WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from   XXXX   XXXX  ,  XXXX  dated   XXXX   XXXX   , 2017    stating they represent a  EOS USA  and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.
My XXXX account was sold to XXXX financial. Recently my card has been declined for simple transactions even though my account is paid in full every statement. 
Since XX/XX/XXXX, I have called their customer service number several times each day, and they kept me on hold as long as I could stand it ... .up to one hour! 
XXXX. I can not get through to them for an explanation. 
Please help. The bank that sold their credit accounts said they couldn't help.
The company is scamming people out of their information by providing false hope to obtain a loan. They tell people they will be funded and never fund the loan. They then take your information, send and sell it to other companies. XXXX is a complete scam. The whole XXXX XXXX XXXX  system is scam. Including XXXX XXXX
On XX/XX/XXXX, I received my Mortgage Billing Statement and viewed {$510.00} in charges for products or services that had been added to the content without authorization or request. I contacted the XXXX XXXX XXXX and spoke with XXXX, a representative for customer services who told me that {$18.00} of charges were for a FEMA inspection fee that the XXXX XXXX XXXX was obligated to pay, not me. I asked, If that is the case, why is this charge added to my Mortgage Billing Statement, and sent to me as a bill in the total cost of my mortgage? She stated that I did not need to worry about that charge and to just make my regular monthly mortgage payment which did not include the {$510.00} in charges. She also informed me that the remaining {$500.00} was the result of charges for fees from an attorney in the XXXX XXXX XXXX  Bankruptcy Department. She referenced me to a XXXX XXXX at ( XXXX ) XXXX, and connected me to that department. 
I spoke to XXXX XXXX XXXX, Bankruptcy Lead, regarding the {$500.00} charge of fees for services to prepare what he spoke of as a P.O.C. ( Proof of Claims ) bankruptcy file. He told me that the attorney for XXXX XXXX XXXX was viewing the computer and he saw that a Chapter XXXX Bankruptcy with my daughters name had been filed. He also stated that the attorney for XXXX XXXX XXXX knew he would have to send a Proof of Claims file to the court and he did. I informed him that neither my daughter nor me had requested or authorized this action. Also that written notice to cancel the bankruptcy proceedings had been given to the law office initiating the case. In addition, that none of the requested necessary paperwork was ever given to that law office ( Tax Returns, Bank Statements, XXXX Forms, Payroll stubs, or Mortgage information ) purposely, as assurance to prevent them from attempting to file a case anyway. I informed XXXX XXXX that I was present in the law office when my daughter gave specific instruction to the attorney in charge that my residence was not to be included in the filing for the Chapter XXXX Bankruptcy. She stated that she was no longer a resident at the address and that I ( her mother ) made all payments for the mortgage which was neither in arrears nor foreclosure. They assured her that nothing they did would affect my residence. XXXX XXXX was persistent in stating that the attorney for XXXX XXXX XXXX was obligated by the court to prepare a Proof of Claims file and to submit it to the court regardless of whether it was requested or authorized. He also told me that the fees would remain on my account until they were paid by either my daughter or me. To date : XX/XX/XXXX, the fees remain on my Mortgage Billing Statement. I inquired of XXXX XXXX, How can it be allowed ( as the incident was described to me by him ) that some attorney just looking on the computer would perform this action without my knowledge, request, or authorization, and then bill me?
CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I have autopay set-up for  XXXX  federal loans. Navient did not process the autopay as contracted for  XXXX / XXXX /   2017  forcing me to make a manual payment. They are claiming I am pass due. They are responsible for initiating the autopay.
I received a check from my insurance company in XXXX for funds in reference to hurricane Irma. I contacted Flagstar bank and they sent me a packet to fill out and send back with copies of the companies XXXX, Ins adjusters work sheet, conditional waiver of lien, contractor affidavit, repairs affidavit and property owner contract. All were sent along with the endorsed check in XXXX. 
I have been in contact with Flagstar starting in XX/XX/XXXX however i did not start documenting until XX/XX/XXXX. On each occasion I spoke to a customer service person in the Loss Draft Department. Each time there were frivolous excuses given for why they had not sent my check to me so that we could get a start date for replacement of our roof. 
On Each time I called : XX/XX/XXXX / 21 minutes on hold XX/XX/XXXX / 1 hour and 40 minutes trying to resolve issues that did not exist because they had all the paperwork necessary to release the check. 
On XX/XX/XXXX I was told the check would release. 
XX/XX/XXXX I called again and was told the check released on XX/XX/XXXX and it would take 10 days to get to me. 
XX/XX/XXXX I have still not recd the check. Flagstar is holding my money and causing damage to an already damaged roof for no reason. It was my understanding the reason the insurance companies put the insurance check in both our name and banks name is to insure that the work is done to protect the banks investment in the home. So why are they giving me such a hard time about releasing the check? I believe that the bank is stalling and holding my money hostage for a reason I can not fathom. 
reference loss draft ID # XXXX telephone number XXXX
I am completely outraged right now. There is a glaring error on my credit reports that needs to be fixed literally as soon as possible. My family is on our way to owning our first home, and this is really preventing us from accomplishing this goal. 

