WillisBack/dataset-financial-user-claim huggingface dataset:
I had not received a bill when expected for my XXXX Visa Card issued by Barclays Bank Delaware ( Barclays ) of XXXX. XXXX XXXX, XXXX, Delaware, XXXX, so I promptly sent them a written correspondence on XXXX XX/XX/XXXX. A normal response should have been the issuing of a billing statement. Instead, they sent me a XXXX XX/XX/XXXX letter with the blatant fabrication " We called you several times to discuss your concern, but were unable to reach you. '' In reality, I never received a single phone call as it would have been registered under " Recents '' upon my XXXX XXXX XXXX. Finally, quite belatedly, they sent me a XX/XX/XXXX to XX/XX/XXXX Statement with the unrealistic Payment Due Date of XX/XX/XXXX that had to be received at their payment processing center 1,842-miles away ( a 27-hour drive ) located at XXXX. XXXX XXXX, XXXX XXXX XXXX, California, XXXX, that was not in my physical custody until XX/XX/XXXX for the remittance of {$33.00}. I immediately issued personal check # XXXX for {$35.00} and mailed it the next day before the XXXX pickup time. On XXXX XX/XX/XXXX, XXXX emailed me that " We received your XXXX Visa Card account payment and applied it to your credit card XX/XX/XXXX. '' XXXX XXXX XXXX ( Barclay Bank Delaware ) Then sent me a XX/XX/XXXX letter stating " The balance on your XXXX Visa Card amount is {$140.00} as of XX/XX/XXXX. Your next payment is due on XX/XX/XXXX, with a minimum payment due of {$27.00} '' that I was not in receipt of until XX/XX/XXXX. Conseqeuntly, I deducted the {$35.00} I've already disbursed and subsequently mailed them check # XXXX for {$100.00} to XXXX XXXX XXXX, California, on XX/XX/XXXX. Today ( XX/XX/XXXX ), I received my second XXXX Visa Card Statement for the XX/XX/XXXX to XX/XX/XXXX period with a new balance of {$170.00} ( of which only {$29.00} do I owe ) with an iniquitous {$27.00} Past Due charge even though it is clearly there direct fault my payment was " late. '' Please enforce the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX, Regulation Z, as Barclay Bank clearly has transgressed 226.5 ( b ) ( 2 ) ( ii ) known as the " 21-Day Rule for Delivery of Periodic Statements '' ( XXXX XXXX XXXX ). They have a flagrant disregard in assuring XXXX Americans have equal access to their services. I don't appreciate being segregated by this ableism company who has gross incompetency in ensuring timely issuance of credit card billing statements. Thank you for your help.
This agency is attempting to collect a debt from me for a debt I do not owe, but more troubling is the fact that this agency in not licensed by the Arkansas State Board of Collections to conduct the business of a collection agency within the state of Arkansas. 

This agency is communicating with me, while not being licensed, via my credit reports. 

XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( " Reporting to credit bureaus is a communication within the FDCPA ) ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( " rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) ; and, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ( " The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver '' ) ). 

This agency is violating the FDCPA which are per se violations of the Arkansas Fair Debt Collection Practices Act, The Arkansas Collection Agency Act, and the Arkansas Deceptive Trade Practices Act. 

This agency also did not send me my right to dispute this debt, prior to entering this debt on my credit reports, which I do not owe. 

I can only assume that because they are not licensed to collect in my state, they incorrectly thought they could violate my rights by only reporting to my credit. 

This agency has violated numerous provisions of the FDCPA and Arkansas State Law, and should be brought to justice by your agency. 

Thank You
The Chase account has been reporting on my personal credit report, when in fact, this account should be listed on my business credit. I have disputed this information with the XXXX credit bureaus and nothing has come of it. I am appalled at this situation!
XXXX XXXX  PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, XXXX XXXX, {$1000.00}, XXXX   {$2000.00}. 
XX/XX/XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XX/XX/XXXX Dining Room Set Owe, {$1300.00}, XXXX  {$2600.00} Total I owe is {$5000.00} XXXX  shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX  loan off before interest in accrued. 

The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, Equifax and XXXX. 
The Correct Amount owed : {$5000.00} Not owed {$9700.00}
I am writing you because while checking my most recent credit report I noticed that there was a published record of a Tax Lien in the public record section of my credit report, now what I believe and what I have been told by the IRS is that an indivisuals personal tax information is NOT PUBLIC INFORMATION, so Im not sure why this would even show as it does to be Public information, so Im writing you this letter in fear that someone has misrepresented themselves to be me. In addition, the IRS agent explains that the IRS does not verify or give out a persons personal identifiable information like social security numbers, complete names or date of birth to any THIRD PARTY. I have recently sent a letter to TransUnion dated XX/XX/2018 asking them to verify the tax lien on my credit report, according to the FCRA if requested they are to give me the information on how this information was verified, as of today they have not. While speaking to the IRS Agent, they advised me that the IRS does not report any personal tax information to any credit reporting agency and that the IRS does not even have a subscription to report to ANY of the credit reporting agency. Also according to the recent litigation rule handed down says that the three bureaus, XXXX, XXXX, and TransUnion have all announced they will be removing tax liens and civil judgments from credit reports where incomplete information exists, according to the XXXX XXXX XXXX, a trade group that represents them.
I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was XXXX XXXX XXXX. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a XXXX XXXX XXXX loan I got on XXXX/XXXX/12. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house first, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to UDH, but UDH is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact UDH to notify them of this situation. She also gave me UDH 's number to follow up with them myself. I called UDH, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him 2 voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " XXXX in penalties ''.
I had inquiry on my credit report saying that I applied for chase bank credit card ( XXXX ) i tried to call them to inform them that this was n't authorized by me so they can take it out from my report so they refused saying i have to wait until XXXX 2018.
TO WHOM IT MAY CONCERN XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX XXXX # Opened Date XXXX $ {$4500.00} 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 This address is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I never live there please removed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Citibank. I had a dispute and was fearfully of card number being compromised. Citibank sent me a new card. On my end I did pay the card balance in full, as I 've done in all the 15 years I 've had the card. I made my payment 1 day late, payment in full. They charged me XXXX on my account.. I tried contacting Citibank but they refused to reverse the charge. I close the account and paid their penalty. I paid Citibank in full for all my charges and felt that a one day late payment in full should have a not be penalized. I work for a family run lumber yard and if we treated our customers such as above, they would n't come back to our yard. They did n't reverse the charges, therefore I am contacting you to see if the right thing could be done and credit me the charge. Your consideration is much appreciated.
I recieved a called from Hunter Warfield claim to be a collection Company. Said that i had i had a debt with XXXX XXXX for XXXX. Guy was very rude never identify me with the particular debt or even said is this your account or not just began talking. Told him thats not my account. I want to dispute it. Told me i couldnt dispute it. They continually call my phone at XXXX at night. Their not following correct procedure on collection.
I refinanced my home in XXXX XXXX with Loan Depot, in early XXXX they sold the loan to another vender. Recently I went to get a HELOC and when the title search was done it was noted that Loan Depot had filed multiple Close End Deed Trust against my home ( see Attached ) when they should of only filed XXXX. I have contacted my current lender and they said Loan Depot had to clear these, I contacted Loan Depot several times with extensive conversations and they have tried to refer me to everyone else. I finally went to the county and they said Loan Depot has to clear these. Again I contacted Loan Depot only to be told now they can do nothing for me since I do n't have a loan with them. I need to have them clear the Liens against my home which they falsely filed. I have spent upwards of 100 hours doing the foot work to get this resolved and Loan Depot has been unhelpful at every turn.
XXXX XXXXXXXX XXXX, XXXX, the loan servicer for XXXX XXXX, received my loan payoff via wire to their bank on XX/XX/XXXX. The payoff amount was given to me on XX/XX/XXXX by a different representative. The online activity statement shows the payment posted to my account effective XX/XX/XXXX.Their call center representative and supervisor said they posted the payment effective XX/XX/XXXX and therefore charged me 2 extra days of interest ( XXXX and XXXX ). They attempted to rectify this by offering to adjust for one day. I communicated that was unacceptable. Then the supervisor offered to take the full adjustment for approvals, but that wasn't certain. I'm concerned they are post dating loan payments and unwitting students and parents are over charged.
I attempted to report a transaction as fraud, XXXX XXXX XXXX FL XX/XX/XXXX, paid using Paypal but transaction is not listed under Paypal account. The account listed under the email, XXXX is now restricted and am unable to dispute any transactions due to account status just mentioned. The card which was used for purchase, ending in XXXX, is now closed with XXXX XXXX. This is an XXXX purchase, someone logged into my XXXX account and has been making purchases/submitting offers to sellers for items. I previously had to report an item as fraud, a purchase from a XXXX XXXX in the amount of XXXX made on or around XX/XX/XXXX, I do not have exact date available. The person ( s ) responsible appear to be buying high end jewelry items, both purchases mentioned are XXXX XXXX watches as I have verified through my XXXX account. I need this transaction, XXXX XXXX XXXX FL XX/XX/XXXX, placed in dispute as fraud ASAP.
I disputed this account several times within the last 6 months. It is not mine. Transunion keeps saying the account was verified and updated. However, it has not been properly verified accpording to FCRA law. In the last 6 months, no documentation or contract signed by me has been sent from this company. According to law when the company can not provide documentation within 30 days, the account supposed to be deleted. Transunion has faild to comply by law which is forcing me to pursue action according to law. 

XXXX Acct # XXXX Unverified Account
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to Ombudsman directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

Unfortunately these institutions have not provided me with accurate information. In addition the XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was XXXX default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took 4 loans and the XXXX of XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I have enclosed copies of all my records correspondence. 
At this point I 'm very confuse as to why all this offices within the XXXX of XXXX are reporting inaccurate information. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


XXXX XXXX
Multiple phone calls from the same number ( XXXX ), upon answering, after several seconds, a recording from a female calling herself XXXX XXXX states she is trying to collect a debt, does not provide the debtors name & says since she is unable to reach me by phone, even though I have answered the call, that legal action by the police will be taken and if I do not respond they will come to my home. I called the number back, and the recording said they were Cambridge Asset Management. I called a second time & was able to reach a live person, but when I mentioned the message from XXXX XXXX, they hung up on me. I have never received any written correspondence from this company.
around XX/XX/XXXX  me and my wife had let a Friend stay with us as they were are on hard times we did not know that this person was going on are computer ordering things using   XXXX   this was done without are consent or permission and we had no knowledge until it was too late. upon discovering this i notified my bank which was  XXXX  and reported the issue and fraud a credit was given to us for the charges and fees at this time.  XXXX  on the other hand was not so friendly under the circumstances. hours spent trying to get it corrected to no avail. on XX/XX/XXXX  i received a collection notice from a company called MRS and was told i owed   XXXX    to    XXXX    which i again tried to correct which i failed to do so. neither the collectgion agency or   XXXX   want to hear anything but when will i pay them for things i did not purchase. i contacted MRS on XX/XX/XXXX   XX/XX/XXXX and XX/XX/XXXX . ive received no help from them at all.
Problem : Bank of America ( BOA ) accessed my account without my authorization via a system override to create a pay to account to pay themselves. I noticed this when I received an Email stating : " a pay to account has been set up for account xxxx ... If you did not create this pay to account please contact us. '' I do not use the bill pay system at BOA to pay my credit card. I pay my credit card balance in full ever month ( sometimes twice ). I use the balance transfer process to pay my balance for this credit card. I felt violated that BOA misused my financial information for their benefit - without my authorization. When I contacted BOA to get it addressed I was told that " I created the pay to account. '' To which I advised that I did not, and requested that the representative check the records to validate payment process used to pay the card every month. I further noted that I did receive an Email from BOA to contact them in the event that I did not create this pay to account - and was following the guidance of the Email by contacting them and making them aware of the problem. I requested a supervisor and was given the XXXX XXXX in the XXXX PA office, who agreed - this was a misuse of my financial information for their benefit, and should not have occurred without my authorization. She then warm transferred me to a Online Banking representative ( XXXX, Lastname unknown ) who advised that a " system override '' was used by BOA to authorize them to access my account to create this pay to account on my behalf - confirming this was not done by me - the customer but by BOA. I feel like BOA has taken advantage of my trust in creating a direct route to access my financial resources to pay themselves. The account has never been past due and I have always paid my balance on time and in full. Customers should be aware that this is happening. If they can access your account to set a payment account for themselves, whats to stop them from creating a system override to filter money from your account. This is wrong, it is an unauthorized misuse of my information. They should not have the right to go into my account to make this change. This leads me to believe that my account information is not protected from BOA employees. For the purposes of this complaint the manager in XXXX PA and the online banking representative was very helpful. Please redact their names for publishing purposes so they are not retaliated against by BOA. Their names were provided to benefit the investigation. I did ask for a policy, procedure or other documentation where BOA has notified customers that they can make this type of change, and was advised there was no such documentation. I also asked for a customer inquiry, reference, or other tracking number to document the call today, and was advised that there was no such reference number. ( Which is why the manager in PA provided her name. )
I recently checked my Experian credit report and found inquiries I did not authorize from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX ... Experian has not given me written documented proof I consented to these hard inquiries as required per section 605 and  section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act.