WillisBack/dataset-financial-user-claim huggingface dataset:
Experian is falsely reporting a collection on my report as of XX/XX/XXXX in the amount of XXXX with XXXX XXXX XXXX , XXXX as a third party collector who purchased the debt from the original creditor, XXXX XXXX XXXX. The partial account number is XXXX. 

The account in question belonged solely to my father, XXXX XXXX XXXX who passed away in XX/XX/XXXX for which XXXX XXXX was notified and sent a death certificate. Any claims by XXXX XXXX should have been filed in the XXXX County Court, Probate Division. 

The property was sold and never once did XXXX XXXX claim any fees due when the new property owner transferred the account. Neither XXXX XXXX or XXXX XXXX XXXX have ever contacted me regarding this matter. 

I have never been responsible for this bill, nor should they have any of my personal information, except for paperwork naming me as Successor Trustee of the estate. This attempt to circumvent the judicial system by both XXXX XXXX and XXXX XXXX XXXX violates the Florida Probate Statutes, the FCRA as well as FDCPA. 

If this is not removed immediately, I will file suit against both XXXX XXXX XXXX. and XXXX XXXX, as well as filing a criminal complaint with the XXXX Attorney of XXXX County, Florida.
I first learned about this debt collection effort when I was notified by my identity monitoring service of adverse information being submitted to credit agencies. I had never received any bills or notices about this debt in the mail. The identity monitoring service gave me the name and phone number of the debt collection agency. I called the debt collector on XX/XX/XXXX and learned the original bill related to an XX/XX/XXXX visit from a year ago. For some reason, they had the hospital 's address listed as my home address ( although they did not recognize it as such ), so that any bills, statements, and notices that may have been mailed were sent to the hospital rather than to me, which is apparently why I never received any notices. I had received other bills in the mail related to this visit ( ambulance, the doctor who examined me ), so it 's not clear why neither the hospital or collection agency could find my correct mailing address. After several more phone calls, I finally received a bill in the mail on XX/XX/XXXX, but the amount was higher than my insurance company said I should pay after accounting for payments they had already made. When I called, I was told to have my insurance company fax an Explanation of Benefits to the collection agency, which I did on XX/XX/XXXX. I called the collection agency back on XX/XX/XXXX, verified that they agreed with the lower amount, and was told to mail them a payment for that amount, which I did on XX/XX/XXXX. They also told me they would send me a verification letter upon receipt of my payment, and that they would also notify the credit agencies. My bank shows that my check was processed on XX/XX/XXXX. After not receiving anything further in the mail, I again called the collection agency on XX/XX/XXXX, and was told that my balance was now XXXX and that the debt was paid in full. I again requested a confirmation letter and notification to credit agencies. After hearing nothing, I again called on XX/XX/XXXX, and was told that processing could take 30 to 45 days. As of today ( XX/XX/XXXX ), I still have not received my requested statement showing the bill has been paid, even though the check was processed over 2 months ago. It also appears that no updates have been submitted to credit agencies, so that they are still showing that I have an outstanding debt in collection.
I have recently subscribe to a " sports package '' of television channels with the XXXX co. I soon came to find out that I was getting revolting political comentary on the sports channel that I 'm paying for. When I went to cancel the subscription package with XXXX they told me that XXXX ) I would be charged a higher monthly fee if I try to cancel XXXX and XXXX ) if I cancel my service with XXXX that I would have to pay an early cancellation fee of {$220.00} dollars or else they would do harm to my credit rating. I feel as though XXXX is the one that broke the contract with me for providing revolting political commentary on what I thought was going to be a " sports '' channel. 
Please help me end my service with XXXX in a way that prevents them from doing harm to my credit report. 
thanks you XXXX XXXX
I keep getting calls, they have called my ex husband and my work. They threaten a lawsuit jail time and to have my drivers license revoked.
I have a credit card with Macy 's. I used it several times XXXX to purchase some dresses. I paid it off. Then I used it again at XXXX time, and I did n't think anything of it, but my statement arrived after the due date. I called and they reversed the late fee. It happened again in XX/XX/XXXX, and XX/XX/XXXX, and again in XX/XX/XXXX, in fact I just received my XX/XX/XXXX statement 1 week ago. I paid the balance off but I refused to pay the {$21.00} late fee. They stated they can only give XXXX-XXXX per 12 months, and they already gave me XXXX reversals. I said I do n't know if Macy 's is sending out statements late, in order to " collect late fees '' and that 's how they make their money! or if it my wonderful USPS in NJ.!! but in any case I still have not received my XX/XX/XXXX statement as of yet, and we only have a few days before it is due. I do not have online statements because of being hacked, and identity theft in prior years. I keep as much security as possible.
I filed a complaint ( Number : XXXX ) with thd cfpb on XX/XX/18 regarding two collections accounts being placed on my credit report on in the amount of {$500.00} each by Commonwealth Financial Systems.

