WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX
I requested a payout in the amount of {$2300.00} from this company on XXXX XXXX, XXXX at XXXX XXXX. The payout method was via Wire Withdrawal to my bank account, which charged me XXXX due to the expedited nature of a 'wire ' withdrawal. It had a guaranteed delivery date of XXXX/XXXX/XXXX. After having not received the funds on XXXX, I contacted them, and they briefly replied that they were working on it. As XXXX time was nearing, I sent them several follow up e-mails and failed phone attempts ( Customer support telephone line is almost impossible to get ahold of, and they claim they do not honor withdrawal issues via phone, only site login difficulties ),  and received no replies. This money was intended for XXXX, rent, and a number of other bills that were due. I relied on this company to pay me out in the timeframe that was promised.. it is now 15 days past my withdrawal date, and 12 days past the expected delivery date, and I have not received a penny to my bank, or any valid e-mail responses indicating when my money will show up.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX wants to collect on a private student loan that is past the statue of limitation. They informed me that the original loan was {$33000.00} is currently {$49000.00} after 9 years of interest. They originally offered a {$29000.00} pay off in a letter received 2 days prior to a phone call. During the call I informed them that the debt was not on any credit report and was told that was do to it being a private loan and offered a one time payment of {$10000.00} with $ 800 monthly payments for 2 years. After informing the caller that I needed time to look into the claim, the offer was to settle for {$17000.00} if I could get a loan from a bank or credit union or to start a small monthly payment that I could afford with the first payment being made over the phone. I asked for verification of the loans history and told them that I could not make a decision as how to proceed until I had more information.
Equifax mishandled my information and put me, along with 143 million other people at risk for identity theft. I am listed as a potential victim on their website.
Inquiries were removed and re added without notification or reasoning. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
This collection account is showing on my credit report. opened last XX/XX/2017 with a balance of {$47.00}. This is an identity theft.
There have now been three attempts to validate XXXX account on my credit file. They conducted an investigation in XX/XX/2018, but their investigation conflicts with XXXX   investigation who also conducted an investigation at the same time. I don't even know if this account is even mine and Transunion and XXXX have failed to validate the account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
We believe Ocwen Loan Servicing, LLC., has miscalculated and misapplied the payments. We have received an untitled document that appears to be a transaction history, but can not understand all the terms, abbreviations, and entries. We have asked for an explanation, but did not even receive a response.
First college I attended was a scam like reported in news and media. Poor teaching, poor education, and poor internship. The was no high paying job as a clinical medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down.
This is Contienetal Finance/ XXXX Credit Card.I sent them a letter on XXXX XXXX, 2015, citing law 15 U.S.C. Section 1692c, to cease all phone calls to me or anyone I may or may not know. From that date until XXXX XXXX, 2015, they have made over 26 calls. I sent a second letter to them at that time. Since then they have called 26 more times. I have sent letters to other creditors and they have acknowledged them and have stopped calling. This company wo n't stop and if I answer the call, they hang up.
After reviewing my Credit Report I call XXXX XXXX XXXX XXXX XXXX about a collection on my credit files they and agreed that if I paid the XXXX owed XXXX 2016, they would delete the collection files from all Credit Reporting Agent however, that have not happen to this day XXXX XXXX, 2016, their excuse : On XXXX 2016 the said I would have to wait 30 days, On XXXX 2016 the said I would have to wait 30 days, Now XXXX 2016 I was told now I will Have to wait until XXXX 2016, albeit, the said they have informed all Credit Reporting Agent to delete my collection files as promised. However, Equifax stated the last communication they had with XXXX XXXX XXXX or XXXX XXXX was XXXX XXXX, 2016, and it was not to delete any files.
