WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received an advertisement from an attorney 's office notifying me that a lawsuit had been filed against me. I checked the justice court case search and confirmed that Clark County Collection Services was indeed suing me. I met with the attorney who sent the advertisement and he supplied me with the information for the prosecuting attorney, XXXX XXXX with XXXX XXXX XXXX. I called the office, and informed the lady who answered the phone that I had no knowledge of this debt, and that I had every intention of disputing the debt. I also informed them I was never notified of the debt or my rights to dispute whatsoever. The lady told me that the debt was now over {$1800.00} and that it would take longer to get the information to prove the debt than it would take for the lawsuit to proceed. The lady also told me that they don't have anything with a signature as this is a medical debt. I drafted an official dispute letter, but before I could send it on XX/XX/XXXX my roommate 's daughter was served the paperwork for the lawsuit. After reviewing the papers I found out the supposed visit was on XX/XX/XXXX, that it was only the Doctor 's staffing agency, not the hospital that the debt had originated from, the debt amount is just above {$1200.00}, and they are stating that I violated a written contract, but they stated they have nothing with a signature. At no point was any contact made to me regarding this debt by any party. It was stated when I called the lawyer 's office that the number I gave at the ER was not valid, that number was my number for 5 months after the supposed ER visit, and yet I was never reached out to in order to collect. I have also never moved so I am unaware of a reason why I was not mailed any notices. I want to make sure it is abundantly clear that no party, not the creditor, not the collection agency has ever initiated contact with me in regards to the debt, and I called the XXXX XXXX XXXX on XX/XX/XXXX.
On XX/XX/2017 US Bank cut a check out of our escrow account for {$980.00} and can not tell me why or where the check was sent. I have asked multiple times for answers as to why this was done and how and they will not give me a straight answer just that " thye do not know ''? How and why can they no tknow why the money was taken out of our account? This has caused a shortage in our escrow account and as a result they are now increasing our payment.
After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There a re 3   XXXX   XXXX   XXXX  for 3 days in a row that I did not authorize.  The 2 I am  disputing is  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . I 'm not sure why this creditor ran my credit multiple times. The next  is 2 in quiries for  XXXX   XXXX . The oth er 2 is  for  XXXX  and  XXXX  I am not sure who or what these companies are.     On  XXXX  there ar e 2 inquiri es per creditor. I did not authorize  XXXX   XXXX  to run my credit on  XXXX / XXXX /  XXXX   or  XXXX  on  XXXX   XXXX . I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters and not  one of t hem has responded but  XXXX   XXXX  for the  one  inquiry  XXXX / XXXX /  XXXX  .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.
ACS education services is applying all my extra payments towards my loan balance towards the interest of future payments. They are not allowing me to choose which loan disbursement my extra loan principle payments are applied to. I would like to apply the extra principle payment towards the disbursements with the highest interest rates. I do not trust their interest and principle calculations and the amount put towards interest differs every month outside of a normal amortization schedule.
This company has falsely coerce me into the store location when I confront it the manager about the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the bank account information they can not process my application or accepted the manager then did not give me back the application and was very disrespectful and had security escort me out of their place of business that security officer make several demeaning disrespectful comments to me he I feel even put my life in danger by holding his hand on his firearm to the point where the only defense I had was the safety within my car and trying to be escalated argument that continued on with him outside of the store where he was taunting me to try to get me to hit him with my car while he was holding his hand on his XXXX and unstrap the holster this company has had a history of misleading customers by lying to them is for what credit reports were actually being ran or not ran as well as items to bring into the store the fact that this was regarding a place of business that lied and manipulated information to get me to fill out a false application regarding my credit for a title loan is why I'm reporting this matter along with the excessive violence used by the store employee and a customer service by the unprofessional untrained manager
-XX/XX/XXXX an item was ordered by accident from XXXX  costing XXXX dollars. 
-- XX/XX/XXXX I received notice via e-mail that the item was ordered. On that same day I called XXXX and cancelled the order. 
-- XX/XX/XXXX item was delivered when I was at work. On that same day I called my credit card company and told them to hold payment because I cancelled the item and it showed up anyways. 
-- Not sure exact date but early XX/XX/XXXX I shipped item back to XXXX unopened. 
-- XX/XX/XXXX without me knowing XXXX disputed delivery because they did not receive or process return yet. 
-- XX/XX/XXXX XXXX received return. ( I have proof with attachment ) -- XX/XX/XXXX credit card company issued refund back to XXXX based on XX/XX/XXXX information. I was never told of this until I received bill in XX/XX/XXXX. 
-- Beginning of XX/XX/XXXX I received bill from credit card company with the XXXX charge on it. 
-- Early XX/XX/XXXX I have numerous calls with the credit card company and XXXX on this matter. Credit card company tells me they paid XXXX on XX/XX/XXXX and I have to pay XXXX dollars or be charged interest. When I talk to XXXX they tell me they have no record of refund on XX/XX/XXXX ( I have proof with attachment ), but they do agree that the item was returned. I call credit card company back and asked for some kind of confirmation number or proof they sent XXXX the money on XX/XX/XXXX so I can give to XXXX so they can track down the transaction. Credit card company tells me there is no proof they can give me. 