Commonwealth Financial responded to this complaint on XX/XX/18 stating that they would remove the collections account from all the reports of all three major credit bureaus. However, the company has failed to honor their statements made to the cfpb. As of today, the two collections accounts for {$500.00} each STILL remain on my credit report. 

Furthermore, the company sent the initial debt collection letters to me on a letter dated XX/XX/18. One day later, XX/XX/18 this company added these collection accounts to my credit reports. I had not even received their initial debt collection letter before they put these collection accounts on my report. They did not allow me the opportunity to even dispute the debts in writing prior to adding these negative remarks to my account. These debts do not belong to me. I have since disputed these accounts that do not belong to me in writing. 
The company has in return sent me an itemized statement created by them showing these debts that I do not owe. The itemized statement did not come from the alleged original debtor ( XXXX XXXX XXXX ). I request a full investigation into this company as well as their predatory debt collection tactics. I have contacted XXXX XXXX XXXX directly in person and they do NOT have record record of these debts that Commonewealth states that I owe. I am very concerned about this company and would a full investigation.
I was in the remodification process with my previous mortgage company, XXXX. My loan was sold to SPS. I was not aware of this until I recieved a letter nearly 6 weeks after the purchase. As soon as I was aware, I reached out to SPS to let them know I was in the remodification process with XXXX, and to see how I could proceed. They told me that they would continue to process, and that the could use the information and forms from XXXX. That was the case until late XX/XX/XXXX, when they told me that I would have to start the process all over, using their documents and paperwork. 

I got started on this in XX/XX/XXXX, knowing that there was a sale date for my property soon. It had been a long time since I started the remodifciaiton process. The original housing agency I was working with ended up closing, which forced me to do this on my own with XXXX. 

SPS said to get my packet in before the XX/XX/XXXX, and they could postpone/stop the sale until my remodification packet was reviewed. Even if it was n't correct or if they needed additional information, they could get that later, but that it was most important to get it in. I did, and spoke to someone at SPS on XX/XX/XXXX who told me that paperwork was sent to the attorneys to postpone the sale. Since XX/XX/XXXX I spoke to SPS on several occasions as they needed different paperwork and documents. 

On XX/XX/XXXX I received a letter via mail that my property had been sold on XX/XX/XXXX. This was baffling to me because I was told the sale had been postponed, and because I had spoke to SPS multiple times since then. On XX/XX/XXXX I spent the entire day talking to SPS, HUD, my Housing Agency ( Transitions ). On XX/XX/XXXX, my final call with SPS, I was told they were putting in an escalation to have the sale resended, as it should not have been sold, and because my remodification was still under review. Additionally I was informed that XXXX sold it, and bought it, so it was still with SPS. I was advised to call every few days to check for updates, which I did. I was originally told that it would take 10-14 days for and update or action. On XX/XX/XXXX I was told that it would actually take 4-6 weeks. When I called on XX/XX/XXXX it was as if the escalation never took place. SPS told me the escalation to resend could not move forward without HUD 's approval. HUD made clear this was an issue with SPS and they could and should resend it and allow the remodification to be reviewed. Both HUD and my Housing Agency suggested I contact you, the attorney general, and an attorney as they felt like SPS had n't gone through the correct process, and had not communicated with me, and sent me around in circle. 
Additionally, SPS has NEVER, EVER reached out to me. I have never, ever spoken with my assigned relationship manager. They only communication I have had with SPS is when I call them, even though I have made perfectly clear that my number is and independent, private number where they can leave a message. SPS has never reached out to me. And, I get conflicting information every time I called.
My Detail first : Name : XXXX XXXX ( First / Last name ) Address : XXXX XXXX XXXX, XXXX, NJ XXXX Phone # XXXX email address : XXXX Complain Description : I Initiated international wire transfer from Chase Bank of amount USD XXXX on XX/XX/XXXX to the recipient located in XXXX ( XXXX ). I was charged {$50.00} as transaction fee by Chase bank for the international wire transfer. However, on XX/XX/XXXX, my XX/XX/XXXX, funds of USD XXXX ( {$75.00} less ) were returned back to my checkin account with chase bank. I called chase bank and I was told by rep that funds were returned as there was no IBAN ( routing ) number provided. Chase bank returned back {$50.00} transaction fees, however, the {$75.00} were charged by XXXX bank were not returned. Chase bank rep says that the amount was charged by XXXX, so they should return it. But when I call XXXX they say it is the initiating banks responsibility to provide all the details and they should refund the amount. 

