WillisBack/dataset-financial-user-claim huggingface dataset:
I ordered a pair of jeans from XXXX and returned them. The company refunded the amount of the jeans but continued to charge a monthly fee. I sent an e-mail requesting this account to be closed 3 months ago. The company continues to charge fees and reported to the credit bureau that I was 90 days delinquent. I have written a complaint to the company, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH. XXXX. This account is still open and reporting a delinquency to the credit bureaus.
I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of Capital One bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company capital one sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.
Initially, I went to make a purchase through XXXX that subscribes to a service called Verified by XXXX, to complete the purchase you must provide your password, which I entered, and entered again and again and it was n't accepted. I then tried to reset the password and provided all the needed info, again multiple times, each time it was rejected. Since it was declined, I went and purchased the items elsewhere on a different card. Then I find that they went ahead and completed the transaction even after all the rejections and telling me I was providing wrong info. I then sent a message to Compass Bank through their on-line banking system, which they deleted. Sent another message about it, and have continued to send messages daily to the bank for a week now. Each time I send a message, I get a response stating they will try and respond within one business day, it is now at XXXX messages and not a single response. Have a feeling they want me to call and deal with this over the phone as that provides them with deniability as there have been other issues in the past. i.e. I signed up at Compass Bank under an offer that was mailed to me which promised free checking for life. A couple years later they changed this and started charging me, when I challenged them on this, they asked for a copy of the letter, my reply was that they had attached it to the original paperwork opening the account. I then called another branch and asked if they maintain the original paperwork on accounts and was told yes. I then proceeded to the original bank branch and told them I had been told they maintain this paperwork, they replied 'yes, it 's a banking requirement ', but then I provided my ID and lo and behold, my paperwork had vanished ... ..and of course no offer was made to attempt to find it. Will add but a few of the screenshots showing that the messages have been sent acknowledged and ignored
I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit  bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation  request, then they have essentially admitted, per XXXXexas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
I keep getting calls from various numbers every so often ( over the last 4 years ) they will call under a different name and with threats from a public server that I will be served at home or work withing 24 hours. They have also contacted my ex-husband and mother-in-law continuously.. when i ask the name of the company and address, they give me nothing but today a person named XXXX XXXX called and said he will serve me within 24 hours. I am not sure if this dead debt is being tossed around to several collections companies every so often ... ..I need them to produce info, take me to court or something, but I just keep getting harrassed and no info from them. here are XXXX of the numbers that called me today from the same place ( XXXX ) ; ( XXXX ).
There are two accounts on my credit that Experian is refusing to remove despite the fact that they are not mine. I have sent disputes for almost an entire year now trying to get them to address my issue but my dispute is never processed properly. The accounts are a {$630.00} " XXXX XXXX '' and the other one is a {$370.00} " XXXX XXXX  XXXX ''. The other credit bureaus promptly deleted these accounts when I first sent disputes and they investigated and found the accounts are not mine. I do n't understand how Experian is the only credit bureau who is getting a different result for the same investigation that XXXX and XXXX did. Why is this account only being reported on Experian? I am including a section of a recent report which shows how these two collections are only reporting on Experian.
in XX/XX/XXXX my credut report clearly shows im register owner for realestate, finance, insurance, amusmentXX/XX/XXXX my mutual fund forged fraudlenty traded by citigroup, XXXX XXXX citigroup fraudulenty underwriting commercial property from XX/XX/XXXX-XX/XX/XXXX
Call every day around XXXX XXXX Robo call looking for person who is not me.
Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion, I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union, has placed in my path. 

XXXX, XXXX XXXX has been CLOSED since about XX/XX/2015. The account is not reporting as closed - rather it is simply flagged as PAID. 

