WillisBack/dataset-financial-user-claim huggingface dataset:
About a week ago I received what I thought was a letter intended for me from Rash-Curtis & Associates. While my son and I share the same name, he is just XXXX and graduated from high school XX/XX/XXXX and therefore does not yet receive business mail. Upon realizing it was a collection letter related to medical treatment my son received when he was between 16-17 years old, I called to discuss the matter only to be told that the letter was not intended for me, but rather my now XXXX year old son, who they insisted, despite my refutations, is XXXX years. He is not. He was born XX/XX/XXXX. Nevertheless, it seems to me that his current age is irrelevant since he was a legal minor when the services were delivered and his mother and I signed all documents and it was my wife 's Insurance that paid the bulk of the bill. In fact, since he was a minor, he did not even have a choice in the matter. His mother and I made all decisions and told him what would occur - like most parents in similar situations. It simply can not be true that he is now personally responsible for the cost of the services. A representative from Rash-Curtis insisted that my son is personally responsible for the medical expenses and threatened to make a negative reporting to my sons not yet established credit file. Rash-Curtis & Associates is calling me on my private business line in my residence every 3-4 hours. When I spoke to them, I explained that the reason they have the number they are using to contact me is because I provided it to the hospital during the document signing process related to my sons medical treatment. They insisted that it is the number my son provided and that my signature on the documents is really my son 's signature which is ridiculous. They insist on speaking with my son and pursuing him for a debt incurred by his mother and I. We are not denying that we owe the debt and we intend to pay it.
I 've inquired t o Navient about income contingent payment programs, to which they quote a payment amount th at is still too much. I 've asked if there is any other lower payment amount options, to which they say, " forbearance '' will suspend payments for up to a year, but accrue interest. I have no other option but this, and am getting nowhere in paying this loan down with my current salary.
XXXX XXXX does not follow up with borrowers about foreclosure, they do not communicate with a law firm when XXXX is assigned to represent the borrower. They do not keep track of received documents nor do they have a dedicated person reviewing those documents for accuracy. A Short sale file was submitted to them on XXXX XXXX. After attempting to fill their document needs they closed the file because we did not get them a complete package in time. All this without communicating what was missing or following up. When calling you are forced to deal with a customer service person that does n't know what is going on with the file. Now these borrowers are going to be foreclosed on because XXXX XXXX does n't know how to work short sales.
Experian has my son 's social on my credit file I have provided Experian now twice a copy of my social security card and the issue is still not fixed. Please help My social is  XXXX  and my son 's is  XXXX  I want his social off of my credit file and anything else belonging to him
Macy 's is charging me a {$2.00} " Minimum Interest Charge '' fee on a XXXX balance credit card account. They charged me the {$2.00} fee on XX/XX/XXXX and when I notified them in writing, the customer service agent advised I had a XXXX balance. Now the account shows as 30 days past due and they charged another {$2.00} fee on XX/XX/XXXX while the balance was still XXXX except for the {$2.00} fee from XX/XX/XXXX. I do not owe this and do not want this to negatively affect my credit rating.
refuses a mortgage because I filed it online claiming " not available for them- so no assistance '' yet company XXXX XXXX in 5 program in XXXX XXXX  area. switched my payment accounts without my authorization by coercion. repeatedly denies me my XXXX income in a reasonable timeframe-income which is verifiable and guaranteed. advertises 2 day early pay- easy home loans ... truth is company is worse than it was before the govt took action. Corporate said this wasnt WF- this was the old WF-apparenly nothing but the same shenanigans bofa has pulled in the past.
I have tried to request my annual credit reports from all three credit reporting agencies. ( XXXX, Experian, & XXXX ). After asking for my general information, and my social security number, date of birth, etc., I was asked XXXX or XXXX questions about my checking account, if a home i currently live in or did live in is in a specific town, if i worked at a certain company, etc. I went through this XXXX ( because it timed out both times ) but the XXXX time I had a problem because I had to look for the deed to my home, to see the exact year it was built, the question was ridiculous. It asked the year it was built, not the approx. year it was built, but the year it was built. I bought the home in XX/XX/XXXX. It was built ( i have since found out ) in XX/XX/XXXX. I knew it was around then, but not exactly that year. The answers to the questions were : XX/XX/XXXX-XX/XX/XXXX or XX/XX/XXXX-XX/XX/XXXX. I mean, if i was guessing, which is what i would have been doing, it could have gone either way XXXX XXXX??? it ends up i can not get my reports on line now. I am very upset about this. The people generating these questions should think a bit before putting them out there. I recently had to answer a question for my bank and it was about a cousin of mine and if he owned land in some state, I havent even seen him in years. It is ridiculous. 

regards
On XX/XX/XXXX I contacted XXXX XXXX in XXXX, FL. regarding an account. I was unaware of this delinquency until I obtained my credit report. Apparently my husband had established this account in my name. 

