WillisBack/dataset-financial-user-claim huggingface dataset:
I am an attorney employed with XXXX XXXX XXXX XXXX. Since my employment began here in XXXX XXXX, I have been receiving calls on my direct work line from Cochren, Bailey & Associates LLC, a debt collection firm, looking for an individual named XXXX XXXX. These calls threaten criminal and legal action against XXXX for a debt. XXXX is not an employee with XXXX. I have no affiliation with XXXX in any way. I have repeatedly advised Cochren Bailey that I do not know this individual, and that she is not an employee of XXXX. 

On XXXX/XXXX/XXXX, I sent a letter to Cochren Bailey ( with read receipt requested, which was done ), advised Cochren Bailey that they are and continue to be in violation of the FDCPA. 

I also filed a complaint with the XXXX ( Complaint ID # : XXXX ), wherein Cochren Bailey admitted, in response to my complaint, that they called my work number, and would not do it again. 

Since the date of the XXXX complaint, I have received three more telephone calls from Cochren Bailey looking for XXXX XXXX. 

XXXX/XXXX/XXXX ( I answered the call and against advised this office they are in violation of the FDCPA and that I do not know XXXX XXXX ). 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message. 

XXXX/XXXX/XXXX - Cochren Bailey left a voice message threatening legal action. I have saved this message.
I went to XXXX XXXX and was invited to a timeshare venue. I was enticed to buy in on a timeshare but was told my credit had to be ran first since I didn't want to put any money down. I asked how long would this be on my credit report and was told if I didn't qualify they'd remove it instantly or it would fall off in a few months and to give them a call if it was not removed. I didn't qualify to buy in with no money down so I left with no timeshare and again was told that the inquiry should fall off in a few days if not a few months. To date it's been over a year ( 15 months ) and the inquiry still shows on all three credit reports.
XXXX XXXX XXXX, XXXX has been harrassing my husband, brother in law, and my mother. They claim they need to get in touch with me, yet don't have my number, but say they have personal information on me. I have never been contacted by mail from them. My family has asked them numerous times to leave them alone. They call using different numbers and area codes. XXXX XXXX claims that Capital One is taking me to court over unpaid debt that was discharged in a bankruptcy in 2003. I have never been contacted by Capital One themselves. I also have a current Capital One card that I use and payoff every month. I have never received a notice stating any amount unpaid. XXXX XXXX is rude, hangs up on myself and family members. They refuse to disclose their address to me. I have spoken with XXXX XXXX, XXXX, XXXX, and XXXX. The last three names refuse to give me their last name when I talk to them. I am tired of them harrassing my family and myself.
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.
On  XXXX   XXXX ,   XXXX   I was alerted that I have a collection notification on my credit report.     For the amount of {$690.00} from Collection Agency : MIDWEST RECOVERY SYSTEMS, This is the first i 've ever heard of this. I 've never not paid a single debt I had. I 've googled MIDWEST RECOVERY SYSTEMS and this seems to be a fraud / scam collection company placing unwarranted reports on multiple peoples credit report.. I 've never received a phone call, an email, a letter. NOTHING and this magically appears on my equifax report.     This is 100 % identity theft or some sort of scam as I do not own this debt.
My roommate and I lived at XXXX XXXX XXXX for 13 months. We did everything according to the lease, paid rent before or by the first, put in the 60 day notice, cleaned the unit and moved out early ( we were to be out by XXXX XXXX ). On XXXX XXXX, I gave them my keys and family address in XXXX to forward any correspondence following the move. I also gave them the two week period before calling the apartment complex twice on XXXX XXXX, 2016. I spoke to a lady in the office she was not only confused as to the move-out situation for my apartment but was also disorganized as usual ; she could not tell me anything and was unsure as to why no one received any correspondence from the apartment complex, then stated she would have the manager, XXXX contact me immediately. My old roommate and I have yet to receive a phone call from the manager of the complex, nor have we received any mail following the move. With that being said I would assume we have paid in full-we also did not receive the security deposit back either. 

I have pictures and videos of the unit following moving out and it was left in good conditions. I was unable to stay behind for the final walk through but I believe my roommate may have been. 

