WillisBack/dataset-financial-user-claim huggingface dataset:
For Several months I have repeatedly reached out to National Credit Systems , Inc. in regards to them reporting false, inaccurate, and misleading information on my credit report. With proof of identity theft I have responded with completion of there fraud package, my police report, sign affidavit of my identity and copies of my identification and social security number. This company has repeatedly failed to adhere to the law and has in fact violated the Federal Fair Credit Reporting Act.

First attempt was made XX/XX/XXXX and I informed the associate that I was a victim of identity theft. He notified me that he would send out a fraud package. I later returned that package within a few days. I followed up with a call and the company verified that they received it. For several months I continued to send correspondence via. mail. 

Attempt 2 : XXXX XXXX XX/XX/XXXX : A phone call was placed to National Credit Systems at ( XXXX ) XXXX XXXX. After first being forwarded to a collection agent I was HUNG UP ON! At XXXX XXXX a second phone call was placed and a lady by the name of XXXX forwarded me to a XXXX XXXX who stated that he was a supervisor of the department and that he in fact had no manger above him that i can speak with in regards to the case. A return phone number was provided and Mr. XXXX stated that it would be forwarded. At this time of XX/XX/XXXX no return phone call has still never been made and they continue to break the law. 

All calls have been recorded. 

Last Attempt was made today XX/XX/XXXX at XXXX XXXX Eastern time to their office and after being hung up on twice after simply saying that I was a customer calling about a debt I then, called for a third time an spoke with XXXX again, who this time forwarded me to XXXX XXXX who then verified again that they did indeed receive all of my correspondents and that I can not talk to anyone in the department to properly get the matter resolved and it could take months longer! It has been over a year that this company continues to report false information on my credit report and has cost me employment wages and opportunities along with emotional stress. 

The amount of the inaccurate debt is {$5300.00} and I do not owe this debt or have ever done business with the company that they are referring to.
At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, XXXX, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company!
Helped a friend to purchase a car in 2012. I got financed through Lobel financial. Few months later due to friend being laid off, car was repossessed. Car ended up being sold at an auction, & balance that remained on loan was after them selling car was about {$5400.00}. My wages have been garnished since 2012. Every two weeks. I set up arrangements in 2012. 5 years I have been having $ come out of checks which is about {$3000.00} so far. When I noticed on my credit report that balance keeps going up and reflects no payments ever made, I called XXXX Sheriffs office, ( where Lobel said is responsible for garnishment ) when I called, I was told since my payments are set up as low monthly payments, that all my payments have been going to interest and fees to sheriffs office for their collection fee & my balance has gone up as it reflects no payments. So all these years & {$3000.00} has done nothing to amount owed. This is ridiculous!! & seems very illegal. I was never told their was a sheriff fee or interest on account when setting up monthly payments in 2012. I want amount due to reflect my payments that have been made for last 5 years on my credit report, & it to be reported monthly payments are being made.
ONLINE INFORMATION SERVI has reported items that I don't know where they come from as doesn't specify who is the client. If this account is regarding XXXX XXXX it should be under the Charity program.
Bank of America continuously charges impoverished people like me XXXX overdraft fees. I struggle to cover them. They keep charging the fees to keep the account balance negative in order to charge more fees. I have paid over {$100.00} this month in fees alone. On XX/XX/XXXX, I went to an ATM to put cash in to cover an overdraft. The ATM would not take cash. On XX/XX/XXXX, I went to a different bank of america to deposit money to cover the overdraft. I did so. On XX/XX/XXXX, they charged me an extended overdraft fee anyway, simply dating it XX/XX/XXXX. They refuse to remove these fees. I am trying to care for a XXXX parent, and I do n't have much money. Yet bank of america makes {$100.00} in fees off me every month, at least. They charge fees on their fees. They foster a negative balance to get more fees. This is a racket.
To Whom It May Concern : I have had an ongoing issue with American Express dispute resolution. Back in XXXX I purchased XXXX pairs of shoes from XXXX for {$1500.00}, XXXX. None of the shoes fit, so it was returned right away back to XXXX as described in instructions. The items were sent to : XXXX Returns Service XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. I sent them first time by XXXX ; Mon XXXX/XXXX/2016 Tracking # XXXX. They returned without saying anything. I then thought it was a mistake, sent it back again by XXXX overnight, Wed XXXX/XXXX/2016 Tracking # XXXX. Few weeks later, it was returned again. And one more : Tue XXXX/XXXX/2016 Tracking # XXXX. Then I got the items back, and I contacted American Express via the chat system asking what shall I do - I have useless shoes and the XXXX is playing games. The customer service reassured that they have no problems to resolve such cases, saying " they have no reason to disappoint me ''. I was instructed not to send anything to XXXX, and if anything is needed I will receive further instructions from the dispute department. 20 days later - the case is denied, saying I have the merchandise and I am not entitled to refund because of that. So I sent the merchandise back to XXXX one more time : Wed XXXX/XXXX/2016 Tracking # XXXX. No return was received. So first case was denied, because XXXX says " items were returned/not authentic ''. I then reopened the case, saying it was returned and accepted. So the case was reopened, I got a letter from Amex asking for a proof of return, they got it, wasted another XXXX3 weeks, and denied the case, saying its not my problem. 

