WillisBack/dataset-financial-user-claim huggingface dataset:
I received a collection call from the XXXX XXXX regarding a payday loan dating back in XXXX. I have already attended court procedures ( XXXX meeting ) for my Chapter XXXX Bankruptcy, on XXXX XXXX XXXX and currently waiting on discharge. The collection company has my attorney 's name and contact number. My attorney called them on XXXX/XXXX/XXXX at XXXX and this company would not provide any information regarding who they were representing.
Creditor Contact DetailsXXXX XXXX enrolled me in auto-pay without my permission. They did not send emails or any other notice of payment due. The first notice was through email after my account was already 30 days late. This lowered my credit score significantly. 
XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX
At XXXX XXXX on XX/XX/2017 ... We received yet another telephone call from ( XXXX ) XXXX. The caller ID listed the number as belonging to Portfolio Recovery. When the voicemail came on the caller hanged up. We immediately called the telephone number back. We spoke to a Representative that identified herself as being XXXX XXXX. I advised this Representative XXXX that earlier this date, I spoke with another Employee, namely XXXX XXXX. It was the same type caller showing the same caller ID ... ( Portfolio Recovery ... that hung-up when the voicemail answered the call at XXXX XXXX on this same date, XX/XX/2017. We have at least Three ( 3 ) calls this week from Portfolio Recovery. ( The numbers were ( XXXX ) XXXX ... @ XXXX XXXX and @ XXXX XXXX ... and ( XXXX ) XXXX @ XXXX on XX/XX/2017. ) After speaking with the last Representative XXXX, I requested to speak with a Supervisor. Minutes later a Supervisor whom identified himself and XXXX XXXX came on the call. I advised Him that I had requested earlier today that " NO MORE CALLS '' ... be made to Our number ... YET ... I received another just a few minutes ago. This is Telephone Harassment and I want this to cease.
Upon obtaining my credit file, XXXX was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent XXXX a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response XXXX sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

XXXX then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

XXXX know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.
on XX/XX/2018 via united states postal mail, I received a letter from the XXXX XXXX company stating that they received validation from the illinois federal courts that a chapter XXXX and chapter XXXX bankruptcy is being reported under my name. lexis nexis is being dishonest in its investigation as I too requested any information being reported in regards to a bankruptcy under my name to the illinois federal courts as referenced in their original consumer file that I requested and received. per the illinois federal bankruptcy courts ( letter attached ) they have not reported such information to lexis nexis or any other credit reporting agencies. 



I
You will see that on XX/XX/XXXX, I have asked for a THIRD time that American Express removed two inquiries on my credit reports that I did not initiate. They can not prove to me that they have written signature matching my personal signature. In addition, they can not provide video surveillance of the person ( s )  who used my information to make an application with their company -- not once but twice! 

PER THE FCRA LAW, they are to remove the inquiries immediately since they can not provide me PROOF OF SIGNATURE. Not electric signature, my handwritten signature
I have been experiencing issues with my chase freedom credit card # XXXX autopay. For the month of XXXX there was no debit from my account then for XXXX the entire balance was debited from my account instead of the minimum payment. This made my bank account negative, I immediately went to my bank, the error was notated to my account, and I was encouraged to contact Chase which I did. Chase customer service arranged a XXXX way call with my bank, at which time they initiated a transaction to return all funds to my account with the exception of the minimum payment. I had no further contact from Chase, while completing a mortgage application on XXXX/XXXX/2016 I became aware my Chase account is reporting late and over the limit greater than {$1000.00}. I am devastated and this alone prevented me from making an offer. I since made a payment bringing the card under the limit but attempts to resolve this with Chase have been futile, meanwhile my credit score has dropped XXXX points.
Maintained a credit card with Discover Financial services, for 3+ years and did n't file a fraud complaint until 2 months ago. After filing a fraud affidavit and sending the fraud department supporting documentation, Discover Financial Services sent me 5 confirmation letters stating my funds have been credited as of the beginning of XXXX 2016. Upon checking my account everyday since beginning of XXXX, no funds have been credited. Discover financial services owes me over XXXX XXXX dollars in credits. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.
My personal information was compromised. I receieved a letter from XXXX letting me know my was XXXX of the acccounts with identity theft. I am working along with XXXX to restore.
I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. 

No debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency.
On XX/XX/XXXX and XX/XX/XXXX three transactions were made from XXXX and XXXX. PayPal approved these transactions, while XXXX available balance was {$0.00}. They then went on to charging my XXXX XXXX checking account, which was also at a {$0.00} balance. So although PayPal balance was not enough, because again it was at a {$0.00} balance, amd my XXXX account DECLINED, PayPal decided to approve these transactions. Now before I proceed I should mention these transactions were NOT approved or done by ME, XXXX XXXX. Nor do I know who made these purchases. I have checked my XXXX account and can see the two purchases totaling {$36.00}, one for {$27.00} and the other for {$9.00}. I have received one of the many things ordered. 

