WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX I made contact with Jefferson Capital LLC located at XXXX, MN XXXX regarding a collections account that they are reporting to my credit report. I spoke with a representative named XXXX with ID # of XXXX, after explaining that the account they are attempting to collect on was opened in XXXX and closed in XXXX ( Jefferson Capital LLC is reporting the account was opened in XXXX ) I questioned why it shows it was opened in XXXX. XXXX informed me that XXXX is when they recieved the file and could report that date legally. I then asked if they report the file being opened in XXXX that would mean it would stay on my credit report until XXXX instead of XXXX ( if showed reporting from XXXX ). She then told me that I was correct and it will continue to show as a new account from XXXX then would remain until XXXX. When I advice her that I think that is illegal she told me it can be done because that is when they received the account. If this was the case and a new company bought the debt from Jefferson Capital LLC and placed a new open date, the debt would never be removed from my credit report.
My bank account was over drawn by {$430.00} after multiple overdraft fees being added and bills being deducted. As a XXXX XXXX XXXX, and recently going independent in that field, money gets tricky to come by in the beginning. I finally closed a sale. I received a {$12000.00} ( {$11000.00} ) check and deposited it on the morning of XX/XX/XXXX at XXXX XXXX, at my local Bank of America ATM. 

Of the {$12000.00} ( {$11000.00} ), {$300.00} was placed into my account. Still leaving it in the negative by {$130.00}. Still at risk of further over draft fees. The remaining {$11000.00} is placed on hold until XX/XX/XXXX. 

I will continue to have bills drawing on the account. Again putting me at further risk of over draft fees. 

On the receipt from the ATM at the time of the deposit, it does give me a reason for the hold. " A hold was placed on your deposit because the account had multiple overdrafts in the last six months. '' I get that. But to hold {$11000.00} back over {$430.00}, seems extreme. I can see holding a chunk. But no, they leave me negative and will keep collecting over draft fees and making money. I have bills and need to survive.