At this point, I have no shoes, I have to pay to American Express, they do n't let me talk to investigator, saying that they are not even in the US and they do n't have phone numbers. 

To me it looks like American Express has illegal deals with big stores, which results in denial of all claims as long as it is not fraud. American Express suggested to file me a fraud claim if I want to " have a different outcome ''. 

Please investigate the whole issue, and help me to get the proper resolution in this case. I will be filing more complaints with other agencies and probably social media/news outlets to let others know how American Express is operating. 


Sincerely, XXXX XXXX
RE-OCCURING ISSUE Case number : XXXX The lender has not addressed the issue. The question is, is it legal to force mortgage underwriters to apply disparate treatment while underwriting loans? If the company feels that this is not the correct forum to address this then maybe the Department of Justice would be a better agency.
I have a private student loan through navient. I've been repaying on my loan for 10 years and the balance has stayed the same. How can I pay on something for 10 years and not even knock out the interest! Please help!
I am being harassed by the CCS Companies, the phone number they are using to harass me is XXXX or XXXX of their many affiliates " SPOOF '' numbers. They have been calling me for the last 25 days, they are trying to collect a debt I do not owe. I am not the person they are looking for and I am not the person who owes the debt. 

They call XXXX three times a day including Saturdays at all odd hours. Their actions are those of an omnipotent cartel with a national reach, trying to collect on a bad debts with a management philosophy that is ruthless, relentless and as determined as that XXXX ; with no regards to the innocent lives they destroy. I am tired of their unwarranted harassment and abuse. I am afraid to pick up the phone when they call because they can be very impolite and aggressive. I suspect they are trying to pressure me into paying a debt I do not owe. 

Below I have listed the dates and the number of calls per day from their XXXX number : XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Call XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls The above listed calls from XXXX does not include over XXXX " SPOOF '' numbers I suspect they have used to call me.
Monarch Recovery XXXX Calls and messages have used extremely abusive tactics. One agent claimed to be a law office and said they had repeatedly sent communications to my address that were not responded to, so they were going to file with the local courthouse ( not named ). This was false. Yesterday an agent claimed they were from a local courier agency ( not named ) and that they were required to show up to both my employer and my home that day. Of course, nobody came.There have been repeated calls to my mother, grandmother, my mom 's ex husband, and my ex husband. One agent revealed my financial information including the amount of the debt to the family members they have called.
XX/XX/2018 Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

I received a cancellation of debt notice from XXXX , XXXX dba XXXX XXXX , XXXX in XX/XX/2018 indicating that a debt that I supposedly owe XXXX XXXX had been discharged in the amount of {$1200.00} dollars. 

On XX/XX/2018, I sent a letter along with a copy of the cancellation of debt notice to XXXX , XXXX dba XXXX XXXX , XXXX disputing this alleged debt and requested validation of the debt. Thirty days passed with no response from them. After failing to respond to my request, a second request for validation of the alleged debt was sent on XX/XX/2018. I  included a copy of my previous letter, a second copy of the cancellation of debt notice, and a copy of the mail receipt showing that XXXX , XXXX dba XXXX XXXX , XXXX received my first request for validation of debt letter on XX/XX/2018. 

XXXX , XXXX dba XXXX XXXX , XXXX responded with a letter and a copy of a check that I supposedly signed and cashed ; however, after carefully reviewing the check, I still disputed the validity of the alleged debt. The check states that a Payees endorsement and 2 forms of ID are required. XXXX , XXXX dba XXXX XXXX , XXXX did not enclose a copy of the 2 forms of ID used proving that I indeed endorsed the check. Identity theft is rampant in the world that we live in today, and a signature can easily be forged by anyone. 

