WillisBack/dataset-financial-user-claim huggingface dataset:
Direct Recovery Services has contacted not only me, but the owner of my home. A recorded message states that XXXX XXXX, and " the client they are representing is going to move forward with their complaint but I still have time to rescind the process ... '' the recording goes on with a number to call, XXXX. The recording never states who is calling, what it 's regarding, if they are trying to collect a debt or not..I did some research and found that Direct Recovery Services also has an address and phone number in NY ; Direct Recovery Services , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX. There are also two websites, www.directrecoveryservices.com and www.directrecoveryservices.org. Both sites are made with a " XXXX '' account which anyone can create if they want a URL. I am very suspicious of this bottom feeder collection agency ... And furthermore, I do not owe a debt. If you review the websites, you can see that this is not a legitimate organization. They have even copied the logos of the XXXX, XXXX and CFPB, to appear accredited and legitimate. ( You 'll find this on the directrecovery.com site ; the .org site says " member XXXX '' If they were part of the XXXX I would have easily found them on this site, but did not. I also checked XXXX, they are not listed. I am quite certain they are not accredited by the CFPB either.
Complaint about XXXX XXXX This bank issues credit cards to XXXX XXXX XXXX   stores customers and handles the credit card purchases. I was late couple of time, one time 2 hours and another time 6 minutes. I pay on line and the cut off time for payment is XXXX XXXX pst, but I thought it was XXXX.   Technically compare to few years back that on line payment was not common, they had to receive payment on due date and it would take 2-3 more days for them to receive the actual payment, but now days with electronic payment system it is instant. 
I asked them if they could waive the late fees and they said no. I said ok, then I'll pay what I owe for items that I purchased - minus the late fees- and asked them to close the account. They closed the account but kept late fees as balance of the account. This was back in XX/XX/XXXX. Since then they keep adding late fees. I paid what I purchased, I thought that was fair. I actually paid them extra {$20.00}, beyond what I purchased. 
Can they keep adding late fees, even after account is closed? 

Can you help on this matter?
On XX/XX/2018 I was notified on my credit report the same debt that was disputed before and removed is back on my credit report because the debt is purchased by another collector. The company is stating that I had business with XXXX XXXX and owe {$1500.00}. XXXX  removed the same debt 6 months ago and now its returned by this company. This debt is not mine and it was proven by dispute with XXXX  that it wasnt mine 6 months ago. Im writing today because the debt is purchased by different debt collecting companies and now its back on my credit report. This debt buyer " parked '' the debt on my credit report and re-aged the status of debt in which is not mine. This debt collection practice of placing this debt on my credit report is XXXX.
Hard inquiries on my credit report with both XXXX and Equifax were not authorized dated XX/XX/18. I have NO accounts with these financial companies. I did recently take out a loan with XXXX XXXX, XXXX, CA and did approve of that inquiry. I'm asking that these inquiries be removed from my reports. These have had a major negative impact on my credit report.
I purchased a new XXXX XXXX XXXX which was financed through Wells Fargo at 4.99 % and I was told that after XXXX year I could refinance to lower my payments. Yesterday I called them to refinance and they told me that they could lower the payment from {$560.00} to {$540.00} but the rate would be 7 %. This does not really provide me with any options. The {$560.00} payment is too high. The folks that I spoke with were very non empathetic and gave me the impression that they could not care less about my situation and there was no attempt to try and resolve this issue. 
I have run into hard time and had to move into a place with a higher rent and so I do n't have the disposable income that I originally had to pay this high payment. All I am asking for is a reduction that will help me stabalize
creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX balance:XXXX  creditor : XXXX XXXX XXXX account # XXXX balance : XXXX   creditor : XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX  The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX XXXX , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In late XX/XX/XXXX I purchased an XXXX  Washing Machine from Home Depot and used their special promotion letter that was delivered USPS Mail. The Promo said No Interest for 18 months when purchase is over {$500.00}. The Washing Machine cost {$590.00} but my XX/XX/XXXX Statement was very Confusing showing Purchases {$1700.00} then a credit for {$1100.00}. No one could explain to me on phone call, Why it was accounted in this manner? 

