WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my XXXX dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my XXXX report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.
prior to XX/XX/2018 i had recieved several robo calls from amsher collections then from XXXX XXXX XXXX XXXX. finally after 5/6 times of telling XXXX XXXX not to call me the calls stopped. i did not give them permission to call my cell phone. i did not give permission for amsher collections nor XXXX XXXX to give my personal information to personnel i do not know. 

amsher did not tell me they were putting the alleged debt on my credit report. i disputed the debt and it was not removed. 

Prior to XX/XX/2018, representatives from XXXX XXXX XXXX XXXX has threathen to sue, garnish wages and bank account. 

prior to XX/XX/2018 i tried to make payment to XXXX XXXX but they wanted to charge me a XXXX fee for using my credit card. i called yesterday and made a payment under the condition the collection will be removed from my credit report. the XXXX XXXX representative stated the collection will be removed.. he said i had to call amsher collections amsher collections said they will report to the credit bureas but collection will remain. XXXX XXXX said collection will be taken off. i told amsher i only made payment as a condition of removal.
I was paying out a credit card with a balance of {$580.00}. It suddenly had an increase of & gt ; {$200.00}. I told them it was incorrect, but they refused to listen. This is a Best Buy credit card issued by Citibank , N.A . They are now calling my work about 10 times a day. The front office worker is getting very upset. Everyone has told them to stop calling, but they wo n't. This is serious harrassment.
I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from XXXX stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. 
XXXX XXXXThis company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.
Dillards department stores identity theieves and interest rates and settlements and adjustments to accounts that are false to XXXX cards in XXXX center
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Credit Protection Associates. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
XX/XX/XXXX I had a chance to review my XXXX credit report via XXXX XXXX.On it I noticed an error. I saw that I had a Jared account on my credit report in which I do but it is not the right account infromation that is on my actually Jareds bill. I disputed several times by certified mail due to this incident and sent it to XXXX. XXXX says its right then says that Jareds has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called XXXX and Jared to correct the account information. My Jareds account number is XXXX. Yet the XXXX account still remains.
Dear Sir or Madam : The servicer for our mortgage, Ocwen Loan Servicing, LLC raised our mortgage payment {$230.00} a month beginning XX/XX/XXXX. I called Ocwen at the beginning of the month and asked why. The representative said our property taxes went up ; however, our property taxes have not increased {$230.00} a month. 

We have owned our home in XXXX XXXX county since XX/XX/XXXX. We paid {$680000.00} for the home. Our annual taxes are {$9900.00} and Ocwen has increased our escrow fees from {$790.00} to {$1000.00}, which does not add up. Paying {$1000.00} a month for property taxes equals {$12000.00} for property taxes for the year. 

According to the escrow papers sent to us by Ocwen, we have a projected cushion of {$1500.00}, yet Ocwen wants us to pay {$2900.00} or {$230.00} a month this year to our escrow account. 

We need a clear explanation for these charges. When I call Ocwen, the representatives can not explain this increase so it makes sense.
So XXXX is reporting negatively on my credit report. Got in contact with TransUnion and told them that this company is n't to be trusted due to the inconsistency with this account. I filed a complaint with CFPB case number # XXXX against XXXX. on XX/XX/2016 they finally responded on XX/XX/2016 stating that they need a few more days. Today XX/XX/2016 is the 61 day and they have yet to respond. I want this account removed from my credit profile immediately. I do n't have another 60 days for the credit bureau to reinvestigate. Everything that they need will be uploaded with this complaint. If the credit bureau ca n't get this item removed within 15 days of receipt of this complaint I have no other choice but to file litigation against them. 
Per Section 611. Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information 1. Reinvestigation Required - If the completeness or accuracy of any item of information contained in a consumer 's ( applicant 's ) file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
I requested to have the debt validated, documents were provided but some of the documents were modified, some of the documents are showing due dates of XX/XX/XXXXwhere others are showingXX/XX/XXXX I  called the original creditor at XXXX and spoke with XXXX in XXXX XXXX who informed that the debt had been charged off. 

