WillisBack/dataset-financial-user-claim huggingface dataset:
There are 3 credit collection companies reporting duplicate credit accounts on my credit report. I have challenged several of the accounts and they are initially removed, and then placed back on my report sometimes several more times. The three companies involved are XXXX XXXX XXXX XXXX, Commonwealth Financial Solutions, and XXXX XXXX XXXX XXXX XXXX. 

The first account is owned by XXXX XXXX for a balance of {$700.00}. This account appears on my XXXX  report four separate times. The dates the accounts were opened are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$480.00}. This account appears on my XXXX account twice with opening dates XX/XX/XXXX, and XX/XX/XXXX. This same account also appears on my XXXX  report 3 separate times with opening dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of TWO and THREE delinquent accounts for one debt.

The next account is owned by Commonwealth Financial for a total of {$660.00}. This account is reported on my XXXX report FOUR times with opening dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account also appears on my XXXX report FOUR times, with the same dates. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by Commonwealth Financial for a total of {$440.00}. This account appears TWO separate times on my XXXX report. The opening dates on this account are XX/XX/XXXX and XX/XX/XXXX. This same account is reported on my XXXX  report TWO MORE TIMES by XXXX XXXX XXXX XXXX XXXX with opening dates of XX/XX/XXXX and XX/XX/XXXX. This account appears to have been initially owned by XXXX XXXX XXXX and was sold to Commonwealth Financial however both companies are continuing to report the account and both companies are reporting the same account twice for a total of FOUR delinquent accounts reported for one debt. 

The next account is owned by XXXX XXXX for {$400.00}. This account appears on my XXXX report THREE separate times. The opening dates on this account are listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt.

And the final account is for a total of {$240.00}. This account appears on my XXXX account under Commonwealth Financial TWICE with the dates of XX/XX/XXXX and XX/XX/XXXX. This same account appears a third time on my XXXX report listed as XXXX XXXX for the same total with an opening date of XX/XX/XXXX. These are all three clearly the same account. These companies are fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

I've attempted to challenge these accounts, but as I stated, when I challenge the account they just add it on to my credit report for a third, fourth, or fifth time.
On 08/2013 XXXX XXXX XXXX XXXXXXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
my car was totaled by an accident on XXXX XXXX 18. 
my insurance company paid honda. honda sent me a letter not to continue to pay the lease. then they sent me late notices. i called them they said i had to pay the lease for a car that was paid off by my insurance company. then i get a letter from honda that the car is paid off. the issue is that my credit is wrecked and i annot get it repaired because of this.
My husband and I have had a joint account at PNC Bank for a while now. On XXXX XXXX, XXXX my husband passed away. On XXXX XXXX, XXXX, his social security check was dispersed to the account and I withdrew the funds as usual to pay expenses. The bank later withdrew the funds saying they did so because he had passed. I visited the bank and spoke with XXXX XXXX. She told us the bank placed a hold on the account pending a response from Social Security. My daughter and I visited Social Security to gain clarity. We were told they had not requested a refund from the bank as I was entitled to the funds because they were a payout from the month of XXXX when he was still alive. We went back to the bank to tell the representative we had met with what was said at Social Security, but were met with a denial. At that point the representative said the government had a hold on the account even though a couple hours before she said the hold had been placed by the bank. XXXX XXXX said we needed to meet with the branch manager who would return on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we met with the branch manager, XXXX XXXX. She stated she needed proof from Social Security that I was entitled to the funds. My daughter called the Social Security office and placed the call on speakerphone. The Social Security representative stated the same information as the representative we spoke with in the office the day before- that the bank should not have withdrawn the funds. However, XXXX XXXX stated they did not know their jobs even though the representative stated she would be able to send something to the treasury to the same effect. After waiting a few minutes, XXXX XXXX asked my daughter to contact the Social Security office again and ask if they could email the release statement directly to her and she would forward it to the treasury department. When my daughter called the third representative said she could not email it because of the confidential information. She also stated she did not see information from the treasury requesting the money back. She stated she sees the funds were paid to the bank on XXXX XXXX. She said if the bank chose to send the funds back, I could fill out an underpayment form to get the funds back. In the meantime, my check direct deposits into the bank tomorrow, XXXX XXXX and the bank is going to take my whole check to settle the overdraft fees they unnecessarily caused. I am left with no money to pay my bills and at XXXX XXXX XXXX I have no other source of income. The bank caused this error and are not hearing my pleas for help to stop it. They have been told my multiple people at Social Security that they should not have taken my money, but they refuse to put it back. Please help me get my money back before I lose my home. I am suffering enough from losing my husband of XXXX  years.
I received a letter from Dynamic Recovery Solutions stating that owed {$3000.00} to XXXX XXXX XXXX XXXX XXXX and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or XXXX XXXX Services. I wrote a letter to Dynamic Recovery Solutions disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.
Capital One states regarding XXXX payment it is 45 days past due until today ; Ive made a payment XX/XX/XXXX for XXXX dollars also a payment on XX/XX/XXXX for XXXX dollars creditors give a grace period before reporting late payments to the credit bureaus capital one is pulling this tactic of putting a late payment on my credit score to intimidate and enforce larger payments ; I was told by capital one if I dont satisfy the minimum amount due every month late payments will continue to be reported to the credit bureaus every month
I have been contacted excessively over the last 2 days and threatened with a class d felony by a retired XXXX XXXX that is now a XXXX XXXX. I also did not give permission for my number to be given out by the original credit lender. This loan is in my mother 's name and I had tried helping her catch up on payments by calling in. My number was given out without my permission to the XXXX XXXX.i want to know what can be done about this. I have recorded voice mails left that will verify any information I have stated in regards to the threats from this XXXX  and company.
The below email was sent Ally 's Financial prior to the negative late payment reporting notification that I received today. Please open a full investigation or call recordings and notes on my account that should prove I made the proper arrangements to avoid a late fee, negative credit report and negative account status. 

