WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX is attempting to collect a debt that was already charged off and closed by XXXX XXXX in XXXX. I do not owe XXXX XXXX. They bought the debt for {$100.00} and is now coming after me for the amount of {$1600.00}. 

They are also threatening to sue me for this old debt. The daily phone calls are getting out of hand. It is affecting my credit and preventing me from being approved for certain credit offers.
I have received a threating letter from XXXX XXXX, Incorporated address XXXX XXXX XXXX XXXX XXXX, XXXX, SDXXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : Velocity Investments , LLC, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.
To whom it may concern, I got membership forms and a debit card to reestisablish service with Wells Fargo Bank. Then last year my new credit union paid them for a personal line of credit loan on time, the bank assumed it was delinquent and its still on my credit report.. I went to the credit union to retrieve the statements, my financial expert and your agency without follow through.Last year I went to the credit union to get statements of payment history and all of my payments went out promptly, I called my financial person about this and he didn't seem interested or was busy and contacted your office without feedback.Thank you. Sincerely yours, XXXX XXXX XXXX XXXX.
As of XX/XX/2018 ( 10 mos ) i was suppose to had open up an account with XXXX XXXX XXXX XXXX! I NEVER EVER EVER HAD XXXX XXXX AND I DIDNT EVEN HAVE MY OWN APARTMENT AROUND THIS TIME FOR ME TO HAVE HAD CABLE. this needs to be taken off my credit ASAP IM VERY UPSET BECAUSE THIS IS FRAUDULENT. And is making my credit score poor. The balance is XXXX
Dear Sir/Madam please see the attached letter regarding inquiry made by XXXX CREDIT CARD We accepted the application as Fraudulent Dear XXXX XXXX XXXX : Were writing about your inquiry, which we received from the Consumer Financial Protection Bureau on XX/XX/XXXX, about the credit card application you did not authorize. 
We advised you in the letter we sent to you dated XX/XX/XXXX that we had received an application on XX/XX/XXXX using information that verified to you. You notified us on XX/XX/XXXX that this application was not submitted by you. As we advised you in the letter sent to you, we accepted the application as Fraudulent. We have enclosed the letter dated XX/XX/XXXX for your review. 
We also asked the credit reporting agencies to mask the credit inquiry from your credit report. Only you and the reporting agency will be able to see the inquiry. It wont be visible to any other organization that reviews your credit report. During our phone call with you on XX/XX/XXXX you stated that you wanted the inquiry to be removed, not masked. We advised you that you would have to contact the credit reporting agencies directly and request for the inquiry to be removed. 
As stated below, we can not guarantee, warrant, or take responsibility for the performance of any credit reporting agency in changing, deleting, or making entries in relation to any derogatory credit information. 
Please allow sufficient time for the update, and then request a new copy of your credit report. Here is the contact information for the four national credit reporting agencies : XXXX  XXXX   TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion.com XXXX If you have additional questions about this issue, please call XXXX at XXXX, extension XXXX
Lenderlive has reported the one payment covered by my bankruptcy as a late payment n umerous times on my credit report, lenderslive,   XXXX   XXXX    XXXX   XXXX ,  XXXX , Colorado  XXXX , telephone #  XXXX , the dates reported are from  XXXX  to  XXXX . They show on my credit report as LNDERLIVE  XXXX . My bankruptcy was in   XXXX   for that one payment.
On various dates, I was not given credit for performing the service 's swipes in the app. The app would malfunction, or credit was given for a different day, or no credit was given at all. The app, does not provide a record of these credits for more than the past 7 days, so dates are unavailable. 

Additionally, I was required to do these actions after requesting that my account be closed. Failure to perform these actions in the app results in the forfeiture of a {$1.00} credit each day.
On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX)
I have an XXXX XXXX credit card which was closed by the company ( XXXX XXXX ) without notice and under an unfair and predatory company policy. 

On XX/XX/XXXX I made a payment that was returned because of insufficient funds. Immediately after receiving my next paycheck I then promptly made the entire payment due of {$120.00}, on XX/XX/XXXX. My account was still open at that point, but about two weeks later I received a letter in the mail informing me that my account was closed. The letter was not clear about why, it only said because of too many missed payments. I had only been late twice in my 4+ years having the card. Both times I paid the full amount due, plus fees. 

I called XXXX XXXX and spoke to a representative and also to her supervisor, and they both told me that my account was automatically closed due to 2 returned payments in a 24 month period. XXXX   XXXX/Synchrony didn't tell me this would happen, didn't give me a warning/notice, and did not care that I had made all my payments - they said they couldn't do anything about the closed account because it is company policy. I've never heard of such a policy. It isn't fair to close my account when I've paid every cent they've asked me to pay. Two payment problems in a two year period does not justify closing an account, and the credit report/score problems that creates. 