I asked XXXX XXXX if there was a settlement amount and they replied that there was. I paid the amount with my XXXX Debit card. A few weeks later this account still remained on my report as derogatory. I filed a complaint with TransUnion. It is still there. I contacted XXXX XXXX on approximately XX/XX/XXXX and spoke with their representative. I told them it had been quite a while and this was still showing negative on my report. " It's not 30 days yet, is it? '' I replied that it was paid. " Well, it's not 30 days yet. '' I told him that I wanted it off my credit report by the 30th day, XX/XX/XXXX. " We don't remove derogatory reports ''. 

My question is this : if it is paid to their satisfaction, why do I continue to be penalized with a derogatory mark on my credit report? I am working hard to re establish a good reputation and have paid all debts. I have not worked with a repair company to have them erase negative marks nor have I just let them expire. Shouldn't doing the right thing pay off? 

I appreciate anything that you can do to assist me in this matter. I feel that XXXX XXXX is holding my reputation hostage without cause.
I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
THIS DISPUTE IS FOR FOUR XXXX ACCOUNTS. all of which have the same account number on my credit report.
We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. Ford wrongly accused us of not paying for the last vehicle. We took Ford to XXXX and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where Ford received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with Ford Motor Credit of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but Ford doing this ruins our lives. WE MUST FORD, being held hostage and using XXXX  and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an Executive Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.
I recently requested validation of a debt collections listed on my credit report under the company Financial Data Systems. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Financial Data Systems failed to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ) as well as the company 's TRUE address ( not a PO Box ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. 
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. 
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Financial Data Systems ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.
I just received an Amazon.com Rewards credit card from Chase bank with my name on it without ever applying, authorizing or in any form requesting this account from anyone. 

I called the number in the back of that credit card and asked them to cancel it and they argue that they can only temporarily cancelled. 

I have other account with Chase and also an account with amazon.com so I am suspecting that any of this two companies might have taken my personal information from such accounts to created this new credit card account. This situation seems to me an obvious fraud that a financial institution or a public company take our personal information and create accounts without the customer 's consent.
Equifax, a company which I 've never willingly shared information, has compromised my SSN and other personal info, and hid this for at least a month. This is unacceptable : I now have to spend the rest of my life worried about my life being ruined because of these bags of filth.
Never had a XXXX Account!, Never signed for anything, Have requested that in accordance to the provisions of the Fair Credit Report Act. 611 ( a ) [ 15USC 1681 I ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. 
I have contacted this collection firm, through email and postal mail. 
Have contacted XXXX complaint filed.
I was added to a Capital One Account as an Authorized User without my consent and do not have the credit card information to get this item updated by removal due to inaccuracy. Even after calling Capital One several times, they could not help. They told be to dispute it with the credit bureaus. Item has been disputed since XX/XX/XXXX to no avail. Also, please note that I currently have XXXX credit line with Capital One with {$0.00} balance with no late ( s ) and excellent payment history and still could not get them to resolve this issue. The account was opened XX/XX/XXXX last activity was XX/XX/XXXX, I am not sure when I was added as an authorized user, but the information has been reported to all three bureaus : XXXX, XXXX, and XXXX  and it is inaccurate. I do not have the credit card number.
Caine and weiner a collections company from the roque state of CA. failed to report that the debt was paid in full.
Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from PRA Recovery. He said I owe a debt to XXXX XXXX XXXX in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.
BMW Financial first blocked payment by electronic means on my car loan XXXX XXXX that my son has been using XXXX earlier in 2015. I then sent 3 checks, 2 postdated, by mail to the designated XXXX XXXX XXXX XXXX. After a long duration of no information we received a thank you and acceptance of the payments. However all were attempted by BMW Financial to be cashed at the same time, well before the dates on the 2 postdated checks. They failed to clear. That ultimately led to repossession on XXXX XXXX, 2015 at my son 's place of residence in XXXX -- we are in XXXX. I sent an email to their message center on that date asking what would be needed to re-acquire the vehicle and allow my son to recover his personal items. I heard back on XXXX/XXXX/15 with information that did not answer the XXXX question. I called and was told that a decision would be made and heard the same by email on XXXX/XXXX/15. I emailed again on XXXX/XXXX/15 and again was told a decision would be made. Finally I called on XXXX/XXXX/15 and was told the amount to pay to recover. When I asked how long I had to pay the individual went offline for a bit and when she came back on said -- too late -- their practice was 10 days after recovery vehicle goes to auction so time expired on XXXX. My rights were thus denied by false and misleading information as well as deceptive practices of BMW accepting post dated checks and then attempting to cash them prior to the dates on the checks.
US Department of Education and Mohela both have the same student loans listed on my account # XXXX over 10 times. All for various amounts! I find this to be very deceptive and a violation of the FDCPA as reporting the same loan multiple times going back as over 16 years to keep this on my credit reports is not fair or ethical.
In XXXX of 2015 JP Morgan Chase Bank contacted me saying the servicing of the student loan I held with them will be transferring to XXXX XXXX XXXX ( XXXX ) on XXXX XXXX XXXX. The Final payment to be sent to Chase was the XXXX bill, then starting with the XXXX bill, the payment be sent to XXXX. However, A letter dated XXXX XXXX and XXXX dated XXXX XXXX & XXXX were received from The XXXX XXXX to both myself and my cosigner of the loan stating that JP Morgan Chase Bank provided them the account information for collection activity of a payment. I contacted The XXXX XXXX via their website contact form after receiving the first letter on XXXX XXXX, 2015 stating that it was a mistake and that payments were now being sent to XXXX. I have not gotten a response from them. The XXXX letters dated XXXX XXXX & XXXX addressed to myself and my cosigner from The XXXX XXXX I received today in the mail, XXXX XXXX, 2015. There has not been an attempt from a representative of Chase to contact either myself or my cosigner regarding what the payment was before giving information to a collection agency. As the payment info pdf via XXXX attached shows, though a little late, both XXXX and XXXX 's payments have been received and credited to the account. All supporting documents will be attached. Contact info for The XXXX XXXX is also available on each of the XXXX pdf 's attached since they are not in the database here.
Attempted to initiate an online billing dispute with Citibank Sears Mastercard for a purchase datedXX/XX/XXXX, {$48.00}, merchant XXXX XXXX. Instead, of starting the dispute process, the bank initiated a letter dated XX/XX/XXXX, claiming that they can't process the dispute claiming " services were provided ''. In fact, this was not processed correctly, as I have disputed food purchases in the past with other major banks and the billing dispute was processed. Rather, the individual who processed this dispute was not versed/trained in processing billing disputes adhering to Federal Billing Dispute Guidelines.