-- So the main thing I am trying to get is proof of the transaction from my credit card to XXXX on XX/XX/XXXX in the amount of XXXX so XXXX can possible track this transaction down and I can get a refund that I deserve. 

-- The credit card company is bank of America. 

-- I would greatly appreciate any help you can give me on this matter.
I took out a loan from Cash Call 2 years ago and they have attempted to collect the debt through very unprofessional tactics. They would call my place of employment and my relatives threatening them. They recently sold my debt to a company called XXXX XXXX XXXX and this company has used the same scare tactics to get me to pay when I have informed them that I am not financially able to afford the payments they have laid out for me. They have threatjyed to take me to court. This has caused a lot of mental and physical stress for everyone around me. My relatives are being harassed constantly.
THIS COLLECTION AGENCY CONTINUES TO SEND LETTERS FOR A DEBT I DO NOT OWE
I googled " Free credit report '' and link to Experian showed up. When requesting a credit report supposed to be " free '', they signed me up for monthly monitoring for {$21.00} without my realizing it. My FICO score is excellent and I am not in the market for any loans. I found out about this charge from my credit card statement. When contacted, they refused to refund the fee. When googled, this is XXXX of the top XXXX complaints against Experian as many other people have had the same unfortunate experience.
For case number XXXX, after receiving a letter from XXXX XXXX XXXX threatening to sue me over this debt, I called them and informed them that this debt had been paid in settlement to a prior collections agency in 2008 and that I was in the process of attempting to collect documents from my previous bank to show that this debt had been paid. I also requested that they mail me documents verifying the payment history on the debt. I was told that it was my job to prove that I Did n't owe the money, which I did not know at the time was invalid and in violation of the Fair Debt Collections act. I did not hear back from them again until I was served documents to appear at court. 

A default judgment was rendered for the plaintiff due to my presumed absence from the court. I was in fact in court on the scheduled date and time ; however, I am a single mother of an XXXX child with no family or community support. On the date in question, I was unable to arrange childcare during the proceedings and had to bring my son with me. We were present IN the court room during the initial minutes of the docket but were asked to wait outside because my son began having a tantrum. I took him outside to calm him down and on attempting to return one of the bailiffs instructed me to stay in the hallway because children were not allowed in the court room. The bailiff took my name and told me he would call me when it was time for my case. The lawyer for the plaintiff was in the courtroom when I was asked to leave and was therefore aware of my presence. Subsequently during the attorney left the court room ( presumably for a brief recess or bathroom break ). When I saw him exit, I stopped him and asked if my name had been called, referring to myself by name. I was told " No, the bailiff will come and get you. Be patient. '' The Attorney then returned to the court room. An hour or so later, after seeing people filing out of the courtroom I returned with my son to inquire if it was my turn yet only to be informed that the docket was closed, and that the Judge had left. I could not locate the bailiff that told me he would contact me and one of the court clerks informed me that XXXX XXXX XXXX received a default judgment. Outside I was consoled by some lawyers who urged me to write a letter to the court explaining what happened to get a new trial and ask for a reprieve. I did as instructed but never received a response back from the court. Possibly because I ended up homeless just a few months later. 


I feel the attorney withheld information about my presence solely to collect a default judgement from the courts because he knew that the debt was invalid based on my calls to the company requesting them to verify the validity of the debt after informing them It had been paid to a previous collection agency. XXXX XXXX XXXX knew the debt was invalid and that their actions were unenforceable and that I could at the time provide documentation verifying the debt had been paid, so I feel the actions of XXXX XXXX XXXX again were a result of intentional attempts to get a default judgement from the court by denying me my right to be present to defend myself.
Residential Credit Solutions continues to wreck my credit and has re-aged the debt on my previous XXXX/XXXX home loan. Unfortunately, I was a victim of XXXX scams and lost my house because of it. The Date of Last Payment on the mortgage listed by RCS is purposely incorrect. Despite numerous attempts to correct the record with RCS directly, and through the Credit Reporting Agencies, RCS continues to verify the debt and has re-aged this debt, even after the original creditor removed it, so that it remains on my credit report. The XXXX XXXX XXXX debt which RCS ' entry is based upon was itself deleted from my credit report. You can clearly see based upon the XXXX entry that the Date of Last Payment was XXXX XXXX, and that my Date of First Delinquency was XXXX XXXX, according to XXXX XXXX XXXX 's own credit reporting. For this reason, the XXXX entry was required by law to be deleted from my report. RCS continues to purposely and falsely report the XXXX as XXXX, in an effort to re-age and continue to collect on this debt. Their behavior amounts to a rank violation of provisions of both the FCRA and FCDPA. I suspect there are thousands out there like me, who continue to suffer economic damage from this company 's unscrupulous practices. I have provided a copy of my dispute letter to RCS dated XXXX XXXX, XXXX, a copy of the deletion of the original XXXX entry on my consumer credit report showing the actual DOLA, and my most recent CRA dispute showing that RCS continues to verify this debt, in violation of the law.
A company I represented as XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has been administratively disolved. 

