WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) came to my grandparents ' home saying that I had been sued and that they were trying to serve me. They did not provide any validation notices, etc. They are using deceptive practices and probably engaged in the unauthorized practice of law. Called their offices. They said that this involves Kay Jewelers. I can not believe that Kay Jewelers would use a place that uses these tactics. When told that we would pursue an FDCPA suit, XXXX XXXX at the law firm said sarcastically " Good Luck. '' When asked to leave a message for the identified lawyer, XXXX XXXX, XXXX XXXX said that he probably would n't call back. XXXX XXXX of the same firm said he did n't know who XXXX XXXX was and would not connect me to a supervisor and XXXX said that there were no supervising attorneys to connect me to. It looks from this website that others have had similar experiences with these people. They claimed there was a XXXX XXXX XXXX lawsuit filed against me, but my lawyer has checked the dockets and none have been filed. These people and their tactics should be stopped.
Today XXXX/XXXX/2018 at XXXX i was contacted by an individual who was asking for me. When questioned as to who they were and the company they represented, I was left with no answer, just asking if i was the person they were looking for. I stated that they are not to call back because I do not owe anyone any money. The individual said " thats ok we will just call back another time '' and hung up. 
When I attempted to call the number back on the caller ID " Portfolio Recovery '' the system message was that the number I had dialed was no longer in service. 

I have noted at least 2 major violations of the FDCPA just in that one phone call.
XXXX, XXXX XXXX XXXX Is garnishing my wages without notifying me first and without filing the judgment ( if it is accurate-still do n't know if it is ) in the state of XXXX where I reside, per XXXX law. 
The establishment is also in possession of {$100.00} erroneously withheld from my pay on XX/XX/XXXX. My pay was under the federal poverty level guidelines. It is my understanding that XXXX ( payroll processor ) has made several attempts to retrieve the funds and the establishment has not responded
Sent them a validation of debt letter asking for original contracts with signatures and they have not complied yet. They took XXXX item off but not the other and I do n't see what the difference is because they could not validate either account. They also have a status of 'pending cancellation ' for their XXXX XXXX
Because I had had to close my accounts, Peoples wo n't help further : My husband and I had opened a joint checking account where he banks, People 's United Bank, when we got married. I opened a personal checking account and a savings account at People 's United Bank at the same time. ( My husband 's personal financial accounts remain active and are not part of this problem. ) I was out of work from XXXX of XX/XX/XXXXthrough XXXX of XXXX, and used up the " buffer, '' our wedding money, to make the mortgage where unemployment left off. I was hired in XXXX of XXXX, and out of work again in XXXX of XXXX. My unemployment compensation, what little it was, was directly deposited to my own account. The balance was very low because I not had time to rebuild the buffer ; but I had the direct deposit. I managed to keep a decent balance in the joint account to pay the mortgage. Last winter, I could n't balance my checkbook. I went nuts. I 'd bounced checks and could n't afford the fees.I use XXXX, the same spreadsheet layout I 've used for over ten years, and could not find my error. This has never happened to me. I was mortified. With assistance, I managed to pay the fees and keep checks from bouncing until XXXX, when my unemployment ran out. I 'd never been able to catch up from the winter error ; and bills that were falling behind fell further since I 'd lost money paying the fees ... I deposited what I could get, but did n't realize that there was an added charge : $ XXXX  monthly fees since I did n't have direct deposit. I bounced more checks. XX/XX/XXXX : I 'm not sure which account was overdrawn at the end. I closed one, and closed the other to pay the fees on the first ( with {$50.00} or so that I borrowed ). A little more than a week later, I got a call : the bank had made an error, and had a check for me to pick up. On XX/XX/XXXX, I picked up two checks totaling {$1100.00} or so. The missing money from last winter. I got to the bank a day or two later. The same morning, I 'd had to ask my husband for XXXX XXXX for the charity box at religious services. I cried when the bank manager handed me the check that evening. He walked over with me to  cash it. I closed out my savings account at that time. When I 'd calmed down, it occurred to me to ask about the bounced check fees. I have no idea how many there were. The manager said that they could not be refunded because I do n't have an account with them. WHAT? Their error was the reason I 'd had to close the accounts. I do n't know if it 's bank policy. I also do n't know if it 's legal ; I had an account when the problem occurred, after all. I was unable to move further with the manager. I remain ashamed that I needed to cash my husband 's and my joint account, ashamed to the point that I 've waited since mid-XXXX to write because I simply could not. Anything you can advise will be appreciated. Cordially, / s /
MERCH & PROF C B, XXXX, Tx. has submitted maliciously false information to the XXXX Credit Reporting Agency about my account with XXXX XXXX XXXX of XXXX, Tx.. Stating that I have debts opened in XXXX of XXXX and XXXX of XXXX. I left Texas in XXXX of XXXX, I have not been back. I notified XXXX XXXX of this situation Via Email on XXXX XXXX, XXXX, with no response!
The mortgage company is constantly raising the mortgage payment, sometimes without notice, sending back the mortgage payment - sometimes because it is n't received for the month due ( will be for month of XXXX and will receive on XXXX XXXX ) - and sometimes because it was n't full amount ( would have raised the monthly payment with no notice so was sending in last KNOWN payment amount ), and adding payment rules and regulations with no written statement or letter of notification.
I made an agreement to pay a debt, to Ad Astra, with an initial balance of {$850.00}. Now the collection company say the initial balance was XXXX. I have made XXXX payments since XXXX 2016, each receipt was miss posted at the original company, XXXX. After each payment posted I called Ad Astra, they said the payments posted correctly on their end. All was fine until XXXX XXXX, 2016. That is when they told me my initial balance was {$1200.00} and they did not want to send the recorded call of when the agreement was made. I have emails from XXXX showing the initial balance.
I HAD RECEIVED A VISA CREDIT CARD # XXXX FROM CAPITAL ONE AND ABOUT XX/XX/2016 THEY PLACED RESTRICTION ON MY ACCOUNT & NOT ALLOWED ME TO USE THE BENEFITS THE CARD GOT TO OFFER UNDER CASE # XXXX. I HAD SUBMITTED ALL DOCUMENTATIONS FOR PROOF OF MAILING & PHYSICAL ADDRESS AND THEY INSISTING ON THREE WAY CALLS WITH MY FINANCIAL INSTITUTION TO INQUIRED PRIVATE BANKING INFORMATION ABOUT THE ACCOUNT WHERE THE PAYMENT ARE MADE ELECTRONICALLY. THEY ARE VIOLATING ALL MY FEDERAL PROTECTION RIGHTS IN REGARDS BANKING. I NEED TO HAVE MY ACCOUNT RE-ACTIVATED IMMEDIATELY PLUS ALL REMEDIES ARE AVAILABLE FOR ALL THE E-MAIL & PHONE CALLS.
EQUIFAX, XXXX XXXX XXXX Ga, because Equifax won't remove the hard inquiries, XXXX XXXX and XXXX  will not either. 