I have attached a copy of my credit report that shows this error. XXXX XXXX is showing I still pay monthly for a car that has not been in my possession for over 4 years! It shows we make a monthly payment of {$540.00} to XXXX XXXX, and we do not! Since this is reporting this false information, I would like Chrysler Capital to be able to prove this! But I'm 100 % sure they can not! 

How can a charged-off account show a current payment? This is just ludicrous. Everyone knows charged-off accounts are supposed to show a " {$0.00} '' balance anyway. And that is wrong as well! 

Apparently we are not the only victims of this company. XXXX has a 1 star review with Consumer Affairs, and XXXX customers has an 1 and  a half star rating as well for XXXX XXXX. Attached is the proof for this as well! 

This needs to be removed from my report ASAP! It is inaccurate, and throwing off our debt-to-income ratio, and now we can not be approved for our dream home without it!
XXXX XXXX XXXX has provided more than XXXX phones free over 12 years as a customer. I negotiated XXXX phones at XXXX for free and as a gesture agreed to add a XXXX line which was not needed. XXXX XXXX XXXX pushed a Free Tablet which I agreed to as well. When XXXX XXXX came with Tablet [ both free ] XXXX XXXX XXXX made error and sent XXXX of each. Being honest I sent both back and said never mind I do n't need tablet or XXXX line because they were reneging on free phones. Then they said we 'll give the free phones and issued credits to get me to stay. Long story short, CS Reps verified I was promised XXXX free phones but when {$40.00} of charges for the XXXX line and tablet went on my bill and XXXX XXXX XXXX would not credit me, I said I would take them to Small Claims Court and get triple damages. It was illegal since I never accepted the products. After that someone from executive offices said I was never going to be credited for the charges ... I had already been given enough credits. But they were all deserved for other reasons! It was CRAZY! Anyway, the only way to teach them a lesson was to discontinue the XXXX XXXX XXXX service and so they placed XXXX of the phones costs on my bill and I was forced to pay it or I would not have been able to leave with my special phone numbers. So I did pay and then disputed the charge with my bank, because of how they took my credit card. The XXXX banks agreed that I had been defrauded and charged XXXX XXXX XXXX back. Now they are using an un-reputable firm calling with harassing calls to collect for a phone that is not owed monies for. I have contemporaneous and copious notes backing up what I claim and multiple XXXX people on chat logs telling me I was getting XXXX free phones. I hope you will be able to stop this madness in light of XXXX XXXX XXXX trying to get bigger by acquiring XXXX XXXX which should never be allowed. They want {$760.00} from me to help defray the cost of the {$85.00} XXXX! Thank you ...
I have several addresses that come back on my credit report that I have never resided. I have written in a description, Also my middle name is spelled incorrectly.
I began receiving phone calls from portfolio recoveries concerning a XXXX credit card in the amount of {$1200.00} approximately the statement or Bill that was provided to me from this company for XXXX XXXX was for an individual with the name of XXXX middle initial XXXX and last name XXXX with an address in XXXX or XXXX XXXX I am a XXXX resident and have always been a XXXX resident as a child I lived in XXXX but as an adult I 've always lived in XXXX and employed in XXXX I 've never ever visited XXXX and I do not know anyone in XXXX and they are trying to collect a debt from me but someone else 's name and address my middle initial is XXXX.. I currently have XXXX credit accts with XXXX which are in good standing at this time I have no previous accounts that were unpaid with XXXX again my name is XXXX middle initial XXXX last name XXXX and my home address is XXXX XXXX XXXX XXXX and I 've been a resident here for approximately 20 years
During sometime around XX/XX/XXXX or XXXX XXXX 2016,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX
I have submitted a complaint with the CFPB on  X/X/17    #  XXXX . It should have taken 15 days for the company to respond. It has been over a week from the last day it should have taken them to respond. I thought that the CFPB is here to help us, so I am writing this complaint under the assumption that Experian has no regard for the CFPB and will continue to violate the rules and regulations of the FCRA, FDCPA and the guidelines which the CFPB has set forth.     Since there has been no response, I can therefore declare that the information included in complaint #  XXXX  is FALSELY reported due to the lack of a response. I demand that the contents of the complaint be removed immediately or I will be forced to file a lawsuit for each item listed in the complaint at {$1000.00} per item not addressed. My attorney and I are ready to file a suit unless these items are removed from my report.
On  XXXX   XXXX ,   XXXX   I pulled my  XXXX  major credit reports from  XXXX . I noticed an account being reported by Navy Federal Credit Union that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around  XXXX   XXXX ,   XXXX   I received an updated credit report and a summary of the investigation that simply stated "  Information  validated as accurate ''. No reason, method, or support to that statement.     In the updated credit report I found that not only did they not resolve my complaint but they allowed Navy Federal Credit Union to update information on the account from charge-off with a balance of    XXXX    and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  XXXX  to  XXXX , and tack on  XXXX  reports of 90 days late to account that had a previous balance of {$0.00}.     I then disputed this new information with all  XXXX  credit agencies with the investigation results once again stating  " Information v alidated as accurate '' with out anything to support that statement.     I then proceeded to file a complaint with the BBB against   XXXX   about the matter. However, the BBB did nothing but open up a line of communication with  XXXX . No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.     I then made direct contact with Navy Federal Credit Union. Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for   XXXX   and hung up.     I am now in the process of initiate  XXXX  last effort to have the report corrected before I pursue legal advice on handling the matter.
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX/XXXX Inquiry from XXXX XXXX, XXXX + Complete Dept. Stores XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Services, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX , XXXX. 
Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX-XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Misc. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I noticed that I had a debt collector on my credit report. But I had insurance at the time of the visit. So, I hired me a consum er investigator to look into the debt and why is Business Professional Services is on my credit report. Aft er the research was done it was a medical bill with  XXXX   XXXX   XXXX . So, a visit was made to the clinic to find out why did I have a medical bill on my credit report. They looked into their records and found out the bill was actually paid by my insurance. Now, I the collection company will not remove themselves from my credit report.
Regions Bank are reporting a report for non sufficient- funds to XXXX . Original charge off amount of XXXX. That is not accurate. The contract ended with a XXXX balance.
I had a membership contract with XXXX XXXXXXXX, and before signing up with the sales person, I had mentioned that I had just gotten out of XXXX XXXX from previous injuries, so if anything were to happen, if I could cancel my membership on the spot. He said as long as I have a doctors note, I can cancel right away it without any hidden fees. 

