WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX Credit XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.
Recently became aware of a credit card with   XXXX   XXXX    that was opened in my name by my sister and her husband. The account is past due and affecting  credit score  because both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them. After  2  weeks never heard back from them and called them again to get the status and was put on hold for over  30  minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
Caliber home loans " contacted me by mail to refinance my mortgage they now hold my XXXXmortgage I was put in touch with a loan officer XXXX and before a loan officer XXXX XXXX he told me caliber will add all our credit cards and auto loan and pay them off and add this amount to our new mortgage at a XXXX percentage for 20 years and caliber would pay all costs at closing I would only pay appraisal cost the loan officer told me all was good with the loan and removed XXXX dollars from my XXXX XXXX card caliber drug this out for over 3 months now they said they would not approve loan because of credit limit to high caliber was to pay these off at closing I have contacted you about this earlier but with less information thank you
On Thursday, XX/XX/2018 I received a notice on my computer from XXXX XXXX, Then I received a call from XXXX, XXXX. The people that called me truly scared me into thinking that my bank accounts were being compromised and that hackers were in the process of extracting {$6800.00}. This process was going to be happening over a few weeks time and I wouldn't be made aware of this until after it happened. 
I definitely feel extremely foolish. The men talked to me for over 4 hours. Yes, they convinced me to go to XXXX 's and purchase an XXXX XXXX card for {$500.00}. 
Once I had given them the numbers they showed me that my US bank card had been credited back to my account. I feel so foolish as to believe them especially now that I've had a chance to re-evaluate the situation. The next store was XXXX in XXXX 's where I purchased another card for {$500.00} and then the final store was XXXX where I purchased 10 cards for XXXX. I was to give the man the back numbers of the cards and then of course they convinced me that I'd have to go to more and more stores yet by this time I was at the airport and I couldn't do anymore purchases- thank goodness. My family is very unhappy with me. 
I do have all of the receipts : 1- XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX for {$500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ... XXXX {$500.00}. 
3rd Store : XXXX : XXXX XXXX, XXXX XXXX XXXX # XXXX VCD # XXXX {$1000.00} I did contact US Bank within 2 hours of this happening. I also called XXXX XXXX. 
US Bank said that nothing could be done to help me. I spoke with a friend that told me to contact Consumer Protection Agency. I have contacted the Sheriff 's Dept. and they referred me to file a complaint with the FBI. 
I do not have a call back number for the people that contacted me yet I did receive 15 calls back from the man that had me do this and he wants to send me a check for the XXXX. Yet, he had someone else use his name and the man tried to get all of my banking information, which I did not give to him yet he was able to get onto my laptop. 
However, I hung up on him and he has since called me back over 20 times yet I'm not answering any of his calls. Now his calls come in on No Caller ID. 
I figure that if anyone wants to talk to me that they'll leave a message. 
Is there anything that can be done to help me with this {$2000.00} situation? 
I do understand why US Bank doesn't want to stop the payments because the hackers had already cashed in the XXXX XXXX cards and XXXX XXXX cards. 
This has been really hard on me since I am a widow and I need to feel that I can take care of myself without my family coming down on me rather hard for being so foolish.
I received a letter from Mitchell D. Bluhm & Associates, XXXX from XXXX, TX indicating of a debt of {$160.00}. I wrote a letter requesting proof of the debt they claim I owe. I received a response from Mitchell D. Bluhm & Assoc. Attached is a Statement of Account indicating I owe {$160.00} and a print out from XXXX XXXX XXXX XXXX Hospital indicating patient balance is XXXX. If I owe this amount I do n't mind being responsible for it, however, I need more proof than what they have provided. Based on what they provided it indicates I have a XXXX balance.
XXXX XXXX is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to XXXX several times and received NO reply from them at al ....
Conserve first contacted me at my place of employment in XXXX 2016. I work in XXXX and can not accept personal phone calls at my desk. I specifically told the person that called that day to NEVER contact me at work again, and that I would get in trouble if they continued to contact me at work. I also gave her my personal phone number for all future contact. Since then, I have filed for a Student Loan Consolidation. Conserve is aware that I have filed for consolidation as they sent me a letter stating they had received a copy of my application from my loan servicer. Nevertheless, they continue to call me daily, and have called at least two more times to my place of employment. ( XXXX and XXXX ).
A t  XX/XX/XXXX , I  traveled with my friend from  XXXX  to  XXXX . My friend  is at North Dakota, I picked  him up  at North Dakota, then  we went to  XXXX . My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The seco nd day I rece ived alert information form   XXXX   and DISCOVER, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from  Discover, that showed me they will close my account, give me 2 reasons. But those reasons are not mine, every time, I paid my bill on time, and whole bill not partly bill. I never get this   situation.Still now I have  XXXX  benefits for my  Discover, they did not return that to me.I think that is very unfair to me to close my account by Discover. Please, check it. I promise every words are truth.I have case number by police office.
CRA violation. I have no knowledge of the fraudulent accounts that appeared on my credit report. My FTC ID Theft Report Number is XXXX.
XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from Discover / XXXX XXXX XXXX. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX   was filed in XX/XX/XXXX they was only notified Discover closed my account in XX/XX/XXXX and reported me late and discharged through bankruptcy.

