and illegal reporting of false debt.
Credco -  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  Please remove these inquiries.
I have disputed this account 4 times with TransUnion mentioning to them that this account has a closed date of XXXX/XXXX/XXXX and a last payment of XXXX/XXXX/XXXX according to the state of CA statute of limitations this account should be removed from my report 7 years from the date of first delinquency. I called TransUnion they say the date of first delinquency on file is in XXXX which makes no sense because if the date of the last payement was XXXX/XXXX/XXXX then the date of first delincquency should be XXXX/XXXX/XXXX OR XXXX/XXXX/XXXX somewhere around there. I have also called XXXX about this account and right away they tell me before I am able to say anything that this account may be not be within the statute of limitations anymore and that any payments to the account may restart that time frame and asks right away if I would like to make a payment. I told them the reason for my call was to get information on the account ( ie statments, letters, anything ) they tell me that they can not send or see any information on the account they can only apply a payment to the account.
Fidelity Information C XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Was placed in collections by this company. Received NO notice or any other information about this debt or any action concerning it. 

Doing this without notification is a violation of law. 

If they can place it on my credit report, they obviously have enough info to locate me. 

This is an invalid debt from an apartment complex in which I never lived. 

Have tried to contact them via phone, but have refused to discuss the mater.
1. ) In XX/XX/XXXX in violation of fair credit billing laws USAA reversed the decision on a billing dispute made in my favor from XX/XX/XXXX-XX/XX/XXXX a  year prior. 2. ) At that time I requested all documentation obtained during their investigation, and documentation used in making their decision. I have yet to receive any documentation for my USAA XXXX XXXX which had the largest discrepancies and errors. 3. ) I received billing statements for my two USAA XXXX Cards, none of these statements had any of the requested documentation relating to USAA 's investigation and decision to take adverse actions. 4. ) I still have not received a billing statements for my USAA XXXX XXXX and since USAA restricted my online access back in XX/XX/XXXX I  have had no way of knowing what they are actually doing. I say this because USAA has failed to maintain open lines of communication or provide the requested documentation as required by law. 5. ) The timeline provided by regulation Z to finalize all billing disputes has already expired, as well as the timeline allowed for USAA to provide the requested documentation.
6. ) USAA might say they made several attempts to send me the documents. However in a discussion with XXXX from the collections department as of XX/XX/XXXX all my documents and communication with USAA was still set to be delivered online on USAA.com. Meaning, I was unable to access them due to USAA restricted my onilne account access in XX/XX/XXXX. Furthermore, I made repeated requests verbally and in writing for these documents and was assured by more than 10 agents I would receive them. To this day for the USAA XXXX XXXX I have not received any documents. And I have not received any requested documents for any of my affected accounts related to USAA 's investigation or offering a detailed explanation of their decision to take many adverse actions.
On XXXX/XXXX/2015 I went to MoneyGram at XXXX XXXX XXXX in XXXX XXXX, XXXX for transfer {$890.00} plus fees for my friend in XXXX, over the weekend he contact me for telling me that he ha been transfer to a XXXX on XXXX he never got the money that I send it to him, when I contact XXXX few days ago a female told me that the money was paid to my friend 1 hr. later on XXXX, she told me that she will sent a compliance for an investigation to my email, of course I never received, Today I call again and the person over the phone told me that they do n't ever request id for pick up the money, he does n't offer a solution, his a supervisor his name is XXXX and he refused to give me his last name but he offer me his phone # XXXX XXXX, he finish telling me that I was a victim of fraud. what make me upset is the way they manage the money transfer, is unsafe, I will never going to use this service again, I do n't have my money back and neither my friend, we do n't know who has it!!!
Chase refuses to provide a closing date for a simple refi of existing loan held by Chase even after 100+ days. Chase has said there are no problems with my application, just they are very busy. Rate lock has expired.
Equifax did not adequately protect my credit report from hackers, resulting in my personal information being stolen. Moreover, their decision to delay notifying me about the hack for two months delayed any measures I might wish to take to prevent identity theft. Not only were they negligent with my private information, but they failed to notify me in a timely manner so that I could protect myself from their negligence. My identity and credit are now permanently at a higher risk of theft due to this recent hack, and any compensatory action must take that into account.
- I signed up for a day-trading course from XXXX XXXX XXXX, with the agreement of ( 4 ) payments of {$140.00} which is {$580.00}, using my Bank of America credit card. After ( 1 ) month of making ( 4 ) weekly payments, I received another charge from XXXX XXXX of {$190.00} that was charged on my BOA credit card again. 

- I reached out to XXXX XXXX via email - who told me that the {$190.00} was charged because I failed to cancel the service before ( 30 ) days. I explained to XXXX XXXX that I assumed that I was purchasing an individual product and not a subscription service ( as the company offers both of these, but the individual product does not expire and the subscription service does ). The company sent me back a lengthy and clear listing of their terms and conditions, which clearly showed me that the product that I purchased was a subscription service, and if I did not cancel within ( 30 ) days a monthly charge of {$190.00} would apply. 

- However, these clear and concise terms that XXXX XXXX provided me, was very inconspicuous on the email ads that was used to entice me to purchase the service. Specifically, XXXX XXXX used a browsewrap having only a hyperlink disclaimer that was located way below the ordering link, in which there was no reason for me to continue to scroll down to see it. Legally, this type of unreasonably difficult to locate terms and conditions is not valid, binding, nor can it be enforced. 

- On XX/XX/2018 I disputed the charges with BOA ( 4 ) {$140.00} charges as the service was not even working while I attempted to use it and overall I was completely dissatisfied with the service because it was not what was offered to me and I also disputed the {$190.00} charge as this was not even authorized. These charges were reversed and was I provided a credit by BOA, I received a letter from BOA days letter explaining that the dispute was under investigation, and I may need to provide evidence if the merchant disagreed. Shortly after, the charges were applied back to my account.

- However, BOA failed to send me a written explanation as described by the fair credit billing act. I only became aware of this by calling to make a payment on my account which was much longer than the 10 days that the investigation was convened. I still reached out to BOA after finding these unbeknownst charges being reapplied to my account, but because the investigation ended more than 10 days, BOA denied even reading or reopening my dispute case.
Experian for the past 3 mouths this company will send up dated credit reportAll XXXX will not sent out letters of dispute will take off accounts that someone usedI need up date report on all XXXX I ask to delte the late charges the bank will not send mestanding ments of what been charge date back XXXX of 2014. 
Copys of letters that I sent for the last XXXX mouths all XXXX not every good company to do business I have a right to dispute what is on my credit all I get is the run around.
The following personal information is incorrect on my credit report. 

Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : 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 Attached is a copy of my DL, SS Card and utility bill so you can see its wrong.
I applied for a Citi XXXX XXXX Credit Card with the promotional terms of XXXX XXXX points after spending {$2000.00}. Citi now refuses to honor the promotion stating that I have had another card opened in the prior 18 months. However, there is no disclaimer on the application or in the fine print that states this exclusion. Simple case of bait and switch. I have a copy of the application with the promotional terms and the disclaimers as proof.