WillisBack/dataset-financial-user-claim huggingface dataset:
PLEASE MAKE ''AFNI COLLECTION AGENCY '' TAKE OFF THE " FRAUD BILL '' ( THAT I PAID OFF, & THEY TOLD ME THEY WERE GOING TO TAKE THIS NEGATIVE REPORT OFF OF ALL XXXXCREDIT AGENCIES ... .CONCERNING MY CREDIT REPORTS, ( WITH XXXX, XXXX, XXXX XXXX XXXX ). 

BELOW IS PART OF THE ONGOING CLAIM CONCERNING MY CREDIT REPORT ... ... CONTACT " AFNI '' & MAKE THEM REMOVE ALL FRAUD CONCERNING XXXX XXXX XXXX ( XXXX : ENDING IN XXXX ) ; FROM ALL XXXX ( XXXX ) CREDIT REPORTS OF XXXX XXXX ... .ALSO WRITE XXXX XXXX A PERSONAL LETTER OF SORRY, TO XXXX XXXX, AS THEY LIED TO HIM, AS THEY TOLD XXXX XXXX, THAT ONCE " AFNI '' PAID THIS ( XXXX MOBILE CELL PHONE OFF ) ; THAT " AFNI '' WOULD IN FACT TAKE ANY & ALL NEGATIVE REPORTS OFF OF SAID, ( XXXX XXXX 'S CREDIT REPORT )! 

Also, make sure ALL XXXXCREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone XXXX off, via my ''XXXX '', in XXXX 2015 ... .for : $ XXXX. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX ... which they are yet to do. I have filed a Dispute with ''XXXX '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' AFNI COLLECTION AGENCY '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX Credit Agencies. I requested ' '' AFNI COLLECTON Agency '' to take this FRAUD OFF OF ALL XXXXCREDIT AGENCIES, & they ''AFNI COLLECTION AGENCY '', has ''NOT '' done this, despite THEM telling me that they would. 
So I would like to file a REPORT on ... .. '' AFNI COLLECTION AGENCY '' ... ... for ''NOT '' doing what they PROMISED me that they would do, ... ..***IF I PAID THIS FRAUD OFF***, THEY LIED TO ME!
This account was paid off and has continued to show late payments. The payments showing are still showing late.I spoke to the company and they stated they are NOT reporting it late.  ( I   'm not sure who is reporting it, but it is incorrect ).      CAPITALONE  Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened   XXXX   Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated  XX/XX/XXXX  Balance {$5300.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$5300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone (  XXXX  )  XXXX  Contact Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX  Ownership Individual  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Failed to pay DISPUTE GUIDE >
On XX/XX/XXXX I paid the entire balance on my credit card and I placed another order online on XX/XX/XXXX and JXX/XX/XXXX. Apparently, the order which I placed on XX/XX/XXXX was a fraud and after I find out it was a fraud 2 days later I called Chase credit card and told them the situation. I was told by their representative not to worry about it and not to pay that amount which is {$27.00}. The only thing I have to pay is for the second order I placed on XX/XX/XXXX which is {$84.00}. 

After I received my second order through the mail, I didn't like one of the item and went to the store and returned it. The store issued me a credit of {$31.00} and I saw on the credit card. Next thing I know, Chase deduct the {$27.00} and is telling me that I have a {$3.00} credit. I called them and ask them about the {$31.00} credit I got from the store and where the {$27.00} went. Now, they're telling me that I paid the whole thing which is not true. They're giving me the run around. They owe me {$27.00} from the {$31.00} they deduct it. I have proof of everything. On XX/XX/XXXX, I placed another order from XXXX XXXX for {$41.00} and since I have a credit of {$3.00} and plus the {$29.00} they took my balance is only {$9.00} which I already paid. But, they're still billing me for the {$27.00}.
I recently received a fraudulent collection letter from a " legitimate '' collection agency, XXXX, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.
I go to check my. Report on XXXX and XXXX has a debt of XXXX on my XXXX report I have n't had XXXX in years
On XX/XX/2018 someone obtained my identity. 
They opened a bank account with USAA FEDERAL CHECKING with {$10.00} and apllied for and was approved a credit card with a {$25000.00} limit. 
This person has already pulled {$4900.00} in cash off the card. 
USAA is disputing my claim telling me it is my account. 
I have never been in the military and you need a miltary ID to open an account with USAA.
I submitted this complaint back in XX/XX/XXXXand never heard anything from CFPB. I even called on several occasions. 