I have called Bank of America twice and gone into the branch at which I deposited the check. Everyone tells me the same thing, my account is high risk and nothing can be done about the hold.
Due to incorrect information provided by XXXX and statements being sent to an incorrect address this account was incorrectly defaulted. I continued to set up a payment arrangement with the citizens bank which is the owner of the loan, XX/XX/XXXX i sent in several payments and they were returned to me in the mail, I pursued to call citizens bank on XX/XX/XXXX to see why the payments were returned and was advised that the loan was with the " bankruptcy department '' i advised that I have never filed bankruptcy and immediately disputed this directly with citizens bank. on XX/XX/XXXX I contacted the credit bureaus and disputed the reporting to which citizens bank and XXXX confirmed that every thing was correct. i called back the company on XX/XX/XXXX and spoke to a representative XXXX, the rep advised that the account is still in bankruptcy. I advised that i need to have my account rectified as i am incurring several negative issues due to this. I asked the rep to have a letter sent to me confirming that the account has been removed. XXXX went on to advise me that she can not do this and all letters of such goes through the legal department and that takes XXXX months to complete. she went on to transfer me to the bankruptcy department that denied providing me any information on my account in regards to when the account was placed in bankruptcy or why it was placed there, although i was fully verified. i was then finally transferred to the legal department to a rep named XXXX. After a detailed explanation XXXX advised me that my account was incorrectly placed in bankruptcy on XX/XX/XXXX. I forwarded a letter on XX/XX/XXXX with tracking number XXXX detaling all my various disputes and inquiries that the company incorrectly provided information to the credit bureaus to and requested that as a result of several violation of the fair credit reporting act, this account be removed from all credit reporting. on XX/XX/XXXX I received a call from XXXX XXXX XXXX who had no information on the account and advised me that the company had never received a letter although the tracking showed it was received and signed for by their agent. she stayed several weeks reviewing this and on XX/XX/XXXX seven months after I initially disputed the incorrect reporting of my account as bankruptcy i was sent a letter stating that the account was placed incorrectly in in bankruptcy on XX/XX/XXXX and removed from bankruptcy on XX/XX/XXXX. during that time I have been denied a mortgage by XXXX XXXX, denied credit cards, and had credit cards approved with very high interest rates. I would like to have this account completely removed from my reporting due to violation of my rights on several accounts.
1. On XXXX/XXXX/2016, I transferred {$480.00} and {$46.00} from XXXX external accounts to my Chase checking account. I was expecting these funds could be used within 2 business days. 
2. On XXXX/XXXX/2016 ( which is the third business days after XX/XX/XXXX ), I transferred {$40.00} out of my Chase checking via XXXX before I found out that the previous XXXX transfers were not deposited into my account. 
3. On XXXX/XXXX/2016, I was charged {$34.00} as INSUFFICIENT FUNDS FEE though I have over {$500.00} transfer in pending since XXXX/XXXX/2016. 
4. I argued with Chase but they said it is the policy and they would not waive the fee.
My Macy 's American Express account was compromised resulting in approximately XXXX of fraudulent charges being made on the account. Even though these charges were flagged by fraud protection, they allowed multiple charges to be made to my account. Following my immediate response to fraud protection identifying the fraudulent charges, I was assured that I would be sent a fraud claim for processing and to not pay on the fraudulent charges. I never received the fraud claim. Upon following up on the claim form, I was provided XXXX different scenarios by XXXX different Macy 's American Express fraud department personnel about what action to take regarding the balances and how they would be reported to the credit bureaus. I am on call number XXXX and on hold again waiting for a supervisor to give me what I hope will be correct information. I simply need to know if I have to pay interest and fees on the fraudulent charges to avoid being reported negatively to credit reporting bureaus until the issue is cleared up. XXXX different people gave me XXXX different answers. None seemed to independently be able to explain what happens in terms of credit reporting on my account in regards to this issue. That is just unacceptable. They recommend that I do not pay the fraudulent charges but can not explain the credit reporting scenario associated with me not paying those balances. It is unconscionable to me that Macy 's American Express would allow flagged charges to proceed and then - not mail me the fraud report timely - or explain what transpires with the associated credit reporting scenario. I have excellent credit and find their level of incompetence unacceptable for an agency that can report damaging financial information to my credit report after they allowed obviously fraudulent charges to be made to my account.
I was ( rightly ) charged a late fee for a payment. The following month I made my normal monthly payment on time, howrver Capitol One charged me an additional late fee because I did n't pay the first late fee. So they 're charging me a late fee- on a late fee. 
When I called, I was told by the representative that the late fee is rolled into the loan balance- which in my understanding is illegal
Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Equifax,  XXXX , and  XXXX  over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies like are one in the same, but neither one can help I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at least five times per year, and rarely check my credit report. Essentially because of my business, I live on  the road. R ecently after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.
This is an ongoing problem for which I have complained many times to the company, to no avail. I use a XXXX service ( virtual private network ) to surf the internet, especially for financial translations, like credit cards or online banking. I do not connect to the internet via wi-fi. For all my other online credit card access ( at least 7 other credit cards ), I am able to log into and check my accounts with no problems. I only have a login problem with Citibank. I get a " temporarily down '' error message. The customer service reps say that 's a generic message. On XXXX/XXXX/XXXX, I sent their technical team an email with a screen shot of the error message which also shows that their site is considered a " trusted site '' by my ad blocking software, but they have not responded. I simply do n't understand why I have no problems logging into other credit card accounts using a XXXX, but not Citibank.
I have an unverified account from CONVERGENT. I had previously disputed this account. I have never done business with CONVERGENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ONVERGENTProvide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I Noticed The signature on those document they send me. That, s not my signature.I wrote a latter to collection representative XXXX XXXX XXXX asking to remove that debt is not mine. I hope they do they write thing by deleting that information not matching Signatures That is not mine.
I paid a debt I had disputed on my credit file because I did not want to deal with the hassle. The offices of Howard Lee schiff pc continue to garnish my wages anyway. The past few years have been harrowing. I closed numerous bank accounts because they came after me every time I disputed my credit file. I was never given an opportunity to come to court to argue a defense because they never mailed me a copy of a writ to appear in court. I received only a garnishment letter from my employer and felt I had no other recourse but to pay the debt which I refuted and never got verification on. However I was able to remove partially from a couple of the bureaus because of statute of limitations and other reasons. When I called the office they confirmed the debt was paid off but they are still stealing my money from my wages. How can garnishment proceed when the debt is already paid? I called the state Marshall that executed the garnishment and I found out that the money that was granted in judgement is far less than what they had me pay for this debt. I called several times and spoke with numerous people at the firm that confirm the debt was paid and my employer will get a stop order for this garnishment. The tip of the ice burg is that this debt expired statute of limitations months ago even if I owed them money in the first place and the amount reported to the credit bureau is significantly less than what I was charged. my money is being stolen and I 've been through to much with this firm over the years in ruining my credit.
Transunion credit bureau is not reporting 5 credit card accounts on my credit report. 