Sometime in XX/XX/XXXX after being pestered each time i logged in to my home depot credit card account website to Go Paperless, I switched from paper statements to Paperless.

I didn't even think there might be a problem with this later because I was Told during a phone conversation with the representative who was in the process of Fixing the term error of only 6 months to 18 months as it should've been originally per their promo materials, she told me that the $ XXXX monthly payments I had setup would be applied towards their promo balance First before any subsequent charges i might later make from future in-store or online purchases. 

So, I was confident " at that time '' that {$50.00} per month over 18 months Would've Paid Off their Promotional No Interest Offer for 18months, Long Before 18 months were to expire. 

OK, so now jump forward to present day ; I recently went online to do a checkup on my credit card accounts and noticed on the home depot credit account that I was Charged Deferred Interest of {$250.00} as they are now claiming their phone rep back in XX/XX/XXXX conversation ( the woman who fixed the term to 18 mod ) had incorrectly advised me on how my payments would be applied? 

This sure feels like a Bait n Switch scenario now and I am very upset with Home Depot and Citi Financial Credit Services for the grief and stress now caused by their Backpeddling on this Deferred Interest Charge at 22 % totaling {$250.00}. 

I asked Citi to Credit back my account for the {$250.00} and was told that since its been more than 6 months since the interest was charged, they can not do anything to reverse the charge ... ... ..but they would open a " case ''? 

I have no confidence in Citi or Home Depot at this point and believe the " open a case '' comment was just a tactic to move the call to a conclusion and get rid of me. 

I do not believe the " case '' will have a resolution to the Consumer 's Benefit as they have mislead me ( the consumer ) from the beginning. 

We already Know they make errors from the incorrect 6 month term they tried to setup After buying the item, when their promo clearly stated 18 months. 

Citi Financial should be investigated for Bait n Switch fraudulent mishandling of consumer promotional offer and usurious illegal deferred interest charges. I doubt I am the only consumer this has happened to either! 

Please make this unscrupulous bank and store re-imburse/credit back my home depot credit card as soon as possible. 

Sincerely, XXXX XXXX
Some one opened up a account with Capital One in my name. I have been getting bills in the mail. I have seen the bills but there are no charges except for yearly charges and past due charges. I never applied for this card and I do not want to get stuck with these charges I am afraid that who ever opened this account up will run up a billView your statement online. 


Visit Capital One Sign in to your account Check out your XXXX 2015 statementView your statement online About your account ending in XXXX XXXX XXXX, The XXXX 2015 statement for your Capital One ( R ) credit card is ready -- just sign in to view your statement online. 


Statement balance : $ XXXXMinimum payment : $ XXXXPayment due date : XX/XX/2015by XXXX ET You can view your transaction details online, manage your account, or make a payment. 

Thanks for choosing Capital One. 


View transactionsMake a payment There is a basic version of this statement notification email available. If you want to switch notification versions, sign in to your account and select Security Alerts. 