In XX/XX/XXXX a Sears representative came to my house to do a presentation to install ( 6 ) windows ( 1 ) entry door and ( 1 ) patio door. The presentation went well and all the paperwork prepared and my credit was ran through their ( Sears ) credit company. Everything went through and I was told my monthly payments would be extended out to avoid hardship and the monthly payments would be some where around {$140.00}. The first bill came in at {$3900.00} no interest charged ; which was explained at the time of purchase ( XX/XX/XXXX ). Mine you the contract to purchase the windows and doors were {$13000.00}. The first payment paid was {$80.00} on the {$3900.00} which should have been applied to the first invoice. All payments are paid at the Sears store in XXXX, MD. The second payment made was {$280.00} and the third payment was {$270.00}. It 's a mess.The XX/XX/XXXX invoice came in with a payment due of {$370.00}. Without my knowledge Sears ran my credit a second time through Citibank. I was never told the first pull was unsuccessful. I was billed for two separate purchases when only one purchase was made. I tried talking to Sears and Citibank as I was willing to pay the {$270.00} a month but they did not want to hear that or negotiate a lesser payment. Citibank wanted their {$370.00} monthly payment. I called Sears and was told since Citibank had paid the purchase amount in full Sears had nothing more to do with it. They washed their hands of the situation. I think Sears goal is to reel in their consumers through their promotions, run the consumers credit through their credit company and even if the consumer is approved through their credit company Sears still will run the consumers credit through Citibank just to collect their payment in full. Sounds like a scam in a great disguise. Very, very, very unhappy consumer.
This is a complaint filed again from previous complaint XXXX filed and closed on XX/XX/2018. Southwest Recovery responded that they do not have information locate credit file. Of course they do not because they don't have the correct spelling of my name, my accurate address or my correct full social. I am asking that they send me the valid copies of documents they used to verify this account before reporting this account to XXXX. I am enclosing the Notice to Furnishers I received from the FTC, the correct and true proof of my address and two copies from my XXXX  credit report showing this collection account. The account number that I provided in the previous complaint is as it is on my XXXX  credit file. They want me to give them my information, which they need to be giving me what they have on file to support this collection account.
A terrible decision caused my account to be gone forever from TDbank.A fraudster got my debit card information.There were unauthorized deposits and fake checks deposited into my account.The bank fraud department took too long in investigating.I did pay off what was owed but the bank showed hatred against me.I think they stopped the investigation.They may be also slandering me .I did not know what to do.I have been told that I am to get refunds from what was stolen even if it was done in an irresponsible way.The bank has to realize that I am no criminal.They also need to know that in this digitalized time banking information can be gotten by anyone.I want to know why they feel they do not have to follow the law and why they think I should pay for what happened.They also need to be questioned as to why they allow these fraudsters to keep stealing money from people 's accounts.The bank also insisted on saying that they do not care what happened and that I should have known better.I also want them to know how this made me feel.I had been with them since even before they became TD.Back then they were more responsible.They did work with customers on these problems.They advised on how to be careful with these problems.They are possibly trying to say that I conspired with this person who seriously damaged my account in order to steal from them.I am no criminal.I do not need theirs or anyone elses money to resort to doing such a fraudulent thing.They really do need to be called out on how they pretend to investigate bank fraud but really do not.It is due to this stress that I was not able to pay what was owed until my tax refund came through.I also want them to know that I am not the only one that this has happened to.It will continue as long as they allow the fraudster who they are aware of continues to do this as long as they are not caught.I have to say that they may be working with this fraudster.I had not received any help with payments from TDbank until a few days before they made some charge off and then claimed they gave me a credit.They allowed me to open a new account but then they closed it.They will tell me the results of what happened.I have the right to know that.
For the past 3 year Ad Astra Recovery Services has been trying to collect on a debt I do not owe them. I do not have a contract with them and when I have asked for validation of the debt they send me a copy of a bill from them no contract stating I owe Ad Astra Recovery Services nothing! They also have been reporting this account status as open instead of closed. That is a direct FCRA violation which entitles me to a least {$1000.00}. They have not nor are continuing to offer credit to me. The correct status should be closed. After 180 days that an account becomes delinquent the status should be closed. It has been 3 years.
I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. 

