WillisBack/dataset-financial-user-claim huggingface dataset:
Debt was written off by the company. Now the debt collector is attempting to collect the starting balance. Why should I pay a debt collector when the company has written it off as bad debt? 
They are calling my husband as well and he did not own the account. I put his name on my savings when I had money in the account.
There are 2 collections accounts on my XXXX  credit report from a debt collector AMERICAN ACCOUNTS AND ADVISORS that were closed by the debt collector because the " alleged debts '' could not be verified. I have contacted the debt collector by mail and asked them to remove the 2 bogus debt collection accounts from my credit report, they have not responded to me for over 30 days.
I have a judgment in XXXX county for XXXX XXXX XXXX that says it was reported in XXXX and paid in XXXX. It 's being reported on my XXXX and Equifax report. This item was already paid and part of medical bills from a accident that was n't my fault. They got paid but for some reason its on my credit report as a judgement. It should n't beven been on my credit report. It must be miscommunication. The paid amount is {$710.00} and the judgement is satisfied but should of nevet been a judgement.
debt that was written off over ten years ago by hospital i worked for.I do not owe this. they are calling repeated to collect debt. i have informed them several times it is outdated by law and to stop calling. no avail they keep calling. i finally got name of company. astra business services in XXXX N.C & gt ; the caller is in XXXX and refuses to stop calling. this was bought off another agency that closed the account, but evidently they just sold it.
i ordered a secured credit card from first progress ( XXXX ) by depositing $ XXXX/-The card was issued but no bills were sent for the fees. I came to know of the fees only from my credit report as the credit card company reported for late payment. i sent a check to them as their website do not work most of the time. i was paying under protest but they never encashed the check. 
so that i can call them and they can charge extra. in the end i ended up paying for fees/late charges and XXXX negative on my credit reports without ever having used the card. 
till date have paid more than {$100.00} in fees. the purpose to build the credit failed as they are totally un cooperative. 
i recently learnt it is illegal to charge late fees and report me to credit reporting agency as per fcra rules for fees. 
there is something wrong in not using a credit card and have to suffer late fees and have my credit ruined at the same time.
This car was paid from the dealership and using a instrument through set off. I did n't hear anything from they have n't sent me anything via mail and additionally they are still reporting on my credit report as the account was charged off. When contacting the company I am unable to get information via telephone or mail. They just keep giving me the run around and no one seems to be concerned about the defamation of character I am experiencing and no one wants to give me. Home loan because of this situation.
I spoke with someone from early warning about accounts on there consumer site that does not belong to me anymore that was discharged from my chapter XXXX.. preventing me from trying to open an account ...
This is the 2nd notice of dispute of this collection notice. The initial dispute was placed with your office in XX/XX/XXXX with a lady ( I believe her name was XXXX ). I again spoke to XXXX XXXX with the collection company, National Credit Systems approx. XX/XX/XXXX. My conversation with him at the time was not only to dispute the information ( collection notice ) but also requested proof of the debt owed. Instead, another notice of collection was issued a week later on XX/XX/XXXX. <P/>As of this letter, I still have not been provided with the proof of the debt owed to XXXX XXXX XXXX  XXXX. I explained to XXXX XXXX, I had 165 pages of documentation providing we didnt owe this debt. How can this debt be placed in collection on a credit bureau without proper proof of the debt as it has been disputed twice with two individuals of National Credit Systems in XX/XX/XXXX and XX/XX/XXXX. <P/>In XX/XX/XXXX, I informed the XXXX XXXX, I didnt lease a property from this apartment complex. There was several discussions with the leasing agent, XXXX and property manager, XXXX XXXX. The lease prepared was not prepared correctly with the terms agreed upon therefore was not finalized. My husband and I met with the XXXX XXXX with the XXXX complex. She apologized and admitted to my husband and I the file was handled both incorrectly and unprofessionally. Agreed to refund {$290.00} and no further obligation was due. An email stating {$290.00} would be refunded. The refund has yet to be processed and received since XX/XX/XXXX. Recently, when my attorney contacted the property manager, XXXX again another credit was issued and an email received. Yet still no refunds have been issued. This case is pending legal action in a court of law in XXXX XXXX XXXX XX/XX/XXXX. <P/>I have requested proof of the debt as previously requested twice. Their notice clearly states if the debt is disputed National Credit Systems will provide proof of the debt. Why have I not received the proof of the prior to placing this file in collection on my credit report? Due to this file being disputed and no proof of the debt has been provided, the entry needs to be removed from credit bureaus. Proof of the removal from the credit bureau until such time proof of the debt is provided and resolved in a court of law should be