WillisBack/dataset-financial-user-claim huggingface dataset:
I previously filed a complaint because the debt collector was attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX in accordance with the service agreement. The debt collector responded to the complaint on XXXX/XXXX/2016 and stated that the account was closed in their system and that they intended to have no further communication with me regarding the matter. This has not been the case. I received a letter dated XXXX/XXXX/16 attempting to collect a debt referenced in the previous complaint. The letter also stated that they may recommend that the debt be transferred to a team of telephone collectors if not paid.
SunTrust Bank denied me the processing and receipt of a new debit card after it was reported stolen. They told me I would have to receive a text message and answer " credit-application '' like questions. They said they added some extra security to my account but it felt like they were ordering credit products without my permission as they refused to send me a new debit card. I feel like they want me to close the account so they can hide the fact that they actually stole money from me.
OnXX/XX/XXXX XXXX notified both me as owner and Arvest that the insurance policy was in danger of lapse due to non-payment. On XX/XX/XXXX, I spoke with both Arvest and XXXX and it was determined the check was returned to Arvest on XX/XX/XXXX. 

I also followed up with a call a week later to ascertain if the policy payment was received. It was not, and I was told by Arvest that the payment would be resent to XXXX. 

Here it is XX/XX/XXXX and XXXX still has not received the insurance payment covering the property for loss, both physical and rental income for this rental property.
TranUnion is reporting inaccurate information in my credit file. 
The account name is XXXX XXXX Bank. I 've disputed this particular account with TransUnion and directly with the Creditor. It 's been over 45 days and I have not heard anything from original creditor. As far as TransUnion they are reporting inaccurate information. The balance should reflect XXXX because this particular account was written off by the original Creditor. Also since I directly disputed this account with TransUnion they are suppose to verify/ validate this account which they have not. According to FCRA TransUnion has 30 days in which to validate your dispute. It has to be noted in the " comment '' section which is has not. That 's a violation of the FCRA rule 601 ( XXXX ) ( a ).
Balance due from XXXX XXXX for {$37.00} went to collections Plus Four INC. They are attempting to collect {$47.00}. I have never received a bill from the original company nor a bill or calls from the collection company regarding this bill, so I am not even sure it is true. I do recall having the services performed, so I am willing to pay the {$37.00} owed. I contact Plus Four because I saw the mark on my credit app on my phone. I spoke first with XXXX and offered to pay the original amount. she said no. I asked to speak to a manager she put me on hold. I hung up and called back and spoke with XXXX. He indicated they would take the amount but would still have the remainder owed and on my credit. I asked to speak to a manager, he indicated it was such a small amount he didn't think his manager would want to bother. After placing me on hold he came back and said the manger said no. I reminded him that I wanted to speak with the manager, not him. He said he wasn't available and hung up on me. I called back and spoke to XXXX again asking to speak to the manager and he hung up again. I called again and spoke to XXXX. She indicated the manager was not there and would not be back until Monday. I asked for the manager 's name, she indicated it is XXXX. When I asked for his last name she refused to give it and also hung up on me. I now feel this bill is not mine and am not sure what I need to do. Thank you for your assistance
I have a few issues but I 'll start with XXXX. They allowed me as a student to take loan after loan out to attend a fraudulent school that lied about accreditations, future jobs and they are reporting false information on my credit reports that has and continues to cause due hardship. XXXX tells me I can only apply for a voluntary forbearance which has doubled my loans because of the interest. I ca n't pass a credit check for employment and I have to pay XXXX - XXXX the deposit for an apartment because they report my loans as derogatory on my credit reports. This is false and when I filed for chapter XXXX BK in 2015 they XXXX out my balances and marked my accounts as derogatory. When my BK was dismissed because I could n't afford the payments they opened new accounts in addition to the accounts they marked as derogatory. The school I attended, XXXX - XXXX University, approached me in my last semester before graduation and told me that I owed {$5100.00} in books and student fees and that I would not be allowed to take any more courses until I paid in full. I still get harassed today for this money. I paid {$2000.00} but still owe {$3100.00}. They report on my credit reports twice by XXXX different collection agencies for the {$3100.00} which causes additional hardship. 