My credit score has tanked over 80 points based on this situation alone. I now have a credit balance imbalance of {$4000.00} on my credit report that I can not change - solely because of this closed account. XXXX XXXX is penalizing me for having insufficient funds while they've never suffered a loss because of me. I've always paid 100 % of my amounts due. 

To add insult to injury, Synchrony has increased my monthly bill by {$30.00}. I've been paying about {$120.00} per month, but now that my account is closed Synchrony has raised my minimum amount due to {$150.00} - even though there has been no change to my balance because I can't spend on the card anymore. I don't know if my APR % has changed, or if they've expecting me to pay off the balance faster just because they closed my account. The {$30.00} change to the minimum payment due is unexpected and unexplained. 

Also, XXXX XXXX didn't help inform me even though they have a website for the card. There is a " Messages '' section of the XXXX XXXX credit card website, but I have received no messages pertaining to my closed account. I have no recollection of ever being told about this 24-month policy and the bank never warned me that my account could be closed for insufficient payments. It is now closed and I can't do anything about it. Synchrony got every monthly payment from me, yet they can still close my account and damage my credit based on an unfair policy.
One of main reason for me today to make the complain about my credit card is Chase Amazon Card look like fraudulent consumer. I have got the refund from the XXXX XXXX for XXXX ticket total of {$2100.00}. However, Chase Amazon did not post to my account till I have to make call in and was more than 30 days from the refund day. After that I used that credit back to purchase something and now credit balance is {$72.00}. However, I just checked it today and I saw it already used and name as " Credit Balance REfund " charge. 
Wow, could not believe that they never want to issue money back plus interest they hold my money refund and instead they took without any reason. 
This is not first time with the issue with my account, but it was happened so many time and I have recognized that Chase has been established Fraud Transaction for consumer account where they just want to keep money and not return it to consumer and double charge something unknown to consumer. 
I am strongly wanting to be investigate and bring the true to the light. As a consumer with Chase, I have made on or before due date and I deserved what I am being treated.
Western Sky Financial originated a loan for me for {$2600.00} at a rediculous 119 percent interest rate. After I regrettably and stupidly accepted it I received notice from XXXX that they had purchased the loan from XXXX XXXX and they would now be servicing the loan. They had to have my bank information to acquire payment. I agreed and shortly after that received yet another notice from Delbert Services explaining that they were now servicing my loan. After researching the situation I found that all three of these companies were in court in multiple states and were illegally providing loans. I informed Delbert Services that I had paid back the full amount I hsd borrowed as well as about {$1200.00} in interest. In light of these findings I was considering the account paid in full and they were to cease and desist immediately. Instead, they harassed with letters and phone calls for months. Finally, the harassing ended, or so I thought. After a few month hiatus I receive a call from Delbert Services stating that I owe {$2500.00} but I can settle with a one time {$1600.00} payment. 
I have since closed the account that they had the information to and have discovered that they have negatively reported to the credit bureaus.
They 're saying I had gotten a phone with XXXX I got a bill for XXXX dollars back in 2013 but not thinking I never gave it attention and now they got me on a XXXX dollar bill that I never gotten or was told about just ended finding out about it on my credit report and I need to resolve this. .please thank you
I opened a Bank of America checking account based on a deal for {$300.00} if I made {$4000.00} in direct deposits within 90 days of opening the account. I fulfilled this condition and was not given the bonus. I reported this to the bank several times, including by phone, chat, and fax, and never received a response.
I was sent money through paypal which I have used in the past and and I was sent money XXXX XXXX to my account the money is appearing on my account but has not been added to the money so that I can withdraw the money. I contacted them and informed them of the situation first I was told that it was a system update that was being done and it would be done in 24 hours. I went today XXXX XXXX and the problem is still listed on my account again I contact Paypal explain the situation and the urgency about getting the money then I am told that there is a bug in the system and they are working on resloving the problem I asked if there was any way the money could be credited since the money was already in the account and I was told no. This is frustrating and may just cost me my job because I had to pay for somethings related to my job I have a child to feed and bills to pay who will take care of that.
I applied for a XXXX XXXX/XXXX/2015 and was approved for a XXXX credit. I was told this account would report to transunion and I should allow XXXX days to see this account on my report. After XXXX days I called Transunion and was advised they do not show this account being send to them on my report. I called XXXX and was told they reported on XXXX XXXX, 2015, XXXX 2015, XXXX 2015, XXXX 2015 and was also given a XXXX increase due to my on time payments. 