I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. 

This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. 

I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a message to call them to confirm my next payment.
What is this complaint about?

When applying for a car loan the credit report from Experian/XXXX is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX  to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

XXXX, Experian, and XXXX.

Who are the people involved?

Myself, XXXX.
Since XX/XX/2018, I have been trying to get this report accurate. EXPERIAN reporting practice is VERY Discriminatory. 

For example, they only report CREDIT LIMITS for negative accounts ( See attached ). THEY DO NOT report CREDIT BALANCES, CREDIT LIMITS, STATUS AND TYPES FOR POSITIVE ACCOUNTS. How are they able to do this pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I WANT THE CREDIT LIMITS, BALANCES, TYPE, AND STATUS ON EVERY ACCOUNT REPORTED ACCURATELY.
I went to experian.com to recieve my credit report. It showed that I would be charged {$1.00} to receive my credit report I was not told that I would be signed up as a paid experian member and would be billed monthly for services I did not know about or intend to use. I called experian to find out about these charges to my debit card and they told me that I should have read the fine print of the terms and service agreement. This is a scam. Experian does not notify you when your free trial is going to expire and you will be billed. They will not refund my money. Advertising that a credit report is {$1.00} and then signing people to be billed {$21.00} dollars every month without telling them is predatory and just plain wrong.
Afni is reporting a debt from XXXX on my credit report. I have requested this account be verified through letters to the Credit Bureaus, dated XX/X/17. This debt was removed from my XXXX report, therefore not verified, however it continues to come back as verified through XXXX. I have no knowledge of this account belonging to me.
They continue to call the office. They do not provide information and hang up when we ask for anything. They leave voice messages on the company line when we do not answer with no information just to call the XXXX number about an employee
On XXXX XXXX, 2017 I called PORTFOLIO RECOVERY in regards to settling the account # XXXX. My offer of {$300.00} was rejected. I was given instalment payment options instead. When I ask for statement, receipt, and/or paper recollection of such agreement, the representative refused and stated that the companys policy was that no paper agreement and/or receipt would not be issues to the debt was paid off. I found this strange that an agreement could be reached over the phone without a paper trail. Also, I asked them for proof that this agency acquired the debt form the original owner and was told no proof was necessary. This is strange practice that needed to report to CFPB. Please look into this matter as to why this firm has such strange practices.
I purchased XXXX  computer in XX/XX/XXXX at XXXX  store ... ... They offered me financing through Barclays credit card with 12 months at 0 % percent financing. I asked them what will happen after 12 months, they told me that they will start charge me an interest at that point.

Not once they told me or explained that they will also add all unpaid interest for the first 12 months back to my account. I only found out about when my credit card was declined as it became over the limit by over {$350.00}.

Barclays Credit added {$550.00} to my account in XX/XX/XXXX.

I called Barclay Credit card tried to explain this situation, but they refused to hear me out and refusing to reverse this charge. This is really misleading and they took advantage of me unfairly
XXXX hired Financial Asset Management Systems to Collect on a private student loan. Financial Asset Management Systems has repeatedly used deceitful collection practices to try and collect on the debt. I called Financial Asset Management Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. XXXX has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.
i am a returning customer that wants to open a new account & XXXX gave me a negative rating & i can not open a new account with wells fargo bank. i have no clue why?
An item not belonging to me ( XXXX XXXX Credit Card ) is showing on Equifax. I first filed a dispute on XXXX/XXXX/XXXX. I have since filed 4 more disputes. I have also spent hours on the phone with both XXXX XXXX and Equifax. XXXX XXXX shows the item as removed from my name and credit. They sent me a letter confirming this XXXX/XXXX/XXXX, which I forwarded to Equifax. Equifax is still denying the removal from their reports, stating that XXXX XXXX confirmed the item as belonging to me. XXXX XXXX is stating that they did not receive an inquiry from Equifax. Neither company will call the other and both blame the other, with me stuck in the middle. I keep being told to file another dispute and it will clear this time but I 've already filed 5 disputes. No other credit agencies shows this item as belonging to me, leaving me to believe the issue is with Equifax.
I had opted for a balance transfer through Citizens Bank last year with 0 % promotion to defray the high-interest credit card balance I carried with another creditor. I intended to pay off my balance with Citizens Bank but unsure of when the promotion will end so, on XXXX XXXX, I placed a call to the bank 's customer service line and was told that the promotion will end XXXX 2016. To my surprise yesterday Friday XXXX XXXX, I received a statement with a {$78.00} charge which made me to call the toll-free line and the customer service representative I spoke with said " The promo expired in XXXX but there 's a new one that you can apply for ''. I felt very XXXX, taken for a ride and ripped off as this guy was so belligerent and would not listen to my point that someone had told me on XXXX XXXX that the promotion was good through XXXX 2016. Rather, he continued saying " Do you have a letter to the effect that the promo ends in XXXX? '' This is gross misrepresentation, deceit and fraud of the highest order and this company has to face the music.
This compliant is being filed on behalf of the lender against the servicing company Mills Escrow Company in XXXX XXXX Texas. 