Today, XXXX XXXX, 2016, I received a fraudulent letter from I.Q. Data International , Inc. stating I had an outstanding debt with XXXX XXXX XXXX for {$82.00}. The letter states it was to follow up on the move out report sent before continuing with collection activity. Again, not only have I contacted the apartment complex, XXXX XXXX, I have not received one letter from them regarding the security deposit or a debt owed ; I also have not received a return telephone call from the Manager of the apartment complex. I have excellent credit and the people who work for this complex are not only dishonest and untrustworthy but they have falsely threatened on numerous occasions to send us to collections when we have paid our debts and paid on time. We have had enough of the abuse!
Since XX/XX/XXXX, Navient claimed that it was not possible to defer the loan because the U.S. Department of Education did not allow it. It is just no longer possible to take out federal student loans for enrollment at the deferment-only foreign university. It does not mean that the loan can not be deferred. 

In XX/XX/XXXX/XX/XX/XXXX, Sallie Mae Bank had exclusive rights to issue Federal loans to XXXX students. Sallie Mae Bank cheated the system and refused to issue XXXX XXXX   but private loans only, when XXXX was still eligible for XXXX XXXX. Navient is now the servicer for this loan. 

Last week, I sent complaints to Office of Inspector General ( ref # XXXX ) and FSA Feedback System. The XXXX said that the students that stayed at XXXX to finish the education can still get deferral. FSA Feedback System also advised that CFPB should directly handle the case. Navient must not be allowed to keep on closing a CFPB complaint by just sending in a response without taking action to solve the problem.
I have sent requests to Equifax certified mail requesting method of verification on this inaccurate verified account..I also challenged the account under metro 2 laws ... They have not provided me with documentation showing how they verified this account.. I would like to challenge the status, high balance, past due amount.
They are suppose to verify physically the validity of alleged data, any calculations, dates, each notation, balances, and records of accounts even the 426 CHRC P6 statement, personal identifiers, and source codes audits, receipts, accounting records, metro 2 codes.
I had a mortgage with XXXX. It was an illegal mortgage with many Respa andTIla violations. The mortgage was a balloon mortgage with a very high interest rate and very high closing costs. XXXX went out of business. There is no documentation transfering my mortgage to another company. XXXX XXXX is attempting to foreclose on my home even though they have no legal right to do so. The XXXX Loans Trust XX/XX/XXXX-XX/XX/XXXX they claim to represent closed years ago. There were no transfer documents to the loan trust. 
The people attempting to foreclose on my home have no legal standing to do so. I also became aware of money made on my home without my knowledge or consent. When my loanwas funded, XXXX presented my note to the XXXX and received XXXX times the face value. Later when I was in default, XXXX received XXXX times the face value of my mortgage. I requested the attached information from Occwen who is the present Loan Servicer. They refused to answer any question except for the whereabouts of the original loan document which is the foreclosure file of XXXX County Court. I received no other answers. According to law, I am due an answer. Also I am being XXXX out of {$100000.00} in equity using a fraudulent appraisal.
Cavalry Portfolio Services L.L.C. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XXXX from XXXX XXXX XXXX. I moved to XXXX in about XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with XXXX XXXX XXXX ( or Cavalry ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept XXXX XXXX XXXX because the interest was XXXX percent fixed. But alter selling my home I became XXXX and could not do simple paperwork and the XXXX XXXX XXXX card never got paid. Of course Cavalry did not care about anything but making money from me. ( I NOW know ... ) 8. According to Cavalry 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from XXXX XXXX XXXX around XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.
This company never sent me a bill after they bought my debt. Then they reported on my credit report twice under XXXX different account numbers but the original creditor is the same ( XXXX ), the amount is the same XXXX and the original date is XXXX/XXXX/XXXX on both but Pinnacle added the XXXX one on XXXX XXXX, XXXX with duplicate info but different account number but still never notified me that they had my debt to collect. I just happen to see it on my credit report duplicated
I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last 5 years and this is impacting my Credit Score.
On XX/XX/XXXX an unauthorized transaction occurred on my Paypal account, I notified the original company and they refunded my payment. 
I also cancelled any authorizations through Paypal and my bank. 
On XX/XX/XXXX, Paypal emailed me and stated although the transfer failed from my bank, they used my paypal balance. 
I was unable to determine if I had a balance at that time, their activity didn't align with the facts and their system refused to allow me to open an investigation. 
I replied to the email and they responded that they don't monitor it and refused to provide any other method to contact them. 
I had to XXXX the number and I was told to just disregard the email, their IT department refuses to fix incorrect information being sent to customers. 
Paypal alleges it sent false notification of an XXXX violation and nonchalantly asked that I ignore the issue.
There are two collection listed on my credit file that are unknown to me, I have disputed with no validation received back. The accounts are XXXX XXXX XXXX XXXX and XXXX These inaccurate remarks need to be removed
Chase Bank XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX I never had service or contract with company. I report this issuee in XXXX  but couldnt fix it. 
Factual Data Inquiry from XX/XX/XXXX I didnt finish with this application
Capital Accounts called me at work twice. I have advised them to stop calling me at work. If they continue I will sue them for harassment.