Thanks in advance, XXXX XXXX To Ally Auto XX/XX/18 To : Account Manager Only, XXXX : ***UNAUTHORIZED PAYMENT*** Last week, XX/XX/2018, I spoke with an account representative who advised that I had until Monday XX/XX/2018 to make the past due XXXX payment iao {$660.00}. He advised that the payment would have to be made before XXXX XXXX and that I would not be charged a late fee. The representative stated that my account would remain in good standing as long as the payment was made prior to XXXX XXXX and that he would note my account thoroughly. 

1. As agreed, I made a payment iao {$660.00} on XX/XX/2018 prior to XXXX XXXX 

2. This payment was made by a dear friend of mine, XXXX XXXX who authorized her bank card information. 

3. Someway, somehow, my personal check account was charged iao {$660.00} instead, in which I did not authorized, nor did I schedule any payment arrangements. 

4. XXXX Bank informed me that the transaction iao {$660.00} cleared at XXXX XXXX on XX/XX/2018. This transaction has been disputed. Please see the attached receipt showing the payment was made using another account. 

5. After speaking to one of Ally 's account representatives this morning who accused me of scheduling the payment myself iao {$660.00}, I prefer to only speak to an account manager who will take the time to listen and help me to resolve my concerns. 
***PLEASE NOTE : I did not schedule a payment to be drafted from my Chase personal checking account. The payment had to be manual made for me to ensure no late fee or negative reporting would occur on my account*** 6. I am requesting the call is pulled from XX/XX/2018 to confirm the verbal arrangements between the account representative and I regarding my XX/XX/XXXX payment. Please confirm the notes on my account, as well as the actions the representative took on his end. 

7. I am also requesting the late fee to be removed from my account and would like to confirm that my account is in good standing with no negative reporting 's to the credit bureau. 