provided within 7 business days. <P/>The proof of debt and cancellation of reporting can be mailed to XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX. <P/>I have supplied National Credit Systems with a copy of both refund letters from the property manager, XXXX XXXX with The XXXX XXXX XXXX XXXX. I can also provide the CFPB with copies of the same. <P/>XXXX XXXX stated in XX/XX/XXXX, it was our responsibility to provide him with the proof I did n't owe the debt. I tried to explain several times the burden of proof was on the collection agency if it was disputed. As why it was sent to the credit bureaus after communicating with their office in XX/XX/XXXX when the first notice was sent. Ask him to remove the entry until proof was provided and he refused. Called me a liar and was extremely rude. The collection tactics was an attempt to frustrate me.
What happened? 
I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from XXXX XXXX XXXX. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. XXXX XXXX XXXX got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say XXXX XXXX XXXX has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is unlawful to say the least.
I signed up for the XXXX XXXX card from US Bank on XX/XX/XXXX. This card came with an offer of XXXX points for spending {$4500.00} within 3 months ; an obvious incentive to spend on the card. On XX/XX/XXXX, I called the company to warn that I was about to make a large ( {$3000.00} ) payment for a car lease, and then placed said charge. A few days later, my account was locked and then closed. This is a bait and switch tactic, as the account was approved and I was incentivized to spend, and then penalized for doing so. I should note that the account is now paid in full.
On XX/XX/18, we wrote a check on our Wells Fargo checking account for {$4000.00}, and mailed it to a business named " XXXX XXXX '' in XXXX XXXX, FL to pay for some aluminum shutters at our home in XXXX, FL. 
After several days, XXXX XXXX advised me that they did not receive our mailed check. 
We then contacted Wells Fargo who said that the check had been paid out to a " XXXX XXXX '' ; it was endorsed and posted on XX/XX/18 into an un named XXXX Bank account. Wells Fargo was told that the check had not been made out to XXXX XXXX, and XXXX XXXX confirmed that " XXXX XXXX '' is not a signer or employee at their business. XXXX XXXX stated that they had determined that this check, along with other payments, had been stolen from their mail box in XXXX XXXX. They notified the Postal Inspector and made a report. Wells Fargo will not tell us what XXXX branch location the check was deposited at and/or the account number to assist us in a criminal investigation and reimbursement for our funds. We did file a police report of our loss at XXXX County Sheriff but they can not investigate the issue further without the location of the deposit transaction. Case # XXXX. We wish to prosecute for Fraud and Grand Theft. We also reported our stolen check to the Postal Inspector and the FDIC. 
We filed affidavits at Wells Fargo regarding the Fraud and Theft and were given a claim number. Claim ID XXXX. The bank refuses to cooperate, refund our account, or reimburse us for our loss. They advise us that they have no plan to credit our account, nor are they conducting an investigation at this time. Isn't our bank insured? Please help us. We are crime victims. 
Thanks for your assistance.
Bank XXXX XXXX was charging us {$49.00} late fee then XX/XX/XXXX drop our late fee to $ XXXX.PennyMac bought our loan in XX/XX/XXXX.We contacted them because they sent us a payment showing we will be charge {$49.00} late fee we send them paper work to show that we have been charge any late fee of that amount since XX/XX/XXXX.But they are saying it will be {$49.00} late fee no matter what.
Basically he contacted mother in law, when a home number was correct. Explain who he was, worked for,. This is in my husband 's name. Supposedly from XXXX. I asked for verification, says it was sent, explained mail carriers changed do n't have. I was in shock at time. Under impression not sending a validation. I wanted to call XXXX. Next morning realized we do n't have that account. Made demands to my husband had to be resolved by XXXX.
A temporary job service named XXXX had a background company called First Advantage run a criminal background check on me. The company found an old charge that should have been expunged based upon the stipulation of my probation and that the charge is XXXX years old.
There are inquiries on my consumer report from creditors who have not offered me credit. I DO NOT have a credit card from these creditors. By law, if a creditor checks your consumer report and DO NOT offer you credit, those inquiries are not supposed to be on your consumer report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ;
I took out private loans to help pay for XXXX school. I was advised of the amount borrowed when I took out the loans. I was advised of the interest rates. However, I was never informed of how that interest would accrue. I have XXXX loan that the amount borrowed in XXXX was {$27000.00}. I have made regular payments of {$600.00} per month and pay more when I can. These payments began in XXXX when I graduated from XXXX. I now owe {$69000.00} on the loan. TRIPLE what I originally borrowed despite regular payments. I feel like these are unfair lending practices.
On XXXX/XXXX/XXXX, I encountered a rough forced sale in XXXX. I reported to the credit card service and revoked authorization on the same transaction day. I was assured by the card service personnel that he would take care of it. 

