WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX XXXX company is incorrectly reporting me up to XXXX ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX XXXX Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.
When I opened my account it was guaranteed to be free of fees for 125 years. My checkbooks was stolen on XX/XX/XXXX and the bank told me that by giving me a new account number everything would be resolved. I had two checking accounts that were free for 125 years. I told them that the account was free from all fees for 125 years and I did not want to loose the free service. XXXX at the branch on XXXX XXXX XXXX XXXX in XXXX XXXX California assured me that everything would remain the same except the account number. Everything went along fine until XX/XX/XXXX when both my checking accounts began receiving {$3.00} monthly fees for bank statements to be mailed. I complained and {$6.00} was credited back to my accounts. ( {$12.00} in fees and {$12.00} in credits ). The manager told me this had been corrected and the fees would no longer be assessed. Her name is XXXX and her number is XXXX. I called and complained when the fees continued in XXXX and she backtracked and said the 125 year free account did not include free Bank Statement being mailed. I told her I was filing a complaint and she did not care. I have incurred {$3.00} x 2 accounts for XXXX, XXXX, XXXX, and soon XXXX that total {$9.00} each account soon to be {$12.00} each account. Then in XXXX one of my accounts started being charged an additional {$10.00} fee for a total of {$13.00} a month. I did not realize the additional fee was being charged until the bank charged me a {$35.00} NSF fee for a check. This horrified me as there would have been enough money in my account had the bank not charged me all the fees. The notice stated my account was overdrawn by {$22.00} and they were assessing an additional {$35.00} fee. So to summarize the fees charged, Account One has been overcharged {$9.00} and increasing by {$3.00} the XXXX of every month and Account Two has been overcharged {$9.00} for statement fees also increasing {$3.00} on the XXXX of every month, {$20.00} for unknown fees and I assume they will continue to charge this additional undisclosed fee on the XXXX of every month, and a {$35.00} fee for a NSF that is their fault for charging me fees fraudulently. To date Bank of the West owes Account One {$9.00} and Account Two {$64.00}. I called XXXX Thursday XX/XX/XXXX and she has not returned my call or corrected my account. I am trying to locate my original free checking information however it is from around XXXX. Bank of the West is stealing money out of my account and committing Bank Fraud by taking money not due them and not agreed to by me. I also have direct deposit on both accounts so it is very difficult to change banks as well as redoing all my online payments.
I have not received any correspondence from either XXXX or TransUnion during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.
Loan went into default after illness. Contact mailings about default were sent to old addresses and discontinued phone numbers. Four years later finally contacted present address. I suffer from XXXX. In and out of XXXX ; spotty work record. My mother offered to pay off the debt by collection agency will not allow full payment ; will not allow reduced fee. Collection agency will not mail the questionnaire for payment plan- insists on phone call only, mentally I can not handle that type of interrogation. I just need them to stop harassing me. Threatening me with garnishment when I just now got a job. I am homeless most of the time. The stress of the threats causes me to lose my jobs. I can only work about XXXX hours a week XXXX. I want help just paying off what is fair and making them put their offers in writing- I ca n't handle talking to people. My mother is will to help
On XX/XX/18, XX/XX/18, and XX/XX/18 I submitted verification to the credit bureaus of the accuracy of the charge off account placed on my credit file by US BANK. 
Not until XX/XX/18 via CFCB did I receive a response from US BANK. 

It is my understanding that the bureaus were supposed to receive a response ( as well as I ) within 30 days to prove the accuracy and verification of this account. This was not done within this timeframe. This is a violation and the account should have been removed.

In their response via the CFCB portal they also insinuated that they had incorrect addresses for me in order to verify me of the alleged debt from 2 separate collection offices. 