My other complaint is exactly the same but it is for Nelnet and XXXX XXXX XXXX XXXX. They also came to me my last semester and said that I owed them {$5000.00} in books and student fees and that I would not be able to graduate until I paid. They lied about future jobs, school accreditation, and they pressured students into signing up for loan after loan only to tell students that we still owed money and could n't graduate. After being forced to leave school because I did n't have {$5000.00} they told me the only relief from my student loans was to consolidate them and then file for the voluntary forbearance. My loans at Nelnet have increased because of the interest and have gone from {$45000.00} to now {$75000.00}. No degree or job from XXXX and no help from Nelnet to stop taking so many loans for a fraudulent school. 

Between the XXXX schools I came out with {$75000.00} in student loans which is now {$130000.00} because both XXXX and Nelnet say I can only apply for the voluntary forbearance. 

$ XXXX, no degree, 10 lost years and ruined credit. These loan servicers should be held accountable for working with these fraudulent schools and pressuring students into taking so many loans. They lie to students and they glorify the school and future jobs and income levels, then once they are enrolled they just want you to keep signing the loan documents. $ XXXX and no degree!
Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Citizens One was unauthorized. Ive attached a copy of the Pre-Approval letter from my credit union who currently finances my vehicle. There was no reason for Citizens One to run my credit due to having already secured financing through my own credit union.