As soon as I got back to the U.S. and received a package without returning address, I reported to the card service. 
On XXXX/XXXX/XXXX, the charge was credited back to my account. 

On XXXX/XXXX/XXXX, I asked the car company to help return the shipped package without returning address and valid phone number. 

On XXXX/XXXX/XXXX, Barclaycard Bank card service confirmed that the fraud investigation has been completed and I am not responsible for the reported fraudulent activity. 

On XXXX/XXXX/XXXX, I received the late arrived letter dated XXXX XXXX, XXXX. That letter briefly stated the card company remained unable to pursue credit on my behalf. No other investigation document was attached. I called to reopen the investigation. 

On XXXX/XXXX/XXXX, I was asked to either send in my own investigation documents in 2 hours, or pay {$230.00} on the phone to get extension to send in my investigation. It took the card company 10.5 months to complete an investigation without any document. 

On XXXX/XXXX/XXXX, I sent XXXX XXXX XXXX XXXX a request to re-open the investigation with documents of my own investigation. My investigation on the shipped product shows the listing price of the shipped product is US {$830.00} vs. charged amount of US {$11000.00}. The over charge of the immediately reported forced sale is US {$11000.00}, even if it is real product. 
And the content of the product ( XXXX ) is what my doctor asked me to avoid. 

Since the card company stated my further request might not be answered ( dated XXXX/XXXX/XXXX ), and asked me to pay {$230.00} on the phone to get a chance to submit my own investigation for review when I requested a documented investigation, I decide to ask CFPB for help to get credit back for the reported revoked fraudulent charge with interests/penalties. 

I also want to warn other consumers the following : Consumer can cancel a check, a bank can return a check without sufficient fund ; but a credit card company can charge back a revoked fraudulent charge that exceeds available credit limit and was reported 10.5 months ago. And consumer will be required to pay a high fee to get a chance to submit his own investigation on a fraudulent charge reported 11.5 months ago.
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am XXXX every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.
I lived at XXXX XXXX in XXXX, my lease was up and I vacated in XXXX. After leaving the apartment complex thought I had signed a 13 month lease and tried to charge me for additional rent. After collecting paperwork and meeting with them I was able to resolve that I indeed had a 12 month lease and had not violated any terms. I left thinking the issue was resolved. Apparently I still owned {$79.00} in cleaning fees. Which I was not notified of until XX/XX/XXXX. Once I was made aware I immediately paid the amount and have receipts and bank statements to prove this. However NCC business decided to claim that the amount owed was in collections. They contacted me several times to try and collect the money that I had already directly paid to XXXX XXXX. I told NCC I would not pay them because the amount was already settled. NCC refused to contact XXXX XXXX to verify this information and continued to claim it was in collections. I sent them documentation repeatedly that this was paid for. I thought the issue resolved since I had paid in XXXX. Now inXXXX I was purchasing a home and my credit was reviewed. My loan agent brought to my attention that the {$79.00} was still considered to be in collections. I sent a dispute and evidence to NCC and demand that they remove it. They refused for months. Because I had to close on my loan or risk losing the house my lawyer advised me to remove the dispute and wait a year until my loan settles and my credit is safe to dispute again. Now unfortunately my loan rate was severely affected by NCC claim that I had debt. In fact my credit has been affected since XXXX because they lied about me not paying the debt. I reached out to them a year later when my loan was settled and my credit safe as my lawyer suggested. I have sent documentation over and over again to NCC to prove I paid in XXXX. They refuse to make any changes or compensation for my time, hassle, affected credit, and negligence on their behalf. This could have been resolved in XXXX. Instead its continuing to affect me 6 years later.
XXXX XXXX XXXX XXXX ( XXXX ), XXXX, the lender, erroneously reported to EQUIFAX, XXXX, and XXXX  that my automobile debt was included in a Chapter XXXX ( included in Wage Earning Plan ). This is incorrect and, unless they can show evidence to the contrary directly from the Court of Jurisdiction, they must ask all three credit bureaus to retract this information. The debt in question was NOT part of a Chapter XXXX filing and was paid in full as agreed.
Buyer and seller entered into a contract to purchase real property in a common residential agreement. There was a mortgage contingency and the buyer chose TD bank to obtain a mortgage. Contractually, the closing date was to be XX/XX/2016. TD BANK issued a clear to close on XX/XX/2016. Sellers moved out and went under contract to purchase another home based on the contingency being removed. Closing was still delayed until XX/XX/XXXX because of various issues, but both parties had signed ALL required paperwork on XX/XX/2016, both the buyer and TD bank wired funds to the closing agent. However, TD BANK REFUSED T FUND THE LOAN BECAUSE OF " underwriting '' concerns. It is now 3 days later, funding has not yet been authorized, and the parties are not being told why, if it will get resolved, or when. TD BANK IS HOLDING at least XXXX families hostage and are not communicating at all.
I put a credit freeze on my data at Experian on XX/XX/XXXX by telephone. Subsequently, I was sent three sets of documents, also called reports, by Experian with an identification number. The document advised me to save this identification number because I would need it to validate my identity with Experian should I need to temporarily lift the freeze on the credit report. Each report had the same identification number. The number contained 6 leading XXXX followed by 9 other digits. 