Reason for Dispute : Received food delivery of stale/improperly prepared food that could not be consumed, attempted to immediately, rectify matter with merchant by calling and speaking to XXXX, who in turn put me on hold and than disconnected me.

***This is no way to treat a customer since XX/XX/XXXX who has had slim to none in the way of billing disputes***
Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!
Wells Fargo has reported my payment status as between 30-90 days fromXX/XX/XXXX through XX/XX/XXXX. I have had numerous issues with them over billing. I have been paid up a month in advance since XX/XX/XXXX Example -- XX/XX/XXXXwas paid in XX/XX/XXXXXX/XX/XXXX paid byXX/XX/XXXX and so on. I have been paying biweekly since then. The minimum payment due at the first of the month was {$120.00}. I paid them {$65.00} bi-weekly without fail. When I discussed this with them and filed a complaint with CFPB in regards to almost {$500.00} in late fees, they reversed the late fees, but refused to remove the reported late payments from my credit report. This is the only account I hold which shows such poor standing.
Insurance was force placed on account. Proof of coverage was provided to prove auto was covered for the period of time insurance was placed. Insurance was faxed XXXX/XXXX/2017 and verified on XXXX/XXXX/2017 by insurance tracking department that insurance that had been force was canceled and we were due a full refund of the premium in the amount of {$910.00} on XXXX XXXX, 2017 called lender to see if refund had been received. The refund had not been received. Called back on XXXX/XXXX/2017 and spoke with lender and insurance tracking department. Both agreed refund had not been credited to account. Bank issued a maintenance request on XXXX/XXXX/2017 to credit the account for the refund. As of today XX/XX/2017 the refund has still not been issued. Customer service at the bank tells me to call insurance tracking which is a third party and insurance tracking tells me they have done their part and to call customer service. Just today I have held for over 2 hours being told it 's everybody else 's fault and no one will give me an answer. I have requested to speak with supervisor and get put on hold and no one will answer. I have requested the name and telephone number for a supervisor and get put on hold and no one ever gives me any information. I am getting the run around and I am tired of it. This has been going on for over a month and I want a resolution.
During my personal investigation of this American Financial Services being on my XXXX report even after countless efforts to get them to cease reporting the debt, I became aware that they are not allowed to collect debt in the State of Michigan without being licensed. Reporting information to a credit bureau is widely upheld as a collection activity, and as this is being reported to XXXX, I consider this unlicensed and unlawful activity.
I requested a credit investigation on XX/XX/2018. The credit bureaus are supposed to respond within 30 days, but so far I have not received a response from XXXX XXXX or Experian.
I have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

XXXX REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX   REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX EQUIFAX REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX