WillisBack/dataset-financial-user-claim huggingface dataset:
This complain is about XXXX XXXX XXXX Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XXXX XXXX this account is schedule to continue on record until XXXX XXXX as of XXXX XXXX it was not on XXXX no more making the Date of XXXX Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of XXXX Date of Delinquency ) On XXXX XXXX XXXX reports to XXXX XXXX Date of Delinquency as XXXX XXXX. As of XXXX XXXX its reports to XXXX XXXX Date of Delinquency XXXX XXXX. As of XXXX XXXX XXXX Deleted it after finding inaccuracies on Dates of XXXX Delinquency reported. XXXX still reporting to XXXX I am currently disputing it with XXXX.
I am filing this XXXX dispute in referenced to the accounts listed above in my original dispute to Experian. I have disputed these alleged accounts information as inaccurate with Experian, and Experian has come back to me and stated that you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, along with XXXX XXXX XXXX myself and have been unable to get them to verify that these alleged accounts are indeed my debts. 
I enclose copies of my requests for them to " Validate '' my debts, and the receipts showing that I sent these letter certified signature request. These alleged debts are not mine and I was given any evidence of my obligation to pay this debt to the collection company 's listed above in my original dispute letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
I received a letter from Guaranteed Rate stating that I have not provided " Hazard Insurance '' for my home located at XXXX XXXX XXXX XXXX XXXX IL XXXX. They paid the bill and received the rider for the insurance in XXXX from escrow. We have a previous complaint that was filed although they replied with a resolution it was not just. At this point they are just harassing me for no reason at all. I will attach a letter from Guaranteed rate that specifically recognizes the coverage and yet we receive letters requesting proof of insurance. Also, I will attach the invoice that was paid out of escrow ( LATE! ) by Guaranteed rate. Harassment, plain and simple.
On XXXX/XXXX/16 I used Chase " Quick Pay '' to send {$3400.00} to a relative who is also banks with Chase. On XXXX/XXXX/16 Chase deducted second ( duplicate ) {$3400.00} which was never authorized. My relative to whom I send the money called me on XXXX/XXXX/16 to notify me that a second deposit had been made to her account. 
OnXXXX at XXXX I called Chase Private Client Banking in an attempt to rectify the situation. I was told they would contact my private banker and/or branch manager at the XXXX XXXX California ( XXXX XXXX ) to contact me. As of XXXX on XXXX/XXXX/16 no one has contacted me. 
I called the XXXX XXXX number a second time and was transferred to the branch phone line which went to an voice message saying to please call back another time. 
I called XXXX XXXX a third time and was told I need to speak to a debit resolution speciality ( or some title to that effect ). The wait time to speak to said person is in excess of 30-minutes. I am unable to wait on hold that long for them to rectify a debit that was made in error on the part of Chase Bank.
I have contacted Transunion multiple times via correspondence for reporting a collection on my credit that does not belong to me. The collection is XXXX XXXX account number XXXX. This account is in violation of my consumer rights and even XXXX and XXXX  removed it from my credit report. This is causing me a lot of distress because of their negligence.
I disputed a fraudulent account from XXXX XXXX  Acct # XXXX open on XX/XX/XXXX. I disputed this account on XX/XX/XXXX it was deleted on XX/XX/XXXX only to be place back on my Experian credit report. I have dispute 2 more time with an resolution of verified. I ask for the verification but have not received anything.
I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX Card services is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all three bureaus and repeatedly disputed directly with XXXX XXXX - Cardmember Services. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, XXXX, and Experian. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Experian on behalf of this matter of XXXX XXXX.
I have health insurance and I discovered a debt in collections through my credit report. I have a collection showing for XXXX in the amount of {$140.00}. This debt is not legitimate. I have requested debt validation and verification which has not been provided to me. I have also never received anything showing where this comes from. I believe it is an error.
Hi ... I have been receiving notices and excessive amount of phone calls regarding the debt I already paid for 4 years ago. I did a XXXX procedure with no insurance and as been a cash customer I have given a discount of {$1000.00}, I have a invoice showing the discount and have sent them to the respective companies requesting for that same payment. My account was paid in full in 2014. I really do not understand why this amount has gone to the collections department when I have sent various letters and the invoice to show them that it was a DISCOUNT given by the branch I was been seen at. 

Despite providing everything I still receive phone calls daily and notices regarding the amount. Please help me to solve this ASAP.