I am requesting that Citizen One remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
This is related to complaint XXXX. 
Outline of events : Nobody contacted me so I called this morning. 
I was transferred between the escalation team and XXXX XXXX but nobody did anything except : XXXX XXXX transfered me to supervisor XXXX who wanted to transfer me to XXXX XXXX. I told him I already went that rout and they could not help me. He transferred me anyway and hung up, and I never got to anyone. 
Called back, spoke with XXXX - to supervisor XXXX and to manager XXXX. Nobody was able to help me with anything. XXXX hung up on me after I insisted that this has to be fixed. 
Called back and spoke with XXXX who transferred me to XXXX. She informed me that a freeze was put on the account when the first Consumer complaint arrived. THIS WAS NOT AUTHORIZED ME BE AND IS FRAUDULENT BEHAVIOR ON THEIR PART. My complaint CLEARLY stated that I wanted to do this on self serve as I don't want to have to call in to freeze/unfreeze the account. XXXX refused to name the person who broke the law but the Conf # is XXXX. She unfroze it at my insistence on conf # XXXX since it was illegally frozen in lieu of actually fixing the problem. 
XXXX told me that this will probably never be fixed and that I will probably have to call in for freezes or unfreezes. This is not acceptable. 
On their website ( the one I can't log into ) there was a link that was to advise if your data was part of the most recent breach, and mine was. All the more reason why they MUST fix this account so that I can freeze my account. 
If I had my way this company should be out of business, and the people mentioned above should all be fired.
had a check bounce in XX/XX/XXXX from my pnc account.they paid it and within 2 months they closed my account out.would n't let me close out my checking.but closed out my credit debit card never gave me all my money.and then found XXXX other cards from an account from XXXX i had at their bank that had stolen checks on it that they said they closed out n never did.one is good til XXXX n the other is good til XXXX.i did n't keep that account going and had just invested in phone cards and reload prepaid cards.now my credit score is XXXX and was asked to contact you by spectrum.i checked my score a few wks ago and it said i bought a house in XXXX and a new car in XXXX.i didn't.this is the XXXX time i 've been hacked into and they were surpose to have flagged me from then.
When I signed up for the XXXX XXXX XXXX, a " bonus award night exclusively for card members '' was promised on award stays. Recently this benefit was removed. Despite the bonus night benefit being removed, the annual fee is still unchanged at {$75.00}. I have had this card for two years, but with the loss of the bonus night, it is much less useful for me.
I disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX  t had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured, Amount in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.
On the morning of     XXXX   XXXX      2017 I lo gged in to my  XXXX  checking account to check my balance. There was an {$85.00} ACH withdraw from my account for a payment to a  Kohls  credit card with the name  XXXX   XXXX . I do not have a Kohls credit card. My wife does, but we use a different checking account to pay her bill. I first verified that the payment did not somehow go to my wife 's card. It did not. I contacted my bank and they told me I had to submit an ACH charge challenge to have the matter investigated and have the money refunded to me, but it could take as long as 45 days. They advised me to contact Kohls and explain to them what happened and that they could possibly remedy the situation faster. This is where my actual complain starts. I contacted  Kohls  and explained to them what was happening. They stated there was nothing that they could do and that they could not find the transaction I was referring to.   Here are my complaints :  1 . I do not believe a company should be allowed to process financial transactions if they do not have the ability research and find the transactions they process.    2.  I believe a company should be required to take some kind of action when they are notified that possible fraudulent activity has occurred.    3.  I believe their should be some kind of consumer protection for innocent victims, such as myself, that requires a company to take some kind of action when they have negatively impacted someone financially.  <P/> I filed a complaint th rough the Better Business Bureau . The response from Kohls was essentially them stating there was nothing they would do. A company should not be allowed financially harm someone and then do nothing to assist in the solution.
I have wrote  XXXX ,  XXXX , and Equifax on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified. Equifax said they will removed but still fail to do so.   XXXX   and   XXXX   said they verified but the court said they did n't verified threw them. This item is not mines
After reviewing my credit report i noticed accounts from XXXX reporting as collections. I disputed the accounts as fraud contacted the agency and sent over police reports and affidavits of fraud and forgery. The agency sent me information that this " debt '' was from XXXX college, a school i have never attended. The credit bureaus sent XXXX a dispute with a 30day timeframe to respond. GLHEC rather than stop reporting and update these as disputed, sent me a letter stating that the investigation was closed and if i had further documents i could send to them, i then tried calling them to set up a payment even though the accounts are not mine only to find out the investigation isnt closed and they just sent out that letter to avoid the 30day timeline sent to them by the credit bureaus. To this date these accounts are still reporting as collections and GLHEC isnt helping nor following the rules of SCRA.
On XXXX/XXXX/2015, I was charged an overdraft fee while my checking account was positive - {$35.00} EOD on XXXX/XXXX/2015, according to my transaction register on the bank 's website. According to the overdraft notice, the fee was cause by insufficient funds for transactions on XXXX/XXXX/2015. 
The overdraft notice which was provided included several transactions which did not occur on XX/XX/XXXX, per my account 's transaction register. In fact, XXXX of the transactions occurred after my account had been replenished with additional funds on XXXX/XXXX/2015, bringing me above the previously indicated {$35.00}. 
I went to the branch to attempt to resolve this banking error and spoke with the assistant banking center manager on-site, XXXX XXXX. He insisted that there was no bank error, but said that he could not explain why my account was charged an overdraft while my balance was positive. 
It should be noted that this overdraft fee was charged 3 days after I moved money into a new bank account with another institution. I do not know if Comerica is retaliating against me for deciding to bank elsewhere, but at this point, I am only waiting for final transactions to post before closing my account with Comerica. 

Thank you for your consideration.
Logged onto Chase to pay my mortgage in XX/XX/2016. I made the payment. It appeared to have gone through. One month later I received a late payment notice by mail. Chase did not call me or send a reminder letter. Now I have a {$59.00} late charge and a late payment notice on my credit. Immediately went online to pay after receiving the late notice, logged in the payment. Again it did n't take. Called Chase direct and paid it that way. We never had any sort of problem when XXXX XXXX had the loan for the previous 4 plus years, prior to Chase taking over. 
It seems like Chase is setting borrowers up for failure so they can make extra money on the late fees.
Ive been paying XXXX a month for probably 8 years now, for Wells Fargo XXXX XXXX XXXX ( could be wrong on the name ), signed up for it when I opened my account not really thinking anything of it, except it was probably good to have. Called a week ago to cancel the service/payment, was informed by a Wells Fargo customer service employee that the Credit reporting service has been disbanded years ago! So Wells Fargo knowing the service that they insisted I get, ceased to continue they still withdrew XXXX $ a month from me. The woman I spoke to could not give me a date when the service stopped but she insured me its been a while, years. So Wells Fargo was actually stealing from me correct? How can they allow my payments to come out knowing the service stopped without ever once sending me an email or phone call, anything. I have hundreds of dollars I feel I should be back paid. Thank you.
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