XXXX  edLoan never provided any documentation of loan repayment information. We were unaware that FedLoan  was our provider as we received no contact from them. Had been paying other student loans with  XXXX  for months as they had been in communication from the time before I was even graduated from college. Have been making those separate loans on time with no proble m. FedLoan has now destroyed my credit rating for delinquency and now they   say I owe all this accrued interest when I did n't even know FedLoan wa s my provider until today, they sent no communication-no letters, no phone calls. An email was on file that they said they were using, however, I do not communicate via e-mail and prefer to not to  do my bills electronically therefore I can not for the life of me seem to understand how they will tell me that I selected e-banking when I would most certainly never do that. In addition, all the several phone calls they insisted they made. Not one of   them did I receive, not a single message. Did not receive any letter notifications telling me my account was delinquent as I had n't been paying. I do not mind paying my l oans, whatsoever, in fact have been paying other ones with no problem. However, how can I pay my loan if I have no loan information and do n't even know who am I am expected to pay? It was n't until I ran a credit report that I realized FedLoan was destroying my credit for these payments I was given no information about. Now it is just their word against mine. FedLoan has several complaints open about them and clea rly I am not alone in thinking their business practices are fraudulent.
ocwen lona servicng XXXX, XXXX, XXXX XXXX, XXXX debt collector above the law, gaming the sysyem, a pattern as attached will answer XXXX, Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. 
judge rule for hearing on XXXX/XXXX/XXXX hearing date XXXX/XXXX/XXXX law firm debt collector back-dated information set sale date for XXXX/XXXX/XXXX beacuse they are above the system, gamiing the sysytem mailed dated sent for sale date was stamped XXXX/XXXX/XXXX denial my right to defend, knew the documnets file in court was fraud the assignments document fraud to game the sysytem they set a sale dat before the hearing, this a partner with this firm XXXX, XXXX, XXXX XXXX, XXXX, of XXXX, XXXX as atthached
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX - LENDING USA Account Number : XXXX Monthly Payment : {$160.00} Date Opened : XX/XX/2016
I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX XXXX  account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
I got a letter from debt collector. The debt collector wanted respond within 30 days.I call the debt collecto for negotiate payment. 
Debt collector want me pay {$120.00} a month, but i have a very heavy finance difficulty problem. I had asked to debt collector to pay {$50.00} a month.The debt collector refused my negotiate, and The debt collector keep continued law suit eventhough i pay {$50.00} a month. I used paid about {$70.00} a month to credit co.The debt collector rapidly raised up monthly payment.
Equifax credit reporting agency is not fixing an issue I am having with wrong information on my credit report. Today I viewed on XXXX XXXX that equifax deleted my XXXX account off my credit report this account should not have been deleted off my credit report. I never gave permission to delete it. Having this account deleted brought my credit score down. My next issue is XXXX XXXX XXXXXXXX that is reporting that should not be reporting. I submitted substantial proof along with speaking to the CEO of XXXX XXXX XXXX and it was confirmed to be removed from my credit report. Instead of removing it equifax added a remark to this account. This is completely wrong. I am very discouraged in getting equifax to correct these issues. Another account XXXX XXXX XXXX XXXX is reporting as me including this account in bankruptcy. I never filed for bankruptcy. How can they put such false information. I fully expect that this bankruptcy comment be removed off my report. I 've also uploaded proof from experian that these other 2 accounts were removed from my XXXX credit report. Equifax should have received the same information.
Received a voice mail message threatening me ( using incorrect first name ). I was told all communication was documented and legal action would be taken unless I called today. The caller identified herself as XXXX but never identified the company she was associated with. 
I check my credit score monthly and my bank/credit acccounts several times a week - I have NO delinquent credit accounts. 
I have the voice mail message if needed. The phone number left was XXXX, ext XXXX
On XX/XX/XXXX called Citicard at XXXX regarding my account ending in XXXX due to two electronic payments ( XX/XX/XXXXcheck # XXXX and XX/XX/XXXX Check # XXXX - {$80.00} ea ) that were returned to my bank ( Chase ) by Citicards. 
I spoke with XXXX at the customer service number listed above who was unable to explain why both of my payments above were returned. He advised me to change the mailing address from the XXXX XXXX SD address to XXXX XXXX XXXX XXXX AZ XXXX and he took a debit card payment for {$80.00} with me over the phone to resolve the situation. 
However, upon receiving my XX/XX/XXXXstatement I saw the same problems was happening as credit for payment Chase bank states were paid are not reflected on my account statements via Citicards. 