I had gotten injured not too long ago from my work, which my doctor had written a note saying that I can no longer box anymore. I went to cancel my membership but they still insist on charging me for another 2 months, as the lady told me just come in and watch at least because you cant cancel your membership right away. They even have on record for the times Ive clocked in, and Ive only been there about 7 times since XXXX due to my injury. They wouldnt pause my membership either as they said I had to pay {$10.00} every week if I did so. 

Ive even filed a dispute with my bank, and they sided with me after I told them what was going on. The bank had refund me for the months they had charged me, but XXXX XXXX add the disputed amounts back to my bills saying that I owed them back. I called the payment collectors ( the number that was given to me if I had any questions regarding the bill ) and told them my situation. They said if it had gotten disputed, then it shouldve been resolved already and that I wouldnt have to worry about any debt collections, and that my contract shouldve been taken care of. 

Now, I had just received a letter from Transworld Systems Inc., an attempt to collect a debt from a debt collector. Im not sure what to do at this point because I feel like Im being scammed by XXXX XXXX
I currently have a large student loan balance with American Educations Services who is the servicer. I have always made payments, but recently as of XX/XX/XXXX I have gone through a financial hardship and have fallen behind my payments. I contacted AES and they had sent me forms to complete so I can be enrolled in their financial hardship program ; in which payments as interest rate ( s ) are reduced. However, I need to be 100 % caught up in my payments in order to proceed. I have explained that it 's not possible for me to catch up as I am currently experiencing a financial hardship. Their response is that there is nothing that they can do. Due to this my credit is becoming damaged and I will always be late and never meet their parameters for their program. Instead they offer me forbearance, why would I want to make my loan more expensive? They is obviously an attempt to dissuade borrower 's from qualifying for their program and keep collecting fee ( s ).
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX XXXX, originating from XXXX XXXX XXXX, which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Currently there are four separate entities claiming to have standing on my " Note '' or my Deed of Trust. They all want different sums and two have attempted to foreclose on me simultaneously AFTER a complete discharge of the Note in a Chapter XXXX BK which was discharged in XXXX of 2014. Two are reporting on my credit report, two are not. I have sent well over 20 letters to ALL these entities asking them to please provide proof of standing and to date, all they have ever sent me is a copy of my Note and Deed of Trust which I already have. They have cost me XXXX of dollars in litigation fee 's and still to date, no one has come forth with any proof of ownership, and even though ALL mortgage debt was discharged in the bankruptcy, Ocwen and XXXX are still reporting me as owing each of them differing amounts ( $ XXXX & $ XXXX ) while sending me demand letters for over $ XXXX ( Ocwen ) and $ XXXX by XXXX XXXX XXXX. I have sent multiple certified return receipt requests for proof and not a single one of them has complied. I want my NOTE returned as it was discharged and I want the clouded mess on my Deed of Trust cleaned up. And I want them to be overseen by as to their activities whereas I am concerned.
I am writing to you to complain about Common Wealth Financial Systems XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I have found adverse account information listed on my credit reports, XXXX, XXXX  and XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX  as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1100.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times via registered USPS certified mail with return receipts which prove Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!