Under federal law, I could hire an attorney to sue them at no cost to me and ask for {$1000.00} in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.
On XX/XX/2016 My partner and I met with ( XXXX | U.S. Bank Home Mortgage Mortgage Loan Originator | XXXX, OH XXXX ). From our initial meeting there were a few red flags that my partner and I chose to ignore. He was 45 minutes late to our first meeting and he declined to provide my family and I a private location to discuss our loan situation despite the fact there was an empty office available. During our first visit we explained to XXXX that we wanted to secure a VA loan. He said that would not be a problem even though my partner and I are not married. On XX/XX/XXXX XXXX suggested we contact a friend of his to purchase our home owners insurance. I informed him that we will stay with the company we already had. After that exchange his attitude toward us changed in a negative way. On XX/XX/XXXX My partner and I were informed that we could not use the VA loan option because we are not married. He waited more than one month to inform us of this issue. He then suggested that we try a VHA loan. Throughout the process my partner and I were subjected to discriminatory and humiliating treatment from US bank and XXXX. His desire to push us into a Loan option with a PMI and additional monies upfront was a clear example of his lack of respect for minority buyers. He stated that we would need XXXX down on a loan amount of XXXX. He treated us like we were ignorant and his predatory tactics are disgraceful. It is clear that as XXXX minorities we were racially profiled by US bank and XXXX and this type of practice should not be allowed to go unnoticed. Despite the discrimination and lies from US Bank and XXXX, my partner and I were able to purchase our home in a timely manner. It is our hope that lenders and their representatives who purposely engage in discriminatory and predatory lending tactics should not go unpunished. We hope that our incident can help other minorities who are subjected to unfair lending practices. 

Thank You
I filed for bankruptcy on XX/XX/2018. Prior to this filing Collectech Diversified never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted Collectech Diversified, XXXX XXXX XXXX XXXX  ( the original creditor ) XXXX, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account as well as negative payment information for XXXX, XXXX, XXXX and, XXXX negativity affecting my credit. I was recently denied credit by XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX  and asked that they force Collectech Diversified to update this account the representative called XXXX with Collectech while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it. They claim that they were never notified but I have attached all of my bankruptcy information that will prove otherwise that the creditor XXXX XXXX XXXX was infact notified. If this company cant report complete accurate information they shouldnt be able to report it at all.
XXXX/XXXX XXXXL % OF XXXX XXXX   XXXX XXXX XXXX XXXX Report # XXXX I hold no obligation to your recovery company. I am now registering a civil suit for the amount of {$2500.00} per violation for impermissible access to my credit report for well over eleven years in regard to a paid and closed account. I do not owe {$1600.00} to a CAPITAL 1 account that was opened XX/XX/15. I will welcome any evidence you may cause to this false harassment and phone calls. I can see that you have done this before. Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the FAIR Credit Reporting Act.
I received a notice from this collection agency stating they validated and will continue collection efforts. I need some help as they are violating my rights. First I do not owe them anything all equipment was returned and second this is over 10 years old and they should NOT be reporting it on my credit file. I thought there is a 7 year statute of limitations. Please help
I reviewed my credit report and saw that I had a public record for a tax lien, unaware of this I contacted the state of Georgia, they advised me that this was done in error and sent me the paper to send to the credit agencies because they was n't able to remove it, the credit bureau had to ... I sent it to all 3 bureaus and was deleted from my report .... that was years ago! All of a sudden equifax has reported this again making it reappear on my report after they deleted. How can that be legal? How can they delete it knowing this is a error and years later report it again?! I disputed online and they claim it 's verified to be mines. Not once did I say it was n't, what I 'm disputing is the fact that it should n't be reported and I provided them that proof from the state of GA and they deleted only to come back years later to report it again. If they do the research and see that the information was sent to them cause if it was n't it would n't be deleted in this first place. The business practices that equifax is doing is unjust and also is against the Fair Credit Reporting Act.