The number that is calling me is XXXX
The payment did not process. The company reversed charges of {$170.00} time XXXX. 
The charges should be XXXX reversal and two payments. I also have overdraft fee, which should be waived because discover reversed the charges.
I am being sued by Johnson Mark LLC who claims they are working on behalf of XXXX XXXX. I have already submitted one complaint, ( XXXX ) but I am now submitting a second one for fraud. 

I received a complaint to appear in court with Johnson Mark claiming to represent XXXX XXXX on a old debt they know nothing about, and have not provided affidavits for. The debt they are trying to sue for they have no claim to, they do not own the debt and are bill collectors. They are trying to force a win by default, trickery and scare tactics. If they do not amend the complaint on their own to show who the true plaintiff is in the case. I will write a motion to the court. 

In addition, I will be calling the bar association to report them for misrepresentation in the the complaint, and by trying to get me to settle a debt with them that I do not owe with a demand letter. This is Fraud. 

Furthermore I will be filing a separate complaint against XXXX XXXX, as they have also committed fraudulent credit card lending practices and scare tactics trying to get me to pay a debt that has been paid off many years ago.
I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX.
XXXX XXXX has had a bank account with XXXX XXXX  XXXX XXXX since XX/XX/XXXX. The account was set up online and any relevant business information was confirmed with Capital One. To our knowledge, the account was in good standing and we neither received any further communication from Capital One, nor did we have any alerts or holds on the account after originally opening the account We recently received 2 wire transfers into the account totaling $ XXXX, on XX/XX/XXXX and XX/XX/XXXX respectively. There was no issue receiving the funds into the account and we did not receive any communications or notifications from Capital One signaling that there was an issue with the fund transfer or our account standing. 

On XX/XX/XXXX we added a XXXX XXXX XXXX  account in order to initiate a transfer of funds from our Capital One account. The XXXX XXXX XXXX transfer account was verified by XX/XX/XXXX and since then we have been trying to transfer those funds out of the XXXX XXXX XXXX XXXX account. 

Capital One, after having the account open for 6 months, is now telling us that our account is restricted due to insufficient information for address verification. Mind you, this is the first we've ever heard of this, and if the account had been restricted, which is their right, they should have never accepted the funds to begin with. 

We have been on the phone with them for 2 days and they are not letting us touch the funds that are rightfully ours - the funds they should have never accepted in the first place. 

In their terms and condition it clearly states that if an account is not verified properly, funds can neither enter nor leave the account, which means that, by the logic of their terms, since they accepted the funds into the account the account is verified. 

I am confused and have not received an answer from why our account was in good enough standing to accept $ XXXX, but not enough to now use those funds at our discretion. 

