WillisBack/dataset-financial-user-claim huggingface dataset:
Previously contacted company and the credit bureaus to remove negative information. Jefferson Capital ( debt buyer/third party collection agency ) was unable to validate this debt for {$950.00} to the credit bureaus or to me personally because it does not belong to me. They continuously harass me, reporting this negative information, and deliberately destroying my credit information. XXXX  previously filed an investigation and due to no proof ; they deleted it from my credit file. However. I just found out today ( XXXX XXXX,2017 ) that this debt buyer ( original creditor -XXXX XXXX ) once again reported this alleged debt with XXXX and is being reported again. This is a direct violation of FCRA and FDCPA.
On XX/XX/2018 I filed a complaint with Owen Loan Servicing ( my Mortgage holder ) because I noticed on my credit report that they were not reporting to XXXX or XXXX, only to XXXX. Since I have an account with XXXX to monitor my credit for fraud, it was easy to get a report. I pulled my credit because I was refused, many times, for simply credit, like XXXX XXXX, XXXX XXXX, XXXX XXXX and even a business loan through XXXX XXXX  due to no credit history. Since XX/XX/2018 I have filed many more complaints. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again in XX/XX/2018. To date, Owen insists they are reporting to all four credit bureaus and even sent me a confirmation number that none of the agencies can do anything with. I have confirmed with the XXXX & XXXX that Ocwen is still not report. This problem is affecting my life!!! Most companies check the credit bureaus other than XXXX and that is the only credit bureau that has any evidence that I have had a home loan for 16 years ... at the rate of {$4900.00} per month ... always on time. My credit score is XXXX but I can't get a credit card. PLEASE HELP!!!!
On XX/XX/18 I received 1 call at work and 7 calls to my cell phone. No messages left. I answered at XXXX XXXX and told them to stop calling me and my work. They proceeded to call at XXXX, XXXX, XXXX, XXXX and XXXX. Today, XX/XX/18 they have already called 5 times. It's only XXXX XXXX MST. I called it back and it is Conn 's credit. My payment failed 5 days ago. I made a payment today. They call from different phone numbers and never leave a message. They don't state who they are from when you answer. Immediately start talking to you. I interrupted the man who answered at XXXX yesterday and told him to stop calling. They did call on XX/XX/18 as well but only twice. 16 calls in less than 48 hours is excessive. Plus I get emails and text messages.
Equifax was recently hacked and criminals obtained sensitive information about my person, potentially including my name and past addresses, as well as my social security number. I had to find out about it through an online forum thread rather than any direct contact from the company. Equifaxes own website confirmed that I was most likely affected by this breach of cybersecurity.
I had an account with Wells Fargo. My card was being used online I filed complaints and kept explaining to them that it was the card being used. Instead of canceling and stopping all charges from card they left it open so all I could do was file complaints till they decided they didnt want me to keep their account open they closed it down and said they wanted no business with me when I explained before that my card account info was being used by someone else
I have reached out to TransUnion on multiple dates to dispute inquiries that I did not authorize. 

