WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX of 2015 Credit Collection Services began reporting to the XXXX Credit Bureau that I owed them {$130.00} for their Customer XXXX XXXX. In the beginning of XXXX 2015 my balance with XXXX was at {$0.00}. 
On XXXX XXXX, 2015 I faxed a dispute letter to CCS asking them to remove the unverifiable/inaccurate information that was being reported to XXXX. I never received any correspondence form CCS in regards to the debt they were trying to collect. I have yet to speak to a CCS representative or anyone affiliated with them. I have never accepted not acknowledged any debt with or through them. 

After my first dispute letter CCS updated the information which is being reported to XXXX as " Paid Collection '' which is inaccurate and untrue because they have never received any payment or form of communication from me besides dispute letters. I would like to ask for proof of payment from me to their company as well as for them to verify this debt.
I received a loan from Big Picture loans for XXXX dollars. I started making on XX/XX/2016. I have currently made 5 biweekly payments of XXXX dollars totaling XXXX dollars. I was unaware of the high interest of XXXX and payments not going toward my balance. The cost of this loan is XXXX dollars. I feel the loan was misrepresented.
Prancer Capital Corporation has been calling me muilipule times a day every month to try to collect a debt, and leaving detailed messages on my voice mail ( that does NOT have my name attached ) Today for example I was called at XXXX, XXXX XXXX and I declined the call, they then called right back at XXXX XXXX  AND again at XXXX at which point I advised them to stop calling me, and the MANAGER refused stating that they could call me as much and as offen as they liked. 

They have been calling me consistantly twice a day every month starting from the XXXX of the month I have 33 Messages that have been left on my phone since XXXX
My personal information was breached in both the XXXX breach and now the XXXX breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.
On XX/XX/XXXX I requested Synchrony/walmart to validate debt ( acct # XXXX XXXX XXXX ) with my signature and on XX/XX/XXXX below is the letter.
This is a follow up to Case number : XXXX. 
Wells Fargo Bank gave me a response through your agency. However, they were being deceitful ( as explained in my response to their response ). They were being deceitful to you in regards to the actions that my father and I took, namely call the number they gave us to give authorization for the case to proceed. The case is not closed and now that they have the verbal authorization from my father on their audio recording, they are still holding on to the {$600.00} in fees they took from my parents. I have also sent XXXX XXXX of Wells Fargo a hard copy by U.S. Mail informing him/her of the audio recording authorization and they have refused to refund the fees.
I mailed payment for my Discover credit card and they received it on XX/XX/XXXX and processed it the same day however i had post dated the check forXX/XX/XXXX when i called them about the fact that it had been withdrawn early they state by having the details of how they process checks on the back of the tear off portion of the statement that it absolves them of removing funds prior to the day written on the check. 
First off there the only indication there is information on the back is just above the perforation line and all that states is " see reverse for important information '', second there is nothing on the front state this policy of theirs to how they process checks, third i do not believe that by stating that they will " remove funds the day the same day they receive the check '' and that by sending a check i am allowing them to remove funds on the XXXX when I wrote the check for the XXXX. 
Quite frankly i 'm shocked that with as advanced as computers are that it is impossible nor is it time consuming given by their statement that the checks are processed electronically, that somewhere in the their " process '' that a date for the funds to be removed ca n't be added into the program. after all it would make sense for a worker to remove documents from envelope, look up account, scan in check and enter the date written on the check. 
if that is not how they wish to process checks mailed to them then i would prefer that they wrote specifically on the front. will not accept postdated checks as payment and if you wanted to schedule a payment you must go online or call to do so. by not having that on the front of the statement i find it a deceiving practice given over 90 percent would not look on the back of a statement, only look at what consumers believe to be relevant information to them which would be the amount owed, date due, min payment amount, ensuring that the charges if any are accurate and if included a credit score. 
Lastly i do n't understand how they can reconcile the fact the funds were removed prior to the date on the check and sense the check is not considered legal tender until the date of the check, that the transactions in question is in accordance with US law.
A brief history. I am a victim of mortgage fraud and still in federal court because I found fraud on the court. This fraud on the court allowed me to stay in the XXXX XXXX. But as ProSe I made some mistakes. Now XXXX years later I am back at the Supreme Court and need your help. Attached to this email is a letter from Supreme Court telling me my appeal must be properly brought before the court dated XX/XX/2016. Also attached a timely filed brief by me that was restricted from the public with proof of XXXX on the XXXX and Certified Mail XXXX XXXX and lower court certified docket sheet. Also I never signed for any type of home improvement, cash advance or to pay taxes. It was suppose to be a simple refinance for {$59000.00} If you could give me the contact information again by phone or email a great service is done. 
Thanking you in advance. You can call or email me anytime. This is to important and time sensitive. 

XXXX XXXX XXXX
I have received repeated phone calls to my home phone, personal cell, work cell, and work phone starting in XXXX of 2014, and once every ~XXXX weeks from ( XXXX ) XXXX, ext XXXX, referencing a court case against my ex-wife ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Their reference # is XXXX. 