Please update my credit report with the information XXXX XXXX XXXX reported.
I had XXXX student loans through XXXX XXXX that are now being serviced by American Education Services. XXXX loan, taken out in XX/XX/XXXX is for just over {$30000.00} at a 2.18 % interest rate, monthly payment of {$160.00}. The other is for about {$18000.00} taken out in XX/XX/XXXX with a XXXX. 25 % interest rate, monthly payment of {$120.00}. I am very diligent about paying these and was always making extra payments when they were with XXXX. When they went to AES, I had to set up automatic payments again. I pay an extra amount of {$70.00} every month and instructed AES to always apply this to the loan with the higher interest rate. They have ignored my instruction for the past XXXX months and continue to apply the extra payment to the loan with the smaller rate " because I am paid so far ahead on the other loan. '' I have tried to explain to them that this is my intention- of paying the higher interest rate loan off early. After XXXX written instructions of how to apply my payments, I spent many hours on the phone with multiple people who insured me this would be taken care of. The most recent payment was applied completely wrong, they did n't even apply the minimum payment to the loan with the higher interest rate and instead applied almost all of the {$360.00} to the loan with the smaller rate. They are intentionally making it impossible for me to pay down XXXX of my loan balances early. I have been hung up on after being on hold after XXXX minutes, I have been transferred to XXXX different people every time I call with XXXX minute wait times between transfers and also have been put on hold for XXXX minutes while whomever I am speaking to " reviews '' my loan. I want to pay down my loan with the higher rate but they are refusing to apply the payments correctly. I have complained to supervisors and this still can not be taken care of. Both of these loan were refinanced when they transferred to AES. I had already been paying on them for XXXX out of the XXXX year term and now they have been stretched out again to another XXXX years from XXXX XX/XX/XXXX, also forcing me to pay longer on loans. AES is doing everything possible to insure I pay on more for these loans than the original lending terms and not allowing me to pay them down early by manipulating how payments are applied.
Chase Bank will NOT allow us to ReFi our XXXX condo mortgage, their underwriters use a " condo-hotel '' exclusion. There is NO " condo-hotel '' mentioned in either the developers plans on file with the county, nor in any of the individual XXXX condo buildings! We now have a 5.875 % 30 yr. mtg with Chase Bank & have NEVER been behind on any pmt. Recently Chase contacted us and said there was a good chance that they could lower the mtg. rate to 5 % ( still not a XXXX % rate but, better than we have now, ) & there would be NO closing costs pr other costs charged to us. We worked on all the necessary paperwork with a helpful Chase rep. in a Chase XXXX office.. He was encouraging even after we mentioned the prior " condo-hotel '' disqualification by Chase. Sure enough Chase killed the deal again - same " condo-hotel '' disqualification reason! FYI ~ We were able to ReFi with another bank, years ago on another exactly similar condo & our mtg. was reduced down from 7 % down 4.375 % with outta problem. Chase continues to be-devil us and disallow rate reduction. We willsoon be closed out as he ReFi & the ReFi HARP program deadline is fast approaching on XXXX XXXX 2015 ( I believe ). We need help!
I was a XXXX customer for XXXX years. I contacted them to at the latter part of a contract renewal to upgrade to XXXX. The technician came and installed used standard boxes ( XXXX ) and left the existing dish ( standard ) on the roof stating it was fine. I notified XXXX of these aforementioned events and they sent XXXX different technicians to remedy problem over the course of XXXX weeks. After reaching a new high point of anger I cancelled service and sent all equipment back. XXXX was paid to date for usage and went with XXXX. XXXX started billing me for the remainder of the contract for which they breached. After several attempts to remedy the billing issue they sold the debt to a collection agency who also was unsuccessful in their attempt to collect what I feel was not my debt. This company called XXXX times a day on my residence, business and cell phones. They chose after 3 years to post the debt. I am the victim of an unscrupulous employee of XXXX and I have to fight a battle for my innocence. I feel this is unjust and was told to contact the CFPB on this matter. I feel I have a pretty good credit rating and for this company to be allowed to post this just does not seem right. Thank you for your time on this matter.
On XXXX/XXXX/XXXX Equifax Inc. said its systems were struck by a cyberattack that may have affected about XXXX XXXX U.SXXXX customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about XXXX consumers were also accessed.
I had my loan in deferment and I needed to resubmit the papers for a hardship due to low income. It was around the time XXXX XXXX change to Navient. Navient said they never received my paper work and put my loan in a status of default. They double my loan and have been take my income tax the past year and this year and the amount is not take of my loan. I need help.