I would like to know when those collection offices were attempting to contact me since my phone number and address were the same for quite some time.
XXXX XXXX XXXX Information - Preauthorized Checks - XXXX XXXX, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/2016 at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX XXXX tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX 2016. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX Address of credit bureaus Experian XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
eviction was file against me in XX/XX/2012 but never was execute but is showing in my credit reportthe I did have eviction at that time at this moment this wrong report is cause to me and my kids to find a apartment to move, I just was reject my application from XXXX located at XXXX XXXX XXXX XXXX fl. XXXX. I need to have remove this issue from my credit report ... 
thank youXXXX XXXX XXXX
I am a victim of identity theft and I have unauthorized and fraudulent credit and collection accounts, and inquiries listed on my Equifax credit report. The following credit and collection accounts, and inquiries are fraudulent, unauthorized and do n't belong to me : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX., XXXX/XXXX/XXXX.
I have been contacted by a very rude, harrassing and disrespectful lady from these phone numbers XXXX and XXXX at least 6 times today. She has left me very threatening and serious voice messages on my cell phone and on my work phone. I work for a XXXX XXXX and she is threatening to contact Human Resources to have my wages garnished. She also threatened to take police action against me, take me to court, have me served in public, contact my neighbors and my family members. All I asked her for was a validation notice for this " debt '' from 2011 and she has gone out of her way to threaten me. I was in the process of giving her my email address so that she could send me the validation notice and she did n't like that I was spelling out my name for her. She has called me at work requesting the fax number of Human Resources. And then she left another voice message pretending to be talking to someone on the other line saying " yeah at least now we know where she works. '' I will be informing the XXXX PD at the XXXX where I work so that they can be aware.
I made a payment to Freedom Mortgage on XXXX XXXX, 2016 for my XXXX XXXX, 2016 payment. Freedom Mortgage says my bank XXXX did not pay for insufficient funds. I had sufficient funds in my account on XXXX XXXX, 2016. I made another telephone payment with a representative of Freedom Mortgage on XXXX XXXX, 2016, and today XXXX XXXX, 2016 Freedom Mortgage tells me that my bank XXXX stopped payment. I show no stop payment on my XXXX account. Freedom Mortgage has received two payments from me and has lied about what happened with each payment. I sent a note on a fax cover sheet to Freedom Mortgage not to take two payments from my account. Freedom Mortgage just keeps saying things that are n't true. Also Freedom Mortgage had the wrong address to mail my bill to. I have been with them unfortunately for 16 months and Freedom Mortgage changed my mailing address.
I am in the process of closing escrow on a new home, escrow is supposed to close XX/XX/XXXX. 
I have sold my current home, and both my home now and my new home should close escrow on the XXXX. XXXX title has requested a payoff on my current loan from freedom mortgage about 2 days ago, should only take 24 hours to respond. Freedom mortgage still has not responded. I called freedom mortgage today which is XX/XX/XXXX, talked to a woman who said she would fax ticor title right away. She also said it would take ten minutes. She also offered to e mail me a copy of the payoff and I agreed. It 's been 3 hours and still no response. I reminded freedom as to how important it is for them to respond to XXXX XXXX as I have 2 weeks until I 've got ta move and it just seems as if they do n't care.
We contracted a company, XXXX, who was recommended by our insurance company to project manage our insurance claim. The company did not complete any of the work they had agreed to, did not get permits for any of the work before it began. We paid them over {$9000.00} and then started receiving collections notices in XXXX without ever receiving a bill from them and without them completing any work. We now have stop work orders on our home ( we had to hire our own contractors ) and the building inspector may require us to undo some of the work that is compete to ensure that it was done correctly. Today we received notification that a mechanical lean was placed on our house. I do not understand how the company can do these things without services being provided to us. I can not find a phone number to dispute this matter with the dept collection agency.
I just became aware - only because I got a free credit report in response to ANOTHER correction - that I have a negative report that I have never heard of. I have never heard of this company or their " client '' and I have never received any kind of bill from them or other communication. 

The company is Credit Control.
I would like any late payments reported to the credit bureaus removed immediately. After struggling since XXXX 2015 to get my {$5000.00} HAMP incentive credited and my payment amount corrected to what it should be I reject the possibility I was ever late. You have been over charging me for the past year plus so there is no way I could be late on something that was incorrectly being over charged. If I owe you XXXX apples and you are billing me monthly for XXXX how can it be due? In addition I want all late charges removed from this account unless you can explain how they have been charged. This loan has been sold 4 times and when I pressed XXXX in XXXX 2015 they then sold the loan rather than correct the issue. I have been harmed financially and emotionally and I want this corrected immediately. It 's not my fault that the mortgage companies that have managed this loan ca n't count.
I applied for a XXXX Credit Card with US Bank with a FICO score of XXXX and wasrejected and I have been treated very unfairly by the bank..
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Net Credit on XXXX XXXX 2017. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XXXX XXXX 2017 @ XXXX XXXX XXXX 2017 @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX Emails to date on XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017
Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital undergoing transplant XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. Please help.
I have been receiving many phone calls from this number over the past several weeks. Today is the first time they have left a recorded message saying they are Pioneer credit recovery and to call this number XXXX. 
as I don't have any debts this is a scam.
All accounts with XXXX should be deleted. I have attached the XXXX  forms fro all my XXXX accounts.

By law accounts given XXXX  can not be reported on a credit report negatively.

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX   Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX  Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off.

Status UpdatedXX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off.