I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX  ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Foreclosure sale date of XXXX needs to be stopped. 

I submitted a request for a modification on XXXX, almost a month ago.
We purchased our home in XXXX for {$100000.00}. In these 18 years we have absolutely nothing to show for it because we now owe {$160000.00} because of mortgage fees, etc. Our loan has a huge " Balloon '' payment due at maturity. In XXXX we were granted a modification with Ocwen. At that time, we were told that Ocwen would " forgive '' roughly {$40000.00} of our " underwater '' mortgage if we kept up with our payments for a specified time. This " forgiveness '' was part of a Settlement that Ocwen had to comply with. During this modification, we lapsed in payment and were told that the " forgiveness '' was null and void. A couple of months later, their lawyer contacted us & scheduled " meetings '' with the court over the phone with me. During those meetings, Ocwen decided to offer a new payment ( {$830.00} ) to us which was {$250.00} HIGHER than our previous payment. I brought this to their attention on the phone meeting with Ocwen, their lawyer and a court magistrate. I was told by the Ocwen representative that the higher payment was because they were purposely punishing me because of the default on our loan modification. I was dumbfounded. Their lawyer and the magistrate heard this as well and I'm sure this conversation was recorded. We tried making this higher payment but ran into problems when both of our vehicles needed repair. We ended up having to replace one of them and, since we have bad credit, are paying a very high car payment because no other options were available. We both work in different cities and having 2 cars is a must so we can work and provide for ourselves as well as our XXXX children. We're tired of being bullied by Ocwen. We now owe {$160000.00} on our {$100000.00} XXXX XXXX XXXX on XXXX of an acre which is in so much need of repair that we can't afford that either. We want to stay in our home. We want to be able to COMFORTABLY afford the payment. We don't feel we should be penalized by Ocwen any longer. We want the settlement that is owed to us. We want a lower payment. We want to be heard.
American Express XXXX skymiles card never refund me the money I over paid, and they cheated and held my money for 4 months saying they have sent me the check. I requested 3 times for the refund check and still have n't seen it!!!!!!!!! 
I have lived at my current address for 1 year now and never have a single problem with receiving mails or anything!!!!!
Popular Community Bank 's mobile application lists completely surcharge free atms on a map around you. I went to a listed surcharge free atm and was charged an atm fee and a bank fee. When I called Popular Community Bank customer support they said the atm was no longer in their network. Upon further questioning I was told the atm list has n't been updated since XXXX ( 7 days ). They said they 'd only give me a credit for the bank fee and not the atm fee because their system was wrong but it makes me wonder how many other consumers got stiffed with bank fees when unknowingly using atms that had not been removed from the app. I was not able to find out how often this happens. In their 2015 annual report to investors, Popular Community Bank claimed to serve XXXX clients with access to more than XXXX atms. If Popular was incorrectly charging bank fees for XXXX out of the XXXX atms in my community, then how many other communities and clients were affected and how much money in bank fees does Popular make during the time when their atm list is " outdated ''?
On XXXX XXXX, 2015, I was contacted by a woman named XXXX who gave me her phone number and wanted me to contact her. I have this message on voicemail. She did not say this is an attempt to collect a debt. I called the number back which went to voicemail that said it was Atlas Collections from XXXX XXXX Indiana.
This company Fair Collections and Out has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XXXX/XXXX/XXXX in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.
On XX/XX/2018 at XXXX I had a alert on my phone about my account. I check my account on it inform me that it was close. On XX/XX/2018 I got and text from bank of America about a identification code. Call the bank asked them why did send me that code. The representative mention that someone probably trying to hack into my account.i asked will the bank inform me about any fraud, the answer was yes. They close my account what out telling me why they close my account.
I have a FHA loan with quicken loans and have met the equity for it to fall off but I am still being charged for it. Quicken loans is saying that I am required to pay this until I meet the obligation in of the amortization date stated regardless of what my loan to value is.
I have never been late on my credit card payment. I did not receive any documents and sure would not have been late on {$6.00} The rest is service charge for late payment. I received no statement for this purchase and have never been late paying.