Did you know? We need up-to-date income information to consider you for future credit line increases. Update your income now.
Sent XXXX letter XXXX received response XXXX. Collection company was unable to locate account and not able to verify. Which under the XXXX act if they are unable to varify the debt must be deleted. XXXX letter included all info they needed to locate debt.
I am not aware of this debt. Possibly the result of identity theft. It is adversely affecting my credit.
XX/XX/2018 several accounts were closed due to identity theft today I discovered they have reopened without any notice or permission Im not sure what Synchrony Bank is trying to achieve with this type of underhanded practice but its not appropriate business practices
On XXXX XXXX I received a fax through my job fax machine it was for a vacation package and it stated it was through XXXX and it was also from my HR department. So I called the XXXX number on the flyer I asked them in a ton of questions I also asked if he was XXXX he told me yes he was XXXX after speaking with the man I felt comfortable I gave him my credit card over the phone I asked for confirmation he said once I sign my credit card slip I will receive my vouchers and my confirmation and all the links to pick my hotels. So i esigned the credit card statement then I got my vouchers and I also got my emails I clicked on the link when I got home and something did n't seem right I did a lot of investigating and I found out that they have reports that this was a scam I look them up and sure enough they were on the scam list I called them back the next morning and I told them that this was a scam and they hung up the phone on me, I then called back and tried to cancel they said I could not cancel my vacation package because it was Final sale. I called my credit card company Capital One they told me not to worry that they will get my money back and I will not be responsible for this they did an investigation and then I received a call that the investigation was closed and they could not retrieve my money back. After they called me and told me that I ca n't receive my money back, i called again and I told them to call on three-way with me to show them that this is a scam they said they did n't receive enough documentation but I told them that I did n't receive any documentation from the vacation all I had was what I sent them. So the people from Capital One called the vacation place, XXXX with me on 3 way she then told them that she knew this was a scam and that I need to get my money back they told her no they freaked out on her and hung the phone up on her Capital One has all that on recording and they still do n't want to pay me my money back. They told me they have to follow procedures but how can they follow procedures when they clearly heard that it was scam them self. Please do n't ever try to get a vacation package through American vacations and also be careful what Capital One tells you because they do n't really back you up
XXXX XXXX has been trying to bring his loan current for years. He has been advised for years by an attorney who he paid on a monthly basis as he was instructed to not speak to the bank and to pay him. This attorney has moved and closed his office after being paid over {$25000.00}. 

XXXX XXXX ' wife passed away and he has been trying to put his life back together along with his children. His loan has been transferred to at least 5 different service XXXX XXXX has sent documents and proof of documents sent. 

At this point he is well able to pay a mortgage. he and his children are employed. 

Ocwen Loan servicing is the servicer on his loan and they have put him in a sale date with no notification of a sale to him. He found out about the sale from people calling trying to get him to sign the home over to them for a small amount of money. 

He was not sent any notice of sale as required 30 days before scheduled auction on his home.
My ( XXXX XXXX XXXX XXXX ) escrow account was short for this year because we had built a new home and taxes were based off the lot appraisal only. I ( XXXX XXXX XXXX ) contacted Penny Mac Loan Services on XX/XX/XXXX. Because our escrow was short we were making a payment of {$1700.00} to make up the shortfall. I decided to make one lump sum payment of {$2800.00} to pay off the escrow shortfall with a confirmation number supplied by Penny Mac Loan services of XXXX. It was drafted from my bank on XX/XX/XXXX. 

I very specifically asked if our new payment of {$1300.00} ( normal payment less escrow shortage ) would start on XX/XX/XXXX. The Penny mac representative assured me my new payment of {$1300.00} would be effective that date. 

On XX/XX/XXXX I logged into my Pennymac account and noticed it still showed {$1700.00} due on XX/XX/XXXX. I again called Penny Mac customer service. They again assured me only the correct amount of {$1300.00} would be billed to my account on XX/XX/XXXX. 

On XX/XX/XXXX my autopay payment had not been subtracted as normal. I called to verify that no changes had been made that effected autopay. They stated that the payment would be debited on XX/XX/XXXX because the first was the Friday. And stated for now THE THIRD TIME that my payment would be {$1300.00} as I had paid off the escrow shortage completely. 