When I initiated transfer with Chase bank, I provided all the required information ( name of recipient, swift code, bank account number ). I was NOT asked for IBAN number, so how would I provide the number. 

Both banks are not agreeing whose fault it is. At the end, I am suffering {$75.00} for their disagreements. 

I am attaching wire transfer receipts and also screenshot from my bank account with removed unrelated information.
I was sent a letter from ECMC Group where I was given the option to " request a hearing in front of a judge '', on supposed student loan debt of over {$70000.00}, or they would proceed to have what little monthly income I make garnished. Note that my original loan amount in XXXX was only for {$18000.00} and I had paid a lot of that back. I have been barely working part time over the last several years and even had a recent bankruptcy to save our meager home from being foreclosed. How is it possible that " maybe $ XXXX {$10000.00} '' has become over {$70000.00}! There 's no way I 'll ever be able to pay this. I 'm at the point where I 've even considered XXXX. I have applied for many, many, jobs over the last several years and the prospective employers ca n't confirm my XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA, where I graduated in XXXX. XXXX went out of business shortly after I attended. It 's like they never even existed! I think the perspective employers think I lying about going to school? The diploma is 100 % invalid. I 'm hoping to have the student load debt discharged. {$70000.00}? 
I was given a form from ECMC Group to fill out for a hearing in front of a judge. I had the option of emailing it back to them ( ECMC ), which I did promptly. I never heard anything back. Well, the only company that I get some work from notified me that my wages were being partially garnished by ECMC Group 2 1/2 months ago. WHAT HAPPENED TO MY REQUEST TO A HEARING? They defaulted on my hearing. 
Now, of coarse I 'm not working at all. The one company I had to put at least a little food on the table has n't called me in over a month. 
I have proof I emailed the request back to them. It did n't " bounce back ''. They got it and ignored it on purpose. 
They broke the rules and I think that alone should clear me of owing any more on this ridiculous fraudulent insanely overstated loan. Needless to say I 'm also unable to confirm I ever went to school. 
Note that in the form it has the option listed that I can email the form to them. 

See attached proof I sent the email. 

Thank you for your time in this matter, XXXX XXXX.
I was not properly notified of the delinquency in this account. I was under the impression that I had paid the accounts off. It is possible that the later charges on the account were fraudulent. I learned of the delinquency of this account when I was notified by the IRS that my tax refunds would be offset for a federal debt. This account has been paid in full since 2014.
I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, & XX/XX/XXXX. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies
Hello, I have a defaulted payday loan with XXXX. It was eventually taken over by XXXX XXXX aka GMA Investments. I believe in paying what I owe, so I made an agreement on XX/XX/18 with " XXXX '' at XXXX to have {$25.00} taken out of one of my credit cards every month. When I saw the {$5.00} cash advance fee also taken out, I called XXXX back up and cancelled this arrangement and stated I would call back to make another arrangement. Today, XX/XX/18, I was notified via email from my credit card company that this company tried to take out another {$25.00}. Totally unauthorized. I called XXXX and asked why. He stated " well, you never called back to make other arrangements. '' Isn't this illegal? Please advise. 

