WillisBack/dataset-financial-user-claim huggingface dataset:
I am disputing accounts that I know are not mine. The dispute process is a complete waste of time since they do not do anything to confirm the debt except ask a computer from the company reporting if the information is correct. This is not a proper way to verify anything and if they are complying with the laws then the laws need to be changed. I have XXXX collections on my report and both of them should be removed yet they wo n't make the companies involved prove anything but yet they continue to lower my credit score because of their inability to verify the information.
XXXX from XXXX XXXX keeps calling me at work after I told her numerous times to stop, including an email. She tells my employer that I need to pay my payday loan off. This is embarrassing and causing problems at work.
Rausch Sturm calls my house daily and has for the past few months about a debt that I do not owe. I have called them back multiple times and they claim my home phone number is not listed so they can not fix the issue.
I had a  XXXX  account many years ago and closed it down. I was given some charges after the fact without notification. They sold it without notifying m  e to Jefferson Capital Systems. After that, interest began to accrue without my knowledge. It grew to {$310.00} as of 3 days ago when I found out about it on my credit karma report.
It has been over 3 years since they filed it. I 've never received a call or letter. I also ca n't contact Jefferson Capital Systems. Their online site only solicits messages from corporate interests and ignored my messages. I 've tried to contact them through any # or email or site I could find, but it is impossible.
I 've never had an otherwise unpaid payment as per my his  tory. I had a student loan which I paid in full before the end of graduating, so I do n't want this to have a negative effect on my limited credit
I received a letter from Enhanced recovery regarding an alleged debt dated on XXXX. I responded to the letter asking for validation of the debt, I have attached the letter and copy of the tracking receipt. I have not received any validation to date but today I received notification on my credit report that the debt was reported. This is clearly a violation of federal law and a blatant of the Texas XXXX code. I will also file a complain with the Texas State attorney general 's office.
I requested debt validation over 30 days ago with no response from Mechants Credit Guide. They have reported this item to my credit report and I believe its not valid
I was working with my lender Nationstar for a loan modification up until the last few days before the foreclosure trustee sale. I spoke with many representatives with Nationstar up until the day of the sale on XX/XX/2016 and was asked to send in additional documentation in which I did. However on XX/XX/2016 they proceeded with the sale and my property reverted back to the beneficiary. I am not sure why the proceeded with the sale when I was in review and being asked to send in more documents, I feel I was treated unfairly and not being properly reviewed or sent to the correct department to escalate my file due to the urgency of the sale.
I was traveling in XXXX from XX/XX/2018 through XX/XX/2018. While there i used my Capital One Venture card exclusively for many purchases. I am very careful with my spending and keep a close eye on all purchases. Due to internet limitations on this trip i was not able to check my statement until returning home to the United States. When i got home i discovered 3 fraudulent charges totalling over {$3500.00}. They all had unrecognizable merchant names and said " dining ''. I have never spent over {$50.00} for a meal let alone anywhere near {$1900.00} as one of the 3 charges showed. I filed a fraudulent claim with Capital One. They removed the charges, and then over a month later i received a later stating they determined the charges were not fraudulent, and if i had any new info to contact a phone number. I called this number during business hours 8 times. Every time it went to a busy signal. No voicemail, no message, just a busy signal. So i called the general fraud line and they agreed yes it is a busy signal and they don't know why, but they will leave a note someone to contact me. At this point I noticed the charges had now re-appeared on my account. After several days i received a voicemail, and called them back the next day, this time actually getting through. I spoke with a representative and they have removed the charges again and say they are re-looking into the fraud. My main issue here is a few things ; 1 ) The  system for contacting the agent investigating your case is horrible. There should be a voicemail or at least a message of some kind, not just a busy signal. 