XXXX XXXX - RAB, Inc. - P : ( XXXX ) XXXX - F : ( XXXX ) XXXX - is attempting to collect a debt XXXX had with a company, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has made several threatening phone calls and emails, although I had already informed him that XXXX has been disolved. 

On Tuesday, XXXX XXXX I answered another threatening phone call from him where he was very pressuring and abusive. I ended the harassing call when he started using profanity. Specifically, " XXXX this, you 're getting XXXX. '' That is when I hung up. 

I simply want the harassing emails and phone calls to stop. The fact is, I had no personal business with XXXX. The company that did, XXXX, is no longer in existence. 

Sincerely, XXXX XXXX
I have sent letter after letter and filed dispute after dispute on a few items on my report to Equifax. Every incident they are reporting that the dispute remains because it was verified by data furnishers. I have sent letters to request proof of their verification process and to send me a copy of the proof bearing my signature that the account belongs to me that these data furnishers have provided to them that makes them refuse to correct the disputed error. They always send a computer generated last page of the report about how they receive their information from data furnishers
I have already filed a complaint with is company to no avail. Ditech complaint # XXXX. I have spoken to numerous persons with the company many supervisors. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX they have all tried to contact and emailed XXXX XXXX whom I received a letter from ( should be on file ). They statements made in the letter were never followed through with. According to the persons I have listed and spoken with I still have an outstanding balance of {$4300.00} and to date am 168 days overdue. 
XXXX XXXX has never contacted me or taken care of the OVERPAYMENT that was made by me when the loan was paid off. 
I understand from the letter that he has forgiven the moneys owed, however I NEVER OWED ANY MONEY. Ditech owes me money. I have been told by the title company and my C.P.A that I overpaid close to {$2400.00}. 
I have been trying to get this settled for close to 3 weeks. In the letter he states it will be settled within 1-2 weeks. Well I am going on 3 weeks and nothing has been settled. 
I have been very patient and trying to avoid paying an attorney to take care of this matter ( I have already retained one ). I will give Ditech 10 days to take care of this matter, and return my overpayment. I will then persue my only other option. 
This has been this worst morgage company I have ever delt with and will continue to persue. They are wrong in this matter and SHOULD be reported as I am doing, for all there illegal doings. 
Thank you, XXXX XXXX
I wrote a letter to Capital One on XXXX XXXX, XXXX, explaining that they were reporting GOOD information for a Capital One/ Sony account circa XX/XX/XXXX on my XXXX and XXXX credit files. This information is not showing up on my XXXX credit file. I REQUESTED THAT THEY ADD THIS INFORMATION TO MY XXXX CREDIT FILE. NOT REMOVE! 
What happened next : I received a letter from Capital One dated XXXX XXXX, XXXX. The letter was a generic statement letter ... " We agree that there is incorrect information on your credit report, so we asked the credit bureaus to remove this account from your credit report. '' Accounts in good standing remain on credit files for 10 years or indefinitely. This account was never delinquent. This is WHY I was requesting this information be added to my XXXX report ... it is already on XXXX and XXXX. 
I understand if Capital One does not want to report this information on XXXX, but by removing this information from XXXX AND XXXX will cause my CREDIT SCORE TO DROP. This will affect my scores by way of the credit mix ( i.e. types of loans mortgage, equity & installment ) and length of credit history.
Dear Sir/Madame : My original mortgage loan with XXXX XXXX XXXX was transferred to a mortgage servicing company called XXXX. 

In 2017, my wife lost her job. At that time, I had made contact with XXXX XXXX XXXX to find out that they sold my mortgage and is now managed by XXXX. Eventually, I was able to make reach an individual with XXXX  and explained my family 's situation. At that time, the only help or abbreviation extended to me was a loan modification/refinance. And because I did not want to have any negative effect on my account, and for my family 's benefit, I accepted the offer and its terms. 

