WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I was contacted via telephone by XXXX XXXX, from XXXX XXXX XXXX. She indicated I had a debt in her office and the original creditor was XXXX XXXX XXXX. I advised her I didn't know who they were. I had seen them on my credit report before. She advised me that even though the original creditor was XXXX XXXX XXXX, the debt from XXXX XXXX was from XXXX XXXX XXXX. She said she had the contract with my signatures on them and would email them to me that same day which she did. I then advised her, there is another collection agency reporting on my credit report for this same original creditor ( XXXX XXXX ). She, XXXX, said there shouldn't be another agency looking to collect for this same debt. I told her I would review the materials she sent and act accordingly, end of that conversation. The collection agency XXXX XXXX XXXX XXXX has listed themselves on my credit report as collections for the amount of {$2000.00}. Now the issue I have is Accelerated Receivables is also listed on my credit report in the amount of {$930.00} and the original creditor is also XXXX XXXX XXXX. I have carefully reviewed both contracts that each collection agency has sent and it appears they have taken the contract and split it in two. Both contracts are signed the same day and in section 4 of one of the contracts, the payment amounts are the same. It also has the words written XXXX XXXX by the security consultant. One contract is for 33 months but the other says 36 months. Both contracts from each collection agency has my signature and date however the signature/date for the sales consultant is different on each contract. Under the FDCPA, two collection agencies can not collect for the SAME debt. 

I decided to cancel my contract as I didn't even own the house I was living in at the time and only contacted XXXX XXXX XXXX as the house I was living in was broken into 1 week after I moved in. After learning from the owners of the house they would not be responsible for the security system, I canceled the contract. I didn't make 1 payment. The company continued monitoring even with no payment made. 