i reported them as inaccurate. I had a XXXX balance at the time that i filed in XX/XX/XXXX. owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XX/XX/XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX  case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed Discover any money never late and never was discharged under chapter XXXX/ XXXX paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account
I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and Transunion have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by XXXX. 

Both XXXX  and Transunion have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by XXXX. 

XXXX has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

XXXX  has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.
When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, XXXX and receive XXXX direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms. Qualifying Direct Deposits include payroll through an employer, Social Security XXXX XXXX Deposits, Fixed Income Direct Deposits, and government benefits ; I received XXXX ACH deposits of {$250.00} each on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, they were both payments from my part-time employer XXXX and XXXX.
Wells Fargo Bank, Home Mortgage insists that their on-line site is safe, but if it's safe how did my payments from XX/XX/XXXX and XX/XX/XXXX go missing? Wells Fargo Bank 's site is not safe. Wells Fargo Bank , Home Mortgage insists that I did not make these payments, but I am sending my records proving when these payments were made on their on-line site, which were stolen during transmission from the Wells Fargo Bank on-line site. Now they claim I have not paid off my mortgage loan, but I did. Wells Fargo Bank, Home Mortgage has been charging me late fees and other penalties since XX/XX/XXXX, which they must return to me immediately. Wells Fargo Bank employee at the branch location in XXXX, TX gave out my and other mortgage loan numbers to known criminals. Wells Fargo Bank has been attempting to deny this fact and trying to claim I owe money because a loan was given to criminals using my mortgage account number as collateral. I did not take this loan and I refuse to pay back a loan that was given to known criminals.
On XX/XX/XXXX my car was in an accident. Subsequently, my insurance company totaled the car and paid off the loan company Flagship Credit Acceptance in the amount of $ XXXX I contacted the loan company in XX/XX/XXXX to determine if I had a balance of any kind. I was told no and my title would be in the mail. The representative stated that I was paid up until XX/XX/XXXX and I had no balance. He also stated that I should make my GAP insurance company aware of my payments and I should receive XX/XX/XXXX and XX/XX/XXXX 's payment back. Early XX/XX/XXXX, I receive my title in the mail. Come late XX/XX/XXXX, I receive an invoice from Flagship stating I owe {$0.00} ( I have the statement ). Then in XX/XX/XXXX, I get another invoice stating that I owe $ XXXX. I contacted Flagship immediately but I was unable to gain access to a customer service agent and my call was dumped. I tried several more times with no success. On XX/XX/XXXX when I arrived home in the mail was another invoice from Flagship stating I now owed them $ XXXX. Once again I phoned them and my call was dumped. If you press 4 for a customer service agent it refers you to their website. So I used my daughter 's phone to make the call and I was able to get an agent on the phone immediately. Before I gave them my social security number or account number I explained to XXXX in the PA office I would need the help of a manager immediately. She placed me on hold briefly. Agent XXXX took over the call. I explained to her what was going on and that I needed answers. She began to tell me that there must be an issue with the phone systems and the IT department should be notified. She begins to put together a story in the company 's favor. But, she kept changing the information. First, she said, I was credited for 1 payment on XX/XX/XXXX and another on the XX/XX/XXXX. Then she said I was credited for 2 payments on the XX/XX/XXXX but 10 minutes later in the conversation, she said my payment was returned to the bank on XX/XX/XXXX and XX/XX/XXXX. But I pulled up my bank statements and it indicates Flagship took the money. Then she said that the statement dated XX/XX/XXXX, I had was not possible because it says I owed {$0.00} when I have it in my possession. She also claims there was no record of my phone call in XX/XX/XXXX. She said she would request an audit of my account and get back to me. The is tasked with providing accurate information down to the penny and they are failing and should be investigated.