XXXX. Please call me ( XXXX ) XXXX or email XXXX me with an update. 


Additional email sent XXXX XXXX Re : ***UNAUTHORIZED PAYMENT*** CASE : # XXXX To Ally Auto XX/XX/18 I would like to add, that I only received one email confirmation for payment iao {$660.00} which was authorized. Where is the email correspondence for the additional payment iao {$660.00} ( not authorized ), as well as the original email correspondence proving that I did scheduled the payment iao {$660.00} to be autodraft from my personal account. This is a violation of my consumer rights. I would like to have this resolved as soon as possible or I would be forced to ask the XXXX and CFPB to investigate on my behalf.
XXXX XXXX XXXX XXXX, ( which is operating under that name, but has a different logo than the real one ), answered my phone call, and after telling me that they had no Maryland office and that I had to come to Delaware, then told me that my request to borrow XXXX was out of the question as their minimum was {$6000.00}. After telling them I did not need that much, I was told it was the only option. I went there and was given a Black computer screen, as she read everything in the contract rapidly, and told me to sign my name on the Black screen. Upon completion, I was told to take the check to their bank and that there was no grace period for payment. upon riding back home, I opened the envelope to read the contract and was shocked to see that it said 119 % interest and payments of {$680.00} per month.
I was so scared. I managed to pay for a year, in spite of all my problems, but in the interim, lost my home, and suffered many things including lack of meals and proper food. I am still displaced. I feel that this company took advantage of a XXXX, Female, Senior citizen ( XXXX yrs old ), and that I am a victim of predatory lending. They have harassed me with calls, and I offered to do a settlement, which they never got back to me on. They have my title, and they want {$10000.00} plus the {$6000.00}. in full. I have paid them over {$8000.00}. Please help me with this.
This company is knowingly contacting me in relation to a debt that is over the allotted time period by the fcra. The debt was not mine to begin with but I am aware that the debt is past the 7 year cutoff. They have no business contacting me for any reason whatsoever.
i went to write a check and was turned down by XXXX and i requested my report and there using my b day but different name and i did not commit this fraud i want this removed i disputed this i now have my legal office writing them there using to different people info and reporting not cool please fix this at once 3rd written response.
I called Experian after bank sent me letter advising me to contact Experian. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them. 
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank XXXX and Experian have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say Experian has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what Experian is telling everyone but me. 

Regards XXXX
XX/XX/2018 Wells Fargo Mortgage XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX Originator of 1st lien amount of lien {$84000.00} # RE : XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Texas XXXX lien amount {$20000.00} RE : # XXXX   XXXX The following active complaint includes both parties above mentioned and describes current violations of consistent inaccuracy and fabricated inflated amounts as to recent and previous liens attached againts my property are disputed and my documented complaint is found herein : A ) Both liens contain, include inaccurate overcharged amounts in comparison and against the validity or as to the true amounts causing the lien documents to be falsified and deemed invalid because it directly violates The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required Section 477A Penal Code underlines the ingredients and contents of falsification of documents. The scope of this section develop two offences i.e. [ 1 ] falsifying of accounts and [ 2 ] making or abetting the making of false entry, or omitting, or altering, or abetting the omission or alteration of any entry. 

B ) The lien claims filed by Wells Fargo and XXXX are PROBLEMATIC, DEFECTIVE, EXAGGERATED with inflated charged amounts and unverifed fraudulent and hidden cost added with inadequate calculations which directly affects, hinders the validity and soundness of the lien causing a direct violation in reliance and compliance to 8 U.S. Code 1324c - Penalties for document fraud US Code Notes Authorities ( CFR ) ( a ) Activities prohibited It is unlawful for any person or entity knowingly ( 1 ) to forge, counterfeit, alter, or falsely make any document for the purpose of satisfying a requirement of this chapter or to obtain a benefit under this chapter, Please consider that your liens clearly are without merrit and also violate Federal and legal legislative rules and regulations and are not limited to prevent other Government agencys who can penalize, nullify and disrupt your delegated unacceptable, inappropriate actions. It is a known fact of evidence that all unfair, unjust, unreasonable dealings can be used against you. I would strongly recommend and advise that you release both liens without further prejudice. 

