WillisBack/dataset-financial-user-claim huggingface dataset:
This past  XX/XX/XXXX  I ordered a credit score from Experian for a cost of {$4.00}. Almost a month later (  XX/XX/XXXX ) they charged another {$19.00} without my approval.I tried calling Experian but they refused to give me an answer of why they kept charging my credit card.
I have now tried THREE TIMES via direct dispute with XXXX, XXXX, and oh boy, Experian! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!
XXXX XXXX student loans reached an agreement with me and sent me a letter to agree to have all XXXX accounts deleted off of my credit report, I uploaded the letter as proof to Equifax and they have yet to delete. I just want the accounts deleted off my credit report like agreed in the letter that I sent.
I started paying this debt through garnishment XXXX 2014. At the end of XXXX 2014 I was laid off from my full time job. I tried to contact Columbia Collections Services multiple times to pay the remaining part of the bill in full but was never called back. For the last year I have left messages weekly for XXXX, the rep in charge of my account with no response. I have also called the lawyer on file and left messages and never got a response. Instead of letting me pay my debt, Columbia has tried to seize my bank funds twice and has issued garnishment papers to multiple places that I did n't even work at. This process of filing new papers over and over has resulted in over {$2000.00} in fees on an original debt amount of {$1100.00}. I wanted to settle this debt over a year ago and have n't been given the opportunity. I feel like this is unfair and should be illegal. Especially given this debt was from a medical bill that I should n't have even aquired. Columbia is now garnishing XXXX % of my income monthly and still wo n't call me back. My boyfriend has been calling everyday as well trying to pay the debt in full and is also being ignored. 
I am writing you this letter to file a complaint. I am not the first person who this has happened to. When you look Columbia up online, you find nothing but complaints of many people going through very similiar situations. I have since paid my debt back and I understand having some added interest, but doubling the debt is absolutely ridiculous. Had they let me pay it in full, the fees would 've never grown like they have. I would appreciate your assitance in this matter so that I can pay off my debt in full without having to pay the additional amount being charged as a result of the unethical and unprofessional behavior that Columbia Collections Services Inc. has exhibited over the past 18 months. 

Best RegardsXXXX XXXX
XXXX XXXX XXXX XXXX sent a letter to me say they are trying to collect a overdue debt from XXXX XXXX at the address of a house I own but do not live at. I lease the house to another person. I explained I used XXXX and never had internet or cable from XXXX. And that I have not liver their for years. They sent the bill for XXXX for one month for a phone bill on a land line that I disconnected years ago.
Experian REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
an account was fraudulenty placed on my credit file by  XXXX  . Below is the account information i have requested a proper verification several times from  XXXX  to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.      XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}
Bank of America is changing the account 'type ' that I originally signed up for and the resulting fees are significant. With little notice, BofA is requiring a balance of {$2500.00} for me to maintain my account 'level ' which came with essentially free access to the bank and free checks. Now they intend charge {$25.00} each month for me to maintain that account at BofA. Also, the line of credit linked to my account will assess a fee of {$10.00} per transfer. This was previously free. These new fees are unacceptable and I do not think it is fair or legal for them to force me to downgrade my account and limit my access to the bank and my money. 
By analogy, this is like buying a new car from XXXX with power windows a few years ago and then hearing from them today that they want to remove the power windows 'benefit ' from my car. If not, they will charge me {$10.00} or {$25.00} each time I want to use the power windows unless I buy a new 'plan ' for {$2500.00}. 
By comparison, the other banks ( and credit unions ) I have funds with are not charging fees for this access to my money nor requiring minimum balances or 'direct deposits ' so I question the legality of the new requirements and fee structures. At a minimum it is poor customer relations not good business. 
My attempts to resolve this with BofA have been rather time consuming and somewhat fruitless.
Approximately 25 days ago I was called  by Kohls  credit card company saying I was late on a payment. I was told I had made  two  purchases in  XXXX . I explained to them that I had mail stolen from me around that time and have also had other issues with some fraud and possible tax return fraud. After speaking with many people at  Kohls  they could not get me to their fraud department in an expedited time frame. It took well over a half hour to speak with someone. No one could ever tell me what exactly was purchased nor did they give me the address of where the items were shipped. Only the fact that it was a city and state. They also explained that my wife 's account email address was either changed or attempted change to be changed to a very similar email address to her curren t one. After this call we received a letter delivered via USPS telling us the case was being investigated and we should only pay on the balance of what we owe. It is my understanding that our balance with Kohls was {$0.00}. If there was a balanced owed there was never an accurate statement sent to us to show an open balance. Kohls recently reported us late to the credit bureaus and shows an  open balance of almost 30 % more than our credit limit. I called into the collection department and I was told by their employee  XXXX   XXXX  ID  XXXX  that it is my responsibility to continue to pay on the account during the 30 day period after  Kohls explained the fraud to me. I told her that I was n't going to make payments on an account after I reported fraud. She then explained that Kohls would then reverse the credit reporting error after their investigation. In the mean time my balance shows {$360.00} dollars on a small credit line of {$300.00} and now a 30 day late. Their error is keeping me from moving into a new home and might effect my employment status and or future employment status. They are telling me to pay on a fraudulent charge to avoid their misrepresentation of derogatory credit. I spoke with  XXXX  immediate   supervisor  XXXX  employee ID  XXXX  and she explained that they could n't get through to their fraud department and agreed that if this is fraud then I should not be making payments during the investigation. She apologized for the miscommunication because they felt it was a dispute on the purchase not as a fraud dispute. I responded that it was not a miscommunication it rather was an employee who demanded payment to avoid reporting of erroneous credit history to the agencies and the additional late charges added to my credit bureau. I spoke with  XXXX  in the fraud dept ( employee ID  XXXX  ) and she explained that nothing should have been reported to the credit agencies and that it is the collection departments fault. She said she had no supervisors available and that  XXXX   XXXX  would call me when he gets out of his meeting. No one  at Kohls  knows how to fix this problem other than me making payments on a fraudulent charge.
On XXXX XXXX, XXXX, an account with XXXX was opened in my name. In order to open the account, an inquiry was placed on my Equifax credit report. 

Shortly after I noticed the fraud, I contacted XXXX about the identity theft and they responded by marking the account as fraudulent on their end. 

Six months later, the fraudulent inquiry was still on my Equifax credit report. I filed a dispute by mail with Equifax who promptly gave me a response saying they inquired with XXXX about the inquiry and determined it was factual. 

On XXXX XXXX, XXXX, I contacted Equifax to find out what my next steps would be and they told me I needed to request that XXXX send a request to Equifax to have the information removed. I called XXXX to make that request and was told that they had already taken all the necessary steps and that they would not be able to assist me any further. 

At this point, I feel like I am at a dead end and have nowhere to turn. I 'd like to get this last item corrected on my report after months of issues with all 3 credit reporting agencies and multiple creditors.
I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment being XX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and XXXX refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.
have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.
Good afternoon the company below is still effecting my credit. The debt has been in default for more than 6 years. The last payment was made on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX Owner XXXX XXXX Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 2 Balance {$4700.00} Date Opened XX/XX/XXXX Amount Past Due {$4700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount {$140.00} Months Reviewed 4 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1900.00} Balloon Payment Date Balloon Payment Amount Loan Type Note Loan Date Closed Date of First Delinquency XX/XX/XXXX
XX/XX/XXXX new home was purchased and all property taxes were paid in full through escrow. 
XX/XX/XXXX PNC purchased mortgage loan from a different lender. 
XX/XX/XXXX Real Estate Taxes were reported as delinquent by PNC Bank. 
XX/XX/XXXX XXXX County Nevada County Property Tax Assessor stated real estate taxes were not delinquent. 

XX/XX/XXXX PNC Bank stated that XX/XX/XXXX tax installment was unpaid. 

We purchased property XX/XX/XXXX PNC Bank threatened to impose penalties and mandatory escrow.
I keep losing all the information I put down so this is just me saying what happened. As of XXXX XXXX, XXXX on them before date of XXXX XXXX, XXXX I was placed in a mental health facility. The direction of the length of time being spent was n't given to me by overall stay there over three weeks and a half. During the time of my stay my personal checking and personal savings was liquidated far before I got out my credit cards are maxed and basically accounts were closed before I even got out. With that being said I got out of the facility and during the day and there was never informed that and then Vic should notice was placed on my door with notice to leave. With me being in the facility all my personal items were thrown away from my house or apartment XXXX XXXX Virginia XXXX, XXXX, CA XXXX. With all my valuables been thrown away materialistic items gone. There is also three of my vehicles that basically could n't be moved. They got labeled as a banded waist and put out have a XXXX for an impound. Now When leaving the facility in receiving this information that everything of mine was thrown away and cars and pounded basically I walked from my house to my personal bank Bank of America off of XXXX XXXX Less than a mile away not having any form of ID so security social card or birth certificate as well as EIN XXXX the personal banker that I had actually open my accounts up with that help me out to try to figure the situation he then presented to me that both of my accounts were liquidated around 9100 and  something dollars and then my credit was maxed out the total of 2700 and something I really do n't know what to say more I 've tried and continue to do so but the definition of insanity been to repeat the same process and expect a different outcome is starting to dwell on my shoulders thinking I might be insane.
The medical debt collection agency calls at least once a day, sometimes twice. sometimes they are robo calls, sometimes a live person. the number they call from is XXXX
My complaint and present-day issue involves Central Credit Services, a debt collection agency at XXXX XXXX XXXX XXXX, XXXX XXXX, Missouri. Zip code : XXXX. The debt collection agency, Central Credit Services, references their account # XXXX. 

The allegation of a delinquent debt by Central Credit Services is faulty. Their agency violates sections of FDCPA, and one of those sections includes their requirement to provide " Proper Verification of a Debt '' which is annotated within FDCPA 1692g. 

Central Credit Services mailed a debt-collection notice to me on XXXX XXXX, XXXX, alleging a {$1600.00} debt as due, identifying the original creditor of the alleged debt as XXXX XXXX. XXXX XXXX is based in XXXX, Wisconsin. Their notice is in error. I do not owe the debt. 

On XXXX XXXX, XXXX, I sent a dispute letter to Central Credit Services, utilizing Priority - Return Receipt postal mail. Central Credit received my dispute letter on XXXX XXXX, XXXX. 

I initiated a XXXX XXXX XXXX complaint against XXXX XXXX on XXXX XXXX, XXXX, disputing any debt that is allegedly due by me to XXXX XXXX, which is referenced in the Central Credit Services billing notice. The XXXX XXXX references my complaint with ID # XXXX, dated XXXX XXXX, XXXX. 

XXXX XXXX provided a written answer to my complaint on XXXX XXXX, XXXX. XXXX 's answer was directed both to me and the XXXX XXXX. XXXX 's answer to me is written, in part : " .... XXXX XXXX will write off the balance and remove the account from collections. '' Further, XXXX 's written response to me added : " .... We will have the collections agency send a letter to the patient ( meaning, me ) confirming the account ( s ) are CLOSED and DELETED from the ( patient 's ) CREDIT REPORT. 

On XXXX XXXX, XXXX, I sent a XXXX dispute letter to Central Credit Services, and referenced XXXX XXXX 's answer to my complaint and assertion that no debt is due to XXXX XXXX. My XXXX correspondence to XXXX XXXX was sent by Priority Certified - Receipt postal mail. XXXX XXXX received my XXXX correspondence on XXXX XXXX, XXXX. 

This entire issue originated with a Debt Buyer, XXXX XXXX XXXX, XXXX. The original ( alleged ) debt buyer, XXXX, had sold XXXX alleged debts of {$810.00} each to a debt collection agency known as XXXX XX/XX/XXXX. Both of those alleged debts, referencing XXXX XXXX, were disputed by me with XXXX in timely correspondence dated XXXX XXXX, XXXX. 

While XXXX XXXX is vague about how these alleged Medical debts have ever surfaced, it appears that either XXXX XXXX or an affiliate Hospital erred in sending their own billings to the Veterans ' Administration -- which had later paid Medical Billings in my behalf. In any event, there is NOT DEBT DUE TO XXXX XXXX. Indeed, XXXX XXXX has now confirmed it, ( finally ), and provided written correspondence to me and the XXXX XXXX 

Central Credit Services violates law if continuing to collect this alleged debt. It is necessary that Central Credit Services provide correspondence to me, indicating their acknowledgement that this matter is closed with no debt due to the ( alleged ) original creditor -- XXXX XXXX.
I disputed BARCLAYS BANK DELAWARE as a Fraudulently account. 
I sent them a Police Report & Identity Theft Victim Complaint and Affidavit to let them know that I 'm a victim of ID Theft. I notify all three credit report agency about this account.They have been remove from XXXX of the credit report agency. But on XXXX it 's still showing. So I call the XXXX Fraud Department about this account and they told me that BARCLAYS BANK DELAWARE said my name & SS is still the same. And I told BARCLAYS BANK DELAWARE that I am a victim of ID Theft. I disputed this account XXXX/XXXX/2016 with XXXX Account # XXXX they are the one I contact first about this account.And I contact BARCLAYS BANK DELAWARE on XXXX/XXXX/2016 and XXXX.I talk to XXXX about this account he stated that he need to talk to the officer about this account. This suppose to took place two week ago. I talk to him again on XXXX/XXXX/2016 he said the same thing that he said two week ago. And he were being disrespect to me.
I sent a request for validation to JH PORTFOLIO DEBT EQUITIES for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.
after being solicited i took payday loans in ny 7 years ago which to my understanding now was illegal to lend here then. Then i got a lawyer and they got em paid but charged me more than the loans over time.I a XXXX year old XXXX vet and these debts are paid they are all response via email and i do n't know how to send them
I am a Realtor of 30 years and my family was severely impacted when the financial markets collapsed in XX/XX/XXXX. Since that time our family had to file bankruptcy to save our house because we could not get Wells Fargo to approve a mortgage modification. As a result of that filing, and without a mortgage modification we had to reinstate our loan for our primary residence by pulling a large amount of money out of our retirement account. Our bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. Our primary residence is still carrying a 6 % loan, as we have been unable to refinance due to the neighborhood values and most importantly the mortgage was sold through the secondary money market. In addition, due to a lawsuit we had to file against XXXX to secure a modification for an investment property we are being told by the banking community our loan modification is seen as a short sale. So with the combination of a secondary market loan product and short sale we are still unable to refinance our family home. Why is our family being discriminated and penalized against obtaining a refinance on our primary residence residence when not one banker has been held accountable for the financial collapse of this country? This is pathetic!
I paid these companies the money I owe them but they refused to delete the collections off my credit report after they agreed to. I received letters stating that the debt has been paid.
Rushmore has not provided the breakdown of all the payments from the loan as requested the payoff amount they just sent is {$55000.00} higher than the foreclosure judgement amount and this is not the escrow taxes or insurance payments there is no explanation as to the additional costs and it is not included in the judgement award Rushmore to give me the accurate records requested. They denied my modification CLAIMING THAT IT WAS NOT RECEIVED IN A FAIR AMOUNT OF TIME YET THE REJECTION WAS BECAUSE THEY SAID THEY DO NOT DO MODIFICATIONS FOR LOANS IN DEFAULT THE AMOUNT OF TIME MY LOAN IS IN DEFAULT FOR. THEY HAVE BEEN ABUSIVE WHEN I REQUEST INFORMATION I WAS TOLD THAT I SHOULDNT HAVE BEEN SO FAR IN DEFAULT. THAT IF I HAD MADE MY PAYMENTS I WOULDNT BE IN THIS SITUATION AND THERE IS NOTHING I CAN DO THAT IS WHAT I OWE IF I DONT PAY IT THE HOUSE WILL BE SOLD Rushmore does NOT RESPOND TO THE ALLEGATIONS THEY RESPOND TO OTHER ISSUES. 

THE JUDGEMENT AMOUNT AND PAYOFF AMOUNT ARE LEGALLY SUPPOSED TO BE THE SAME BUT THEY ARE NOT AND IT IS NOT LAWYERS FEES INSURANCE PROPERTY COSTS TAXES OR ESCROW THOSE AMOUNTS I AM AWARE OF IT IS THE ADDITIONAL XXXX