Inquiries which I have no knowledge of and did not authorize are as follows : XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX   XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX
I have been getting calls everyday twice a day ( both home and cell ) from both places I have student loans from. XXXX XXXX and Navient are constantly calling whether a payment is scheduled or not. XXXX XXXX will not work with other payment arrangements either.
My friend of 21 years passed XXXX/XXXX/15. I sent all creditors a copy of her death certificate and a letter explaining there was no estate nor spouse. I have continued to receive letters from XXXX XXXX. They have now referred the account to collections and have taken my address off the death certificate to send bills to my friend. I am sure if you have to bury one of your friends you do not want a creditor to take your address off the death certificate and continually send collection notices. I even have written on the envelop of the XXXX bill DECEASED. but they are relentless. please help me!
I have a collection listed on my credit report from Enhanced Recovery Company ( ERC ). I have not received information on this debt prior to it being listed as derogatory on my credit report ( s ). I attempted to contact the company via certified mail XXXX/XXXX/2017 to validate/dispute this account. Return receipt shows that my letter was received by the company. I asked the company to reply within thirty days. It has been more than four months and I have yet to receive a response. This debt should not be listed on my credit report or attributed to me in any way. Thank you.
I have Had an business account with Bank of America for just about and year now. 
XX/XX/2016 around XX/XX/XXXX - XX/XX/XXXX My account was a target of Fraud. 
With that being said, they did follow threw with making the claim.But, On the date of XXXX/XXXX/2016 Bank of America did and unauthorized with draw from My account in the amount of $ -XXXX as well as $ -XXXX. 
for a total of XXXX. Dur-ring this time I was in the process of moving my funds to another bank because this was the 2nd time this has happen to my account. Bank of America could n't provide reason as to why this happened to my account. On top of all of this slapped me with an XXXX overdraft fee and the rest of the amount that was over drawn from the account. as you take a look at the amount you may see it had and small amount but it my small amount and it was taken from me with out an lettered statement telling me the process date the amount and a reason why. I had to wake up and text message an Email tell me my account has been overdrawn. Bank of America rep stated to me after ( we dont have to sent statement out to you it our account, ( " Yea, But its My money!! '' ) An I would like it all place back on my account. I would consider it stolen as we speak. ( NONE, of Bank of America starter account paper work stated " we dont have to sent statement out to you if we take money out your account. ) I only speak/s of and overdraft fee. with this in mind, I would like the rest of the funds, that was taken out My account sent to me in a check. Its Only right!
I paid this loan on XX/XX/XXXX. The company updated my reports as paid an it was reflecting correctly. I got a notification on several of my credit reports that it was re added to my credit report as a XXXX account. This dropped my score XXXX points which is unacceptable. I called the store to see if the could fix it before I did an compliant and she could not which is ridiculous. This is against the law you annoy re add at debt after it has been paid.
XXXX XXXX/Speedy Cash stated on XX/XX/XXXX that a signed agreement with XXXX XXXX was in effect to negotiate a payment on my account. 

On XX/XX/XXXX XXXX XXXX/Speedy Cash sent me an e-mail asking about information about my credit card numbers. 

Such action is in violation of the signed agreement XXXX XXXX/Speedy Cash have with XXXX XXXX and constitutes harassment.
I lost my job nad was not able to make payments. I was referred to the XXXX owners Held Line located in XXXX FL help me modify my monthly payment. They asked me to send documents and i was charged XXXX . I sent all the documents they were asking for with a deposit of XXXX . The kept calling me to send them the remaining balance of XXXX. I refused because i didn't receive any updates from them about the case evolution. 

It has been 3 months i'm calling them in vain. All the mortgage statements go to them. I don't receive any statement from the mortgage company for a while. I don't know what to do now.
After my chapter XXXX BK ( 60 months plan ), I applied a refinancing with XXXX XXXX. XXXX XXXX disapproved my refinancing because my current mortgage Wells Fargo mortgage submit my 12 months payment history in error. Wells Fargo claimed that I was 2 months behind my payments. I have copies of 12 endorsed checks by Wells Fargo first week of each month for 12 months.
I WAS NOTIFIED BY XXXX RADIO THAT THEY WERE RENEWING MY SUBSCRIPTION OF MY XXXX RADIO 'S I THINK TIS WAS IN XXXX XXXX. I CONTACTED THEM INDICATING I DID NOT WANT TO RENEWAL MY SUBSCRIPTION..THEY GAVE CONFERIMATION OF THIS ACTION I LOST THIS INFO. THEN MY CITI-CARDS AT & T UNIVERSAL CARD WAS BILLED {$370.00}. I CONTACT XXXX ABOUT THIS ... ..THE REP SAID HE WAS GOING TO GIVE ME A SPECIAL BUNDLE FOR {$120.00} FOR ONE YEAR PLUS REPLACE MY LIVING ROOM RADIO.. HE TOLD ME I WOULD GIVEN A CREDIT XXXX. I WAITED SEVERAL WEEKS ... I WAS TOLD AT & T UNIVERSAL CARD THEIR WAS NO CREDIT GIVEN ... ..I THEN FILED COMPLAINT WITH THERE BILLING DISPUTE DEPT ... ... I REC 'D A LETTER FROM CITI-CARDS ON XXXX XXXX, 2015 THAT THEY REVERSED MY CREDIT BASED ON INFO FROM XXXX ... .THEY MATERIALS THAT USED WAS MADE NO SENSE ... I HAVE BEEN FAXING AND SENDING LETTERS TO CITI-CARDS XXXX. XXXX XXXX XXXX, SD XXXX. I HAVE BEEN DEALING WITH XXXX XXXX ... SERVICE SPECIALIST..HER PH XXXX..THE DISPUTE PHONE # IS XXXX ... FAX XXXX HAVE HAD THE AT & T UNIVERSAL CARD SINCE WHEN AT & T CREADED THE CARD WHICH IS OVER 20 YRS . XXXX XXXX IS A VERY CORRUPT COMPANY..THEY HAVE BEEN FINED BILLIONS OF DOLLARS OVER THE YRS BY FTC. IT SEEMS XXXX XXXX TAKES THE WORD OF CORRUPT ENTITY WITH INSUFFICENT DOCUMENTATION. I TOLD XXXX XXXX GO TO FTC.GOV IN ORDER TO FINE OUT HOW MANY COMPLAINTS HAVE BEEN FILE WITH FTC.IT SEEMS CITI-CARDS HAVE BEEN VIOLATING SOME FEDERAL OR LAWS
They start at XXXX call during every hour first they call XXXX husband then they call XXXX me. Every call is from a different location ( however when call is made first to one number then the next same location ). Messages left maybe 50 % of the time.
wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing 4 cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person 12mos ago. 