Please update the DISPOSITION to Reflect its PAID and CLOSED state Please verify the Last Payment Date and the CLOSED Date Please ensure the PAY HISTORY is ACCURATE, Complete and not in conflict with the account OPEN DATE and the CLOSURE DATE OR, if it is not possible to verify - document and share the same, and please DELETE THE TRADE LINE
Nationstar Mortgage was included and paid in full as part of our Chapter XXXX Bankruptcy filing, which was discharged on XXXX XXXX, 2015. They will not release the Deed of Trust and have indicated on two occasions that I still have a debt of {$17000.00} that the Trustee never paid them. All the terms of my bankruptcy were met as is evident by its discharge. In addition, per Federal Law all creditors are prohibited from attempting to collect any debt that has been discharged or was part of a Chapter XXXX filing.
I have no contract with this company. I send them a letter verified requesting debt validation. I requested for the original contract bearing my signature and also my letter asked to show proof that the debt was under limitation. Also I requested proof of the collections agency being licensed for my state. According to the contract send by XXXX they are reporting outdated information falsely re age this account to collect. This collection agency has re aged this account according to the original creditors date of first delinquenc in a letter they send me.
Hello : Experian is violating my consumer rights. 
I contacted Experian regaring 2 inquiries, XX/XX/17 XXXX & XX/XX/17 XXXX both were unknown, unauthroized, and no permissible. I contacted the creditors they have no info, no validity and could not provide proof and referred me back to Experian the bureau. Ive done that and have been failed. 
Contacted experian regarding an inacurrate, inavlid, unverified public record displayed on my credit profile. this too is specious. 
I suppled source data info and experian still did not correct the issue. please do.
Please be advised XXXX XXXX operates as a third party collection agency, and from my research is not the current holder of this alleged debt. Because of the fact XXXX XXXX has no legal standing to report this alleged debt to any credit bureau. I am requesting that XXXX XXXX be barred from access to the credit reporting agencies immediately.
Mid-XX/XX/2018, after receiving a credit increase on my account, I went into Conn Furniture to look into purchasing some additional furniture. I still had a balance on my existing account so before looking at any merchandise my first concern was to see how they would handle my previous balance. I was told that they would combine the two accounts ; the old and the new one, and indicated that my monthly payment could potentially be lower than what I was paying or it could remain the same. With that understanding, I decided to purchase some furniture. The salesperson worked up the deal on his XXXX and told me that my monthly payment would be {$160.00}, which was the same amount I was already paying so I agreed to make the purchase. They did not give me a bill or a receipt but said they would send the information to my email. I had a previous account with Conn Furniture so I took them at their word. 30 days later I began to receive text, emails, and phone calls indicating that my " accounts '' were past due, Not one, but two accounts. I tried to speak with the manager of the store and was told they could not do anything about it and directed me to their customer service/and or some department over the phone. With each call, I was directed to another area and was then told I had to bring both accounts current before they could assist me with combining the two accounts. I did make two payments last month as they instructed with another call to their credit department. At the end of the phone conversation again, I was lead to believe that the accounts would be combined which as of today, XX/XX/2018 that are not and one has been sent to their collections area.
On XX/XX/2016 TD Auto Finance pulled a hard inquiry on my XXXX Consumer Credit File. I did not authorize them to pull a credit report from XXXX. I was also reassured by XXXX this would not be the case.
Equifax security breach. Will not allow site action, e-mail or phone response. No way to contact! All systems will not complete request for new freeze a family member or allow access to see if effect by breach. Equifax needs to be shut down by government action immediately to prevent any credit actions on all accounts, thus preventing any one getting ID stolen!!
I refinanced my loan 3 years ago. I have never received a statement during this time frame and thought I could only make my mortgage payments on line. Each time I made a payment I was charged an extra fee of {$5.00} to {$10.00} each transaction. There is no where on the web site advising me of my right to mail in a payment and not have to pay the extra fee. I have been trying to reach customer service for a mailing address and so far have been on hold for over 2 hours and it is XXXX. ( open till XXXX per web page )
1. This is a complaint and a request for a cease and desist demand directed to TransUnion and XXXX XXXX XXXX XXXX for unlawful credit reporting and re-aging. XXXX XXXX hold no legal or equitable interest in my property, and the account is time barred. 

2. Whereas, the CRA is reporting obsolete information as to account # XXXX which was previous account # XXXX, and are continuing to unlawfully use the re-aged account for more than 18 month beyond the date the account was scheduled to be removed from my credit file. 

3. XXXX  and XXXX, In response to a previous DISPUTE, correctly deleting the time barred account. However, TransUnion chose not to REMOVE THE obsolete ACCOUNT from my credit file.

4. Failure to comply with federal regulations by TransUnion credit reporting agencies must be investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). TransUnion representatives are fully aware that they are operating in violation of the law to benefit a purported creditor.

5. Please be advised that according to TransUnion 's historical records and XXXX previous trade-line, account # XXXX has been intentionally misstated as XX/XX/XXXX, which is two full years pass the previously reported date of removal. 

