WillisBack/dataset-financial-user-claim huggingface dataset:
On why credit bureau from XXXX XXXX i notice a collection for {$260.00} and as I review for whom I notice it was from a collection agency called Hunter Warfield Inc which I was not sent a notice of dispute although the company that owns the debt had my forwarding address which was in XXXX Fl and this collection agency took it upon themselves to place on my credit without sending me any notice nor any calls clear violation of the fair debt collection practice act which is meant to protect the consumer, all consumer not some.
i consolidated my loan through XXXX XXXX, I had XXXX loans, they were charging me interest on each loan and when I talked to them to do this my understanding was that they would make the loans XXXX, so I was told to pay {$2500.00} to start with I which I could n't even tell where that was deducted. We have been paying more on the loan than they asked each month and we have been paying for about 16-17 years and still owe alot ... so each year we get a payment slip for 12 months, this year we did n't get one so I called and I was told that when it was time to make another payment we would get them, we are payed ahead to try to save on interest, so I tried to make payment on the phone and she wanted to charge me for the payment {$14.00}. I have never had anyone charge me to make a payment, because I did n't have slips to mail in ... .said I was paid up so until an actual payment was due they would not send payment slips ... and interest on XXXX accounts is not cheap ... this is not a consolidation.
The company has called me multiple times requesting to speak to a person I do not know. I have let them know they have the wrong number, let them know that I do not know the person, and requested that they stop calling me, remove my number. 

They continued to call. I filed a complaint, they stated they were not aware they had the wrong number, that I had never communicated this to them, but they would stop at that time. 

They are calling again.
XXXX/SLS : XXXX of Incompetence. My brother died in XX/XX/2017 and I became the executor of his estate. For grieving family/friends that job is exhausting and sad. Most businesses tried to be helpful, concluding transactions as quickly as possible. Not XXXX. I can not even count the hours spent on the phone with them clearing up one incompetent mess after another. My brother 's house sold in XXXX. Our family was owed an escrow overage check. XXXX sent it made payable to my brother. Without my name on it as executor, the bank would not cash it. It took many phone calls to get them to add My Name, Executor underneath my brother 's name. A correct replacement check was sent out on XX/XX/XXXX. On the XX/XX/XXXX I called XXXX to inquire about the check. After being on hold for more than an hour, XXXX informed me that the check had been sent to the property. My brother 's SOLD house. They stopped payment and proceeded to cut another check, the third. Six days later, on XX/XX/XXXX, the check arrived ( in an envelope without a yellow forwarding sticker from the property on it ) and I cashed it. It bounced. My bank charged me fees. It was the check issued on XXXX XXXX. Since it was not forwarded I thought it was the one issued on XX/XX/XXXX. Today is XX/XX/XXXX. I  received the check in the mail today. It is made payable to my brother ONLY. As of now, I have been on the phone for 49 minutes while they TRY to correct this problem again.
Wells Fargo allowed a verbal change on XXXX XXXX, 2015, to my mortgage by XXXX XXXX. This change was processed in XXXX days as a new statement dated XXXX XXXX, 2015, was provided and attached. I contacted Wells Fargo upon receipt of the changed statement on XXXX XXXX, 2015, requesting reversion to the XXXX months for escrow shortage as required by my mortgage : XXXX. Funds for Escrow Items. I was told that my request would not be honored by Wells Fargo employee XXXX XXXX via letter. Per my XXXX complaint to cfpb, Wells Fargo accepted my requested resolution to revert to the mortgage terms, but used a random of date of XXXX/XXXX/2015 as the date of 'review '. XXXX XXXX 's request for XXXX months for escrow shortage repayment required no 'review ' by Wells Fargo XXXX Thereby, Wells Fargo deliberately delayed processing my request to adhere to the mortgage terms on XXXX/XXXX/2015 which would have allowed the XXXX day notice period of increase for a XXXX XXXX, 2015, payment increase. Wells Fargo has no standing or place in domestic situations and has banking rules and regulations that do not allow for discrimination or disparity in favor of one borrower over another. XXXX XXXX is not entitled to favorable consideration as a borrower over me ; the borrower whose income the mortgage is based on and paid by.
Not only have XXXX  breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX 4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}
I have a wrongful charge from XXXX and it is in collection. My account was on auto bill pay and called XXXX at the time of the bill to inform them this was n't a legitimate charge as I had cancelled my account and switched to XXXX. I thought the issue was resolved as I did n't receive a bill after that until I recieved a bill from a collection agency. I had informed the collection agency but XXXX would never respond or even answer for that matter.
Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.
I am attaching a statement, but the short version is Citibank denied my credit increase based on an exisiting Payment Arrangement program - that they say I am enrolled in. However, they have no proof of that, and in fact XXXX of the staff that I spoke with agreed that I am not in any program and that my card is in good standing. After speaking with different staff at Citibank - I was told that " I must have had a debt charged off with Citibank, sometime in the past 36 months. '' However, they have no information about this, no dates, no amounts, nothing and they also will not provide me this in writing.