I again called the XXXX number on XX/XX/XXXX and first spoke with XXXX who confirmed no payments were posted to the account ending in XXXX and was also unable to tell me why. 
I asked to speak with a manger and spoke with XXXX ID # XXXX who via a three way call to Chase bank with me to verify payment, stated she would note acct, request an investigation. Yet I received a letter XX/XX/XXXX requesting bank statements within 30 days to prove all that was confirmed with manager to keep the conditional {$80.00} credit resulting from my conversation with XXXX. 
However, today I received notice form Citi cards in another letter that they were reversing the {$80.00} credit that ensued from my XX/XX/XXXX telephone call inquiry and with out any reason as to why. 
It appears that I am being penalized for being a responsible and proactive customer and would like this matter looked into further in order to help me resolve it. 
Thank you
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX porsche of XXXX XXXX is in violation of every XXXX and XXXX law not having sign documents telling me i cant cancel products
I am my sisters Power of Attorney. The end of 2016 she took out a loan from First Virginia. Early XXXX she became XXXX XXXX  and I took over her finances. a few weeks ago I went to a First Virginia location in XXXX XXXX to pay off the loan and they referred me to IDR in Arizona. After I contacted them & was given the " run around '', First Virginia withdrew money from my sisters account, which I believe is wrong. I do n't understand why they refuse to let me pay this off.
Experian is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.XXXX XXXX XXXX XXXX states that the account was sent to their office on XX/XX/2017 but it is reporting on Experian that it was open on XX/XX/2017
This account was removed from my credit report for false information being provided and this information was sold to another company.
In XX/XX/2018 my Indiana Income tax refund was offset and sent to XXXX XXXX. I called XXXX XXXX via the toll free number provided by the Indiana Department of Revenue, at which time I requested in writing and by phone a detailed breakdown of all charges as well as credits. XXXX XXXX has failed to send any documentation supporting the debt. I am aware of two grants the college has received on my behalf, yet no explanation has been provided detailing how these monies have been applied toward the debt they alleged I owe. 
In addition to this, I have had to dispute the amounts for which they are claiming I owe as the letter I received claims one amount and the email I received says another, while my credit report claims two times the amount.
On XX/XX/XXXX I sent a cease and desist letter to Western Shamrock Finance in  XXXX, Texas ( I have attached a copy of same ) per the instructions of a debt consolidation company I was conversing with. I later decided against using the consolidation company, so they sent letters to my debtors stating they no longer represented me. 

On XX/XX/XXXX I received another call from the a representative with same company, Western Shamrock. I told her I sent them a cease and desist letter and sent it to them again dated XX/XX/XXXX. I received another call and she stated " I was told to call you and your references every day until we receive a payment ''. I told her that was harassment and they needed to review the letter again and hung up.
The Honorable FDIC Complaints Request Response to XXXX SENATORS REQUESTS : i filed charging highest-complaints against Bank of America in breaking record requests notification to XXXX Senators and XXXX XXXX at formal requests : I am not happy with Bank of America refused serve to a XXXX individual who applied credit card made declined and they made denial credit card because of overdraft and worst horror credit records discrimination addresses as they insulted me in XXXX call out addresses report to XXXX Senators and XXXX XXXX knowledge what wrong with Bank of America. Bank of America made hatred against XXXX individual that horror discrimination harmful credit card records. I am not happy with Bank of America 's credit card as insulted me dumbest individual as they laughed at me in poorest XXXX account! Bank of America refused removed bad credit records and bad overdraft records that they criticized against my checking account notification to XXXX SENATORS and XXXX XXXX and XXXX XXXX XXXX charging enforcement requests.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 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.