6. As proof see ( EXHIBIT-4, TransUnion credit report number XXXX dated XX/XX/XXXX ). It clearly and specifically shows in their own historical reports that the " ESTIMATED MONTH AND YEAR THAT THIS ITEM WILL BE REMOVED : XX/XX/XXXX ''. 

7. TransUnion has a duty imposed by 15 USC 41, et seq. to follow it own historical records that legally require the deletion of the above reference account # XXXX automatically. See EXHIBIT-8, results of XXXX  dispute investigation, and the CRA 's removal of the obsolete account record. 

8. I have reason to believe that the present CRA is operating on behalf of the debt collector to the determent of the consumer in this case. Therefore, I ask this agency to force compliance with the FCRA, and to compel XXXX XXXX XXXX XXXX to immediately cease and desist as to any and all forms of collection, and that the CFPB takes action against the CRA and the debt collector for pursuing disputed, unverified and time barred debt.
On XXXX XXXX, 2017 I set up a scheduled payment to pay to pay off my phone bill. I authorized {$100.00} to be taken out of my bank which is US Bank but During that time my bank sent out a letter ( I do not know when ) saying they had cancelled our cards, which I never knew because I had moved out of my original house. For two weeks I had went without my access to my debit card, at the time I did n't need to use it.. I called US bank and had my address changed to my current address but in the mean time I could not use it. only way I could use my card to pay off my bill was by giving XXXX XXXX XXXX my routing and account number. Again, I had only authorized {$100.00} to be taken out. Instead XXXX XXXX XXXX went ahead and took out the full payment of {$360.00}. I did not have any funds in my account except the {$100.00} and becuase of this my bank account continued to go from negative to positive additionally charging me {$36.00} each time for the overdraft fee.. I reached out and called a Banker but she informed me that there was nothing they could do about it and I would have to just pay it. This bank does not care about anything except taking money. This is the third time I have been charged for this overdraft fee. I am working to pay it off for the mistake of XXXX XXXX XXXX but each time I get money sent into my account and I 'm in negatives I get charged. When my account goes to positive I get charged. This is a problem and my bank is n't trying to help so I am sending in my complaint. Hopefully someone can assist to help me.
I constantly get fraudulent credit cards from Capitol One. They make no effort to check to see if it is a legitimate application. They just send it XXXX to my home where anyone can get the card and use it. I have told them to take me and my wife off their list and they refuse. They have no right to jeopardize my savings and credit this way. They are clearly not legitimate and cause damage to consumers. They need to be forced to do some due diligence before sending these credit cards!
Hello, I am writing with a very serious complaint about Money Network.
Money Network has allowed an overdraft on my card account, which had a {$0.00} balance.
That means there was no money in the account linked to the card for the puchase to be approved. There is a reason I left this account at {$0.00} - Not for MN to   XXXX   XXXX   put purchases thru leaving the account with negative balances.
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Why does this company do things like this? And then push us to overseas customer service agents that ca n't help?
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This account is not an approved checking account that one has signed up for for thru an application. This is an employer pay card service. Even though the services act like a checking account, OVERDRAFT is something that one must sign up for and check a waiver stating that the end-user has approved the practice. None of this has ever happened with my account.
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Therefore you put a purchase thru that was not approved, causing nothing but headaches.
I would advise this company, going forward to remove the overdraft feature from their system.
If the account being debited has {$0.00} funds, the purchse should be denied!
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I expect you to remedy this and get the {$60.00} back, since this was an unauthorized purchase in the first place.
WHY - I contacted this specific company 3 weeks ago and told them to cance ; l the said accunt (  XXXX  ) to which they responded over the phone it would be done It was not done - and here we are!
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What will Money Newtoek be dong about this?
I am filing this complaint on behalf of my XXXX year old mom who lives alone and has XXXX. She continues to receive approximately 3 calls per day from phone number XXXX. When she answers the phone, they hang-up on her. I googled the phone number and found it to be associated with Commonwealth Financial, a debt collection agency. My mom has no debt and has always paid her bills in full and on-time. I tried contacting Commonwealth via the above phone number, but all I get is an automated message. If I select the option to speak to a live person, I automatically get hung-up on. I tried that several times to no avail.
I XXXX XXXX, a XXXX woman who has recently gone through a financial hardship due to a medical issue hereby state on the record : 1. I was on XXXX XXXX right after my initial injury in XXXX of XXXX. 
2. I used the rest of my savings for a time-period to maintain my mortgage payments. I them filed for a Chapter XXXX bankruptcy petition where I simply could not keep up with the payments. 
3. I filed for a mortgage modification on XXXX XXXX, XXXX, after a lengthy conversation with a Wells Fargo representative. A copy of the initial filing is attached. 
4. After that date, Wells Fargo never responded back to me. 
5. Since that filing, I am now back to work full time, and I can pay my mortgage every month after a modification is approved. 
6. This past week I received a notice that my home was scheduled for foreclosure XXXX XXXX, XXXX. 
7. This is unfair as I was never served with a complaint of foreclosure, was protected of any filing as my Chapter XXXX was just dismissed, and I was protected under the US Bankruptcy code while the Chapter was active. This is a violation of my rights under the Fair Debt Collection Practices Act, as well as the US Bankruptcy Code. There was never a foreclosure complaint served to me personally. 
8. Now I must file an action in federal court to purge this action, and I am still in activity with Wells Fargo. 
9. I need this complaint to be filed with the Consumer Financial Protection Bureau, as I am a consumer in the United States, a citizen that is having her rights violated, and a member of the XXXX community that feels that her race is a factor that law firms can take advantage of, in addition to Wells Fargo. 
10. I am now healthy, and ready to start making payments on a modified mortgage. 
I request immediate action so that I can fulfill my obligations, and keep a roof over my head for my children and grandchildren. I am asking for no handout, just my rights under federal laws. 
XXXX XXXX THE FORECLOSURE SHOULD CEASE AND WELLS FARGO MUST LET ME COMPLETE MY MODIFICATION PROCESS!!!
Wondering how to get historical record of any dispute ( s ) filed pertinent to my having initiated one several years ago with a credit_monitor but not communicated confirmation of progress, that apparently only got swept under-the-carpet until after subscription to said 'protection ' had expired. Belief is also that XXXX. applied a fraud alert which was not released prior to disconnecting service, due to my latter inability to respond correctly to identity proof contests and subsequent loss of all online access to all XXXX scoreless credit reports.
THE COMPANY HAD TOLD ME SEVERAL MONTHS AGO THEY WOULD TURN ME OVER TO GARNISHMENT BECAUSE OF DELINQUENT IN MY PAYMENTS. THIS WAS BECAUSE OF SHORT TIME AND SICKNESS OF MYSELF AND A FAMILY MEMBER. I WAS ASKED TO BRING IN XXXX DOLLARS THAT DAY OR BE GARNISHED. I TOLD THEM I DIDNT HAVE IT BUT WOULD GET PAID THE FOLLOWING FRIDAY, NOT ACCEPTABLE SO I HUNG UP. THE NEXT FRIDAY THEY CALL FOR A PAYMENT AS IF NOTHING HAD HAPPEN SO I PAID AND PAID AND PAID THE AMOUNT WAS XXXX XXXX.WHEN I QUESTION THEM ABOUT MY BILL SHOULD BE PAID OUT THEN THEY TELL ME ABOUT THE LATE CHARGES, SO I STARTED PAYING {$100.00} EVERY TWO WEEKS, ON THE PAYMENT THAT I QUESTIONED I PAID XXXX AND THOUGHT THAT WAS IT, THEY INFORMED ME I STILL OWED OVER 200 DOLLARS MORE. I STOP PAYMENTS AND TOLD THEM WHEN THEY COULD PROVE I OWED THAT MUCH WE COULD TALK. NOW THEY ARE CALLING MY CHILDREN MY FRIENDS AND BLOWING UP MY PHONE AT WORK THIS HAS TO STOP OI I WILL SEEK FURTHER ASST. THE COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX
Begin receiving emails and telephone calls from Lamont, Hanley and Associates Inc located at XXXX XXXX XXXX XXXX NH XXXX regarding XXXX XXXX ( XXXX XXXX XXXX XXXX ) overpayment that never happened. 

To be sure it was n't clerical error, I called and spoke to a representative of XXXX XXXX and was told they do n't have me on any delinquent account and report it as it may be fraud. 

I emailed XXXX XXXX, Account Manager and Department Supervior at Lamont, Hanley and Associates, Inc and asked where did she obtain the overpayment information. 

XXXX XXXX continued to send emails regarding payments and nothing else. 

I 'm sending a cease and desist letter so that Lamont, Hanley and Associates will stop harassing me. 

Appreciate any assistance.