We have time sensitive purchases and fund transfers and Capital One is affecting our ability to do business.
Freedom Mortgage is not calculating my monthly escrow payments appropriately. As a result, when it is time to make payments for taxes and insurance my escrow account is short. This is not a result of taxes or insurance increasing as my taxes stayed the same and my home owners insurance only increased by {$50.00} for the year. My escrow account is short approximately {$500.00} and they can not offer an explanation as to why. My frustrations are fueled even further by the fact that this is the second time this has occurred. I need to know why there is a shortage and what can be done to prevent this in the future? Lastly, I would like to point out that the damage has been done for this year as we will now have to pay extra on our monthly escrow payments to make up for the shortage. This clearly could have been avoided if we had been given the appropriate amount to pay each month instead of what seems to be some kind of made up amount.
After the Equifax breach, I decided to put a freeze on my credit with all three agencies. I was easily able to do so with XXXX and XXXX, but Equifax 's site kept crashing on me. I tried six times, but it would always freeze up and then tell me that it was unable to complete my request at this time and to try again later. So a few days ago I tried again, and apparently there is already a freeze on my account ( and believe me, I 've never even heard of putting a freeze on my account before this breach, so it could n't have been something I did previously )! But I have no PIN number because I was not the one who put the freeze on it! What am I supposed to do? I tried contacting Equifax to no avail, also sent a XXXX message. If an appropriate freeze was put on my account, they should have sent me a PIN number- so I do n't know if someone else already put the freeze on my account and has the PIN number! What do I do? I 'm really freaked out!
You've paid off 0 % of your collection amount. 
Balance {$720.00} Highest Balance {$720.00} Opened XX/XX/2015 ( 2 yrs, 4 mos ) Account status Open I had lived in a building i believe at XXXX XXXX XXXX  when i moved out i had handed my XXXX modem cable box and everything to the XXXX guy that was allocated to the building. He had assured me that he would take care of the issue and let XXXX know that i do not owe anything and the equpitment is returned. Little do I know i have a {$720.00} dollar collection going on for equiptment that i returned to the building XXXX Representative. I want it to be disputed and removed off my credit report so this unjustified problem does not keep hurting my credit. 

Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
In both XX/XX/XXXX and XX/XX/XXXX my husband and I bought new vehicles. Both times at financing we were informed that my husband had better credit than me, so we did the financing in his name only. In XX/XX/XXXX, out of concern for what was on my reports I pulled my credit and found that XXXX XXXX XXXX reported that I had a debt of {$650.00} that I owed from XX/XX/XXXX and that I paid this debt in a settlement for less than the actual amount of what was owed to them and it shows as an adverse account on mine and y husbands XXXX credit reports. XXXX XXXX XXXX was a collection agency that I worked for doing collections in my home. When I no longer was working for them in XX/XX/XXXX they sued me and my husband for {$650.00} for the used computer and monitor. My husband NEVER worked for them at any time. My husband and I appeared in court XX/XX/XXXX XXXX Civil and Small Claims, the case was dismissed with prejudice. Their attorney, XXXX XXXX, took possession of the computer in the courtroom in front of the judge and court clerk. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported a debt onto my credit report and my husbands XXXX credit report 13 days AFTER their attorney was in possession of the computer and monitor and after the courts dismissal with prejudice. They created a debt by using my date of hire, fake DOBs, my husbands name is misspelled, in order to generate this debt. I have worked since XX/XX/XXXX trying to get this off of our credit. We've consulted an attorney, filed complaints with the XXXX and the Attorney General, and disputed the debt with XXXX. The WA state Dept of Licensing said that XXXX XXXX XXXX dissolved at the end of XXXX and that XXXX XXXX assumed assets and liabilities. This is fraud and many laws were broken by the very collection agency that I worked for as a way to retaliate against me for quitting. XXXX XXXX XXXX is now DBA Genesis Credit Management , LLC, located in XXXX WA and they have learned a really good shell game of dissolve and assume a new name. But if a collection agency can do this to a former employee can you imagine what they can do to a debtor or a consumer that has no idea what to do or where to turn to protect their rights?
Wells Fargo Bank ... ... ..I had an checking account with Wells Fargo , stop direct deposit and had all my automatic payments stop from their bank. For some reason they continue to charge me overdraft fees, then closed my account ... ... this been about 4 months ago, now on X/X/2017, they closed my savings, due to no activity and a XXXX balance ... .but allowing me to keep my credit card account ... ...