Now, my problem is PayPal is attempting to charge these items over and over again, causing my XXXX account to fall in the negative balance of {$220.00}, ALL which is NSFs. The payment will not go through because I dont allow my account to be overdrafted. 

PayPal approved these transactions knowing there was no funds, because Im am pretty darn sure they wont approve a transaction made through them if there is no money. Just like using your debit card at the store and it not having funds. I sumbitted a complaint with PayPal and their response was this is not an unauthorized transaction which is partly true, because although I didnt authorize it, PayPal did. 

Now I dont want or need the items purchased on XXXX, but will pay them, since my PayPal account is also negative due to these purchases. I can also return them, although I havent received all the items, but that wont pay the NSFs and will take weeks to return. 

Secondly the XXXX purchase for {$3.00} should of also been declined but again I will pay that. 

And all of these items show as paid with PayPal balance, and shows my XXXX as back up. I dont understand why XXXX is involved. 
I just want all those fees to be taken care off and for PayPal to close my account when all of this is over. I am very disappointed with their customer service, they made me feel like a liar and a thief, when in all honesty they are the crooks.
I have tried to reach XXXX numerous times through the 3 credit bureau's since XX/XX/XXXX 2017 in regards to in accurate information reporting on my credit report. They are reporting duplicated and inaccurate information in which is killing my credit file and costing me thousands of dollars in interest every year.XXXX  /Account# XXXX****is reporting 4 times on my credit report with the same account number.
As a XXXX veteran, I applied for a VA refinance loan for my primary residence from XXXX XXXX XXXX XXXX in XXXX, SC XX/XX/2016. With all pertinent information in hand, I delivered my application to the loan officer who promptly checked my credit score with TransUnion and other credit reporting agencies and informed me that my TransUnion score stood at XXXX, far below their lowest requirement of XXXX and therefore was denied a VA loan from their establishment. That surprised me because I had subscribed to popular credit score company XXXX XXXX which reported my score was above XXXX. The loan counselor advised me that website credit scores and official credit scores use different formulations and the scores may not match. Although disappointed, I did not dispute the denial. However, I then joined the TransUnion credit score website for a fee, which also listed my credit score by TransUnion above XXXX. Confused, I continued to work on my credit hoping to get a better official credit score in the future. On XX/XX/2016 I applied for a home improvement loan from XXXX of {$2400.00} but was denied credit in part because of a credit score of XXXX. I promptly called TransUnion and asked for my credit report at cost, including credit score which I recently received in the mail. The credit score included in the report dated XX/XX/2016 is XXXX grade c and not the XXXX score quoted to XXXX, my prospective creditor. I now feel like I have been discriminated against for some unknown reason. I have complained to a loan officer at XXXX XXXX via telephone to no avail. I have notified XXXX via U. S. Mail of my intentions to dispute their decision. I have not officially notified TransUnion yet, but intend to do so. I would like for TransUnion to explain to me why they listed my credit score with prospective creditors at such low level but continued to tell me via their website and credit karma 's website that my score was much higher. The result being credit denial and major personal embarrasment. I would like an official apology from TransUnion explaining their error, if any, and I would like for them to correct the score given to XXXX XXXX XXXX XXXX and XXXX.
The credit reporting company Equifax will not allow me to place a temporary lift on my credit report freeze. 
The company 's website says it can not process the request ( " We are currently unable to service your request. Please try again later. " ). 
I have tried multiple times. 
The live person customer service phone line says all operators are busy then disconnects the phone call. I have tried this avenue multiple times.
To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that 3 late payments was reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my credit card account. 

I want you to know that I understand my financial obligations and for the majority, I have an excellent repayment record. I made a mistake in falling behind, but since then, I have hired a financial planner to help improve my money management skills. 

I'm not proud of this black mark on my record, but it's the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. Im planning to apply for a mortgage and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments so that I can further improve my credit score. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment.
My complaint comes from the fact that Avant a personal loan company based out of XXXX, was having trouble with my payments. I was attempting to make my payments, however they were securing the funds from the wrong account. ( AN ACCOUNT THAT WAS NOT MINE )!!!!! I noticed this immediately, and called them to let THEM KNOW that they were not collecting correctly, and I was trying to make my payment. ( i Have never had so much trouble trying to convince someone to take my money ) After I called and let them know that they were making a mistake, they charged me for the interest for the " late payment ' This payment was never late, and could not have been addressed any sooner than after my scheduled date to make a payment. As soon as it was able to be fixed, I again reached out to let them know the mistake they were making. They said they would call me back. 

What they have done, is nothing, and have over charged me for a payment that was never late, and should have never been late. And to this date, there has been no issue resolved.
Portfolio Recovery Associates just called me today on a 11 year old debit that was off my credit report and they did try by mail in 2012
My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXX and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off.

It is within my rights under the FCRA to request the said  documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX
The original company XXXX XXXX sold us a house. Later the loan was sent over to SN Servicing. A couple years after buying the house when we went to file exempt from paying taxes, we found out we did not own the house. We also found out SN Servicing bought the house. They first told us we were leasing the house. When I asked about paying a mortgage and signing so many papers then they said its a Land Contract. The contract we signed was fixed rate mortgage and the mortgage keeps going up. She said its because of escrow and escrow has nothing to do with mortgage. Either way, we are both exempt from paying taxes. They said the only way we would ever own this house is to refinance or to pay it off. I'm not even sure if the paperwork they sent me is the original that I signed. We were not given a copy on the day we signed.
I LIVE IN A ROOMING HOUSE, MY IDENTITY WAS STOLEN AND MULTIPLE APPLICATIONS AND INQUIRIES WE MADE FRAUDULENTLY UNDER MY NAME. MY ROOM WAS BROKEN INTO YEARS AGO AND ONCE AGAIN RECENTLY..I NOW HAVE PROTECTION SO THIS WILL NEVER HAPPEN IN THE FUTURE..
Had my computer stolen end of last year or beginning of this year. It had all my info on it all my pass words saved on it and all my dates would fill in any application. with all my correct info hope you can help. Someone tried to get credit card about XXXX or so really dont know exact amount of inquires they made.
My Direct deposit is not showing up I cant get in touch with anyone through Rushcard this has been a big hassle for me all their nimbers are busy constantly
Have a loan through Navient. Applied for forebearence that was applied XXXX XXXX through XXXX XXXX but Navient refuses to update their credit reporting to XXXX. I have disputed through XXXX, but they did not update and will not allow me to submit another dispute and Navient refuses to correct.
XXXX {$5100.00} is showing good on all XXXX credit reports Cause they are not reporting this info. to all of the credit companies.
I contacted XXXX in regards to a collection account, ProCollect, that was being reported incorrectly on my credit report. I disputed the item with XXXX on XX/XX/2018 ( certified, signature receipt ). XXXX sent me an updated report ( confirmation # XXXX ) and corrected most of the error but left one  remaining which is affecting my credit score. ProCollect ( collection company ) is reporting that it is still open when it is not. I have sent XXXX a copy of my Chapter XXXX bankruptcy ( XXXX ) filings showing them that ProCollect was included and that this account should either state included in chapter XXXX or state that it is closed. I have a copy of what I sent to XXXX with a copy of the certified mail receipt.
I voluntarily gave a vehicle back to santander consumer USA inc. on XX/XX/2016. Ever since then they call every week even though they will not accept a settlement amount. I have asked for documentation of where the car was sold to confirm the remaining balance, and they have refused to send that to me. I need documentation for my records to ensure that the amount remaining is in fact the correct amount. I have tried to work out payments, but they want a ridiculous amount that is over the amount we tried to settle for in the past. This situation is hindering me financially. I made the decision to send the car back, due to the interest it was collecting and not being able to ever pay the car balance down any in the 3 years I had the car.
We have a current file case. XXXX. We have additional information to add. We have been in the process of trying to get a loan modification for the second time to no avail we have also experiences charges from the information that I have copied. 
The agencies also allege that Green Tree pressured consumers to make payments via XXXX, a third-party service that charges a {$12.00} " convenience '' fee per transaction, claiming it was the only way to pay, or that consumers had to use the service to avoid a late fee. 

Mishandled Loan Modifications and Delayed Short Sale Requests According to the complaint, in many instances, Green Tree failed to honor loan modifications that were in the process of being finalized when consumers ' loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. In addition, Green Tree took up to six months to respond to consumers ' short sale requests despite telling them it would respond much more quickly. These delays caused consumers to lose potential buyers, miss other loss mitigation options, and face foreclosures they could have avoided. 

Misrepresented Account Status to Consumers and Credit Reporting Agencies Thank you for your support.
I CAN NOT believe that TransUnion is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can TransUnion verify inaccurate information as accurate? By law it is TransUnions job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. 

I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Transunion lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX/TransUnion XX/XX/XXXX. How is this accurate? 

TransUnion lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?