I have attached a front copy of both contracts sent to me for your review. There appears to be abusive, unfair, and deceptive practices by both parties involved which is a violation of the FDCPA. When I asked for validation of debt, Accelerated Receivables only sent the top copy ( 1 page ) of the contract while XXXX XXXX XXXX sent the remaining pages of the contract.
There are two collections on my credit report. I have never received bills from this office, I have had health insurance since 2010. I do not owe this money. Also, there are two negative reports that I believe are the same bill. I have tried to call them numerous times. The voicemail box is consistently full.
Approximately XXXX weeks ago, I was traveling out of town on the weekend. I tried to use my Bank of America XXXX credit card. The charges were declined. I have had this card at least XXXX years. I tried my Bank of America XXXX XXXX Card and it was also declined. The merchant called the Bank of America and I personally talked to someone and was told that I had closed my accounts. However, when I insisted that I had not closed these accounts, I was told that there is " something '' wrong with my citizenship and country of origin. During the next XXXX days, I spoke to XXXX different people at Bank of America, was put on hold for prolonged periods of time and transferred to multiple people and no one would give me straight and truthful answerbabout why my accounts were closed. Finally, the matter was resolved and my accounts were reopened but only after I insisted on talking to a supervisor. I was told that the federal government requires proof of citizenship in order to continue my credit card services. I have had these credit cards since 2005. I have never had to provide proof of citizenship. 
Clearly, Bank of America is racially profiling me because of my last name and country of origin. My wife and XXXX, who are also on this account, with different last names, were never asked to provide proof of citizenship. I have other credit cards from other banks, which I have had for XXXX years, and I have never been asked for proof of citizenship. In addition, none of my colleagues or friends or spouse have ever been asked for proof of citizenship to open or MAINTAIN a credit card account. 
Clearly, Bank of America is XXXX profiling me!
We sold our house and the realtor that we used hired a closing company to close the house and pay off the mortgage. It is the mortgage companies job to get the correct pay off amount and issue it to the closing company. The closing company did receive the pay off and fowarded it to Guild. They received the payment and signed for it and then lost or misplaced the payment and are now charging interest on the mortgage because of their neglect to find or post the payment. Guild now wants us to pay the interest out of our escrow account stating they have not received the payment when in fact I have signed documents from their employee that they did receive the payment.
My  XXXX  Credit Report shows a hard inquiry from a company calle d Seventh Avenue. I h ave never heard of this company let alone done any business with them. I contacted them in  XXXX  or  XXXX  of   XXXX   to try and ask them to remove this inquiry. They found no records of me in their syste m ( includin g no recent applications ). they informed me I would need to dispute this directly with  XXXX . since I work for a large bank I realized this was not a proper step that I should be taking but since they insisted there was nothing they could do to fix it, I in fact disputed it with  XXXX . They received the response  from Seventh Avenue ind icating it was a valid inquiry and they could not remove it. I again contacted them today and initially received the same " there is nothing we can do '' response. I requested to talk to a supervisor who again confirmed no records of me in connection with this company. She went on to indicated I must send a copy of the credit report showing this being reported. I recently contacted  XXXX  about a similar issue and they required no documents on my part. In addition I know someone who worked with  XXXX  about the same type of problem and was not required to send any documentation to them.
This Company is engaged in unscrupulous practices by attempting to cheat the Fair Credit Reporting Act allowable time to collect a bad debt by engaging in re-ageing the account in question. I opened an account in XX/XX/XXXX and decided to break the contract because of unfair billing. The account was then charged off and place on my credit I monitored my credit report and noticed that it was put back on my credit as being opened in XX/XX/XXXX in direct violation of current credit reporting laws. I contacted the collection agency to no avail. So I would like to file a complaint.
I am on a bi-weekly advantage payment plan that makes my monthly mortgage payments on my behalf to Ocwen. These payments are sent by XXXX Bank XXXX Ins company each month. On XXXX XXXX, Ocwen misdirected my monthly payment to my Escrow account. XXXX different Ocwen escalation agents have confirmed this is an error on Ocwen 's part. XXXX promised it would be taken care of within XXXX business days and provided me a number to reach them at directly if it was not resolved by then. XXXX have not been reachable since. It is now XXXX, I 'm still receiving collection calls and letters. And today XXXX/XXXX/XX/XX/2015 I received a formal letter in the mail that requires me to respond by XXXX/XXXX/XX/XX/2015 as to whether we want to refinance our house or apply for a loan modification. We do n't need assistance in paying our mortgage, Ocwen needs to apply our payment appropriately. Additionally, we pay approximately {$420.00} extra dollars towards our principal each month of which they are placing in a suspense account because they say they can not apply it to the principal until our loan is current. Our loan is CURRENT. I 'm at my wits end and feel it is time to hire an attorney. I have documentation to support this claim, as well as XXXX XXXX 's confirmation directly to the escalation specialist of the payment and the check number, of which they have confirmed was indeed cashed. The escalation specialist # 1 was XXXX, XXXX ID XXXX, XXXX, extension XXXX and # 2 XXXX XXXX, phone number XXXX, option XXXX, extension XXXX. Additionally, on XXXX/XXXX/XX/XX/2015 XXXX XXXX instructed me not to make any further payments until this was resolved to cut down on confusion on which payment I was making while they work this out. Had I followed his direction I would likely be in line to lose my home at this point.
Accounts result of previous fraud dated back XX/XX/XXXX disputed numerous times from XXXX XXXX {$4500.00} and Judgment XXXX {$4500.00} from XXXX # XXXX are results of Neglect on Both parties to follow up on Disputes back from XX/XX/XXXX thru XX/XX/XXXX
I received a report from XXXX XXXX  saying theres a suspicious of fraud on my name
I filed a complaint XXXX about the practices of XXXX XXXX   XXXX with the cfpb about their failure to return funds due my late brothers estate. In response their agent Mr. XXXX XXXX stated on XX/XX/2018 that a check, which I've yet to receive would be mailed to me on XX/XX/2018. I've tried call to no avail and am tried of this company giving me grief about this money not to mention that the amount they stated as due did not include funds held in the mortgage escrow.
Years ago I purchased a vacuum from a sales representative for the XXXX XXXX. We arranged a payment plan for me to pay off the vacuum and after making the final payment the representative returned with a new model and told me that he would exchange the older model for the new one and included a 2 year warranty. How ever I was told I would still need to make payments on the new model, so the representative gave me a new payment plan for the new model without subtracting the cost of the previous model I had already paid for. I continued making payments on the new model and after a few months the vacuum had stopped working. I contacted the representative who told me to contact another number who told me to contact another number and so on until eventually I was told to contact the company. After coming into contact with the company and explaining that I was still within warranty the company refused to replace my model or repair it. I told them that I enjoyed their product very much and that I 'd be more than happy to continue making payments, but that I would not resume making payments if they refused to honor my warranty. At that point the representative on the phone made vague threats about this damaging my credit score and/or having me arrested.
I was contacted this morning at approximately XXXX XXXX. by an individual who identified himself as XXXX XXXX. He called my office and identified himself to my assistant as an attorney who was interested in talking to me about XXXX XXXX XXXX ( my XXXX  XXXX ). My assistant transferred the call to me and when I asked him how I could help him he indicated to me that he was an attorney. I XXXX XXXX myself and thought I somehow knew him. 