They are : XXXX XXXX XXXX XXXX XXXX Credit Card. 
XXXX XXXX XXXX XXXX XXXX XXXX Mastercard. 
XXXX XXXX  XXXX XXXX VISA credit card. 
XXXX XXXX XXXX XXXX credit card mastercard last 4 digits : XXXX. 
XXXX XXXX credit card. 

All of these credit card accounts are open and in good standing.
Ive  am sti ll paying for a Student Load  (   XXXX   XXXX   XXXX   ) si nce   XXXX    .The original loan was    XXXX  Dollars I am still paying extremely high late fees and high interest for over 20 years later for this loan due to a default. .I make prompt monthly payments.Can you help help me?
I disputed a collection back in XX/XX/XXXX from XXXX in the amount of {$460.00}. In XX/XX/XXXX it was removed until XX/XX/XXXX. However, it was re inserted back on my credit report. On XX/XX/XXXX I sent Experian, XXXX, and XXXX 5 day reinsertion letters. Which were true. I was never notified of the reinsertion by anyone. Experian, sent a letter back to me stating that the collection is verified and found to be true. How is it true, the law in my letter specifically stated that I am entitled to know what steps they took to verify an account that is clearly not mine. My name is misspelled on this so called itemized bill they sent me. Like really, this is not me, I know my name and how to spell it. Only thing the collection agency gave was a bill with a misspelled name. XXXX and XXXX removed it back off immediately, after the five day reinsertion letter. However, Experian states it 's verified, and I know it 's not. I want to know how it 's verified. I want this account removed asap, and my credit score restored. This is really unfair, they made my score drop as well as make miss out on getting a house. My score was n't XXXX, but it was enough to get me pre approved. If it was truly mine, I would honestly pay my debt, but this here is n't mine.
I was trying to purchase a home, however my credit score was low and after receiving advertising from Lexington law firm about credit repair, I went ahead in the hopes that they can assist me in getting negative information off my credit report. After realizing that this company is not who they claimed to be, I requested that my account to be closed. I have made several requests stemming back from XXXX of XXXX until as recent as XXXX/XXXX/XXXX asking that this account be closed, however Lexington law firm continues to ignore my request and continue s to withdraw funds from my account with out my authorization. After realizing that Lexington law firm has not honored my wishes I am left with no other options but to seek assistance from your agency in obtaining a refund and getting these folks to close this account. I truly value your assistance in this matter. 