There is a mortgage listed on my personal credit file that was never XXXX I obtained. I never took a {$620000.00} mortgage out. I want this inaccurate information remove from my credit file.
On XX/XX/2018, I rented a car from XXXX XXXX XXXX XXXX at XXXX airport,  Florida. The man that worked with me didn't mention or offer toll road charge prior to my rental. It was my first time being in the state of Florida so I didn't know anything about toll road. Nothing in the paperwork that I signed that state about the toll fee charge. I received the car and drove out and got on the way to where I wanted to go. I saw a XXXX sticker on the inside of the windshield on the driver 's side. I just thought that it was good to use since nothing was mentioned during the paperwork. I drove the car for the total of 3 days. I returned it on XX/XX/2018. At that time, they didn't even mention or ask anything about the toll charge. Until 2-3 weeks later, I received mails stating that I have to pay the toll fees, which I had no clue that I need to pay for. XXXX XXXX XXXX XXXX charged my bank account by the amount they claimed that I owned them. My bank thought it was a fraud because I live in California and the payment was charge outside California, so they void my credit card as fraud, and is was the reason that XXXX XXXX XXXX XXXX is trying to reach me through XXXX XXXX XXXX to collect the money as debt. As a customer, I need to know what fee XXXX XXXX XXXX XXXX will charge me other than the car rental fee. I will not pay anything until I have the answer from XXXX XXXX XXXX XXXX.
On XX/XX/XXXX I signed up for the Chase Southwest Rapid Rewards Premier Card under a promotional offer for XXXX bonus points as long as {$2000.00} or more was spent during the first three months. On XX/XX/XXXX I was approved for a card. The promotional offer was being run for the entire month of XX/XX/XXXX ( a cursory internet search confirms this -- > XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I spent over the required limit within those three months and assumed that my points were accurately credited. Today, XX/XX/XXXX, I checked my points balance for the first time in the process of attempting to book a flight using points, and realized I only received XXXX points. I am a XXXX XXXX and traveling is something I do infrequently which is why I had n't noticed until now. I called Chase to try and figure out what happened. I was told by both a customer service rep and an account specialist ( AS ) that I was signed up for a different offer ( $ 1000+ spending in three months for XXXXpts ) and that I was not entitled to the XXXX points. I specifically signed up for this card for the XXXXpts offer being run ; the website promotional banners on the page at the time indicated that I the card I was signing up for had a XXXXpts promotion. The AS confirmed that the special was being run during the time I signed up for my card but that it was " past the 90 days to change the offer attached to the card ''. I asked the AS why I would intentionally choose to receive half the points if : ( 1 ) I spent enough to qualify for the larger offer and ( 2 ) if the XXXX point offer was even being run at the time since their was a better deal available. The AS said that unless I had screenshots of the sign-up page from the time I signed-up ( Who would even do that? ) there 's nothing to be done and I will not get a different answer from anyone else.
During my trial period of a loan modification, I have tried multiple times via email and fax, to reach out to the bank with questions/help regarding the modification. I have received no feedback or responses to my emails or faxes. They specifically asked for a certain document to be filled out and I faxed that document to the bank and  two  months later, they 're telling me that is not the right document the bank has asked for. I feel as if I have done everything they have asked me to do but yet, I get no response.
I joined " XXXX XXXX, '' and have monitored my credit report frequently. I had ( XXXX ) open accounts in collection, which had a " high negative impact '' on my credit score. Both accounts were over ( 10 ) years old. I disputed both items with " Transunion '' and they investigated them one at a time. The XXXX investigation was completed on XXXX/XXXX/XXXX concerning XXXX XXXX XXXX XXXX & Transunion results were " NO LONGER ON FILE. Yet low and behold, the derogatory account is still on my report as open & in collection. The XXXX report was investigated by Transunion and the results were the same ; no longer on file. So far, the one was removed on or about XX/XX/XXXX. I wrote to Transunion in XX/XX/XXXX and after informing them of the results of their own investigation, I asked them to remove the first negative account. As yet, they have not done so. It 's no wonder consumers are having such a hard time keeping their head above water financially.
Portfolio recovery is purchasing bad or old debt that has been charged off. I think like 4 or 5 different things.they constantly robot call from different numbers and such. Now they are trying to garnish wages. They harass us and its ridiculous at this point. They are rude and threaten with things all the time. Amounts are changing they are just dirty
XXXX DISCOVER FIN SVCS XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DISCOVER FIN SVCS XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DISCOVER FIN SVCS XXXX acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I advised this company that I will handle the debt when I can. This debt is around 600 dollars. They have contacted friends and family members which I did not give them a number for. These people contacted my employer also.