From my understanding if a debt has been charged off it is not collectable by a collection agency.
This complaint is against XXXX XXXX. I have multiple accounts with them and they have lowered all of my credit limits. 
I havent had any 30 Day lates with them and they have done this.
CitiBank recently closed XXXX credit card accounts sending me a letter saying " we are not a fit '' because I did not use the accounts. My XXXX score is XXXX. Today I applied for a Citi Advantage Card, and was denied.Why is Citi shutting down my credit when my score is the highest it has ever been, and my debt is the lowest it has ever been? I am obviously a good credit, and I worked for the bank for over 5 years!
THIS IS AN EXTENSION OF CFPB COMPLAINT  XXXX   American Express is   working on getting the money  XXXX  from my bank. I have authorized release of the funds. on  XXXX  -17 the y deposited the funds in my bank and I authorized release the day I found that they had done this. After several calls the finally understood the money was theirs. They say the do n't know how to get it back. I have told them and they have done nothing.  XXXX  is the person working on the previous complaint mentioned above. He called  XXXX  -17 a nd said he understood the problem and had reached out to banking to recover the money. He said he was told it was easy and it would be done soon.  XXXX  -17 AMERICAN EXPRESS C LOSED MY ACCOUNT after talking with  XXXX . They show the money that they ca n't seem to recover as money I owe them and have sent reports to the credit reporting services stating I am over my {$10000.00} credit limit because they have not ( as a bank ) tried to get the money from my account and are holding me responsible for them not doing their jobs. I have called them and explained the process to recover the money and they want me to write a check on their money and show ownership of the money. My bank has reported the deposit of amex money in my account to the IRS as required. I ca n't get them to take it back and it looks like it is my money and they have closed my credit account because they will not do their job.   This is not part of the original complaint and can not be addressed without another complaint
I have a XXXX card with XXXX XXXX. I paid my account on time and I also linked my bank account to my account. They suspected fraud on my account I called and verify myself no answer spoke to customer service rep they told me they was waiting for my payment to post, my payment posted ( XXXX XX/XX/2018 XXXX XXXX XXXX ( ending with XXXX ) Online Payment $ XXXX ). They told me they will forward it to so many departments. They block my card, I have no access to my card and I have to make biweekly payments to them. The fraud dept told the customer rep to black list me because of fraud. I applied for this card and had this card for over two months and paid on time and out of air the fraud department said I am a fraudelent person.
XXXX XXXX sent formal dispute letters to state formally I dispute all negative accounts on my credit report. XXXX XXXX sent more letters which required all negative accounts to be removed because the negligence to report correctly as stated in the Fair Credit Reporting act and negligent to provide me with any verification of admission of debt. It has been passed 60 days since my first letter and yet been able to remove negatives from my credit report thus breaking the law.
Collection agency is the third party. Thbis account was with XXXX XXXX XXXX, I called XXXX XXXX XXXX and they informed me that my account was deleted from XXXX reporting credit agencies, however Collection agency took this account and reported to my credit bureaus withot verifying the debt as required by FDCPS. I called and asked the collection agency to provide me some information to validate the debt and they have not validate it as yet.
relate to reference # XXXX false accusations due to I closed my checking and savings account with Wells Fargo in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out XXXX had a Lien on my property, I called and asked XXXX the reason of the Lien, agent told me Wells Fargo sold my account to XXXX XXXX in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for XXXX and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from XXXX AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with Wells Fargo in XX/XX/XXXX, same year Wells Fargo was under investigation by the FDIC with Fraud and embezzlement.
I originally had a high-interest personal loan with Rise Credit, and, after repeated attempts to get Rise to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to XXXX XXXX XXXX. I received multiple calls from XXXX XXXX XXXX and on XXXX XXXX, XXXX, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box. XXXX has since ( i.e., XXXX XXXX, XXXX ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, XXXX at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, XXXX, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, XXXX, at XXXX XXXX. and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations. The specific information regarding XXXX XXXX and this organization is as follows : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX
I have been in contact with TransUnion , LLC in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and Merchant Credit Guide by certified return receipt back XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that TransUnion , LLC did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from TransUnion , LLC to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with TransUnion , LLC, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!
Dear Gentle People at Consumer Financial Protection Bureau I was referred to you and read the article about CFPB and student loan unsavory practices. I made a lump sum payment ( XXXX ) to XXXX XXXX in XX/XX/XXXX, " students making a lump sum payment toward the principal are discovering that companies servicing their loans are making it harder to save money on interest charges. '' I recently discovered this with my student loans. 
My loans are started in XX/XX/XXXX for my XXXX degree to my XXXX in XX/XX/XXXX. My loans were under XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and then transferred to Navient. 
XXXX XXXX has no record of my loans or loan payments at all!! 
I applied for the Public Service student loan reduction payment plan with XXXX XXXX in XX/XX/XXXX. 
Navient stated I would have to reapply and start the program over! 
Navient only has records going back to XX/XX/XXXX. 
Whatever you can do to help would be greatly appreciated! 
Respectfully submitted,
I received a copy of my credit report and it showed a Public record on it when I followed up on it I found out that this is not my debt and it now its on my credit reports. When i contacted the  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX , all he said was that he does not report to credit bureaus so there was nothing he could do. He filed this suit with the wrong social security number and now i have to pay the consequences on something that is not mine. He should contact the court that he filed this in an either withdraw or amend this. I want this off my credit reports.
COLLECTOR KEPT CALING ME FOR XXXX XXXX XXXX AND IS COLLECTING ZOMBIE DEBT THATWAS SOLD TO XXXX XXXX XXXX AFTER THE SOL EXPIRED.
I received several voice mails regarding a debt I owed. I ignored them because I do n't have any debt. Anything outstanding was discharged in bankruptcy several years ago. Today I received a call from a man stating I had an outstanding debt with XXXX and they were going to take me to court over it. He then asked me to forward him to our payroll department. When I declined he said he would be faxing them. I asked for his name and the name of his company and to send any debt information to by mail. He declined. He hung up. I called back and spoke with a XXXX XXXX. I again asked for the name of the company. I was told Lexington Law XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX would not send me any information on this debt either. He told me the debt was for XXXX. I told him I did not owe any debt and among other things he called me a " deadbeat debtor ''. This is unacceptable.
I have a charge account with Kohls which I use occasionally and always pay in full. Therefore I do not receive a bill every month. 