On XX/XX/XXXX and again on XX/XX/XXXX, I attempted numerous times to temporarily lift the credit freeze on my credit data. I was unsuccessful and encountered the following problems. 

The use of leading XXXX defeats the purpose of a unique ID number since the online form accepts any number of digits up to a maximum of 10 and there is no way to know how many to enter or whether on should enter any at all. 

Regardless of the number of leading XXXX, since I tried all possible combinations which the form would accept, including NO XXXX, the online form to temporarily lift the freeze would not accept this number. In each case I included the other 9 digits. 

I also tried the number I was given when initially creating the freeze over the phone but which had not worked during a previous temporary suspension of the freeze. This number was different from the one sent by mail on an official form. This one had no leading XXXX and contained 10 digits. This was also rejected. 

I then tried to establish my identity without a PIN using a series of questions. I answered each question correctly but Experian rejected this method of validation as well. Apparently the data they collect is often inaccurate and invalid and produces many false negatives. 

Finally, I tried to upload a PDF scan of the three documents they sent again using their online form, but their system was unable to upload this document. 

Experian does not provide telephone support to resolve problems like this. For a company with so much power over the financial lives of Americans to display this degree of incompetence with no way to quickly resolve issues is completely unacceptable. 

I need a valid identification number to use to temporarily lift the credit freeze on my credit report promptly from Experian. This number should contain no leading XXXX.
My original loan was with XXXX XXXX XXXX, who transferred it to XXXX. I became very ill and underwent three XXXX last year and had missed several payments but XXXX encouraged me to apply for a loan modification. I was in the midst of completing the necessary paper work when XXXX returned my most recent two mortgage payments and notified me that my loan was transferred to Bayview Loan Servicing. This is when the real nightmare began!

Bayview would not any accept payments from me. They immediately served me with a notice of default. I completed their loan modification paperwork and submitted it, only to have them time and time again send me notifications that they needed additional information. This process began in XX/XX/XXXX. The loan modification is still " in progress. '' The request I received in the mail today asks for " a copy of Estate Documents i.e. executed Last Will and Testament '' and " Copy of Trust Agreement. Must be irrevocable trust with borrower reflected as beneficiary ''! 

I have complete records of their correspondence along with all my responses that I sent registered mail with tracking numbers. I also have a phone log of my numerous attempts to contact them by phone. I have been shut down from accessing my account via their website. 

Foreclosure is scheduled for XX/XX/XXXX. I have the funds available but they will not tell me the reinstatement amount. I have made four requests via email beginning XX/XX/XXXX. I was notified ( with the foreclosure documents ) to contact their partner, XXXX XXXX XXXX XXXX of WA. Neither Bayview or XXXX XXXX XXXX will provide me with the information I need to make payment to keep my home. 

Bayview is the most corrupt company I have every done business with. Can you help?
Received blue cash preferred from American Express about XXXX and started purchases on XXXX. Today received first statement with a XXXX $ assessed annual membership fee. 
When applying on line for ABOVE card I do not recall seeing any such fee. Have concluded using this card for the assessed fee. My charges have concluded with my two week and three days XXXX.
On XXXX/XXXX/2016 I discovered negative credit items had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''
A company in XXXX called Conn 's Appliance keeps calling my parents house for a debt that they say belongs to someone with my same name. I have not lived with my parents for over 15 years. They live in XXXX, XXXX & I live in XXXX, XXXX. I have never been to XXXX. They are telling me to give them my bday & last XXXX of social to go further into the information, but I am not giving that information over the phone to a company I have NEVER had contact with. I told them this & they continue to call.
I bought a car at XXXX XXXX XXXX XXXX and they sold me an add-on installment contract for tires/repairs from a company called XXXX XXXX. The car was a lemon and I returned it to XXXX XXXX XXXX XXXX. They told me they would cancel the add-on installment contact from Line 5 because I returned the car and could not use this installment contact. I noticed 2 months ago that Line 5 reported me 30 days late to the credit bureaus and it severely dropped my credit scores. I called and they said they were sorry and they would fix it. I just pulled my credit again and now they have reported me 60 days late. This has XXXX my credit and my chances of buying new home for my family.
I have paid my Macy 's account balance XXXX separate times, and yet I still see another {$2.00} bill added to my account. I know I have paid the balance off so I do n't check since I have not charged anything at Macy 's. How do they get away with the practice of adding a {$2.00} fee to my inactive account?
I was sued in court by the company and make payments the original company calls me everyday wanting payments also they harrass me 2-3 times a day