At the initial stages of this process, I had asked if it would have any negative effect on my account and credit, etc. I was told it would not. The loan modification/refinance took many months, and much longer than I would have imagined. However, it did get done and my mortgage payment was a bit smaller. It wasn't anything tremendous but it was helpful nonetheless. 

After it was all said and done, I checked my credit scores as I needed to get financing for my daughter 's college/student loan. Unfortunately, I found that this " process '' had a grave negative effect on my credit. Immediately, I contacted XXXX to question the scenario. To date, I have yet to receive much cooperation. I explained to them that at most, there might be a 30-day late pay but that it was actually their fault because they initiated an auto withdrawal from my bank account without my permission or knowledge. The transaction was not approved because I did not initiate it. And what did XXXX do? They marked the payment as a late pay. Please know that the payment was eventually made per my action/approval. However, it was very frustrating as XXXX had upside-downed my bank account and I had to wait for that to be corrected before I could take care of the payment. And, I was charged fees from my bank and XXXX. 

I would really appreciate some help with this correction as I am desperate to help my daughter with her college tuition. These stains with the three credit bureaus is absolutely having a negative impact for not just me but my entire family. 

Please feel free to call me with any questions, etc. 

Thank you very much for your time and assistance! 

Kind Regards, XXXX XXXX XXXX
I HAVE A COMPAN THAT KEEPS CALLING ME ABOUT A DEBT THAT IS NOT MINE. THEY HAVE THE WRONG NAME BUT KEEP CALLING ME AFTER ME ASKING MULTIPLE TIMES TO STOP. THEY ARE LOOKING FOR A XXXX XXXX. THAT IS NOT ME.
National Credit Service is a collection agency who do n't want with consumers who use bad languages to customers do n't want customers to take care of there collection. They way they talk to customers is a shame .They have a lots complaints with the XXXX have they have n't solve because all this company want to do is keep an collection on your credit for 7 years because they know that can do that and customer need them delete that collection off of there credit report they do nothing to help settled the debt or make arrangements to customers. I 'mean affaid to call this company back to discuss my debt with them because of there representative abusive mouth and management who also do the same thing.
For the last 5 years Syndicated Office Systems and Central Financial Control has been putting duplicate debts on my credit report. I have attempted to dispute but was given the run around. These two companies have a total of {$19000.00} on my credit reports when they have only verified XXXX account for {$2300.00}. I have paid a few grand about {$3000.00} over the last few years only for them to never update my report or lessen the amounts. I am aware of a lawsuit against them and want these removed. They have ruined my life making credit hard to obtain because of the false information they have reported. I have attached my credit report that shows the same amounts being reported by the same company under differnt names. This has been a nightmare and they have been absolutely no help.
The end of XX/XX/XXXXI called Wells Fargo Customer service to inquire about how to payoff my cash advances that were made on XX/XX/XXXX and XX/XX/XXXX. The rep told me as long as I paid by my due date which is on the 9th of the month the total cash amount plus my min pay that it would be paid off. Obviously this did not happen. I paid a total of {$3100.00} and it posted on my account on XX/XX/XXXX.

I received my statement around the XX/XX/XXXX and I realized that I had an interest charge for cash advances of {$25.00} on my account then i saw that my available cash for an advance was not showing all was available. It was showing i still owed approx {$1100.00} towards my cash advance. I called Wells Fargo on the XX/XX/XXXX and was told that they would request for {$3000.00} to be refunded back to my checking account they will keep. {$15.00} for the minimum payment so I would n't be charged a late fee. That request was denied with no reason why. I called back XX/XX/XXXX and a supervisor resubmitted again to get the refund and put in for the cash advance interest charge to be removed. I check my account 2 days later and the refund for the interest was put back but still no refund of {$3000.00}. The whole reason for the refund is so I can pay the {$3000.00} and for all of it to go towards the cash advance. Still no resolution on if and when I will get my money back. Then today XX/XX/XXXX I was informed that no matter what that according to the terms and conditions that any extra money over my minimum payment first was applied to the outstanding balance which was purchase at a 12 % interest which was {$1000.00} approx and after that balance was paid the rest went towards the cash advance. I do  not see how this is leg at based on the credit card act of 2009.
My Experian credit summary on their website shows 1 late payment of 90+. When you click through to find what account the late payment is on, it shows NO negative accounts.
My credit report shows no negative accounts. It is ONLY on their website summary page. It has dropped my credit score by XXXX points. The other agencies, XXXX and XXXX, have my credit score in the XXXX 's with no negative accounts. I have never had a late payment in my life.
This is an Experian system problem!!! I have called them several times and they kept passing me from the membership department to the dispute department. There is no account to dispute because there are no late payments.
This last time I called after being told there was nothing they could do, I said I wanted to escalate the issue and was then transferred to a voice mail system.