We have several notes being serviced at Mills Escrow Company. 

XXXX XXXX XXXX sold a note to XXXX XXXX and we notified Mills Escrow on XX/XX/2018 that the note had been sold and they already have existing accounts for XXXX XXXX so that he was going to continue having them serviced at Mills Escrow Company. 

I sent several other emails in XX/XX/XXXX and XX/XX/XXXX and as of yet they have not transferred the account continue to to send us payment when we are no longer the lender and first payment was posted in correctly making the principal balance not correct per the amortization schedule. 

We have filed a complaint on two other issues with the with the Department of Savings and Mortgage Lending but were told that they could not handle our issue we would have to file a complaint with your agency.
National Credit Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XX/XX/2018 a {$640.00} debt to A.R.M. Solutions ( that should NOT have been owed!!! ) was paid off in full. However, I am still receiving between 5 and 10 phone calls per day from them and each phone call tells a different amount that is owed!!!! 

XXXX XXXX is the problem too!!! They have not communicated that the debt was paid off. Furthermore, the reason the collections started in the first place was because XXXX  XXXX was SENDING THEM TO THE WRONG ADDRESS! I have received terrible customer service from XXXX XXXX. And multiple problems from the get-go. 

Please investigate XXXX XXXX and A.R.M Solutions!!!! 

Thank you, XXXX XXXX
Have been trying to obtain verification of debt documentation since XXXX 2014. Bank of America has not provided anything, neither has their attorney. It has been XXXX months and this account si damaging my credit. There is no one to talk to regarding this debt.
On Sunday, XX/XX/XXXX- I tried to order the XXXX XXXX fight via XXXX XXXX. It was a world wide problem with streaming services and fight, they literally delayed the fight because so many could not watch it. I tried to order on XXXX and it never gave me the option to watch the fight - only to keep renting it. I was on the phone for 45 minutes on hold with XXXX tech support, never reaching anyone ( which they acknowledged since high volume that night ) I gave up. 

I find out that i was charged for the fight. I contact XXXX and they say they are not offering refunds on XXXX and to dispute it with my bank. I dispute the charge with Citi, under advisement from XXXX themselves. Citi sides with XXXX and will not be refunding me. Neither party can answer how I was charged for a service that could not be delivered and neither party will be giving me my money back.
I 've sent numerous disputes to Equifax and each time it 's the same old thing " We find that the information is correct '' or " the information has been update '' showing nothing more than an 'I ' dotted or a 'T ' crossed. These are judgements that are ruining my credit and Equifax feels they do n't need to verify which they really do n't anyway. They check with what XXXX XXXX has and goes off of that even though XXXX XXXX has incorrect information XXXX times over. When someone has had enough they are n't going to be taking XXXX XXXX to court, it 's going to be Equifax. None of these judgements are recorded judgements. I 've gone to the courthouse many times ( small town ) and these judgements were never recorded and do not show up as recorded judgements. The number on the credit reports for the courthouse are not even working phone numbers and I was told by court employees that they have never spoken to, let alone verified, anything with the credit bureaus so I would like the name of the person you spoke to, the address and phone number so that I can enforce legal action for reporting false information about me. XXXX and XXXX deleted so I 'm really interested in what Equifax knows over XXXX and XXXX that they can verify unverifiable information. One of the judgements has my name as XXXX. I 'm a lot of things, but I 'm no XXXX. Last XXXX of accounts : ... XXXX, ... XXXX, ... XXXX, ... XXXX, ... XXXX. I 'm just so tired of fighting something Equifax does n't even bother investigating.