2 ) I have not been given any proof of how they are determining that this is fraud. They say they can't read the receipt because its in XXXX, and are simply implying its all legit because the card has a chip. 3 ) Its extremely obvious that something is amiss as the address, names, and amounts of the charges are all suspicious. I will also add that the other person i was traveling with also had fraudulent charges on his card ( although it was XXXX ), and his case was immediately handled and he was not responsible for the charges. The 3 charges are for {$1900.00}, {$1000.00}, and {$480.00}
MY FIRST COMPLAINT IS ABOUT THE AMERICAN EXPRESS CHARGE CARD THAT I HAVE. I WAS TOLD THAT I DO NOT HAVE A FIXED LIMIT BUT EVERY TIME THEY REPORT MY BALANCE, THEY DO NOT REPORT THE TOTAL BALANCE THAT I HAVE PAID OFF. I PAY THEM EVERY MONTH IN FULL. THERE IS NO WAY I CAN NOT PAY AND STILL HAVE THE ACCOUNT. WHY THEN IS IT THAT EVERY MONTH THEY FAIL TO REPORT TO CREDIT BUREAU THAT THE ACCOUNT WAS IN GOOD STANDING AND FULLY PAID OUT? THEY KEEP REPORTING LIKE I OWE THEM. AS AT TODAY I HAVE PAID EVERYTHING IN FULL, WHY DO I NOT GET CREDIT FOR MY PAYMENTS. XXXX  AND OTHERS CONTINUE TO REPORT THE TOTAL AS PART OF MY BALANCE, MAKING MY BALANCE TO JUMP UP AND THEN MY TOTAL UTILIZATION SKYROCKETS PUTTING ME AT A VERY LOW LEVEL IN CREDIT WORTHINESS AND AS A RISK. I HAVE HAD THE AMEX ACCOUNT FOR SEVERAL MONTHS AND HAVE BEEN PAYING IT CONTINUOUSLY THEY NEED TO REPORT THAT. THEY NEED TO STOP MAKING IT LOOK LIKE I DO NOT PAY BILLS, EVER! THEY NEED TO REPORT MY ACCOUNT ACCURATELY. THEY ALSO CLAIMED RECENTLY THAT BASED ON XXXX   REPORT MY ACCOUNT WILL BE DOWNGRADED. THIS REPORT BY XXXX  WAS INACCURATE AND I HAVE MADE A COMPLAINT SEPARATELY ABOUT THE EFFECT OF THIS INACCURATE REPORTING TO SEE THAT THEY CAN AMEND IT, BUT THIS HAS NOT HAPPENED. THE HARMFUL EFFECT OF THIS ACTION WAS THAT AMEX NOW USED THAT INCORRECT REPORT TO DOWNGRADE MY AMEX CHARGE CARD WHICH I VEHEMENTLY DISPUTED, BUT AMEX AND XXXX  HAVE REFUSED TO COMMUNICATE WITH EACH OTHER ON THIS MATTER AND CORRECT THE WRONGFUL INFORMATION WHICH WAS BASED ON A DELINQUENCY BY A MERCHANT- XXXX XXXX XXXX. THIS ERROR HAS BEEN REMOVED FROM MY CREDIT REPORT, BUT AMEX CONTINUES TO USE THIS INFORMATION TO DOWNGRADE MY ACCOUNT PRIVILEGES. IN ONE INSTANCE IN XXXX, I REQUESTED TO PAY A BALANCE OF ABOUT {$200.00} THE NEXT WEEK AND I ASKED IF THIS WAS OKAY, THE AGENT TOLD ME BECAUSE OF MY EXCELLENT PAYMENT HISTORY THAT IT IS FINE, TO MY SHOCK, WITHIN A FEW DAYS, IN FACT RIGHT BEFORE I PAID THAT BALANCE, THEY HAVE ADDED THAT I MISSED A PAYMENT AND THAT I WAS NOT FULFILLING MY DEBT OBLIGATION AND SO MUCH MORE, AND SENT OUT THIS INFORMATION AS IF THEY DID NOT SEE THAT I ASKED THEM IF IT WAS OKAY OR NOT AND THAT I COULD PAY IT ANYHOW, AND I WAS TOLD IT WAS FINE BY THEIR STAFF MEMBER. THE QUESTION IS, DID THIS STAFF MISREPRESENTED THE INFORMATION? DID HE LIE TO ME? DID HE DO WHAT HE WAS SUPPOSED TO DO BUT THE INTERNAL REPORTING SYSTEM WAS NOT EFFICIENT? THIS IS IRRESPONSIBLE BUSINESS PRACTICES AND SHOULD STOP. THEY NEED TO TREAT CUSTOMERS WHO ARE IN GOOD STANDING WITH DIGNITY AND RESPECT. 

MY SECOND COMPLAINT IS THAT AMEX HAS REFUSED TO INCREASE MY CREDIT LIMIT DESPITE MY EXCELLENT PAYMENT HISTORY EVEN IN MY CREDIT REPORT. THEY TOLD ME THAT THIS WILL BE POSSIBLE IN THE FIRST SIX MONTHS OF GOOD USE OF THE CHARGE CARD AND OTHER CARDS BUT THEY HAVE NOT DONE SO. 
INSTEAD, THEY DECREASED MY LIMIT ON THE CHARGE CARD LAST MONTH FOR A FLIMSY EXCUSE WHICH I DETAILED ABOVE.
Two inquiries on my Transunion credit report was unauthorized by me and I would like to have these inquiries removed immediately based on the federal fair credit reporting act. 

XXXX XX/XX/2018. 