Status Updated 1XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated XX/XX/XXXX
I made a payment arrangement with my loan company. There was a tow truck driver sent to repo the vehicle after that was done. I made the arranged payment and gave him the conformation. He said ok pulled his truck away from my vehicle and allowed my husband to proceed to leave with the vehicle. He then stayed in my driveway and when I went out to check he yelled that my payment was no good. When I tried to show him the confirmation he put his hand in my face and said " I am done with you '' he then ran to his truck while yelling " I am having your husband arrested for grand theft auto ''. He proceeded to contact the XXXX County Sheriff 's Department. While he walked got in his truck I contacted the finance company to confirm the payment was received. The Sheriff 's Deputy arrived and advised me that the driver had called to report that my husband endangered him by " driving the vehicle off the forks of his truck '' and claimed that there was a domestic disturbance occurring. All of which was false. After explaining the situation to the officer with the loan company, Credit Acceptance, on the phone. I was advised that they could not force me to surrender my vehicle without a court order and the driver was removed from the area.
Equipment was returned. This collection agency keeps calling. They also illegally keep reopening this XXXX to 5 year case as though it occurred in 2016.
On XXXX/XXXX/XXXX, I received an alert that I have a new collection activity on my credit file. I found that it was this company ( Midwest Recovery Systems ) that supposedly purchased this account from another debt collector. I contacted them and XXXX, the recovery specialist informed me that it came from a payday loan that was taken out in XXXX and that he did not have the original paperwork that I asked for. I told him that I wanted to dispute this, and he told me that it would stay on my file until it was paid in full. He did say that he could make payment arrangements in order to settle the debt, but the mark on my credit will stay for seven years. I am a XXXX veteran XXXX, and I do not have the type of money he is seeking for a debt that I have no knowledge of.
MY ACCOUNT WAS BLOCK FOR USING THE WRONG ACCOUNT FOR MY CREDIT CARD FOR CAPITAL ONE NA I HAVE TRY TO WORK WITH THIS COMPANY SEVERAL TIMES DOING WHAT THEY HAVE ASK ME TO DO AND TO CALL THE OTHER BANK WITH THEM ON THE LINE AND EVERY SPECIALIST AND EVERY TIME I HAVE TRY TO MAKE PAYMENTS ON THE ACCOUNT CAPITAL ONE HAS REFUSE MY ACCOUNT. AND NOW HAS MY ACCOUNT OVER THE LIMITED.
On XX/XX/XXXX I wrote Check XXXX to the grocery store for {$64.00} On XXXX It bounced On XX/XX/XXXXit cleared The check was deposited via telecheck systems at the cashier. 

Two weeks after on XX/XX/XXXX my account gets a debit for XXXX from " my grocery store as a fee '' I immediately told my bank I did not authorize it. I didn't have XXXX in my account so on XX/XX/XXXX they bounced it, and charged me XXXX Today XXXX, I called the grocery store, they said they had nothing to do with it, Telecheck sent the XXXX fee. They told me to call Telecheck, at XXXX, I called. When I explained the situation, and cited www.fdic.gov/regulations/laws/rules/6500-580.html Section 3 ( c ) 1 Checks " Regulation E does apply however to any fee debited via an eft from a customers account by the payee because the check was return for insufficient funds or uncollected funds. The person debiting the fee electronically must obtain the consumer 's authorization. '' I did not authorize the fee, and they never notified me of it. When I called the number they then sent me to XXXX XXXX XXXX  XXXX, where I explained the same. 

They broke the law debiting a XXXX fee by not garnering my consent. 

I did tell them they can charge it on Friday, payday. However, I am reporting this practice because this check for food for XXXX cost me nearly twice as much as the amount on the check in fees between the bank and this company.
I have submitted my Identity theft form to XXXX and they have denied to delete the Multiple fraudulent inquiries that are not permissible and I did not authorize them! Also, the fraudulent accounts that I did not apply for XXXX XXXX no contract with the company fraudulent, XXXX XXXX XXXX fraudulent account, XXXX XXXX XXXX, and XXXX XXXX fraudulent accounts. The inquiries are XXXX XXXX XXXX  that are listed multiple times, also XXXX, XXXX, and also XXXX. I have decided to take this matter to civil court in my area for proper and ethical resolution! I was trying to avoid litigation as I know there have been previous successful precedents such as XXXX vs XXXX, that suggest The courts would find in my favor, but XXXX has repeatedly violated section 609 ( a ) ( I ) ( A ) and section 611 ( a ) ( I ) ( a ) ( A ) which clearly states that the company must present original documents or Signed contracts! If the accounts are not deleted within 10 days I will forward the information to my attorney! XXXX and XXXX have deleted the above inquiries and accounts that have been listed as fraudulent!
American Education Services is incorrectly reporting loan amounts I received from XXXX College. I  received only one FFELP loan from XXXX College in the amount of {$1700.00}. I attended XXXX College from Fall XX/XX/XXXXto Summer XX/XX/XXXX. The Master Agreement was signed on XX/XX/XXXX.  The original amount of the loan was {$1700.00} and the current balance is {$2800.00}. AES is reporting that I received and owe a total of five student loans, all from XXXX College. The Federal Stafford Loan issued on XX/XX/XXXX, is the only loan I received from XXXX College. The following is a list of loan details reported by AES : XX/XX/XXXX Federal Stafford Loan Repayment {$2800.00} XX/XX/XXXX Federal Stafford Loan Repayment {$5100.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$3100.00} View Details for this entry XX/XX/XXXX Federal Stafford Loan Repayment {$3800.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$7200.00} I have attempted to resolve this dispute with AES and requested a copy of the Promissary Notes for the aforementioned loans. AES provided me a copy of one promissary note, but was unable to furnish any proof that the loans owed belong to me. I have reached out to XXXX College financial aid office and they have verified that I only received one loan in the amount of {$1700.00} during my enrollment. XXXX College also agreed to contact AES. I am requesting AES to remove all erroneous, non verifiable student loans from my account.