I am requesting that this item be deleted immediately from my credit file because XXXX , XXXX dba XXXX XXXX , XXXX has failed to validate this debt. Please send me an updated copy of my credit report reflecting this change. 

Sincerely, Enclosure
I lived in an Apartment Complex from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, there was a question on what was owed for damages ( which at the time was XXXX and now is owned by XXXX XXXX ). The complex apartment is called XXXX XXXX XXXX, located in XXXX, NY. At around XX/XX/XXXX, I started receiving collection phone calls for a balance of of over {$2000.00}. Part of the debate with the apartment complex was over the carpet that had gotten damaged by pets. The apartment 's claim was the carpet was brand new. I had debated this fact as I had found furniture impressions and earrings stuck in the carpet. After uncovering these facts and what had already been paid through security deposits and pet deposits, my adjusted balance ( which I received from the complex and what was supposed to be forwarded to the collection agency ) was {$400.00}, as what was listed on my e-mails. After not hearing anything from the complex nor the collection agency, it had been a forgotten issue until it showed up on my credit report in XX/XX/XXXX. At no time, from the time I moved out in XX/XX/XXXX until this point, I have not received any correspondance that had any amount or actually owing the debt.
I went to Wells Fargo to open a joint checking account on XX/XX/XXXX. I was turned down by there XXXX because Wells Fargo was reporting that I had a charged off credit card with them and owed them money. The banker contacted the credit department and the recovery department both showed I paid off the account in XXXX. When you review my credit report it also shows that I paid off the credit card in XXXX. After over an hour on the phone, the banker was unable to resolve the issue and said they would need to refer it to an escalation team. 

This seems to be a new error that has popped up because I was able to open a new checking account with Wells Fargo back in XXXX which would have been after the supposed nonpayment on this credit card.
I wrote a letter to Experian and XXXX on XX/XX/XXXX about 11 negative accounts all with account # XXXX .... from XXXX XXXX for various amounts and 1 negative account from XXXX XXXX account # XXXX. I asked for verification and/or validation of the original instrument of indebtedness by way of contract or signed agreement. Experian responded that they verified the debt with the company and I needed to contact XXXX XXXX for any paper work. I did just that. On XX/XX/XXXX I wrote a letter to XXXX XXXX and XXXX XXXX directly asking for the same information. As of this date XX/XX/XXXX I have not received any response of validation and/or verification. I sent another letter to both Experian and XXXX on XX/XX/XXXX letting them both know that I had not received any response of validation or verification in the time frame specified by law under the FDCPA and the FCRA of 30 days, and that the debts should be removed from my credit report. As of this date I have not received a updated credit report and credit score.
I would linke to request that HUNTER WARFIELD verify the following information : 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of first delinquency 6. Dates and times of any phone calls made and to what phone number in attempt to contact me concerning the alleged debt before it was reported to CRA, and so proving that these calls were made within the times governed by the FDCPA law.

If HUNTER WARFIELD is unable to provide the above identifying account information, this account must be deleted from all CRAs. HUNTER WARFIELD also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