XXXX XXXX XX/XX/2018 XX/XX/2018
i pay {$220.00} dated XX/XX/07; 2018 for company name XXXX XXXX XXXX referce id XXXX this itam alradey my credit report for colection itam pl remove this thing thanks XXXX XXXX
When attending school, the financial aid department applied for a student loan each semester. This has caused me to have 12 separate student loans with XXXX XXXX XXXX XXXX. When I make a payment to Navient, I make one single payment, also when I check my loan balance, I receive one balance. However, I missed one payment in XX/XX/2016 and it shows 12 separate missed payments on my credit report due to the way that the schools financial aid and loan company have set up my student loan. This is now causing me a lot of issues and hardship when trying to purchase a home or even find a rental home. I feel that this way of reporting is unfair. I did not miss 12 separate payments as it appears on my credit report, I missed one single payment. I have contacted Navient and the informed me that " this is just the way that we report to the credit bureaus and there is nothing we can do about it ''. I am seeking assistance getting this resolved. I feel that if I file a dispute, the loan company will just send proof of the 12 separate loans to the crediting company and my dispute will be thrown out. 

Any help will be greatly appreciated. Thank you.
In XXXX of 2015, when I opened by bank statement I found that {$38000.00} had been removed without my knowledge or permission. Since that date, I have received from USBank just over {$6000.00} in the electronic checks that were fraudulently removed but still have a balance owed to me of {$26000.00} of which no one will tell me of a potential date to be made whole. Last time I filed a complaint with cfpb I did receive a reply from USBank stating they were sorry I was unsatisfied with progress but they will continue to plug on. It has been 10 months with really no progress, or communication other than the response to the inquiry from CFPB. I wrote to the same person who wrote to me again with no response. I have called and will continue to call their fraud line for any update but none seems forthcoming. If you could once again request that they update me I would be appreciative. I look forward to some kind of progress with this loss. OR if you or USBank could suggest a way to assist in this recovery.
Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/2017 Date sent to company : XXXX/XXXX/2017 Product : Debt collection Issue : False statements or representation This case was closed because Focus responded to your inquiry. It should be reopened as Focus is deliberately misrepresenting the debt. As noted in their response to you, they claim a {$500.00} debt to XXXX. In another response to me directly, they claim a {$500.00} debt to XXXX XXXX ( again for an account I 've never had ) and had XXXX XXXX Collections try to support that claim. A return letter was sent to XXXX XXXX pointing out the obvious errors in their claim, including a different last name.
XXXX XXXX XXXX representative XXXX XXXX XXXX again lists the last name as XXXX in her response to CFPB though that last name was sent to us in reference to XXXX XXXX XXXX claim. The fact that two different companies claim the same dollar amount from one XXXX ( who is obviously not me ) and both Focus and XXXX filed claims against me show obvious collusion, misrepresentation and fraud on behalf of both collection agencies and their partner " companies. '' Consequently, I ask that CFPB intervene on my behalf as well as all like consumers. Based on my online review of Focus and XXXX, I believe them to be predatory and fraudulant in general and certainly in particular to my case.
I have been working with Bank Of America since 2010, first trying to get a XXXX Loan Modification for my mortgage, then, most recently, trying to complete a Short Sale. I was denied a XXXX Loan Modification because the Bank claimed that my so-called " Back End Debt to Income Ratio '' was over 55 %. This was patently false, and I calculated that Ratio to be 32.01 %, well under the 55 % threshold. But the Bank would n't listen. Years later, they insisted that I now do a Short Sale on my house. Well, I have a buyer, and BOA accepted the buyer 's bid, but now XXXX is blocking the Short Sale, insisting on full foreclosure proceedings. XXXX Case Number XXXX.
My name is XXXX XXXX with XXXX. I have been hired by the sellers to help facilitate a short sale on their behalf. I have been working diligently with PHH Mortgage on getting them the docs they need to get this moving however for the last 3 months the file has been stagnant. Not even the negotiator from PHH can tell me what is going on. All I hear is it is with the investor. The sellers are upset, the buyers are losing hope and the agents are furious. 
It seems PHH Mortgage is keeping this loan for some reason and does not want it to have a short sale.
I received a letter stating I had until XXXX/XXXX/XXXX to resubmit my information for XXXX through XXXX. I lost my job last year and have been doing contract work since and created my own XXXX as a XXXX, so I had questions as to how to report my current income given I do not even make half of what I made last year. I called customer service and submitted exactly what they told me to submit on XXXX/XXXX/XXXX. I faxed the documents as well as sent them in the mail on XXXX/XXXX/XXXX. I received a letter stating more information was required and my bank documents were not enough as I was previously told. I immediately sent in what the next person told me to send in which was a letterhead from my XXXX stating this was my business that I own and I pay myself. 