After cleaning up my credit in order to purchase a home, Equifax place a freez on a credit line costin me points needed to qualify for down payment assisantance, then placed a massive amount of Inaccurate Hard Inquiries, During a period of rate shopping for a home in XX/XX/ inquiries where made on my credit report. Some inquiries where duplicate inquiries. I later found that this was being reflected on my credit report. 
This is the 2nd time I have contacted all three credit reporting agencies requesting the removal of Hard Inquiries from my credit report. As a result of a failure to comply with the requirements of the FCRA, I have suffered, and continues to suffer, actual damages, including economic loss, denial of credit, lost opportunity to receive credit, damage to reputation, invasion of privacy, degraded social standing, and emotional distress XXXX XXXX XXXX XXXX NOT AUTHORIESED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX DUPLICATE INQURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX REQUESTED REMOVAL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX MULTIPLE INQUIRES XXXX/XXXX XXXX XXXX REMOVE INQURY XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX  XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX XXXX CA, XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. I have worked very hard in cleaning up my credit and have suffered the cost of losing bond money as a 1st time home buyer and still suffer of having to pay a higher interest rate due to hard inquiries. There are also Zombie accounts that keep being placed on my credit report.
I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX Mortgage. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( Trans Union, XXXX, and XXXX ). 
The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
If I have misinterpreted this statue, please advise.
I rented a car from XXXX on XX/XX/2018. On Friday XX/XX/XXXX I called XXXX Local Branch XXXX and verbally told them not to authorize payment on card XXXX. On XX/XX/2018 I cancelled the debit card ending with XXXX. On XX/XX/2018 There was a forced debit. over 1200 of unexplained charges. 

XXXX had verbal authorization not to use my bank account. Called Car Return and Notified Manager. Forced hard debit over 1200 on my closed debit card. That transaction was not authorized.
I had an open mortgage loan with XXXX XXXX XXXX XXXX Acct # XXXX reporting date XX/XX/XXXX and an open date XX/XX/XXXX. Bayview Loan Servicing is reporting that I had a loan with them open date XX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States? 

I never had a mortgage with BAYVIEW LOAN SERVICING at no time in my entire life. I have enclosed my supporting documents to affirm the claim that Bayview Loan Servicing repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. Bayview Loan Servicing is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ). 

I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit Bayview Loan Servicing account should be removed from my XXXX credit report. 

I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.
I had fraudulent information that was disputed on  my Amex Serve card and they refused to refund me back my money last year along with refusing me to  continue being an American Express Serve card member which is a prepaid debit card which is ridiculous considering I was a victim of identity theft
Please correct wrong report from Sallie Mae and SLM. I have requested MANY times!
My complaint it against Equifax credit bureau. First, I am not disputing if the debt is mine or not, or if the credit reporting information is correct or not. I understand and acknowledge that the is my debt. I am filing a complaint because according to the new credit reporting rules, once a medical debt has been satisfied, it is to be promptly removed one 's credit history. I paid the medical debt last year and I am asking for it to be removed. XXXX was helpful and removed it with no problem, now I am asking Equifax to remove it. Below are multiple news links that ran articles about the new credit reporting rules. 

Here are the links from reputable news organizations detailing what the new credit reporting rules are : XXXX : XXXX : XXXX : XXXX
I knew my Dentist personally, and he would do free work for me sometimes. After he died, the other dentist put me in collections for the stuff i was told not to worry about. I called the office they worked at today XXXX/XXXX/16, and all my files showed i owe nothing. All this free work was 10 years ago in my low XXXX. I dont feel like any of this is on me. I went to the dentist expecting to pay everytime. And this has my credit messed up and i need this taken care of asap. 

Thanks
received email from my Capital one XXXX on XX/XX/XXXX said I have request change mailing address, I called XXXX customer service on XX/XX/XXXX and told I have not make any request for change mail address!! and told her DO NOT change my mail address!! I was traveled between XX/XX/XXXX to XX/XX/XXXX, after I came back home and saw few emailed from XXXX on XX/XX/XXXX said Capital one said new card issue to me and XX/XX/XXXX said Capital said I have change email address!! so I called and told to customer service 1. I and not received the new card. 2. I have not request to change my email address, and customer service from Capital One said I have lots charge from XX/XX/XXXX to XX/XX/XXXX from the new card end # XXXX total amount {$390.00} ( 30 different charge ), I was asked Capital One I need put those charger for dispute, because I never received this card and never authorized charges. I think I'm victim of identity theft.
Unfortunately this is my second complaint against the collection company XXXX. Today XXXX2017 XXXX from XXXX called my brother, my father, and myself regarding an account that was transferred from XXXX, to XXXX XXXX, and now XXXX. I previously spoke with XXXX and told her not to contact my family members however she continues to do so and has also discussed the details of my account. XXXX from XXXX ( phone # XXXX XXXX XXXX ) also sent a series of text messages to myself and my father from phone number XXXX seeking information. Please note neither my father or my brother are on my XXXX XXXX account and prior to it going to collections I had almost paid off the total balance but fell on hard times ( I had XXXX dollars remaining from a XXXX dollar loan ). I feel as if I am being harassed by XXXX at XXXX, she previously threatened to put me in jail for fraud and continues to contact and harass my family members please help this is getting out of control.
I wrote to this company XX/XX/XXXX, and I received a response back XX/XX/XXXX. However they are requesting more information when other companies search in their system with less. I provided my name and address which should of been more than enough information to search any information of me in their system. Im not comfortable giving any more information out because I dont remember the credit inquiry.
This number has called me a total of 16 times ranging from XX/XX/2018 to today ( XX/XX/2018 ) and will not stop. I only picked up once to confirm it wasn't someone I knew and I haven't picked up since. They claim I am someone I am not and that I owe them $ 200+ dollars. None of this is true. I attempted to block their number but I still received notifications saying " blocked call '' and it fills up my call log. I tried to fix the issue with the " company '' but they never accept calls. It also seems that they call around the same time everyday, twice, but I can not accept those calls as I am in school. Looking at my call log, I am realizing that they call at the exact same time every day at XXXX, XXXX, or XXXX XXXX. Please help me in stopping these calls.
The number XXXX is owned by J C Penney. The call more than XXXX times a day. XXXX/XXXX/15 @ XXXX. XXXX/XXXX/15 @ XXXX, XXXX XXXX, XXXX, XXXX,. XXXX/XXXX/15 @ XXXX, XXXX, XXXX XXXX. XXXX/XXXX/15 @ XXXX, XXXX, XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX, XXXX @ XXXX, XXXX, XXXX/XXXX/15 @ XXXX XXXX, XXXX, XXXX/XXXX/15 @ XXXX, and I am sure that they will call again tonight. This is clearly harassment and we have asked them to stop calling us and they say that they ca n't stop calling. My husband has started a XXXX shift job and this is disruptive to the entire household.
I have tried to negotiate with the lender XXXX XXXX to modify our loan to get back to date. We have been applying for six years and the bank continues to deny my loan modification. The lender informed me that they will not even take my income into consideration. I am trying to take responsibility for my loan and the lender refuses to help me do so. Please help me since my daughter is XXXX ill and delicate and we can not loose our home for her.
Had student loan and was in good standing and was just checking my credit and noticed it was past due no notifications or nothing and they sold the debt without my knowledge and also place XXXX bad debts on my credit. Company does keep good records because I 've tried calling no luck. Please help me it 's messing my life up. Can get approve for nothing do n't know who has the loans just know it 's been sold without my permission.
XXXX Is reporting that my account is open and has a balance of {$24000.00}. This was discharged on XXXX XXXX, 2015 on my Chapter # XXXX Bankruptcy. It should be changed to account closed with XXXX Balance.
I received a form XXXX XXXX identified as credit card debt. The dollar amount listed on the form as amount of debt discharged is {$1900.00}. The date of discharge is listed as XX/XX/XXXX. 
However, my last payment on this credit card was XX/XX/XXXX ( per my XXXX credit report ), and I have always lived in California. 
I called the issuer of the XXXX ( Discover Bank ) and requested that the XXXX be corrected ( deleted ). I called Discover Bank today ( XXXX ) at XXXX PST. The phone number that I called was XXXX. I asked for the telephone representatives name twice to be sure of it, and she confirmed that her name was XXXX. After I provided my personal information, XXXX  said that Discover Bank would not correct/delete the XXXX because, although my last payment was made in XXXX, Discover Bank used a 7 year statute of limitations calculation before discharging the debt through the form XXXX. 
I explained to XXXX  that I live in California, which currently has a 4 year statute of limitation to collect on credit card debt. However, XXXX still refused to correct/delete the XXXX because she said that I still owed Discover Card the money in XXXX, before the XXXX was issued. 
Since Discover Card is refusing to correct/delete the XXXX that was issued to me ( and the IRS ), I am asking that you please contact them on my behalf to force them to correct/delete the XXXX so that it is no longer being wrongly reported as XXXX canceled debt income on my ( IRS ) income tax records.
I have an automobile loan and they took an extra unauthorized payment on XXXX XXXX XXXX when I made a monthly payment on XXXX XXXX. They insist they did not take an extra unauthorized payment. When I paid the monthly loan amount on XXXX XXXX XXXX I was told and my account reflected " payment current ''. 