Cordially XXXX
Within Equifax the accounts of XXXX XXXX Account XXXX is not mine and XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute.
I am disputing the only adverse account on my report, which is XXXX # XXXX XXXX XXXX XXXX XXXX for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XXXX XXXX, 2013 when my bill was paid in full thru XXXX XXXX, 2013. 
On Friday, XXXX XXXX, 2013, at approximately XXXX when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XXXX XXXX, 2013. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XXXX XXXX, 2013 when my account was paid in full thru XXXX XXXX, 2013. 
I owe XXXX nothing!
Filed Chapter XXXX on XX/XX/XXXX and This information is still reporting negative payment history on my Credit Report. I would like each item TO BE REMOVED FROM MY CREDIT REPORT : XXXX XXXX : Partial # XXXX Addr. Id # XXXX : Still reporting negative 30 day late from XX/XX/XXXX XXXX XXXX Partial # XXXX XXXX. Id # XXXX is still reporting negative 150 day delinquent as of XX/XX/XXXX. 
XXXX : partial # XXXX XXXX NK XXXX XXXX XXXX is still reporting open collection from XX/XX/XXXX on XX/XX/XXXX 
XXXX : partial # XXXX Addr Id XXXX is still reporting negative late XX/XX/XXXX 
XXXX BANK XXXX XXXX : partial # XXXX Addr Id XXXX is still reporting XXXX late from XX/XX/XXXX to XX/XX/XXXX negative late XXXX/XXXX/15. 
XXXX is still reporting 180 days past due from XXXX to XXXX. 
XXXX XXXX CARD : Partial # XXXX Addr. Id XXXX is not mine. 
I have contacted each creditor as well as each credit reporting agencies and have not been abIe to get this resolved. Can you please help me?
States he is from XXXX XXXX XXXX. States my husband and I are going to be criminally charged for payday loans taken out in 2015. I told him to send me paperwork. They have called my mother in law three times now and both of our employers. I told them this is not allowed. Plus they are not allowed to call them more than once. He is threatening criminal charges which is also illegal. I told him to send me paperwork to verify his claims. He told me good luck. I know they can not threaten criminal charges on a payday loan. I also know payday loans are illegal in my state. I can not recall taking these out. I do not appreciate them breaking the law and trying to blackmail me to get me to pay. He said his personal phone number is XXXX
Hunter Warfield became a part of my life in XX/XX/XXXX. Hunter Warfield reports that they are the collection agency for an apartment that I had in XX/XX/XXXX. I moved out of the apartments they are collecting a debt for on XX/XX/XXXX however after checking credit due to receiving numerous of calls from Hunter Warfield they have been reporting on my credit report since XX/XX/XXXX ( I was still staying in the apartment at this time ). The company as stated above calls soooo many times a day that it is becoming harassment. They will contact my cell phone and turn around and call my house phone and repeat. When I first became aware of hunter warfield being on my credit I request that they provide validation due to the timeframe being off. The company sent me a letter typed on letterhead but it was not validation to the debt and the amount was not accurate. When speaking to a representative they are VERY unprofessional and demand funds on each call. On many occasions when receiving voicemails from this company, they leave you DOB, as well as your SS #, which I'm sure is a violating of some sort. I have reached out to my old apartment complex to possibly confirm Hunter Warfield being a collector for there agency but this is still not being verify. At this time Hunter Warfield has not provide information im abide to in accordance with fdpca, which mean they have not properly validate the debt they using bully tactics to received. I have dispute this account on 2 occasion and they are stating they meet the FCRA requirements but they have NOT. I am requesting that this account be deleted from my account immediately. I have no contract with the company and this company as well as the suppose original creditor has no contract to confirm I am responsible for paying the incorrect amount they are requesting. Please ensure that this information is properly deleted from my acoount due to the company not being able to validate the information within the proper timeframe with the proper legal documentation. 

Thanks
XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XXXX of XXXX. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XXXX of XXXX. Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX   was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX as of yet.
I had closed my account with my phone carrier " XXXX '' because i was leaving out of the country. I called to cancel the account on XXXX 2014, they wanted to charge me for XXXX 2014 which i was not going to use.
Sent letter on XX/XX/2018 received response on XX/XX/2018. No validation waa obtained