I received a denial. I called and was told this was because I stated " sole proprietor '' and not business owner on the letter. I asked exactly what does the letter need to state because I could not afford the payments of almost $ 1600/month when I am a XXXX mother and only bring home about $ 3500- {$4000.00} a month. I was then given an amount of $ XXXX. I questioned this as this was more than the 15 % I was told my payment would be. I called again and emailed. I was told I was denied again and my payments would be based on my income from XXXX when I made almost three times the amount I do now. 
I called and spoke to another representative. XXXX now told me I had to resubmit my application entirely in order for them to recalculate their mistake. As soon as I did, XXXX stated my application was now late and added {$20000.00} to my balance. They finally fixed the calculation after weeks of phone calls and begging for someone to listen to me. 
XXXX finally calculated my payments correctly based on this years income and not my previous job from which I was laid off, but not before demanding one inflated payment due right before XXXX. I am a XXXX mother of XXXX children and I have only made {$900.00} this month due to insurance company delayed payments from the patients I see. I XXXX XXXX XXXX XXXX XXXX and that business has died because I XXXX XXXX XXXX XXXX in which no one knows what is happening to that any longer. There is no way I can skip paying my electric and house payment in order to pay a loan payment that never should have been calculated so high to begin with. The calls are recorded and they have proof I did exactly what I was told to do by them. 
Each representative told me something else. They made the mistake and are now trying to exploit money out of it. They are holding my credit hostage too. I have good credit and now it will be ruined because I literally can not make the inflated payment they are demanding due to their miscalculation.
My husband and I both have direct deposit of our paychecks to our checking account. We are very strict on our spending and record keeping. So when we use our debit cards or write a check, we know how much is in our account from not only the check registry, but our online banking. Except in the last 6 months we have ended up with over {$2000.00} in overdraft fees. When I inquire about it at the bank, I am told the reason is that when we use our cards, it puts a hold on that amount of the money in our account. Then when it clears, if there is not enough to cover it, because of the pending amount they are holding, we ars charged an overdraft fee. How is this possible if the money has already been set aside for this item that was pending? Example : my husband 's paycheck was {$500.00}, and we spent {$350.00} out of that using our cards. We should still have {$150.00} left in the account. Except our bank says we are over drawn because they put a hold on that {$350.00}, so therefore when those pending items clear there is no longer {$350.00} in the account to cover those pending items. How is this possible if they have already put that money on hold? This happens frequently anymore and it has cost us quite a bit of extra money in late fees, because we end up having to hold off on bills because our paychecks are gone as soon as they hit the bank account, just pay off the overdraft fees. Please help us, as we are drowning now in financial debt because of this bank. And are unable to switch to another one, because they show up on any chex check that is done, in order to open another account.
Refer Western Union MTCN XXXX Money was transferred in someones account in XXXX using my email id. I 'm a resident of XXXX, and an amount of {$380.00} including transfer fees was transferred by someone in XXXX, USA on XXXX XXXX 2017, XXXX XXXX. IST. I have never registered with the Western Union and someone has fraudulently used my email id for the money transfer.
this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b Transunion also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX was notified the same as Transunion. 
FCRA section 611 ( a ) ( 1 ) ( a )
After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an  officer  of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.
Company continues to bill wrong account which generates " insuffient fund fees '' for them and the debited bank. Attemped several times in XXXX and XXXX to change the account on-line but the company claims to have no record of this action. A telephone conversation on XX/XX/XXXX revealed they had the correct account number ( last four digits ) but continued to submit billing to the account from the origination of the loan. Furthermore, the company claims to have submitted billing to the account on file but, but the bank stated no billing occured. I've incurred NSF fees from the mortgage company and the debited bank plus probably negative comments to the credit unions.
I have been receiving phone calls about 5 per day all of them have a representative that gives me their name then demands that I verify information before they will give me any information. Today XXXX2017 I had to ask the representative twice before the representative said she was from ERC an accounts receivable company but would not tell me what company she was trying to collect with. I told her to mail me info to whatever address they had on file. I refused to give my personal information to them because I do not know who this company is or what they want since they refuse to tell me why they are calling. I want the calls to stop. If I owe money I want something in writing that I can dispute but I wo n't verify anything or give any info to a company that does not identify who they are and why they are calling. ERC is harnessing me and trying to get info under false pretenses by not telling me who they are and what they want.
My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that midland funding did not report this to you but a data Minor did there is a not a court in the country that verifies the stats of a Judgment. I called the Circuit court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka A data Minor the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds
My loan payment was raised by {$130.00} dollars with no written notice by Discover Student Loans. 
They are unwilling to work with me to reduce my payments, & say that if I do n't make full payments they will report me to a credit company. I always make my payments on time. 
They have withdrawn funds my checking account without my consent & they admitted to doing it. 
I am having so many issues with Discover Student Loans.
think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like wells Fargo to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EQUIFAX XXXX XXXX XXXX XXXX GA XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX