WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX  or around that date, contact ed Harris & Harris re garding collection notice for my daughter  XXXX   XXXX  for date of service  XXXX / XXXX / XXXX  for   XXXX   from  XXXX   XXXX   XXXX . We never received any bills due to an address change. Most recently found out about bill and did investigate it to find out the char ges went to our deductible and we did owe {$150.00}. When we got the notice from Harris & Harris,  I contacted them immediately to inform them that the bill was paid on  XXXX / XXXX / XXXX  and was cashed by  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX  which was the date the collection letter was sent out. I informed  XXXX  &  XXXX  of this and told them they needed to go back to  XXXX   XXXX  to talk to them about payment. On Saturday,  XXXX   XXXX ,  XXXX  we receiv ed a more threatening letter from Harris & Harris w arning that they will send a report of bad debt to Credit Bureaus. I am absolutely upset by this because we told them the bill was paid and we continue to get more threatening letters. I plan on calling them again on  XXXX / XXXX / XXXX  to discuss this and also plan on calling  XXXX   XXXX   XXXX  to file a complaint however this type of intimidation is completely uncalled for when there is not debt to collect.
XXXX XXXX has bought multiple minuscule debts of mine to get me to pay more money. One of the debts was originally owned by XXXX XXXX. I was summoned to court over a month ago. I tried to work a payment plan out with the lawyer there but she couldnt get in touch with anyone at the office. I was told I would be notified by email or a phone call within the next 30 days and specifically told them to leave a voicemail if I did not answer. No call at all in over a month
I previosuly filed a complaint against this company under complaint number XXXX. 
The company responded with a ton of statements from the credit card company. 

The company failed to attached what I originally requested which was the copy of the signed credit application so I can file a police report. 

I went to report this to the police department and they asked me to obtain the credit application and bring it back to them. This collection agency on return sent me statements, no signed credit application.
A company called XXXX XXXX has put a collection account on my report. They are trying to collect on a so called XXXX XXXX XXXX. I asked them for the documents to validate this debt correctly they couldn't. They didn't even contact to inform me they were collection this debt it just pop on my credit report.
This account was charge off due to a divorce my ex- wife voluntary returned the car. They told her the Charge was 8k now it showing XXXX on my credit report. I want this item removed immediately.
I received a pre approval credit card from Chase via XXXX XXXX as my scores are in a good position. I then applied but was denied because of a XXXX yr old bankruptcy. My issues are that this credit app. caused my credit score to be decreased by several points as it is an inquiry on my report. Moreover, I should have been warned prior to applying that a bankruptcy credit app would be discriminated against. I now seek your help in getting this inquiry removed from all 3 of my credit scores.
I made a charge with my Bank of America credit card on XXXX/XXXX/16 to XXXX ( XXXX XXXX XXXX XXXX ) for the amount of {$810.00} for XXXX car payments on my daughters auto loan. On XXXX/XXXX/16 I learned via XXXX and my daughter that to date the money had not been sent to XXXX. To date this has been triple confirmed with XXXX including at their corporate level. I have spent over 20 hours on the phone with Bank of America since Tuesday XXXX/XXXX/16 trying to resolve this and have been practically brought to tears by XXXX of transfers, holds and complete lack of tracking my missing payment. I believe there is an issue of internal fraud. Bank of America has stated that my money is in limbo and they would have it credited back by XXXX/XXXX/16. It has been over 60 days!! To date it has not been credited and the new round of phone calls I have made to Bank of America this week have not led to a complete abandonment of any responsibility to do so. I have asked for proof of the electronic transaction number ( XXXX said they should absolutely have this if they made a payment ) with Bank of America refusing to provide XXXX. Then today XXXX/XXXX/16 after being on hold for 2 hours and 40 minutes I was transferred to a " XXXX '' in the " Dispute Dept. '' who informed be that my payment went to XXXX Bank and I would need to call them to arrange a charge back. This not only was a complete new excuse given for where my missing money has gone but I nor XXXX has any affiliation to XXXX Bank!! Bank of America refuses to explain how or why my payment to XXXX went to XXXX. I never ever authorized a payment to XXXX for any reason. Bank of America refuses to provide any documentation. To date we have already paid interest on money that is in Limbo and late fees to XXXX for the payments I made on XXXX/XXXX/16 that I never knew were never sent to XXXX. We have since had to bring those payments current with additional payments and are now getting the most extreme case of the run around from Bank of America about crediting the {$810.00} back to my credit card. I talked again today to the corporate office for XXXX that for the 3rd time combed my daughters account just to be certain the payment was not applied to her account. He verified it is not. He states he has never seen or heard of anything like this in the banking industry. He, like me suspects there is internal fraud behind my " limbo '' payment but I can get no where by calling B of A. I have called every day since XXXX/XXXX/16 and each call results in 3 hours of holds and transfers. Please help.
In 2011 my identity was stolen and a XXXX XXXX card was open in my name. I did not know about the card until further looking into my credit. I immediately called, informed XXXX XXXX of the situation, and requested they close the account. I was told no charges were made and they would close the account and remove it of my credit. Upon further investigation, XXXX XXXX is still reporting to all 3 credit bureaus. I never received any information concerning this account until I called.
Both creditor XXXX XXXX XXXX and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away
HSBC mortgage services did not report my on time payments from XX/XX/XXXX through XX/XX/XXXX.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 XXXX 90 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
I checked my credit and my hard inquiries had been deleted. They have been added back on without any notice. This has affected my credit.
In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and the y MUST b e removed immediately to avoid litigation :  1.    XXXX   XXXX   XXXX   XXXX   XXXX    2.    XXXX   XXXX  3.  XXXX   XXXX
CBE Group has never sent me a letter in the mail for pass due loans. At XXXX point I took out a payday loan back in XX/XX/XXXX and was over charged on interest fees and closed my bank account as they got more then they should by the payday loan company. I reopened my account with a new account number with the same bank. So years later the CBE Group who is a XXXX party maybe trying to collect on the loan which I was over charged on interest and paid back which the loan company wanted more and more. 

Anyway Number that called was XXXX. Called me after XXXX on my way home from work one night last week on XX/XX/XXXX. I picked up the call and the lady seem rude asking what my name was and my social security number with of course what my home address was. I did n't give them that info. I said to the lady if you call my cell phone and think you have the right person send me a letter in the mail. I basically told her to shove it and send me a letter in the mail if you have anything on me for whatever they wanted. So just today XX/XX/XXXX week later they called my dad 's cell phone stating that his son has a bad check. I get a call from my dad and I 'm like I have no idea what they are talking about. I do n't write checks. All my bills are paid online anyhow.. So next time CBE calls I 'm going to record the conversation and let my police buddy take it from there see if I can use any of there harassment against them in the future!!! I want them to stop calling me and they buy these outstanding loans on the pennies and I 'm sure they would love to clear out my bank account. That 's not going to happen because I 'll go to CBE office in Iowa and do matters in my own hands if I have too one day!!! So please make them stop cfpb and do your thing. Thanks
I received a letter from the Simon 's Agency regarding a debt that had previously been satisfied with the hospital network. When I received the letter, I first called XXXX and they stated that they could see that the service from this date had been paid and that they would send it to the case manager to have it investigated. 
I then reached out to the Simon 's Agency , Inc. and explained the situation and requested that they put my confirmation of payment ( I had the number to provide them with ) in my file for reference and they told me that they didn't want it and that unless XXXX told them otherwise, they were going to continue to collect. 
I sent the Simon 's Agency a hand written dispute in the mail. I provided my payment confirmation number and requested that the matter be investigated. 
On XX/XX/XXXX, I received a call from XXXX, my case manager at XXXX ( XXXX XXXX XXXX ) .She stated that I was sent to collections in error and that the matter would be resolved that day. 
Yesterday, I received the attached letter from the Simon 's Agency allegedly " verifying my debt ''. Please find my Bank statement with proof of payment, verification letter, and confirmation number from the date this payment was made. 
This is literally the 3rd time that the XXXX XXXX XXXX has sent my file to a debt collection agency in error and it is exhausting. My health has been very poor recently and I have already spent a great amount of time proving that I do not owe this claimed debt. It is clear that the Simon 's Agency has no interest in researching the validity of the debts that they are attempting to collect on, as sufficient proof was made available to them. I have excellent credit and do not want their in-compliant practices to have a negative impact on me and my family. 
Thank you so much for your assistance in this matter. 
Best Wishes, XXXX XXXX
They keep contacting me over a debt i do not owe quit contacting me or ill sue you!
There's a late payment that has been reported by American Credit Acceptance in XX/XX/2018 I haven't been 30 days late in over 2 years they said they were going to take care of it they have not. I have submitted several disputes to have it removed the credit bureaus denied it I have submitted my payment history to the credit bureaus and they still denied my claim. I don ; t think American Credit Acceptance tried to take care of this. They ruin people 's credit and think it's ok.
D2 Management called about a debt on a bank account that was incurred over 11 years ago. They violated the FDCPA rules regarding disclosure by disclosing the last 4 digits of my social security number. Further, they are pursuing a debt against me solely when this particular bank account was a joint account with my husband. They also insinuated that my credit would be adversely affected if I did not pay this balance. I have this recorded on my phone and can provide proof of it if needed.
I have a judgement against me that was originally litigated by XXXX XXXX XXXX XXXX XXXX in 2011. The judgement on my credit report is for {$1200.00}. They are telling me I have over {$800.00} in court costs, and over {$200.00} in interest. The credit card was originally for {$750.00}. Even with 7 % interest, that would be the around {$1200.00}, not to mention if I had court costs that would have been awarded in the settlement amount to be paid. They are trying to charge me DOUBLE what my credit report states and the courts state that I owe. I feel this is a misrepresentation, and misleading practice and violation of FDCPA. There is no {$800.00} court cost, get real Cooling & Winter!
FOR THE WILL NOT GIVE ME MY FILE AND TELL ME WHAT I PAYING FOR THEY HAVE TOTALLY MESS UP MY HEALTH BY NOT GIVING AND RECORD TO MY DR. TO TELL THEM WHAT HAPPEN TO ME AND I TO THIS DAY HAVE NEVER SEE ANYTHING ON PAPER SHOWING WHAT THE DID BESIDE NOTHING FOR THERE NEG. I 'M TRYING TO GET ON THE XXXX AS IF I WOULD OF KNOWN SOMETHING IT WOULD OF MADE A DIFF IN MY LIFE I 'M NOT PAYING A XXXX UNTIL THEY TELL ME WHAT THEY DID I WAS FROM OUT OF TOWN AND THEY XXXX IT TO ME. AND TELL ME I WAS IN THE XXXX TO WHICH I NEVER WAS.
Great Lakes received my certified letter XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual evidence bearing my signature AND marking my account dispute with the credit bureau. As of XXXX/XXXX/2016 Great Lake has not provided any proof or markings on my credit report.
Violations of numerous Federal and State Laws and Agreements to include : The Dodd-Frank Act, Title 12 Chapter X 1003HOME MORTGAGE DISCLOSURE ( REGULATION C ), Title 12 Chapter X PART 1014MORTGAGE ACTS AND PRACTICESADVERTISING ( REGULATION N ), Title 12 Chapter X PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ), Title 12 Chapter X PART1026TRUTH IN LENDING ( REGULATION Z ), New York General Business Law 349, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, as well as breach of  representations and warranties. 

A propertys legal description identifies it and distinguishes it from any other property. An error in the legal description of record becomes an obvious title issue and has a significant effect on any applicable documented agreements. In this case, three recorded defective mortgages. As outlined in attached, the clear and convincing evidence provided illustrates that both XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc.s lack of quality control procedures, due diligence, breach of representation and warranties, attention to detail, unethical business practices and non-compliance with relevant underwriting guidelines and applicable laws has rendered all three notes and mortgage agreements ( XXXX, XXXX, XXXX ) completely invalid and unenforceable. Both XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc.s conduct is indicative of fraud on borrowers, fraud on investors and a fraud on the courts ; especially when wrongful notifications and summons for foreclosure are brought forth by both parties without having clear and convincing evidence of a bona fide security interest in a property. In several ways, both companies negligently originated, recorded, serviced, securitized and/or sold these significantly defective loans to the secondary market, which are predominantly and legally null and void. Their unconscionable and seemingly unethical actions have caused great stress and anguish upon my remaining family as we continue to grieve our parents loss and are forced to defend the loss of our childhood home. Knowing the debt was invalid and unenforceable ; SPS continues to threaten our childhood home of nearly 50 years with foreclosure, without cause. New York General Business Law 349 strictly prohibits such evident and deceptive trade practices or acts that are being committed by XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc. Our proud, hard working, yet financially unsophisticated parents, fell victim to predatory lending and deceit. See attached evidence.