He stated the language informing me that he was a debt collector and that he was collecting on a debt. He then proceeded to ask me about an incident that occurred at the University of XXXX XXXX ( XXXX ) approximately two years after I no longer volunteered there as an XXXX   volunteer with the XXXX XXXX XXXX for the local chapter of the XXXX. I indicated to him that I had no affiliation with the chapter and haven't been involved with them for several years and was not involved in the local chapter or the housing corporation in any way. He stated that I am somehow responsible for a debt. I told him to contact the XXXX XXXX with any questions or their lawyers and he said that he has already done that and that they are passing responsibility onto me. I then asked him for his contact information and informed him that I was reporting him to my XXXX  XXXX and to the CFPB for improperly contacting me and he basically said go right ahead. My concern is that he contacted me at my place of employment and that he was very brazen in the way that he spoke to me which I felt was harassing in nature. As such, I would like to report him at this time since he misrepresented himself to my assistant by indicating to her that he was an Attorney and made it sound like he was affiliated with my XXXX  XXXX and somehow was acquainted with me. I felt that his tactics were misleading and deceptive and very concerning and that they violated the Fair Debt Collection Act in the way that he conducted himself. 

His contact information is as follows : XXXX XXXX of Todd Bremer Lawson ( Debt Collection Agency ) with a phone number of XXXX based on the number that he gave me. However, when he called he was listed as a local number from XXXX, FL which was also misleading as he is based in South Carolina. Their physical address is XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

Please investigate this matter to the fullest to protect others from this type of collection activity. Thanks! 