The company and corporate offices refuse to answer summons by XXXX XXXX ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays XXXX.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges w XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired upright law on retainer for chXXXX, which nobody wants to abide by. 

companies were told to notify upright. upright was in charge at said time for nine months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.
I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....
I leased a vehicle the year prior to joining military service in XX/XX/2016 I called Ford Credit to request a lease termination under the Service Member Civil Relief Act. They requested I send the letter to them and I did on XX/XX/2016. 
I received notification on XX/XX/2016, via telephone, that my request has been denied. They stated that I must be on orders assigning myself outside of the continental US. 
I understood the SCRA to cover me for the lease termination upon entering military service and not just when I receive orders overseas.
I was issued a new chip card, and had no idea that i would need to re-enroll in auto-payments. I received a letter stating that my account was past due, attempted to access my account. Could not see any more than 2 months. Talked to numerous customer representatives, none of which were really able to answer my questions. Finally just closed my account. I still have no idea why my account was not paid automatically as I had set up, or why I was able to access only 2 months of statements. I had issues with this company in the past, and was going to close the account, but had been talked into keeping the account open when I had called to cancel. I have a number of other cards and I have no problem keeping the accounts paid on time. There are too many other good companies out there with great cards, this one is awful.
Please remove this account from my credit report XXXX XXXX  XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
I had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.
I was contacted by portfolio Recovery Associates, or at least they claim to be. The lady claimed to be trying to collect a debt from XX/XX/XXXX. The debt was originally with, supposedly, XXXX XXXX. They stated that it was charged off in XX/XX/XXXX. And that portfolio recovery Associates picked up the debt. In XX/XX/XXXX, I pulled my credit report and with the assistance of a loan professional, I went in and paid off all debts on my credit report. At that time, if there were an outstanding bill from XXXX XXXX, it would have shown up on my credit report and it would have been paid at that time. I did tell the woman I was speaking with that I had paid everything off my report in XX/XX/XXXX. She informed me that this debt would not have shown up on my credit report, but that it was a debt and it needed to be paid. I told her that I did not feel comfortable paying a debt from XX/XX/XXXX and that I could not verify by looking at my credit report. She repeated to me several times that it would not show up on the report. I told her that just did not make sense to me. She stated an unfamiliar address, an apartment address. I have lived in apartments in the past, but I did not recognize that address. I told her that address could have been a made up address. She was unable to tell me the phone number that the bill belongs to. I told her that I did have a landline in XX/XX/XXXX, but in XX/XX/XXXX everyone basically had a landline. I told her that it did not make sense. Long story short, she repeatedly requested payment and said it was my debt. I told her that I did not believe that was my bill, it could not be verified, and that I was not paying her any money. She stated that she was going to notate that in my record, and to have a good evening.
Experian ask for {$1.00} to check your credit report, but they keep your credit card on file and bill you {$21.00} two weeks after. 
Spoke with their representative XXXX and supervisor XXXX in XXXX and they said that when you approved the conditions they charge you montly! 
Please help,
All three credit bureaus ( XXXX, EXPERIAN, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late
In XX/XX/XXXX, I was divorced from my ex-wife. My ex-wife and I had a combined income of about $ 125k.  After the divorce, I was left with the home and had to remove my wife 's name from the mortgage in order to keep it. The divorce left me with assuming all of the debts that were once shared with my ex-wife and damaged my credit worthiness. I applied to Chase Mortgage for a modification. After supplying my financial information in XX/XX/XXXX, Chase Mortgage agreed to a modification only lowering my mortgage by {$20.00}. Although, my household income had decreased by 50 %, I attempted to continue to pay the newly reduced loan through XX/XX/XXXX. I was supposed to sell the home between XX/XX/XXXX-XX/XX/XXXX, but I had been laid off in XX/XX/XXXX so I did not put the home on the market until the Winter of XX/XX/XXXX. I could not apply for another modification for a year, so I did my best to continue to keep my home. To no avail, I wound up filing Chapter XXXX Bankruptcy prior to the foreclosure scheduled in XX/XX/XXXX and surrendering my property. Earlier in XX/XX/XXXX, I received a check for a class action lawsuit that Chase had been sued for discrimination in giving bad loans to minorities. I destroyed the check because I felt that I had been victimized as well, and that Chase had given me the botched modification so that I would eventually lose my home in a great neighborhood with an excellent market. Now, we are going through a short sale for an amount that will cover the loan at about $ 170k. Chase was right in projecting that I would lose my home with the {$20.00} decreased modification, and that the home would sell quickly on the local market.
I contacted Synchrony Financial to inquire about application of payments to promotional offers with different expiration dates. My contact correspondence is below:

--- Original Message ---
From: "XXXX XXXX XXXX" 
Received: XX/XX/17 XXXX XXXX MST
To: XXXX
Subject: Other Inquiries

I have two balances with different expiration dates. One expires in twelve months. The other expires in six months. How will my payments be applied to the two different balances with different expiration dates? Thank you.

--- End of Original Message ---

Synchrony Finanacial responded with:

Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you.
If you would like the specifics how your payment is allocated or for additional information regarding multiple plans and/or promotions, please call customer service at XXXX.

--- End of Response ---

When I called the number I found it was unavailable during the times available to me.

I responded using the Synchrony Financial website mail form indicating I was requesting the Comptroller of Currency investigate why Synchrony Financial does not provide information on its web site describing how payments are applied to promotional balances due with different expiration dates.

The Office of the Comptroller of the Currency responded advising me to contact the Consumer Financial Protection Bureau.

Since my initial complaint to Synchrony Financial, I received in the mail a written response from Synchrony Financial stating "We will apply the required totalminimum payment to balances on your account using any method we choose."

This payment application strategy allows Synchrony Financial to apply all payments to balances with a greater expiration date while balances with earlier expiration dates go into default thus incurring non-payment penalties and a significantly higher interest rate.
XXXX   I have disputed with numerous times and they are not deleting items that are not correct or updating correctly at all I have copies of incorrect items. I have disputing an item for a a year. There is a collection on here for  XXXX  from  XXXX   XXXX . I have no knowledge of this account. And in over a year they have never contacted me nor gi ven one it em of proof to myself or   XXXX   validating this. This is not mine. Both  XXXX  and   XXXX   deleted this off my credit report. Also my Chapter  XXXX  has been discharged.     In Chapter  XXXX  the account was paid 100 % to plan. Meaning 100 % of debts paid. Equifax is reporting all   XXXX    XXXX   XXXX  as negative and not being paid as agreed which i s FALSE. T he other  XXXX  agency 's have the correct total of  XXXX  balance on all which is correct. Equifax is not properly investigating any of these and continue report inaccurately driving my score down  XXXX  pts.     Also inaccurate credit inquiries I never authorized.
Capital One tells me I owe {$380.00} as of XX/XX/2018. I have spoken to dozens of people asking them to explain how I owe this amount as I dispute it. No one can or will explain how I owe this amount. It is not legal for a company to make a demand for money without being able to explain their demand. They will not itemize for me the amount or show me or tell me based on anything how they have come up with that amount. I dispute entirely that I owe this amount. I am asserting they have made a bookkeeping mistake. It is my right to know what I am paying and why but Capital One says they can't explain it. That everything is computerized. And I am saying the computer made a mistake since I do not owe what they are asking. After I say that they won't help me. They can't just bill me something and get blind trust from me. I am a thinking person asking questions. Asking for an intelligent explanation of how I owe the XXXX. Telling me that it is all computerized and that they can't explain it is no answer..and I dare say if that is how businesses are run ... businesses could say anything they want and people would have to pay " because the computer says so ''. I need to know what I am paying for..how and why. Not just " it is all computerized ''. They can have someone go over my account and find exactly how the computer came up with the figure and then explain it to me. that's what I need. I don't have money that grows on trees and before I pay a bill I have to understand it based on facts and figures. Not based on " the computer says so ''.