There is a balance of about {$980.00} on my credit. I For Focus management.. 
It was not mine.I called the original company which is XXXX XXXX. Gave them the account number they verified uts nit mine. I have deputed with XXXX and XXXX  twice.XXXX was the only one to remove it.. 
They refuse to remove.I have also contacted XXXX XXXX XXXX XXXX Gave them the account number that shows on my credit. Its not mine its my daughters from her previous address.
I made a report of fraud that some did still from my account so they resolved and closed permanently. But I also told they that they had credited me from the other company so I assumed they would just take the it off but no they waited three month then they take it of my account they knowingly waited that long to do that and harass me. There suppose to protect me from fraud as soon as it happens and not put me in a situation that contradicts what you did.
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I made the mistake of pre scheduling a bill to be paid of XXXX to XXXX XXXX via on line pay through my virtual wallet months ago. I scheduled this bill to be paid when I was still a customer of XXXX. I paid this bill when I no longer had the service and had been a customer of XXXX for months. This payment of XXXX caused me to go into overdraft ; I was then charged XXXX payments totally XXXX. XXXX XXXX charge was for a payment made to XXXX for XXXX. I had enough to cover this bill, but did not have enough to cover my car insurance. Both would have been covered without penalty if I had not made the mistake of paying XXXX XXXX. 
{$70.00} is A lot to my family and I. We can not afford XXXX. My income is beyond tight. I am begging PNC to please review my account, acknowledge I am not XXXX to go into overdraft, and if not for the mistake of paying XXXX to XXXX, I would not have going into overdraft. I spoke with a CSR and she stated she was unable to reverse the overdraft fee because XXXX was forgiven in the past. Again, I ask that you review my account and acknowledge that I have been beyond attentive, and avoided over drafts. Due to this XXXX mistake of a pre scheduled bill payment for a service I no longer have, I am now forced to pay XXXX which is food for my family and I. XXXX XXXX stated they are refunding the sum of XXXX via pre paid card.
I moved into XXXX XXXX in XXXX, GA onXX/XX/XXXX, 2017 and during my walk throughout without anyone from management I found pet hair throughout the apartment. I had an XXXX reaction sleeping in the apartment and notified the office immediately. They had someone come out and clean the carpet XX/XX/XXXX/17. That didn't work and I was still having health issues so they had some come do and XXXX cleaning which I had to be out of my apartment for all day. I told the office pet hair was still in the carpet and due to my XXXX I would have to move out since they didn't replace the carpet. I'm being charged for having to move out due their negligence of properly cleaning the apartment and feel I shouldn't be charged for having to move early because I'm XXXX. I told them I hadn't moved all my things in yet so whatever needed to be remove the carpet, etc could be. This is affecting my credit and I've tried working this out with them several times. I'm being charged {$1900.00} for termination
I 'm actually the third party in this case. 

I received a call and a voicemail from XXXX LTD Financial. She identified herself and the company as a debt collector and asked me to provide call her back at XXXX XXXX XXXX XXXX and provide a certain reference number. 

