WillisBack/dataset-financial-user-claim huggingface dataset:
According to my credit reports, Online Collections is claiming that I owe a bill to XXXX XXXX for {$860.00} which is not correct as I have never had an account with XXXX XXXX. I did live with someone whom had an account, but I never gave XXXX XXXX the authorization to add me as a financially responsible party as I paid my rent to another ( which included all utilities ). I also know the person who was financially responsible had filed bankruptcy so I see this as XXXX XXXX & Online Collections attempting to illegally bypass a XXXX debt by trying to go after someone whom was not responsible for the bill.
THIS IS NOT A DUPLICATE COMPLAINT. I filed a previous complaint requesting the history of interest rates on my adjustable rate mortgage and a copy of the Note. The Company " Selene Finance '' then provided interest rate history information to you, but had never provided it to me after several attempts to obtain that information via phone request and faxed and mailed letters. Nor have they provided a copy of my Note. Well luckily, I now have the Note and HUD rider for my mortgage, I found my original copy in my records. 

So here 's the problem. According to XXXX at the CFPB the Company " Selene Finance " provided the following information about interest rate history. 
XXXX XXXX interest rate is 3.5 % XXXX XXXX interst rate is 2.5 % XXXX XXXX interest rate 3.625 % My NOTE ( see attached documentation ) says that the interest rate can NEVER increase or decrease more than 1 ( ONE ) percentage point per change period. Which was actually in XX/XX/XXXX, not XX/XX/XXXX. 

So for example XX/XX/XXXX is 2.5 % and XX/XX/XXXX is 3.625 % 3.625 % - 2.5 % =1.125 % So the current interest rate is 1.125 % higher than allowed per my NOTE.
XXXX has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and 72 months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of {$1900.00} Equifax showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency 120 days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX Equifax closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
We have 1 Mastercard with Bank America. They bought the card from XXXX XXXX XXXX years ago. 

We pay the entire bill every month, I have an XXXX FICO SCORE. They have been charging for XXXX XXXX  which we did not approve. 

The main problem is I paid TOO EARLY!!!!!!! HAVE YOU EVER HEARD OF SUCH A THING??????? 

I pay the bill at least 5 days prior to the due date to make sure they have time to apply it to my account. we have never ever carried a balance on this card. 

Since last Saturday, XX/XX/XXXX wherein they said my bill was over due. NOT TRUE IT WAS PAID MORE THAN ON TIME.

When my husband called the customer service person said he saw the payment the next payment is due XX/XX/XXXX which bill we have not received yet. 

I tried to get through to the CEO/PRESIDENT whose name is XXXX XXXX XXXX who has been CEO since XX/XX/XXXX and is a lawyer as well. 

As a CONSUMER ADVOCATE i was the problem solver for XXXX in XXXX and got through to all executives - well times have changed. 

When we asked why their web site shows we owe money and the automated voice nonsense says the same -- -- NOT TRUE. My husband got through to a human and the man said we owe nothing and he does not know why his web site says otherwise. 

We are unable to get any kind of satisfaction regarding BANK OF AMERICARD MASTER CARD. 

At this point they are playing games with my Credit Score and this disturbs us. 

There is no resolution to this simple issue. 