XXXX XXXX XXXX
I had cosigned on an auto loan for my son in XX/XX/2016. XX/XX/XXXX we went through the process of him getting refinanced through his credit union. WFDS provided the 10day payoff and received the check for full amount on XX/XX/2016. They even sent me back a check for {$50.00} for over-payment. Since XX/XX/XXXX, XXXX has reported to all XXXX credit bureaus in my name that this account is not only still open, but that it is XXXX past due. This has caused my credit score to decrease over XXXX and counting. Noone can help me, not even the Office of the President.. there is no balance due and noone at WFDS seems to know why this is being reported and are completely disinterested in helping me. This is causing me irreparable harm at this point, preventing me from getting my own car financed. I have called everyday, faxed statements and please, dealt with the Credit Bureau Resolution Unit, disputed with all XXXX credit bureaus, etc and WFDS is doing absolutely nothing to correct their mistake ... at the cost of my hard earned credit.
transunion credit report removes after an investigation then severa months later puts it back on my report, this account was obtained by stepson adding me 2 account with  out my permission.XXXX XXXX XXXX amount XXXX orig XXXX XXXX XXXX, who sold account. no contract exists.the last complaint filed with transunion over 3 months to no response.
To Whom it May Concern XX/XX/XXXXEquifax, XXXX. XXXX XXXX, XXXX, Georgia XXXX am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : Name issue : XXXX XXXX ; XXXX XXXX XXXX THOSE NAME WAS NEVER MY NAME OR ANY FORMER NAME My correct name is XXXX XXXX DOB XX/XX/XXXX SS NUMBER XXXX
I purchased a XX/XX/XXXXXXXX XXXX  with over 100k miles on it, in XX/XX/XXXX for {$8000.00} from XXXX. The vehicle was repossesed in XX/XX/XXXX. It is being reported by collection agency as account opened in XX/XX/XXXX with a $ XXXX   account balance. I have been disputing the correctness of this reporting with XXXX  and XXXX with no luck. I am being denied credit because of this. I just want it removed from all credit agencies.
My Chapter XXXX XXXX filing was discharged 6 years ago. I included XXXX mortgages in the XXXX which have XXXX been paid on time for the past 6 years since the discharge. However, I am not getting credit for either mortgage on my credit bureaus. I have contacted all XXXX agencies as well as XXXX servicers to resolve multiple times. Both agency and servicer are suggesting that the other is at fault. This situation is impacting my credit score and in turn my lending options. Being at a loss I decided to contact the CFPB to see if they could be of assistance in this matter
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
Equifax allowed Fraudulent credit accounts to be opened in my name without authorization and these accounts were opened online, only after my wallet was stolen. Not only did the thief 's forward my address but they also hacked my email address and used my information for their own gain. I submitted an FTC Law Enforcement Identity Theft affidavit to Equifax 2 months ago clearly stating the crime. Equifax blocked the fraudulent account 's due to the FCRA 605 ( B ) Law that requires accounts that have been created or established as a result of identity theft be blocked. Equifax later recsidended the block on some of these accounts without providing any documentation. These accounts are still fraudulent and I did not receive any information from these instituions on these accounts and I have attempted to contact them over 6 times now. First of all the two Accounts for XXXX XXXX XXXX XXXX XXXX which include a Line of Credit and an Auto Loan, are Fraudulent. I did not authorize these accounts, these were not signed by me and I never signed any information on these accounts. I do not have access to these accounts and Equifax has been notified as these accounts were listed on my FTC affidavit. Additionally, Without providing any clear explicit information, I did not authorize Equifax to rescend any blocks these accounts are still identity theft and I was never provided with any documentation on these accounts from Equifax no XXXX XXXX. Please follow the FCRA 605 ( B ) Law as I have clearly and precisely described the crime, and provided documentation. In addition the XXXX XXXX Credit Card is also fraudulent which was also listed on the Affidavit. You rescidend the block on this too without providing any information, documentation or even advising me of this.
This is an identity theft account that o have provided documentation for, however the creditor will not remove it fro my account. 

I have provided all information requested to validate my address as well as documentation proving identity theft, however the creditor will not remove from my reports. 

I have also asked the creditor Go Financial to validate however they have failed to do so and it 's been 60 days.
A firm called Portfolio Recovery has been calling my home phone number, XXXX XXXX XXXX about debt owed by my deceased and ex wife of 27 years ago , XXXX XXXX XXXX. I have asked them repeatedly to stop calling me and referred them to the executor of XXXX XXXX estate. They continue to call and call our home phone number and insinuate that I am lying about my ex wife martial situation and estate. 

The number they call from is XXXX XXXX XXXX, although this changes from call to call. 

Please report to all that this firm is unreasonable, and will hound you to the point of violation of every ethic that is embodied in the fair credit act and consumer protection laws. 

XXXX XXXX XXXX
I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XX/XX/XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
urned in my XX/XX/XXXX XXXX XXXX lease with GM financial in XX/XX/XXXX under the provisions of the SCRA. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact GM. Received multiple statements from GM claiming that we owed money on the remaining payments while I was deployed to the XXXX XXXX. GM financial told us multiple times to disregard the statements that our account would be fixed since it was turned in under SCRA. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under SCRA. After several attempts ( probably 20 or so ) contacting GM Financial and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XXXX XXXX  the account still shows 60 days late on all three credit reporting agencies with updated dates inXX/XX/XXXX despite GM telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from GM Financial that the information was correct.
Please remove inquirys on my report due to identity theft as per attached letters. 
Credit Reporting Bureau : Equifax XXXX XXXX XXXX, Dated XX/XX/2017 XXXX XXXX, Dated XX/XX/2017
Trans Union Issued a credit score of XXXX on XXXX XXXX, 2016. After I secured a vehicle loan and increased the line of credit on my federal credit union account of over 10 years, my credit score dropped to XXXX on XXXX XXXX, 2016. New accounts are suppose to affect the credit score about XXXX %. My score dropped over XXXX points. Also, inquires were made within 30 days to process this car loan but each inquiry was counted separately instead of as " XXXX '' inquiry by law. There was a number of inquiries that are inappropriate. I tried to resolve this with officials with Trans Union with no success or valid explanation.