The caller XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have stated that my ex-wife has listed me as a character reference in the court case and the only way that they would stop calling is if my ex-wife provides and affidavit. They refuse to identify their company, provide an address, or refuse to stop calling ; they have called my sister with the same tacticsI have not seen or spoken with my ex-wife in over XXXX years and explained it to them, yet they persist. They have even threatened me with a subpoena if my ex-wife did not contact them. 

I have contacted XXXX XXXX XXXX XXXX and they indicate the judgement listed is closed and suggested I contact their collection agency. I contacted their agency XXXX XXXX XXXX ) and they said they have not been trying to contact me and have no ties with the number listed above. 

They do not ask for anything beyond " do I know my ex-wife 's whereabouts and that she needs to contact them ''.
CBE Group contacted in XXXX, 2015 about a XXXX XXXX XXXX bill for {$830.00}. I paid them on their web site. I just found that they are still telling XXXX that I have not paid, and did so as recently as four months ago.
I agreed to purchase XXXX travel points used for staying at XXXX which they call " XXXX XXXX ''. However, after the down-payment & 1st 2 payments of the cost had been charged to my American Express card, I discovered many problems with the good/services, with limitations to travel and with the actual locations of the " resorts '', so I no longer wished to use this future service, it was not as originally promoted, so under the Fair Credit Billing Act, under quality of service, within the legal time-frame permitted by law & since purchase agreement was made in my state, within XXXX miles of my home, after cancelling with the Merchant, I contacted American Express to file my dispute, cancelling future purchases on card & requesting my {$650.00} to XXXX returned. I called American Express XX/XX/2017. Immediately there were problems with American Express. Later I discovered that the agent typed in a false statement that the reason for the dispute was that I did n't recognize the charges. Absurd, as I had discussed the history of the charges to the agent, emphasizing my need that an upcoming auto-pay around XX/XX/XXXX of the month be stopped along with any future payments to XXXX. A independent customer service survey was sent to me within a day or two of me seeing the false statement in Amex 's " inquiry & dispute center '' attached to my dispute & I stated how completely unsatisfactory my experience had been, stated how the agent error would require me to re-file my dispute since merchant had send copy of the initial purchase agreement causing Amex to cancel my dispute. I re-filed.and when asked to provide documentation of my cancellation, dated XX/XX/2017, I provided it by fax and additionally by USPS, and both submissions were confirmed to me as received by Amex. Since then, the merchant, " XXXX by XXXX '', in spite of having a dispute filed with Amex, has started attacking my good credit by reporting me paying late to XXXX, but has proven receipt of my cancellation notice with my complaints about the XXXX XXXX in that cancellation notice to them by further contact by email regarding those complaints. 
Still, American Express dispute " investigations '' days ago sent me the following : '' In response to our inquiry, the merchant has explained that they were called on XX/XX/2017 for find out the payoff amount however ; they have not been called in to request the cancellation of contract. '' American Express has unquestionably demonstrated unwillingness to be impartial & process this dispute under the legal guidelines, so I 'm hoping to get them followed through you. I understand that the merchant does n't want to lose my money and has proven their only motivation is money, not service satisfaction unlike their CEO 's credo on service, but if in any way my rights under the FCBA were waived because of this agreement, I 'm not aware of it. I will attach the various documents & copies that are printed out, but some additional documentation, email notices of receipt from both American Express and the merchant to substantiate my statements, if needed, remain in my email, and are available if needed.
I requested a copy of my credit report via Annual credit report. I contacted Transunion on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Tranunion stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Tranunion because they had no record of my ever applying for credit with them and stated it was Tranunion 's error. I sent a letter via certified mail on the same day, tracking number XXXX which they received XXXX XXXX, XXXX requesting again for a few credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Transunion explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Transunion even after it has been brought to their attention : XXXX on XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Transunion, immediately remove the aforementioned credit inquiries.
This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. In their response the company indicated That they no longer own the debt and i should contact kmt group which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to KMT.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ 430.00/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you
REGIONAL ACCEPTANCE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you REGIONAL ACCEPTANCE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : REGIONAL ACCEPTANCE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
JP MORGAN CHASE CREDIT CARD REWARDS COMPLAINT On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was in the process of redeeming my XXXX reward points on the Chase Sapphire Preferred credit card when the online system kept on returning an error message each time I was ready to execute the final checkout step. My points are worth {$5200.00} if redeemed for air travel. The error message on the screen informs customer to call the customer service number on the back of the chase credit card. 

However, once the customer service picks the phone, they transfer customer to the travel agents. The travel agent then prefers to complete my booking manually and gets the same error message from their side. The travel agents then transfer me back to customer serviceand the run around recycles. The courteous travel agent decided to transfer me to a supervisor at that point. 

I decided to file complaint after three rounds of the same results when the initial supervisor ( XXXX ) concluded the problem was not with the Chase Rewards systembut was with the vendor ( XXXX XXXX ) and therefore it was best for me ( the CUSTOMER ) to call the VENDOR directly to book my trip. I was at loss of words and after much thought requested to be transferred to the CEOs team charged with handling complaints but was instead transferred to another supervisor ( XXXX ) who understood my problem but could only give me a fax number to the CEO team. 