XXXX XXXX. XXXX and XXXX XXXX. XXXX
My complaint is with Regions. I kept getting overdraft fees for the same purchase and return item fees. XXXX I had 3 fees and XXXX I had 9 fees. Just those 2 months totaled {$570.00}. Messaged and called Regions several times to resolve this.
I have several student loans owned by NCT and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling about {$41000.00} ) 2 months ago and they have n't responded.
I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against XXXX for an XXXX XXXX credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from XXXX stating:1. That this debt was discharged by XXXX. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a Nationwide Credit , Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that Nationwide Credit , Inc. had not been notified of the decision by XXXX. When I received the letter dated XX/XX/XXXX, I can only assume that Nationwide Credit is illegally collecting on this debt.
Equifax did not comply with the Fair Credit Reporting Act, Section 609 and 611, in  regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. On XX/XX/XXXX, I obtained my credit file and noticed that Equifax had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. Equifax received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. Equifax sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking Equifax how they verified that these accounts were mine and that they were accurate. Equifax received this letter on XX/XX/XXXX which I have proof of. Equifax once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that Equifax continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX/XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.
This company has contacted my employer several times after being asked repeatedly to stop by my boss. I have also told them to stop contacting my work, and they kept calling. They said today XX/XX/18 the only way to fix that is to come in today and pay this. Or youll be getting sued and were working with an attorney now. I replied that I would go pay then as soon as I could but that I didnt want them to contact my employer again. She said it needs to be paid today or we will. I spoke with XXXX at convienient loans
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX   XXXX. I was told by the salesmanager I could n't unwind vehicle. I had n't even drove vehicle off lot yet. The vehicle was in the service 's bays when I seen vehicle the 1st time. I did n't take deliver of vehicle right away. I got the vehicle finally a week later the vehicle stopped on me I had to pay for towing back to XXXX XXXX XXXX the service manager XXXX came out and said we are not checking your XXXX vehicle called me a XXXX XXXX a few times and was yelling at me for no reason. This happened over 17 different times and no one from XXXX XXXX XXXX did anything to him. I had to call for another tow truck to tow my vehicle home then the next day I contact Toyota customer care and explain to them that XXXX XXXX XXXX refused to check my vehicle and so they contact a different dealership and so I had to pay for towing again since XXXX XXXX XXXX never added my warranty to my vehicle. So I get my XXXX towed to XXXX XXXX in XXXX they said sorry you will need to have XXXX XXXX XXXX add warranty coverages to this vehicle before we can check the vehicle or I would have to pay out of pocket. So this all has been going on for the next few months I get the consumers affairs and the new car board to step in they declare the vehicle a lemon law car in XX/XX/XXXX and Toyota financial services and XXXX XXXX   XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed to settle this matter with them buying back my XXXX XXXX XXXX and paying for my towing bills and rent a cars and car insurance and giving back my full down payment and deleting the item from my credit report. Well they still have n't did nothing to fix this matter. I paid every payment through XXXX XXXX I was late two times on paying cause I had to pay for rent a cars. I went to everyone to get help with this matter XXXX XXXX XXXX general manager XXXX XXXX did nothing but threaten me also. XXXX XXXX has called me a drug dealer and said he was going to expose me If I did n't stop filling complaints against his dealership. So every time I filled more and more complaints then XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit and Toyota financial services did nothing. Still nothing the vehicle is a lemon  law car and Toyota financial services and XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed that they were going to pay me back and pick up vehicle and delete them from my credit report. I need some reinforcement here.
On XX/XX/2016, EQUIFAX confirmed in writing that an XXXX account I have disputed for some time was FINALLY deleted from my file as it belongs to my ex-wife. When I checked my EQUIFAX report XXXX XXXX, 2016, it had been re-inserted. This is a clear violation of Federal Consumer Law!
I made XXXX balance transfers. The fees for the transfers are not reflected on the statement. The company phone representatives can not tell me what the fees were or if they still are outstanding and are accruing interest. I have stopped making any other purchases on this account in order to make it as simple as possible ( and since closed the account ) If payments are applied to outstanding fees of any kind I should be able to see that on my statement to account for payment allocation, but I can not. 

My total balance should now be at 0 % interest ( for XXXX defined time periods ) therefore the statement balance should be visibly decreasing on each statement dollar for dollar, but it does not. 

I have paid well over the amount of any fee ( visible or not visible ) that would have been related to the XXXX balance transfers. The company 's phone representatives should be able to see where the money was applied or if fees still exist, but they can not. 

