WillisBack/dataset-financial-user-claim huggingface dataset:
This company is attempting to collect a debt that is beyond the statute of limitations for a lawsuit, 4 years in California, and reporting the account beyond the 7 year limit for credit reporting. I have written to this collection agent asking for verification of this debt to establish these dates and also to establish that the agent actually either owns the debt or is acting on behalf of the original creditor. When I telephone the collection agent about this, an agent asks for payment and tacitly implies that that the debt is not beyond the statute of limitations and that it is empowered to take " further action '' on this zombie debt, when such is not the case. 

After disputing the information in the credit bureau, this collection agent 'verified ' the information that it was reporting as being correct. Yet when I subsequently telephoned the collection agent I was told that it had received my request stated above and that it was 'investigating ' but that it had no information on the account and had to retrieve information from the original creditor which 'takes up to 30 days '. I confirmed that my dispute was received by the collection agent PRIOR to the time the collection agent responded to the credit bureaus that the debt was reporting correctly ... a violation of the FCRA. Moreover, the collection agent failed to mark the debt as 'disputed ' in the credit bureau ... another violation of the FCRA .
We received a 100 % property tax exemption in XX/XX/XXXX due to a 100 % XXXX. Our state sent a copy of the XXXX balance/exemption to our mortgage lender. We sent a copy to our mortgage lender beginning XX/XX/XXXX as they still showed an upcoming disbursement for taxes. The normal distribution schedule is in XXXX and XX/XX/XXXX. We received no feedback. We called on XX/XX/XXXX and were told to send the documents again. We sent them and were advised that the company would verify with the state and call us back on the XX/XX/XXXX. We received no call by XXXX so we called. We were advised that our request would be completed by the XX/XX/XXXX. We asked to speak with the tax department and were advised they do n't interact with customers. We asked to speak with a supervisor and was informed one would call within 24 hours ( I am still waiting ). We called back on the XX/XX/XXXX and were told no changes and to call again the next day. We called on the XX/XX/XXXX, no changes but were told again they need to contact the state. I again requested a supervisor and was told one would call back in 24 hours ( although you could hear the supervisor coaching the representative response ). This is a common mismanaging of our escrow funds as we are always in arrears because they did not accurately record tax and insurance bills. We have 5 days until this company is scheduled to disburse money we do not owe and that the state will not refund.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
This company has been putting things on my credit report that I do not owe for. Originally my debt was sent to another company. I paid XXXX originally back in XXXX of 2016. Now they have sent this to another company. In all this has cost me nearly XXXX point on my XXXX score.
Attempting to dispute issue with Equifax credit reporting company but have been unable to process. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my Equifax & XXXX Credit Reports.
I am writing to dispute  XXXX   XXXX  and  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached 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
I 'm having an issue with Equifax reporting items which the date of last activity is past the statue and items that there is no verification to support the information being reported. Several times I have request assistance and am not getting anywhere please assist. 
Credit Protection - Not my account I do not owe XXXX anything, I have a current account which is paid on time and XXXX # XXXX - Unverifiable and XXXX # XXXX - Unverifiable and XXXX # XXXX - Outdated and no verification to support
Everytime I call Navient and attempt to speak with a customer service representative, I get the run around in their automated system. I attempt to circumvent that by trying different options, hitting zero, etc. but all that ends up happening every single time is the system tells me " it does not understand my response '' and tells me to go to their website and then disconnects me.
I received a letter in XX/XX/XXXX that I owed a debt to the US department of education and if I did not pay it my wages would be garnished. I called the department of ed since I am now XXXX years old and graduated in XXXX. I was told that they did not have a record of selling or passing a loan to what was on the letter XXXX and that the loans where " charged off '' sometime ago. I had not heard from the department of ed in over 20 years so I dismissed the letter as a SCAM. I then received a letter in XXXX on the same letter head of the US department of ed but with the XXXX typed at the bottom that my wages would be garnished if I did not call their offices to arrange a payment plan. i dismissed that also knowing that they were trying to push me into a reloan. Now {$100.00} is being taken from my direct deposit EVERY week for over a month now. When I called GC services they did not have any information to give me but asked me did I want to know the procedure to stop the garnishments. They had not answer to the fact that I graduated over 20 years ago in XXXX and could not have a loan in XXXX. The representative ( with a person in the back coaching her ), said that they do n't know but the US departent of ed sent them the loan in XXXX. I told them that I talked to a rep from the US department of ed and they said the then loans that I did have were " charged off ''. I am a retired XXXX and XXXX and did not get ANY notice where this hearing was, Judge presiding, etc. that the company appeared at in MY ABSENCE without any representation. GC Services sent a letter to my employer to take money from my account for a loan that I never applied for or received. I have not had and communication with US department of ed for over 20 years and now my wages are being taken WEEKLY. Now I do n't even know what company originated this madness because there is the US department of ed on the letterhead, XXXX on the bottom of the pages, and GC Services number on the back of the pages. In one of the communications with XXXX I told the representative to show proof that I created the loan and she sent some documents with my signature CLEARLY cut out of another form and pasted onto the bottom of the forms she sent. PLEASE HELP
I had a Special Assessment from my HOA. I paid the assessment late but in full to the property management company before I was contacted by a debt collection agency. 

Debt Collection company has charged me fees and threatened me with a lien against my property. 

Collection activity should be remove from my credit file.
I am a  XXXX  Veteran that had an emergency causing me to utilize a local hospital emergency room. At the time of service they were given my VA credentials and billing information. They are refusing to bill the VA for the amount and I have spoken to the hospital billing department which states that they do that all the time. Now the amount is on my credit report and they will not remove it. This is inaccurate reporting and needs removed from all three reporting agencies.
On XX/XX/2018 I called Wells Fargo credit card department stating they reported a credit card on my credit. I asked them to verify using my social security number if there is a credit card account open, the person stated " NO their was not ''. I expressed that I would like to know if this is part of the class action suit with Wells Fargo accounts being opened without the actual owners knowledge. They then said they will send me to the executive credit card department to investigate. I asked again to the next person, they said " NO '' it was not I asked to get the case resolved as soon as possible. I have been 2 month and no resolution.
CJA Auto Sales INC, came to my residence when I was not home. 
A respesentaive placed court document on my door without getting a signature from me. Now I have 20 days to answer this complaint. I have went to credit companies for help CJA stated that I have the vehicle in my possession. The vehicle was repossessed after missing one payment. The agency is suing me for a remaining balance owed after the repossessed vehicle was sold in an auction. I also feel the vehicle was not of that value. I feel this is an harrassment to collect money.
The amount  Hunter Warfield cl aims that I owe is invalid. The machine that they charged me for was delivered and returned withi n 48 ho urs.
To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine 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 Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, XXXX XXXX and Experian showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Experian " investigated ". The negative items on my credit report in less than a few hours and made no changes and did not supply me with proof that the items were investigated or supplied any proof that they contacted the original creditor.
Activehours wo n't recognize my most recent paycheck deposit from XXXX17, ca n't seem to figure out why.
I am an XXXX year old lady who took our a Financial Freedom loan XX/XX/XXXX. I have had a lot of trouble and feel like the loan was misrepresented. I receive {$1100.00} in Social Security each month. Their rules have changed they say as of XXXX. I have trouble paying the RE taxes, but keep up my insurance. On XX/XX/XXXX they chanced my loan to matured status and say I have 90 days from there to be put in foreclosure. On XX/XX/XXXX they received my request for extension. as of XXXX they have not yet sent it to hud. Say they are too busy, but they have time to call and send all kinds of other harassing stuff. I have been in my home 60 years and am not fit to move. It is tearing me up. I do n't know what to do. They are driving me crazy. I went to a lawyer but I ca n't afford to pay them. I called the counseling places and they do n't return my calls. My banker has tried to help me also with forms. I am helpless as to how to live. Please assist me as you can. Thank you for your consideration.. I sent them XXXX payments that they requested and they returned XXXX and said they did not receive the other. Said they are no longer accepting payments, but they did not send the XXXX on back. Received the XX/XX/XXXX XXXX back for {$250.00}. I have no money for needed items. Sincerely.
I am a XXXX XXXX. One of my clients has authorized US Bank to talk with me at least 3 times, but they keep saying that they aren't authorized. 

They also say that the authorization only lasts 24 hours and then it stops. Is that legal?
I sent them ( JNR XXXX ) a letter telling them to stop contacting me. They ignored my request and continue their collection attempts. 

Also, there is no debt. All my bills are paid in full, including the one they claim is unpaid.
I purchased a computer from Best Buy using my Best Buy credit using a promotional option. The promotion offered 18 months to pay with no interest. The total was not paid by that date. Soon after this period I noticed that the amount owed had jumped by {$280.00}. After contacting Best Buy it was explained that that total included all past interest that had been waived. 

When I made the initial purchase I was not told that the past due interest would be added to any outstanding balance. During that conversation I was told that my e-invoice stated this policy. In order to see this information I would have needed to download my statement, which I had n't done. I paid directly within the " make a payment '' options, or over the phone. 

I have since paid the balance I feel is the amount that I owe. I have also asked my attorney to send a letter explaining the circumstances to Best Buy via certified mail. My attorney 's records show that the letter was received. Best Buy has opted to not respond to the letter.
On XX/XX/2015 a man name XXXX called stating, he works for Attorney Copper, Hoffman and Klein and he is collecting for his client, on a online payday loan that I suppose to have got. He is attempting to collect the debt. I explained to the young man, I did n't or have a loan and I need documents showing this debt, he said I have the contract, I told the man, I do n't have any contract inreference to this debt and I need to have something. He said if, I do n't pay today, I will be getting served papers and I will be responsible for that fee as well and my wages will be garnished, I would have to pay XXXX or full amount with fee 's that makes it {$1300.00}, I kept asking for documents of this matter and he kept telling me he knows, it 's me, have my bank information and ss #. I told him mail me documents, was n't getting anywhere I got off the phone. On XX/XX/2015 a XXXX XXXX or XXXX, said she is calling from Copper Hoffman and Klein Attorney office, before she can start, I told her I need documents of this so called debt, she said, you have the contract, I explained to her, I do n't have any documents in reference to this so called debt, and send me documents and stop calling me at work and on my cell. I need these so called documents so I can give to my Attorney, she asked me for information, I said NO, mail me documents of this debt. I just hung up, then 10 minutes later she called back from a different telephone number, I told her with my co workers here, stop calling me and send me a debt validation letter, I even asked for their address and would n't give it. She said you will be served and go to jail, I said XXXX do n't threaten me or call my job or cell anymore. I will wait to be served. They still be calling from XXXX different telephone numbers, I blocked them, then private numbers call asking for me or I just do n't answer. This account I have no Idea what they are speaking on, all I asked is for proof and their address so I can do letters. I work for the Government and I am involved where my information was stolen through the XXXX, every since that has happened, I am getting these phone calls. In the background you hear TV 'S and music. I 've called both numbers back the numbers are XXXX man answers,XXXX man and woman answers. Both same voices who calls me. Iive looked them up and ca n't find this company. I do n't know if it 's real, but I do n't think so. They are very rude, unproffesional, like to threat wage garnisments and serve papers and keep calling work and cell after been asked and told not to call anymore and I am requesting these documents and they say it 's 4-6 years old check online with a check and go and we could get the people on line, I just want to see these documents and these calls to stop, wo n't give me there address to write them so I can request to submit a validation letter and do a cease and desist letter.I have nothing in reference to this so called debt, they say they have my bank information, last XXXX and where I work. But ca n't provide me anything just threats and saying you owe this. Thank you for your time in this matter XXXX XXXX
To whom it may concern, My wife and I have repeatedly reached out to Chase Bank in an effort to get them to correct this matter. I 'm asking for PROOF. 
Chase Bank has continued to refuse to act. They 've collected mortgage insurance premiums, but according to HUD, My wife and I DO NOT have a FHA home loan. Chase Bank wrote that they researched the matter and found that our case number with FHA was cancelled due to non-endorsement, and FHA REFUNDED OUR MONEY to XXXX. I 've repeatedly asked that PROOF be given to my wife and I that the money was sent to us or applied to our account. 
According to Chase Banks response, case number XXXX, they replied with " Your loan closed with XXXX, and we began servicing your loan on XXXX XXXX, XXXX, based on the terms and agreements you established with XXXX. Our records reflect that XXXX refunded {$1700.00} to you by sending a check to you on XXXX XXXX, XXXX. Due to the age of the transaction, and the fact that we do not have XXXX historical records from that time period, we 're unable to provide a copy of the check. 
Chase Bank also responded on XXXX/XXXX/XXXX to case number XXXX with " On XXXX XXXX, XXXX, the United States Department of Housing and Urban Development ( HUD ) cancelled your case number due to non-endorsement. We 've enclosed a copy of our previous letter dated XXXX XXXX, XXXX, and a copy of the letter sent from XXXX dated XXXX XXXX, XXXX, for your records. " This letter that Chase Bank sent from XXXX dated XXXX XXXX, XXXX states " If you paid any upfront FHA insurance premiums at the closing of your home loan, they will be REFUNDED AND APPLIED TO THE PRINCIPAL BALANCE of your loan. " So, which is it? 
I 've emphatically stated that we did not receive a check from XXXX. 
The letter provided by Chase Bank from XXXX says the refund of {$1700.00} would be applied to our principal balance. 
Chase Bank wrote that " Our records reflect that XXXX refunded .... '' And in the same sentence wrote " and the fact that we do not have XXXX historical records from that time period '' AGAIN, WHICH IS IT? either you have the historical records or you do n't! 

This clearly shows a blatant attempt to deceive and mislead us, and I 'm demanding it is investigated by the proper authorities. I 've enclosed a copy of the letter from XXXX to ACTUALLY PROVE what was written. 
Since Chase Bank allegedly does not have XXXX historical records, perhaps they can review the history of our account and show where OUR MONEY was applied. 
This is a criminal act called theft. XXXX took our money, failed to properly secure our endorsement from HUD-FHA costing me thousands. XXXX continued collecting mortgage insurance premiums until XXXX of XXXX. 
Chase Bank purchase XXXX, and says our money was refunded. PROVE IT. 
The next letter Chase receives will be from our lawyer!
I had medical assistance at the time of the XXXX visit, all referrals were in order and insurance card was given. No bill was asked upon leaving the facility, no bills were sent in the mail, about a year later I received a collection notice for a debt owed on that specific date of service. How can you send something to collections that you never gave the person a chance to pay, I did n't even know I owed anything. But anyways, I then called the collection agency and ended up paying the bill they asked. I thought everything was fine.. Well about 2 years after I received a new notice from another collection agency for the same date of service saying I owed them money again. How can this be?