Thank you,
On XXXX XXXX 2015 I received a settlement offer letter from Santander USA in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from Santander USA acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by Santandar USA showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that Santandar USA sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from SantanderUSA to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called Santander USA to clear this up. The rep with SantanderUSA did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to Santander USA about my account and they still had not heard back from SantanderUSA. I then called SantanderUSA again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this XXXX XXXX collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how SantandarUSA has not abided under the Fair Debt Collection Practices Act.
Hi Good Morning, I have been disputing this XXXX XXXX account that is on my credit report for some time now. The account is inaccurate on my credit report. the account appears to have a balance and the account has been paid in full years ago. This has also been on my credit report since 2008. Equifax continues to ignore my request to have this removed, I have called the call center many times to just be but on hold ignored and transferred. I have sent in countless emails, letters and disputed this many times to no avail. This has impacted my credit tremendously. The account is to old to be on my credit and the account is reporting inaccurate information.This account has been paid. Please remove this off my credit report. Thank you for your valued time.
They offset my entire paycheck for a debt my wife had made on a joint account that is closed. BOA took the money from my personal checking account, leaving a great hardship. I cant buy food, or pay bills and we are in great financial hardship. They did not inform me of this action.
I had receive a store card from XXXX ward through the mail with a card attached to an advertising magazine. The card limit was {$1000.00} limit. I misplaced the magazine with the card attached to it. The card was activated without my knowledge and a {$430.00} charge was made on the card. Wyen I realize the collection on my credit report, I disputed the collection on my credit report that was placed XX/XX/XXXX. I disputed the fraudulent and unauthorized transaction. XXXX XXXX then resolved the account after I disputed by charging off the account in XX/XX/XXXX,  instead of removing the account completely.
I was laid off from my job about 2 weeks ago. So I called Chase Auto Finance to see what options I had. But also to see if my loan payment be extended 30 days. Basically, place my next month payment to the end of my loan ; thereby giving me an extra 30 days grace period. My request was denied because I have no job. I XXXX to him that by not granting my an extension, they are forcing me to default and eventually repocess my truck.
We are Executor and heirs to the property in question and we were not aware of a mortgage on the loan. We are in jeopardy of losing our family home because we were not served a Notice of Foreclosure. The deceased parties have been deceased since XX/XX/XXXX and XX/XX/XXXX with No mention of a mortgage. 

We need time to verify that the debt is in fact our family debt and if so we must be given a payoff so that we can settle the matter.
I've been attempting to resolve my credit file with Experian the last 6 weeks. Initially, my FICO was XXXX. Working with this agency CFPB, I've resolved 3 of 4 potentially negative Experian reflected on my credit report. In each case, Experian had misinformation regarding my file reflected ... XXXX XXXX , XXXX XXXX and XXXX XXXX . All issues were resolved with not a penny ligitimately owed from me. I have one other negative issue I've submitted to CFPB with loads of supporting documentation I believe will exonerate me from that misreporting as well. I spoke live to an Experian rep yesterday, as well as numerous times over the last 6 weeks abut my file and score. 
Experian is under reporting my existing credit by {$10000.00}, which, if accurately reflected would lower my credit ratio from 11 % to 7 %. My debt to income ratio is 1 % according to Experian. 
Given all the resolution work I've completed with all the incorrect reporting, my score now sits at XXXX with Experian. I am a small business owner and potential clients typically pull my credit score in evaluating using my company. This ridiculous low score, coupled with the absolute, unchecked, power the credit bureaus hold over so many aspects of our lives today by publishing incorrect and damning info on our credit reports borders on criminal. I've got a 34 year history of credit for mortgages, autos boats, credit cards ... ..never a late payment or collection. Experian counts this as irrelevant in their analysis on my score which is absurd as it documents clearly the fact I pay my bills on time, over an extended period of time.
XXXX XXXX was handling this dispute since 2008. Nothing was resolved and I never received my credit report until now.
Account is very old XXXX is past the statute of limitations please remove. I have an open active account that is in good standings with this same company. 

Remove this outdated item XXXX XXXX XXXX
I received a call from my home owners insurance that my premium was not paid as of XXXX XXXX, XXXX. I called my GMFS to convey the need to pay the premium that was due on XXXX XXXX, XXXX. GMFS said that is was mailed out to be paid. Three days later, the insurance called me again and said no funds/check was received. I call GMFS back and they said they paid it to my XXXX XXXX ( XXXX insurance company ). 
I contacted XXXX and they said because I no longer have an account with them, the check will be sent back to GMFS. 
I call GMFS back and disclosed that information. Asked if they can cancel the check and reissue another XXXX to the proper insurance company. They said no they could not. So GMFS rep said he was going to make some calls to locate the check. 
On XXXX XXXX, XXXX I paid my mortgage and realize the insurance was not paid. The due amount was over XXXX and my mortgage is only XXXX. I paid the amount due still not knowing what happened to the escrow funds for this purpose. I called again to for more clarification on XXXX XXXX, XXXX and still no lead way on the escrow. Fortunately it was paid because XXXX suffered a major tornado storm on Tuesday XXXX XXXX, XXXX. 
I called today ( XXXX XXXX, XXXX ) to speak with the supervisor because no one knows where the escrow funds are and my account is out over XXXX dollars. The manager XXXX XXXX approach was unprofessional,. rude and a brush off. He said he was going to look into it and call me back in 24 hours. I have been waiting already almost two weeks. 
Today