I called back and never identified myself. I provided the reference number to XXXX and asked who she was trying to reach. She gave me the name of someone who is not me and I said that I verified that I was not that person, then she read back the reference number incorrectly, and I corrected the reference number and she gave me a second name. This was not me either. She asked if I knew the person and to tell them to call her. 

It seems wrong that they could be telling me or anyone else that someone else is behind on their debts based on mistaken contact information. If I 'm not mistaken this is also illegal under the FDCPA.
Collection agency Credit Collection Services collecting on a fraud Debt that does not Belong to me for {$100.00} File number XXXX and i request a cease and desist collections on this disputed fraud amount that does not belong to me.
I called Renton Collections today to pay a debt in collections from an ambulance ride I was given after having a XXXX XXXX shortly after Hurricane XXXX forced me to relocate from XXXX XXXX to the XXXX area. 

My credit report showed the debt as {$1000.00}. But when I gave my credit card information to the woman ( XXXX XXXX ) assisting me over the phone, she charged me {$1600.00}. She explained that the nearly XXXX additional dollars were due to interest. I agreed to pay that amount in full, but requested an itemized breakdown of the accrued interest showing how we got to that number today. 

She refused, and instead emailed me a proof of payment showing the total amount charged, but without explaining how that amount was arrived at. She told me that information would be available if I made a request in writing. I asked to speak with someone else in the organization who may be able to help. XXXX first refused to transfer me, explaining that she was the manager, but eventually transferred me to XXXX XXXX. 

XXXX also refused to provide me with any sort of written breakdown of the figure I had just paid. At one point he suggested that I was a criminal for " not paying to good doctors who provided me with such good service ''. 

XXXX transfered me back to XXXX. XXXX continued to refuse to provide me with the information I was requesting, showing how the debt increased. Both XXXX and XXXX told me multiple times to go to " XXXX and use the calculator to figure out how interest works. '' When I reminded XXXX that she had earlier offered to send me this information if I made a formal request, she backtracked and said that Renton Collections would forward my request to their lawyers and then decide if they could share anything with me. 

XXXX told me at the end of my call that I was a special case and that they were wiping my collection notice off of my credit report because they had never called me to tell me about the debt. She said that records showed they had mailed me once at a XXXX address that I do not actually live at. 

XXXX also suggested that she could put the debt collection notice back onto my credit report " if I wanted her to ''. 

I have an email from XXXXXXXXXXXX showing I paid {$1600.00} today, but have been refused an itemized breakdown of the debt, or even proof that the debt was owned by Renton Collections.
XXXX XXXX account added to credit report for amount of {$2700.00}. Then later updated as a collection account through internal collections, XXXX XXXX XXXX. Verification nor validation received upon request. Later received a collection debt letter from ERC, dated XX/XX/2018 stating that they were authorized to resolve account for less than amount owed for {$1700.00}. I sent a validation request to ERC. Received a response letter from XXXX XXXX dated XX/XX/2018 stating that it ( the letter ) received serves as validation that I owe a debt to XXXX XXXX. No documentation was received showing proof of validation.
For the past 5 months I have not been able to pay this loan through the banks online portal. I have to either call every month or go to a branch. When calling I am placed on hold for 15-20 minutes and I have to pay a fee to pay the loan. If I got into a branch I have to drive 20 or so minutes just to get to the branch. I have called the bank around 10 times and spent 10-15 hours on the phone with them trying to address these issues. The best answer I get is " our system just won't let us do that. '' There has been no talk of a resolution and literally no help whatsoever. I was given a personal email of a employee who I should be able to contact and they will take care of this personally. However, that employee does not respond to any emails. I was specifically told I could pay this through their online portal. This loan renews every year. This is the 5th year I have had it. Every single payment before this year was made through the online system. The trouble I have to go through to make this loan is almost preventing me from being able to make the payments on time because I have to set aside about 1 hour to do it. Either 1 hour waiting on the phone and convincing them that I shouldn't have to pay the fee OR going to the branch and doing the same thing.