I also subscribe to a credit monitoring agency which notified me in XXXX that Kohls had reported a late payment. Since I had not received a bill since approximately XXXX, and did not recall charging anything I called Kohls. 

They informed me that a bill had been sent by mail in XXXX and returned. They made no attempt to contact me by email, even though they send me emails every day and still do to this day offering sales. I was also told that attempts had been made to call me by phone. When pressed they stated that the call was from a debt collector. I explained that my phone blocks such numbers. 

I asked that they send me the bill and that if it was mine I would pay. I did not receive anything. I called again on XX/XX/2018, and was assured that a bill would be sent, and the negative report removed from my credit report. 

Despite this assurance another negative report was filed and still have not received a copy of the alleged bill. 

I want them to ( a ) provide me with a bill if it exists ; ( b ) remove all negative reports from my credit report ; and, ( c ) remove any late fees
Contacted XXXX  three times now. Regarding the open status shown with my captial one credit card. It was closed last year with my Chapter XXXX bankruptcy. It still shows open over a year and a half later. Regardless of multiple contacts I've made to XXXX  and Capital One. Neither company has taken action to correct it, although both have made promises to do so. This is a clear violation of the Fair Credit Reporting Act.
Bank of america closed my XXXX accounts without any warning or anything. XXXX has been open since XXXX and other since XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these XXXX accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't matter.
transunions report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.
They were very rude, would n't accept any good gesture of payment and got ruder when I tried to work with them. I called XXXX times, none of them said they were the person in charge XXXX. when I called to pay, she stated I talked with her several times. I explained how rude they all are. I told her to collect a debt they do n't have to belittle people. My husband has XXXX XXXX, they called his phone XXXX times a day. They put his name on the bill, even though the original bill was not in his name. They Kept repeating how legal action was about to be taken, told me to " hurry '' when I told them I was trying to get something together because then we would have to pay legal fees. Never once being nice or tried to work with me. I know they have a job to do, but they do not have to be rude and aggressive.
XXXX XXXX recently raised my interest rate from 7.25 % to 7.5 % without notice, explanation, or legal authority. Please investigate this illegal conduct. 

XXXX XXXX XXXX