REF : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ Date 7/31/15Rushmore Loan Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX - Loan Office of President- REF Loan # XXXX ss # XXXXThis is a dispute about Rushmore taking over loan from XXXX. in XX/XX/XXXX and that they are double escrowing me on taxes when taxes are paid and Rushmore ck sent to taxes I reimbursed XXXX XXXX ) plus double paid taxes in XX/XX/XXXX. The amount taken over from in 1st mortage {$46000.00} with all errears and no escrow balance ( settled XXXX. Rushmore is asking for {$210.00} in escrow a month when qtr taxes are {$330.00} XXXX est. {$110.00} a month ) plus they are aware they I disputed this in XX/XX/XXXX at initial conception. They mis-appropiate my regular payments towards an account called " other '' and they have also have unapplied money on account totaling over {$1200.00}. They claim over XXXX owed immediatedly or threat to foreclose. This is a low income unit and is protected by C.O.A.H. Please look at misc debit postings of {$11.00} unexplained. Late charges of {$25.00} by which my registered mail can dispute. I made a complaint with Banking and Insurance. I went to Fair Housing and received counseling from XXXX XXXX. I am getting negative resolution from Rushmore and want re-posting of all my regular payments to appropiate months split with part going towards principal and part interest like it should have been from the start. Since they are not sending checks to XXXX XXXX except for the {$330.00} I reimbursed them and paid XXXX also ( double paid ) carrying me through 4th qtr. Please help me. I am a single mom raising a child with XXXX. My documents are attached to this complaint.
I have XXXX different debts on my credit report that come from credit cards that are not my accounts. These accounts are owned by my employer. I have extension cards on these accounts issued by my employer for my work with them but these accounts are not my responsibility.
I continue receiving unrequested and unwanted promotional offers for credit cards from  Capital One. I  had this same problem at my previous address and filed a complaint with the CFPB, which you promptly addressed. I hope can fix my current problem too. After receiving several unsolicited and unwanted offers from Capital  One at my  new address, I submitted a 5 year opt out request at  XXXX  on  X/XX/2017   , because I was not certain I had submitted a request for my new address. However, I suspect I did b ecause Capital One is th e only card issuer I have received solicitations from. In spite of my opt out submission I continued receiving offers from C apital One so  on  X/XX/2017    I called  Capital One  and notified them directly that I did not want to receive any more solicitations from their company. I was told my request would be processed wi thin two weeks, a fter which I would not receive any more solicitations from  Capital One . On  X/XX/2017   , approximately  4 weeks after su bmitting my request, I received another solicitation from  Capital One. I ha ve not had any business with this company such that they have a legal right to keep harassing me like this.
In XX/XX/XXXX I modified my loan with all taxes and insurance included. 
XX/XX/XXXX I received information from a third party stating I owed over {$10000.00} In back taxes from XX/XX/XXXX. I submitted all forms I recieved from this party to Ocwen and they told me, I had no taxes due, all taxes were paid through XX/XX/XXXX and they would submit and reach out to the private party. 
Well Ocwen Did absolutely nothing. I called, faxed court dates but Ocwen refused to contact the party but instead sent tax records of their disbursement to me, until I recieved a date for a strict forclosure auction date. Ocwen who still says 'all taxes are paid ' paid almost XXXX for court fees, Attorney fees and more. 
XX/XX/XXXX I received a letter stating my mortgage is going up XXXX. 
I exclaimed my issue with the company and they said my only option Is to modify the loan again. They still stand by thier word that all taxes were all paid up when the Modification went into effect in XX/XX/XXXX but do n't know why they paid twice instead of fighting or showing up in court. 
They also just recently denied my modification. I feel Ocwen likes to cheat innocent People from there homes. They are also giving me the run around with several ( specialist ) they call them rechedueling dates and giving false information on this lose. Nothing is being done and I 'm scared I 'm going to loose my home.
please find attached the FTC application, along with my dispute letter, stating that the following account are not mine and have been mixed up with another persons identity, therefore i have been disputing these items for more than one year and experian does not remove them from my records, please help me with this situation. 
thank you
On XXXX XXXX, XXXX a XXXX account number XXXX XXXX XXXX bank had been re-inserted onto my credit as a negative item. XXXX is required to notify me within XXXX days of re-inserting a previously updated item. I did not receive any such notification. I am asking that this item please be updated immediately on my credit file.