I received a notice for this debt from a Niagara Credit Solutions , Inc on XX/XX/XXXX stating that the debt owed was XXXX. Then on XX/XX/XXXX I received a call from someone at ext XXXX saying that I owed over XXXX don't recall the full amount. How is this possible what interest rate are they charging on this? I want a copy of any letter stating the rate that would be charged to be sent to me.
I have five visa debit gift cards that I am trying to find balances of and I am unable to do so at the website found on the card : XXXX  Each time I enter the card number, it indicates " One or more field values entered are incorrect. Please try again or call XXXX for assistance. '' This is happening for all five debit gift cards, to which I have called the phone number and the automated voice tells me that there is a problem and to try again at another time and disconnects. I am unable to talk to a customer representative and I am unable to find out the balances on the cards. Furthermore, a {$2.00} inactivity fee is deducted from the balance of the card after 12 consecutive months of inactivity. The name of the issuer : U.S. Bank National Association.
I have a Total Rewards card serviced by XXXX. Over the two years I 've held the card, I 've had to contact them at least three times to reverse late fees because I did not receive an email notice of payment due, even though I 've been on paperless billing and should be getting those emails. Their representatives always assure me that the notices will be sent, but they never are. It 's been a full week now and the most recent late fee and finance charge is still showing on my account. I never knowingly leave balances on my credit card accounts. Due to the problems with XXXX, I 've purposely avoided using this one ( no voluntary use since XXXX 2016 ), but there was an automatic subscription renewal charged to it in XXXX, which I did n't discover until I went to search old statements for something unrelated.
I was contacted by a singles site called XXXX. I had just went to an interview with them in XXXX 2015. The person persuaded me to sign up with thier services. I gave a {$500.00} down payment towards having XXXX dates with XXXX elegible bachelors. I explained I would not be available for another month and was told it would be fine. Two days later I received a distirbing call from a young man who represented himeslf from the company and he wanted my credit card in order for the services to begin. I refused and told him I was no longer interested since there was a conflict in our initial agreement. I then began receiving bills from them where each month the amount was doubling. I received an email from the original sales person asking me to call her. I no longer wished to speak with her since she had falsely represented what they promised. I attempted to send an email, but it was returned. I tried calling the company and the number was out of service. I am getting OMEGA debt collection calls on this who want to negotiate a settlement. XXXX XXXX XXXX ia thier number.
Trans Union continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
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( 2 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
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Trans Union continues to list the dismissed bankruptcy on my credit file. Trans Union 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated.
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Therefore, Trans Union has no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.
In XXXX I purchased a vehicle with XXXX XXXX XXXX and made my payments on time and paid out the account in XXXX. XXXX XXXX XXXX reported everything to Experian and it helped my credit score a great deal. Recently I checked my credit report again and noticed my score had dropped and that, that account was no longer on my report. Experian is claiming that while XXXX XXXX XXXX did everything they were supposed to, because the company that reported to them is no longer in business they have deleted all of the information submitted by them. Experian now has a fraudulent credit score for me because they have manipulated it by deleted an account on my report that was in good standing and they refuse to do anything about it.
I have no knowledge of XXXX accounts that have appeared on my credit report. I have filed disputes/investigations with TransUnion and XXXX. I believe I am a victim of identity theft. One of the accounts has an open date that would mean I was XXXX years old at the time. I most definitely never opened an account at XXXX years old.
On XX/XX/XXXX XXXX XXXX refunded me my purchase of a ticket for customer service issues. NAVY FEDERAL CREDIT UNION has yet to issue me a check for the funds from the credit back to my closed account. This is the same account whom they contacted you the CFPB, and told you that they credited a XXXX USD credit back to my account and waived it and told you my account was officially closed. This credit was issued back to my account shortly after NAVY FEDERAL CREDIT UNION issued a message to the CFPB about this same account being officially closed with me owing them NOTHING. I contacted them on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and each time they told me debit card services processed the check and sent it out and the truth was THEY NEVER SENT IT OUT. I am writing for them to be required to send it out because they don't have any reason to hold my check and they even told the CFPB this in there statement in response to my previous complaint last month.
I tried to close my XXXX IRA at Bank of America 's XXXX XXXX and they told me it would cost {$75.00}. I currently have {$81.00} in the account. Please help.