As I have requested by telephone on 2 separate occasions ... I want to make sure the " invisible '' fees are paid off and not accruing interest. I want to see where my money was applied each month.
Santander is reporting incorrect payment history, incorrect balance, as well as, account status with all XXXX credit bureaus. I 'm submitting this complaint because although Santander has been notified to conduct a through investigation they have not and continue to willingly report incorrectly.
Ive notified this company of my XXXX and that Im classified as collection proof. Im still being contacted and the company continues to attempts collection on a 7 year old debt Im not liable for
Discover credit card my limited was {$4000.00} i always pay recurring from my bank account I have balance pay off never use the credit card for some reason credit get increased notice when login my account noticed discover continues taking money monthly call discover ask way continue taking money if pay off my balance customer service say the have very high balance I try to explain is impossible because a pay complete total amount with my tax. Customer service person said my credit was increased new car was send to my address never revive new card ask for investigation person send me new car never use this investigation went to south XXXX court district discover never presented to court day. XXXX and XXXX hotel send me letter apologize my information was Sposed never think some use identity moved get letter need to present to court. I try to login to my discover account to print my statement approved to see whenre this charged was made discover remove my access denial my privilege to login into account. I ask if that my account a have Right to get stamenst see what happen, I call discover multiple times asking for send me by mail old statement begins to the end was denied to send to me. Only need to pay the balance I submitted XXXX and XXXX nothing get resolved
Not only once, but twice i was told by Wells Fargo Bank that they could not help me out at all unless i was defaulted on my loan. The first time my husband was going to be unemployed for a short while, i had called in to let them know that i may be a little short on money the following month since we would be going without his paychecks and asked if there was some kind of payment arrangement that we could make. The person on the phone told me that they could not make any arrangements to help me unless i was at least 90 days past due on my mortgage. 
The second time, my husband was fearing for a layoff from his company because rumors were going around that they were going to be conducting layoffs. Around the same time he received a phone call from a company back east requesting that he come to work for them. In fearing for him losing his job he took the job offer and we moved out east. We put my house up for sale XX/XX/XXXX, and i called into Wells Fargo again. Again i was told that there was nothing that they could do to help me with my mortgage unless i was 90 days past due. I remember arguing with them asking them why they would n't want to help a customer who has never missed a mortgage payment instead of already putting them in a bad situation before they could help. Now it is over a year later, my husband and i have had a buyer interested since XX/XX/XXXX and we have still not sold our house. Our house is still in the short sale program, after being kicked out and sent into forclosure until i called repeatedly about it they put it back in short sale status. I have had over XXXX " case representatives '' assigned to my case in a year, i never hear from anyone, and the only time i hear from anyone is when i post negative remarks on twitter ( i can count on hearing from someone from wells fargo within 24 hours. ) Every time we submit paperwork, they say they have it and then a week or a month later they tell us they need the SAME paper that they just said they HAD! and now since i defaulted on my loan so that i could go into the short sale program as instructed by wells fargo ( since they would not help me unless i defaulted on my loan ) i can do nothing for the buyer who is so desperately wanting to get into my home. at this point the buyer is offering to pay more than what i owe on the home, but since there are penalties and late fee charges for not paying on my mortgage, i can not take a loan to pay the balance of the mortgage and just sell outright to this buyer, because i would not have enough to pay the penalties and late charges. Please help and make people aware that wells fargo prefers foreclosures over short-sales. They do not offer any help until you are 3 payments behind because it is so HARD to get back from a situation like this. They know what they are doing and what they are doing is wrong! If you would like more information please contact myself or my realestate agent.
Received one missed call with a voice mail from XXXX XXXX XXXX and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed
My credit monitoring account showed a debt collection from TRANSWORLD SYSTEMS INC at {$160.00}. Not once has a company given me a written notice or a bill of such telling me anything had to be paid. They have no proof of any notice because none was sent to me. This needs to be fixed
XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported two accounts as delinquent to the credit bureaus without properly notifying me that the account will be sent to collections. I tried to dispute with credit bereaus but nothing was done.
XXXX mos. ago, I had looked at my Experian credit report and found, along with the other XXXX major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all XXXX credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by Experian sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!
I contacted Wells Fargo Financial and they continued to state and report to credit bureau that payment for XXXX XXXX was late. For {$410.00} minimum payment due in XXXX I made 2 payments for total of {$410.00} before XXXX XXXX XXXX as required as highlighted in copy of statement attached as a PDF file. 1st payment XXXX as seen on statement was paid online for {$280.00} and credited to account. 2nd payment XXXX was paid in branch for {$130.00} and credited to account. Yet letter from XXXX XXXX clearly states that they reported correctly and XXXX payment was late. How can that happened, when you see that they were paid for amount due and prior to XXXX XXXX XXXX. Both of them are highlighted in PDF files I am sending. As required by FRCA, since payment was for amount due and done prior to XXXX XXXX XXXX. Wells Fargo Financial is required to report was paid on time, not late as they reported.
XXXX wireless illegally tacked on late fees to my phone bill even though I paid for the usage on time, every time. The original late fee occurred because XXXX 's website was not operating properly when I made a payment. From that point on, XXXX tacked on an additional late fee every month because I refused to pay the original late fee due to their website glitch. The total amount in late fees is {$110.00}. XXXX sold this alleged debt to XXXX XXXX XXXX. I have filed numerous disputes with the credit reporting agencies only to be told that XXXX XXXX XXXX says that I owe this money. The credit reporting agencies have no paper work or XXXX billing from XXXX showing that this is a legitimate and legal collection. They are simply taking XXXX 's word that this money is supposedly owed. This {$110.00} in late fees is not owed. I paid for the services used on time and will not pay these false late fees. This is extortion. In contacting XXXX, I get a big run around, and, ultimately, they will not remove this false collection from my credit report. Since when do collection agencies tell the credit reporting agencies how to manage credit reports? This first complaint is against TransUnion. Attached please find copies of the bills in dispute.
My home was was wrongfully foreclosed on XX/XX/XXXX by Brock and Scott, PLLC. I  requested proof of claim ( the Note and Deed of Trust of the foreclosing bank and the Arrearages ) for whom they were representing. They said they were foreclosing for Fannie Mae. I have been fighting for 5 years to pay this mortgage. I have filed Chapter XXXX Bankruptcy and the Trustee disallowed XXXX 's claim because they did not file the Proof of Claim. We paid {$30000.00} into the Bankruptcy fund toward the Mortgage and this money was dispersed to unsecured creditors. I have 2 lawsuits in Chancery Court. One was filed in XXXX, the Judge has not ruled in that case, and I filed a Pro Se Petition on XX/XX/XXXX. I have a court hearing on XX/XX/XXXX but I have to file a response by XX/XX/XXXX because the defendant who purchased the house filed a Motion to have my Lawsuit dismissed and he also filed a Detainer Warrant in General Sessions Court to get possession of the property. My son and I are still in the house. My husband left in XX/XX/XXXX because of the stress and anxiety. He is XXXX and suffers from a work related back injury and is in pain 24/7. We are trying not to be evicted from our home. We built this house in XXXX, paid {$20000.00} down, paid mortgage payments for 10 years ( {$200000.00} ) plus the {$30000.00} to the Chapter XXXX Bankruptcy and we still don't know who owns this Mortgage, only that 4 different companies ( 1. XXXX, 2. XXXX XXXX XXXX, 3. Priorty Trustee and 4. Brock and Scott ) none of which have produced the Note and the Deed have continuously tried to wrongfully take our home.
Bayview Loan Servicing LLC has not responded to a QWR that I sent them certified I asked for all the LEVEL ACCOUNTING and Proof of this PURPORTED DEBT they are trying to collect on. They need to remove themselves off of my credit report at once and they need to Stop Harrassing me. They also need to stop stealing my identity, I am going to press a criminal complaint against them. They have nothing to do with my property!!!!! This account was paid and closed by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX!!!!