I've spoken with them numerous times about the validation of this debt. They've provided me with documentation that doesn't prove what debt is owed. Also, my signature is not on any of the paperwork. I never received any notices from this company. I didn't know I owed this debt until it showed up on my credit report. Please remove from my credit report immediately.
On XX/XX/18, XX/XX/18, and XX/XX/18 I sent XXXX, XXXX, and Transunion certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.
In XXXX of XXXX I accessed my free credit report with all 3 reporting agencies. For the last three years I was not able to access Transunion 's only XXXX and XXXX. Transunion would state there was a problem then prompt me to pay for the report. This year was the first time I was able to access. Transuion had multiple addresses that were not mine, ever that I had to dispute. Transuiion had no current employer information. They had my current employer as XXXX XXXX which I worked at almost 30 years ago. I submitted my current address and was able to delete all of the incorrect phone numbers which were over 20. Transunion had a Date of Birth for me reflecting XX/XX/XXXX. How did it get there I don't know. When I asked them they merely stated that I needed to submit to them my birth certificate in order for them to change it. I was furious! How is it that XXXX and XXXX   has the correct information but they do not? How is it that someone was able to go into this credit report and change it? Was it a Transunion employee? was it someone posing as me? I am well over 40 with XXXX daughter in college in another state and XXXX who just got accepted. I was denied a loan that pulled A Transunion report, and I didn't understand why until now. If the DOB information did not match, then it would have looked like I wasn't who I was claiming to be. IRS, CA DMV has my correct date of Birth, why doesn't this federal entity? I filed 2 complaints with the  FTC. I spoke with a representative today which told me to file a complaint with this unit. Can you please investigate and see how long this information has been this way? As well as who submitted an incorrect DOB on my Transunion Report? I currently have security freezes on all 3 reports that fall of in XX/XX/XXXX due to possible identity theft with a company posing as real employers on XXXX and had Homeland security forms. I reported it to Ca Attorneys Generals Office as well as the FTC
i deposited a check in to my Chase account for {$21000.00} on XX/XX/XXXX, XXXX the check was from XXXX XXXX XXXX . the amount showed up in my Chase account and the value date is 2 business days. After, Chase decided to put a hold on the check and when i called several times to ask why, they had no answer for the next 11 days. i saw that the amount was already withdrawn from the XXXX XXXX XXXX Account the same day as my depositing the check. No explanation from Chase Bank as to why the hold in the first place. and after 11 days of me asking the same question over and over again, i got nowhere. Only after complaining to the executive office of the customer service, that someone called and told me the hold is off. after 11 days from depositing, with no explanation other than telling me the funds are available NOW, the XXXX of XXXX. I also asked them as to why the Hold? and no explanation. I also asked to have some sort of a paper stating when exactly the actual funds were available, they said they can not provide anything like that and that the funds are in my account off of hold as of today, XX/XX/XXXX, XXXX i would like to know why they put a hold on my deposited check? i would like to know why the funds were not available in my account for my use for 11 days? Knowing that the check amount was cleared from XXXX XXXX XXXX. And what do i do if this happens again, as it has previously.The company never provided me the date of when the money came in and why it was being held, the company also open a case on XX/XX/XXXX.
Midwest Recovery Systems added a collection account from XXXX to my credit report from a company that is not licensed payday loan company in the United States. I did not open it payday loan with XXXX it was a fraudulent company with no internet address of a physical address or telephone number there is no supporting documents stating exactly when the account was reported delinquent or an account number
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of $XXXX that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you cannot provide adequate documentation showing that I have ever done business with Security Credit Services with my signature on it than you must remove this negative tradeline from my credit report at once. Once again you do NOT have permission to contact me by phycial mail, e-mail, nor phone.
Collector sent me a notice that stated I owed XXXX for XXXX. 
I do not owe anything to XXXX and have not used XXXX for over 10 years. I 'm an accountant and I pay all my bills on time. I do NOT owe anything to XXXX. 

The company 's name is IC System phone XXXX Address : XXXX XXXX XXXX XXXX XXXX MN XXXX Also, this company called me first, and asked for my address. They did not disclose who they were and that they were trying to collect a debt. Also, I have been getting phone calls from all over the United States. They call and then hang up.
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Texas XXXX Acct XXXX This is the information, I did everything asked of me. To get the agreement in yet Ocwen is again trying to deny my modification. This is wrong i am now being asked to fill out yet a 4th package and this is wrong I paid {$50.00} to have this notarized. I want my disaster modification reinstated. This have been a nightmare dealing with Ocwen. I am beginning to get sick behind this. I had XXXX and now i am getting sick behind this. Ocwen have tried to sale my house 5 times now. This is wrong. I live in a declared disaster area. If this is not taken care of i will be forced to retain a lawyer. Because i did all that was asked of me the package was delivered on time and notarized on time and i have included proof. That i did all i was asked. They should be calling the notary man. If his part is wrong its not my fault. Ocwen need to call that man and ask. Because all that was required of me was completed before the XXXX i am not a notary so i do not know the rules. As to what his ( notery ) is supposed to do signiture wise or whatever. So i would not have known this was incorrect at all. Had i known i would have had the man correct it asap. Ocwen is yet again trying to deny my modification on wrongfully accusing me of sending them copies instead of orginals.
I disputed inaccurate information with Experian XXXX/XXXX/2015 stating the dates of last { DLA } activity on account is wrong.XXXX is reporting inaccurate information, I have provided you with a copies of Experian credit report, They said the account open XX/XX/XXXX- XX/XX/XXXX first reported there 's is a 3 years gape in reporting information 's. XXXX XXXX blatantly violating federal Law and miss-representing the Date of last Activity