By taking the extra amount of {$450.00} I can not pay my other bills.
I do n't know what else to do with Equifax. I disputed XXXX XXXX on my report and the company agreed that I had paid the account and it was closed, as can be seen by the {$0.00} balance and statement. Equifax did not properly update this and is still showing it as XXXX days past due. I complained to the CFPB and received a response saying that it had been looked into and to call Equifax for results. I called for results and the man, XXXX XXXX, that I spoke with told me that they never received a CFPB complaint and that the CFPB was lying if they said that Equifax responded because they did not. He also told me that I was not allowed to dispute XXXX XXXX anymore and just had to accept that it was wrong. This is completely outrageous that they would be allowed to circumvent and lie to a government agency, the CFPB, and knowingly leave mistakes on a person 's credit report. I am outraged.
The company keeps calling my work, despite me sending email correspondence at their website asking them to stop calling me at my work.
I am having an issue with being able to access till my banking information to release it to a third party they are not releasing my information
After the Equifax data breach the company offered protective services via TrusdtedID. I 've contacted both companies to have the Equifax-sponsored services by TrustedID stopped, to no avail. Please have them remove my information from their files and disenroll me from all of TrustedID services.
For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX
Citi Card received a payment of XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received numerous robo-calls about my payment- they did n't know how to process it. 
On XX/XX/XXXX I received an email with basically the same statement - they did n't know how to process the XXXX. 
On the dates of XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX, XXXX and XXXX explaining the above. They gave me an address to mail the supporting documentation ( bank statement, and email stated above ) I mailed it on XX/XX/XXXX AND on XX/XX/XXXX - per XXXX I sent another payment of XXXX. 
On XX/XX/XXXX called again and spoke with 'XXXX ' (? ) and 'XXXX ' - basically they knew nothing and said I had to sent another cc of the bank statement, which I will do - but YOU need to know this smells deceitful to me. 
TWO payments and they have NO record? They do n't advise me about their investigation - I have to call them?! 
BTW, the number I 've called to reach the above people is : XXXX - they have not provided any answers, any help, they do n't know the CFPB ; they ca n't make any assurances about reporting THEIR mistakes on my credit reports and quite honestly this is MOST disturbing and frightening. 
PLEASE help me!