Complaint against Barclaycard XXXX XXXX advantage plus. My credit card had been locked up and not been utilized for an extended period of time. Barclays charged me an annual fee. They sent so many spam emails over the year to my email address against my wishes that I put their address in spam. I had not been utilizing the card for over a year and when the annual bill to have their card came in it when into spam. As a result I did not finally realize that their annual fee until my experian report showed a credit score drop, upon discovery I paid the annual fee and all penalties w/o hesitation. I then asked for an adjustment to my account to fix the damage they had caused to my credit as a result of their actions and negligent spamming my account with offers. Additionally I never received any type of call or written statement notifying me of a late payment. They denied my request and this complaint is a result of their poor customer service to result and repair the situation that they are also negligent in causing..
I Have been under a chapter XXXX bankruptcy plan since XXXX 2014 and have paid regular monthly payments to Shellpoint and the trustee. This company has promised several times to send me an account history but nothing happens. I have no idea how my payments are applied since I am not getting any monthly statements either. No one responds to me from their bankruptcy department and I do have a letter on file with them from the Attorney Authorizing them to talk to me.
I previously filed a complaint last year to explain the harassment my mother and I were receiving from a Navient. I never received the email with their reply. I did n't know they had replied till I finally logged into the site and saw that the case had closed. I do n't have many hours in the day to take care of things like this. Also, at the time in which the reply occurred I had to switch offices increasing my commute by XXXX minutes each way. I do n't know why, but gmail did not determine that the email was important, so I must have just missed it. I actually thought I was going to receive a call, not an email. 

My mother is still getting calls from Navient from multiple numbers with many different area codes, which she tries to block but they keep popping up like a hydra. They are still emailing both of us. They threatened to go to legal if we did not make on time payments for three months. They said at that point they would take the black mark off our credit reports, now they 've changed their terms stating that they wo n't show us as current till I agree to a payment plan which, unbeknowst is now XXXX dollars a month higher for the life of the loan to pay off the meager XXXX or so I was considered behind on. It was my mother that agreed to the XXXX payments over the phone in desperation because she 's afraid they wo n't get a mortgage now that they are trying to sell their home. Her panic caused me to panic and we 've almost made the third payment. This month they called my mother and changed the terms ... as far as I understand it. I never agreed to any of this, but I gave my mother money pay for what she thought was going to help us. I 'm XXXX myself with overtime to pay this. I ca n't keep doing this and my circumstances have changed. They refuse to take a financial statement from me. I was told in a very snide way that this was my last chance. They are demanding far more than I can afford. The rep was dismissive about my financial situation and refused to listen to me at all. In fact, I have n't spoken to one rep there that did n't over inflate how much money I supposedly had leftover to give them, and now I 'm in a new apartment with much higher expenses. I do n't know what to do.
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX did their part and either updated or deleted where Equifax has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and Equifax on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor American Physicians who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. Equifax is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable
In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX college in XX/XX/XXXX and moved to Colorado for XXXX school, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. XXXX and XXXX still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those years.
I paid off my credit card account with XXXX XXXX XXXX on XX/XX/XXXX, and I closed my account with a {$0.00} balance on XX/XX/XXXX. I expected my account status to be updated with TransUnion as closed at that point. On XX/XX/XXXX, I received a report from TransUnion after having some credit inquiries as part of a refinance on my home mortgage and discovered that my XXXX account was still reporting as Current ; Paid or Paying as Agreed and that it still showed a {$15000.00} balance. But the last payment was reported as being made on XX/XX/XXXX. I was hoping it would fix itself on its own and that my report would be updated. When I checked again at the beginning of XX/XX/XXXX, I saw that the account still had not been updated as Closed with a {$0.00} balance. I filed a dispute with Transunion online about the account and explained the changes that needed to be made. They did update some other information, but they verified the XXXX credit card account information as Accurate, according to the Investigation Results that I received on XX/XX/XXXX. The XXXX credit card account information was still INACCURATE, so I opened another dispute for this same issue. I called my bank, XXXX XXXX XXXX, and verified with them myself that the account was indeed closed and I asked them to re-send this information to TransUnion. I also sent TransUnion a copy of the last credit card statement I received from XXXX stating the date the account was closed and showing a {$0.00} balance on the account via postal mail. In response to this dispute, TransUnion sent me back Investigation Results dated XX/XX/XXXX saying they verified the account again as Accurate. They received information from me saying the account had been closed and they are still reporting the account as Accurate, even though the information they have is grossly inaccurate and out of date. I called TransUnion again on XX/XX/XXXX and spoke with XXXX about the XX/XX/XXXX results. She said they verified the information from XXXX as accurate. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and he said that after I had called them in XX/XX/XXXX, on XX/XX/XXXX, they did a credit audit on my account and verified that it was closed and paid off and said they had reported that back to TransUnion. They also updated XXXX today, XX/XX/XXXX showing that my XXXX credit card account is updated as paid and closed. I want this fixed immediately. It is inexcusable that TransUnion is still reporting inaccurate information as accurate even after they have been furnished information that shows otherwise.