I received a phone call on my cell from Budget Control Services and did not answer because I was at work. I then received a phone call and voicemail on my recorded work line from the same person, XXXX XXXX, asking me to call back regarding an account. Thinking it was regarding an account that I work with, I called her back from my work number and then she proceeded to tell me about the debt that I owe for {$460.00}. Since the line is recorded, I hung up immediately because I did not want my employer to know my personal business. She then called back my work number twice, and both times I didnt answer. Sometime the week of XX/XX/XXXX she called my cell phone, which I answered, and she said that shes been trying to reach me and I hung up on her. I explained that she was calling my place of employment and to remove the number and never call it again. She proceeded to say that I had called her back from that number so she called it again. I again told her to remove the number and stop calling. She was unprofessional so I hung up again. She then called my husband and threatened to put his name on the account and start credit reporting if he didnt make a payment. He set up one payment with her, which was made on XX/XX/XXXX. On XX/XX/XXXX, the receptionist called me on my work line and said that a XXXX XXXX was asking for me. Irritated because I asked her to stop calling, I said transfer it to my work voicemail, which she did. She then called the receptionist back and said she got my voicemail and that she wanted to talk with me. The receptionist explained that I was either on the phone or in a meeting. XXXX XXXX then proceeded to say she didnt realize she called my place of employment and wound just call my husband for payment.
Costco changed credit card service to Citi Anywhere XXXX. I signed up for paperless billing and in XXXX received the first email alerting me of a balance and payment due. It also contained {$25.00} late charge. Upon phone call to Citi I was informed that I did not receive my first bill in XXXX because I had not signed up for bill alert notification. Interesting that once the late charge was added suddenly they sent me an email that I had a bill due. This is very deceptive and improper business practice. Anyone dealing with Citi beware.
Not absolutely sure this is me nor have I ever check my credit but I would like it not to be affecting my credit and get this resolved
In XX/XX/2017 I became a payment behind it is due the XXXX of each month and I paid it on the first of the following month which made in the area of 15- 16 days late. They have been charging me a late fee of XXXX each month i have done this. I had no problem paying the late fee but around XX/XX/XXXX i found that they were not applying the late fees payments towards the late fees but to my principle balance. So my late fees started piling up. When i realized what they had done i sent them an email asking them to apply those payments to my late charges and not my principle balance. This was never done. That however is not what my complaint is about I received a call from them regarding the continued late payments and they offered me a deferment of the outstanding balance. We all agreed and two payments were deferred to the end of the loan. Now the next installment is due and the late fees are on there. I was told the balance including late fees would be deferred, so when i got my statement it had a XXXX late added to it along with the XXXX dollars in late fees i stilled owed. When i called them to point this out I first got the same story from the first rep i talked to then she put me on hold to review my account and a second rep picked up the phone and stated that late fees do not get deferred and that the XXXX   dollars i paid was for a deferment fee.

I understood that what the XXXX dollars was for and that i was instructed by there rep when I initially did this that they would be, I also told the rep that I did not have a problem paying the late fees of XXXX dollars still owed. my Problem was that they were charging me another XXXX dollar late fee for the late fees not being paid. So they were they charging me a late fee on a late fee. One not to sure if that is legal they say it is in the contract, however i do not believe you can contract away the rules or law, which i told i felt that the contract was in error and i just missed that clause if there, but i am paying for misleading information on there part and no where does it state that i need to clear the late charges, not even in the letter of verification they sent. I went ahead and payed the late fee with the new payment. But feel that this practice is not legal and defiantly not very moral all I wanted was the XXXX dollar late fee waived not to much to ask for their error I think. So know I turn to you to check out fi they can indeed charge a person a late fee on an outstanding late fee amount. Enclosed is a copy of the different letter as well as the last two months statements, of which may does not show a late fee being accesses and XX/XX/XXXX with the assessment of a late fee, very confusing.
XXXX XXXX XXXX is still reporting to XXXX when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to XXXX  showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and XXXX  to small claims for damages!
XXXX XXXX XXXX denied me rental on XX/XX/2018, based upon the background check reported by agency. I have reviewed what was reported upon request to XXXX XXXX out of XXXX Texas. It is incorrect. It states I was charged and convicted of a XXXX and XXXX counts of XXXX. This is incorrect. 
I have sentencing orders showing there are XXXX XXXX ( XXXX for XXXX XXXX and XXXX for extreme XXXX ). I was ordered XXXX XXXX for 18mths, but will be lowered and set aside after completing 9 months. 
I want this corrected asap and can submit documentation to support this.