When I received my income tax with rushcard in XXXX. I had damaged my card and called for a new one, weeks later I notced I stI 'll have n't received my replacement card I called them and asked what was going on. They told me thy had already sent it out and I sold have reicieved it by now. They went on to tell me what address they sent it to wic was not mine. I had been usin the same address for rush card since XXXX. I do n't know how they got the one that they " sent it to ''. The balance of my account gets sent to me everyday via email and txts. I noticed that I had not XXXX a text from this card I never received stating my balance was XXXX cents. And immediantly called rush card to see what had happened. They told me my card had been activated and used. I told them that it was n't me who did it and tmso they hsd me file a dispute report for all transactions made on that card. It has been since XXXX XXXX that I have been dealing with this. Months later I was told by me calling cm rushcard to ask for an update they told me that all the funds I disputed was going to be returned to me wich was {$800.00}. I was happy, they then told me they will send me a new card. I waited and waited for it to show up and nothing came. I called them back and they said for security reasson I needed to send identification. All the documents were faxed to them and I still have n't received anything. Today I got an email saying that {$72.00} was credited to my account. I again immediantly called them to see why is it so low.?? They told me that there were only XXXX disputes that were fon in my favor. But months ago they told me that allll of t he disputed would be credited to me. I feel lied to, scammed, and chested out of my hard earned money. This isnt fair. I do n't trust anything they say. And I demand answers please help me. It 's been since XXXX I have been waiting for all of my money and today I found out that I 'm only getting not even 10 % back. My email is XXXXXXXXXXXX my phone number is XXXX. Thank you
About 2 months ago, upon getting a notification from XXXX XXXX that there had been a change on my credit report, i discovered a collections account listed as Plusfour for {$25.00}. I immediately proceeded to look up the company and contact them to resolve the issue, as quickly as possible, since I had never been contacted by them nor did I know what this outstanding debt was for. When I spoke to a representative I confirmed my address ( which was incorrect in their system since I had recently moved XXXX ) as well as my phone number, which was still the same. At that time she informed me she could not discuss my account with me because I was no longer a XXXX resident and they were not licensed XXXX. I told her I understood and asked what i needed to do to proceed. She said they would be transferring my account to a company that was licensed XXXX and that it could be XXXX5 days. I waited almost two week and then called Plusfour again because I had still not heard from anyone and I was eager to resolve this, since this was still a negative remark on my credit score that had lowered my score by XXXX points. Once again I was told that they could not discuss my account because I resided XXXX, but the representative did provide me with the phone number with the company that was now handling my account. I went ahead and contacted the XXXX Debt company and was told by the representative that according to her records they did not have any outstanding accounts associated with my name, SSN or phone number. Once again I called Plusfour this time to inform them that the company whose phone they gave said there were no accounts for me. She verified that she gave me the correct information, which she had. I asked to speak to a supervisor and was told he was not in but that he he would review my account, contact the colorado company and then follow up with me, which he never did. 

Almost 2 months have gone by and I have still never been contacted by anyone in order to resolve this issue. As someone with a credit score over XXXX who has never had an account in Collections before this, I am now infiruated that this negative remark is still on my credit report and that although I have done everything in my power to find out what it is about or how to resolve it, i have been unable to. Plus XXXX never called me once in regards to this account before reporting it to the credit bureau, in fact they 've never called me at all. I would have resolved it before it ever got to this point.
Date : Sun XX/XX/2018 Amount : {$170.00} Company : Discover There was a transaction about XXXX and I filed a dispute about the incorrect charge. After receiving the dispute, XXXX rightly cancelled my hotel reservation without notifying me about anything. I contacted Discover to increase the dispute amount and hope to get the entire charge back since the transaction is no longer valid. 
However, Discover refused and kicked the ball to XXXX. Discover customer service said, " you can only dispute once. There is nothing we can change and do to help you. ''
Complaint against : XXXX, TransUnion and XXXX. 
In XX/XX/XXXX, my mortgage company, XXXX XXXX XXXX , XXXX, erroneously reported to the three main credit reporting agencies that my XX/XX/XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XX/XX/XXXX mortgage payment was made on time and was not 30 days late, AUD XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XX/XX/XXXX.

In XX/XX/XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, TransUnion and XXXX   sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent XXXX XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, TransUnion and XXXX on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.
I do not have a signed contract or any contract with Enhanced Recovery company.I have never done business with this company.I am not liable for the debt from XXXX.I am not responsible for this debt from enhanced Recovery company.
This company Portfolio Recovery Associates alleges I owe {$910.00}. I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$910.00}. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.