In my opinion, Chase Rewards online system has a glitch that they need to fix before it becomes a big thing. Also, one may begin to wonder if they Chase IS deliberately trying to fleece customers of accumulated points ... ironically, I don't believe Chase has liquidity problems. 

Thank you, MEMBER-CHASE SAPPHIRE PREFERRED CREDIT CARD
I have a car loan with Bank of America that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.
On Friday XXXX XXXX, 2015 I made a payment at XXXX to Ally Bank for my automobile. There cut off time is XXXX so therefore the payment was made on the XXXX but would not post to me Ally account until the XXXX. I called Ally bank on Saturday XXXX XXXX, 2015 I spoke to a representative and I asked them specifically would that payment be recognized on the XXXX even though it does not post to my account until the XXXX, and if it wont what other payment options do I have because I do not want my credit to affected. The rep from Ally bank told me that it would be recognized on the XXXX even though it was after cut off it will just post to my account on the XXXX but my credit will not be affected. I then went on to ask are they sure and if not can I make a payment that day the XXXX. Once again the rep stated no my credit would be fine and the would see that payment was made before cut off time. Well the rep was wrong and they instantly reported late on XXXX XXXX, 2015 which in turn has destroyed my credit and brought my score down almost XXXX points this is the only negative item affecting my credit right now. I have tried several times to resolve this issue with the company but nothing has been done. I am asking that they hold the word of their employee especially since I offered to pay and they told me no it will not affect my credit. I have contact an attorney because this is not right nor fair. All I am asking is that they remove the XXXX time derogatory remark from credit based on the fact their employee told me it would be ok.
Hi, My name is XXXX XXXX and for the statement closing date of XX/XX/XXXXthere was a balance of {$120.00} on my XXXX account for which I was charged a late fee of {$27.00} because I made the payment on XX/XX/XXXX the payment due date was XX/XX/XXXX. 

Now the problem here is that I tried making payment online and was unable to do because my online XXXX account does not get linked with the credit card. I have complained about it to the XXXX technical team and they had assured me multiple times that this problem will be resolved but apparently this has not been resolved. I am unable to make the payment online. So for everytime I make a purchase for the payment I have to call XXXX 's customer service. I was out of US for close to 4 weeks from XX/XX/XXXX to XX/XX/XXXX and hence I could not call customer service of XXXX. I called the customer service today and they waived the late fee by {$14.00} because they had already waived the late fee in XX/XX/XXXX for the same reason. 

My point is I should be able to make a payment online without any issue. Why should I pay for the mistake by the XXXX technical team? 

Kindly help in this regard. 

Thanks, XXXX
Since I graduated in XX/XX/XXXX ( payments due in XX/XX/XXXX ), Naviemt calls about three times a day and does not leave messages. I checked the FASFA website, looked at all of my last and, and they are not due until XX/XX/XXXX.
Using CREDIT KARMA at XXXX, and viewing my credit report, I disputed a report ( on EQUIFAX the reporting agency ) by XXXX XXXX XXXX who billed me on a balance when they were supposed to refund me a balance. Equifax Credit XXXX agency resolved the issue by taking that report off my credit report. In doing so, Equifax punished and/or penalized me by reducing my Credit Score by forty ( XXXX XXXX points : from XXXX to XXXX, and then added a remark that says, XXXX XXXX '. I had been deathly seek for years and my illness caused me to be financially handicapped. I worked hard to build it back up paying off thousands of dollars in bills that this same agency is slow to give me credit for. I am currently permanently XXXX and a veteran of the United States XXXX. Equifax needs to review their XXXX reporting system. It is not fair. I am now inclined to give up on building my credit if I am going to surfer set backs like this just because I filed a complaint against a business that is clearly at fault. Equifax can not be reached at XXXX or XXXX, or at their convoluted and cumbersome website to resolve this issue. Hence, my resorting to contacting C.F.P.B. Businesses, are always right is the message I am getting here. If I had known that filing a dispute or complaint will bring this much penalty or repercussion I would not have filed XXXX. Please help in resolving this issue. MY INFORMATION IS GATHERED FROM 'CREDIT KARMA.COM ' a website designed to give parallel/combined Credit Reports from Credit Reporting Agencies like Equifax and TransUnion XXXX
I CALLED NETSPEND COPRORATION AFTER BUYING A NETSPEND PAY PAL CARD, IN WHCIH THEY TOLD ME THAT THEY COULDNT ACTIVATE A XXXX WOMENS CARD I BOUGHT THE CARD IN XXXX PAID XXXX DOLLARS AND PREPAID FEE TO PUT THE MONEY ON THE CARD IN XX/XX/2017, THE SECOND TIME I CALLED THEY CALLED ME A XXXX WHEN I CALLED AND I HAVENT GOT MY MONEY BACK