Sincerely : XXXX XXXX XXXX C/O Request for the CFPB to share my documented concerns with The Attorney General the FDIC and all parties who may have direct interest of jurisdiction to invite Justice.
Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , MO  XXXX  Phone : (  XXXX  )  XXXX  Has reported a totally FALSE debt on my credit report. Here is the explanation to  XXXX , the credit reporting agency. This is NOT MY DEBT. It does not belong to me. There is no verification or proof that shows that it belongs to me. This is a SCAM. They have DINGED MY CREDIT REPORT WITH BOGUS INFORMATION.     Midwest Recovery Systems, LLC ; Collection Reported  XXXX  ; Assigned  XXXX  ;  XXXX   XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX   XXXX  ; Amount {$850.00} ; Status as of  XXXX  Unpaid ; Date of 1st Delinquency  XXXX  ; Balance as of  XXXX  {$850.00} ; Individual Account ; Account #  XXXX  ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  : (  XXXX  )  XXXX
I have advised XXXX that this is not my debt and that someone took utilities out in my name, I was not living in the state at the time.
I called Renton Collections bc I saw a negative reporting on my credit report. After being placed on hold and transferred numerous times, a gentlemen told me what it was for. He said he couldn't accept my XXXX month minimum payment and they do not offer settlements. So he said he needed to transfer me to another person that I could talk to. This persons name is XXXX. She immediately asked why I was calling her and I told her I was transferred to set up a payment plan. She then told me XXXX/month. I told her that I'm unable to pay that much at the time and she started yelling at me saying obscene names. She said that it wasn't her XXXX problem that I couldn't pay it and what a loser I was. I asked what her XXXX name was and she said that it was none of my XXXX business. I then asked to speak to her boss and she said was the boss. So I asked if I could speak to someone above her. She said she was the boss and that my broke XXXX needs to pay the bill or shes threating garnishment today. I said what if I file bankruptcy? She said not if I beat you XXXX and hung up the phone. Ive never been treated so horribly to try and pay a bill!
XXXX XXXX XXXX XXXX, the owner of my mortgage, has a rule in place that unfairly prejudices a homeowner in the foreclosure process from being fairly considered for a HAMP loan modification. While in a foreclosure status, my mortgagee refuses to accept any payment that is not the full reinstatement amount. For example, while in a foreclosure status, the mortgagor can not pay monthly payments. For example, the mortgagor can not make a {$50000.00} payment if {$51000.00} is the reinstatement amount. The loan amount in arrears is a key determinant in whether a loan is modified. The loan modification process takes a very long time. In my case, I received a foreclosure status on XX/XX/XXXX and I received a loan modification rejection notice on XX/XX/XXXX -- this is 13 months when I could not make any payments, 13 more months of loan arrearage that I was prevented from addressing by this rule ( I tried and the payment was returned ). This rule directly leads to increased arrears, which adversely and materially reduces the probability of a successful loan modification. This is grossly unfair to the conscientious consumer. I have called and emailed the loan servicer, Select Portfolio Servicing, multiple times about this rule and have been told by various customer service representatives, " It's the rule and there's nothing I can do about it ''. Sample dates of contact when I discussed this subject include : XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX.
I purchased an item in 2014. Five months after the MFG warranty expired, the item broke. After reading Discover Cards Extended Product Warranty information posted online, I opened an Extended Product Warranty Claim. I spent some considerable time gathering information to complete the " checklist '' requested by the warranty company, and was quickly denied. 
The denial was regarding my combined use of my Discover Card and a Gift Card. The Claim Benefit Services used a reason that contradicted the terms Discover Card has posted online. Upon further investigation, the warranty company stated that the product was covered under an old warranty policy which denied such a claim. The new policy would only cover the amount which was put on my Discover card. This seems a bit convoluted and I feel the ball has been dropped somewhere b/w Discover and their warranty company with me in the middle unable to use a benefit they are claiming I can use.
I submitted dispute to experian to remove public record Index No. XXXX Civil court of NY via certified mail and still have not received a initial response. I also have sent prior dispute without a single letter of receipt by experian. the default judgement has been vacated
My wife is the executor of her father 's estate. He passed on XX/XX/2017. He had an account at Suntrust Bank. His name was XXXX XXXX XXXX ( deceased ). There are XXXX siblings who are supposed to receive XXXX each according to his will and beneficiary list provided to Suntrust Bank. My wife personally dropped off a certificate of death, which was required at the branch on XXXX XXXX, XXXX, XXXX. An employee named XXXX, took the original and scanned the doc into their system so the disbursements could begin. Each of the beneficiaries had to submit a letter, explaining who they are with proof of ID, namely a drivers license. This has been done. My wife has also provided their disbursement department in XXXX with the appropriate letter, and XXXX ID ( drivers license. ) This took place almost two weeks ago. On Friday, XX/XX/2017 we received a letter from their disbursement department in XXXX without signature, stating that the Certificate of Death that my wife personally dropped off at their branch was not put into their system. I immediately went to the Post Office and overnighted the original docs, actual death certificate and ID to again, initialize the process. The local branch could not provide an answer to why the original information was returned, when the branch had the copy of the death certificate scanned into their system. I told the branch manager, XXXX XXXX, at the brance on XXXX in XXXX, that I was going to make a formal complaint as I believe the bank is giving us the runaround. She said she understood, and after 6 hours contacting her again this morning, nothing is resolved.