On XX/XX/XXXX. After three different representatives stating my payment would be {$1300.00} because of paying off the escrow shortage in total Penny Mac billed me {$1700.00}. They stated they " messed up ''.
Im the mother who paid the student loans, of my sons, XXXX, the loans was paid, but sallie mae, did not report It to the credcredit bureau, they told me, to call XXXX, and I did called andthey said that it should be sallie mae who should report it tothe XXXX credit bureau, they sallie mae, damage my reputationto the XXXX credit bureau.
I have never lived in the state of XXXX. I have only been a resident in the state of XXXX and the state of XXXX. The information on my credit report is incorrect.
Equifax has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Equifax has not removed them. Equifax lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.
Basically, my sister and I have the same initials, grew up in the same home, have similar SSN but we have a HUGE age gap between us. for YEARS I have been having her items show up on my credit report. It started XXXX of 1994 according to Equifax. No one will help me. now I can not even qualify for a home loan because her MORTGAGE shows on my credit report. She has over XXXX debt in my SSN and I can not get it removed. This is so disheartening.
On XX/XX/XXXX I mailed a certified letter for disputes in to Equifax along with a copy of my drivers license and social security card as proof of identity. I also mailed a copy of my complaint filed with the Federal Trade Commission. On XX/XX/XXXX I called Equifax to get an updated status of my disputes. I spoke with a representative by the name of XXXX, after telling the rep the reason for my call she initially pretended as if the company did not receive my letters. After stating that everything was sent certified mail and that it has been confirmed that the company has indeed received my documentation the representative stated that the inquiries were factual. I asked the rep what documentation has been provided to confirm that the inquiries were done on my behalf as well as asked that verification be sent to me. The representative stated that I could not be provided the information. I stated that according to FCRA law I have the right to know what is being reported on my credit file as well as any validation or verification. I stated that my disputes should be investigated under the provisions of the FCRA, 15 USC 1681li. The representative then stated that she could not help me and that I would need to be transferred to another department. I asked the representative if all detail information was included in my written letter how is it that I now needed to be transferred after asking for documentation that she claims are factual. I asked the representative for her name again for my reference and she replied that her name was XXXX which was not the name that she gave at the beginning of the call. The representative was very rude and ugly with trying to help me with this matter. Not only was this very unprofessional but it makes the company look bad as a whole. 

The inquiries that were included in the letter are as followed : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX )
Credit Collections Bureau is attempting to sue me on a debt that is my father 's debt. I called the original creditor and they confirmed this. When they went to file suit they did not provide any documentation that the debt was mine. Only the legal assignment to the courts. I am infuriated. XXXX, the account rep, was very rude when I figured out that I may not owe this. She told me that there is nothing that can be done until they hear it from the original creditor. Credit Collections Bureau is not a nice place to do collections. They are very rude when you try to settle or tell them they need to wait while I figure something out. I am looking into an attorney because the way they are treating me is not okay.
XXXX XXXX XXXX has never notified me and or the medical company has never notified me of a debt owed i have no knowledge of this debt this is fraudulent
Any and all medical bills reported by any agency on to any credit report are to be paid by the XXXX XXXX. I 'm medically retired and they fail to provide proper medical care. Therefor, they are responsible for any past, current and future medical bills. Also, I have never owed any XXXX bill and do not owe any money to XXXX XXXX XXXX. Those are mistakes made by those companies that I had contacted them to discus in the past, with no acceptable outcome. There should be no derogatory remarks or any open accounts on my credit report, as I do not owe any debt collection agency or reporting companies.
Barclay Bank of Delaware is reporting a debt of {$2200.00} on my XXXX Credit report. In my past CFPB dispute I was advised by Barclay that this was a valid debt and in speaking with the office of the president staff member XXXX XXXX, he was able to hear on a phone call where the Barclay staff member had formally told be incorrectly that the a XXXX had been issued and the debt was cancelled, which is what I have always been told. Two days ago XXXX XXXX told be to contact XXXX XXXX XXXX to settle the account as they were now the one 's handling it. The phone number he provided no longer worked so I called him back to let me know. Today he said Barclay was actually recalling the debt and I could work with them, no explanation was provided for the recall. He provided the phone number XXXX ext XXXX to address the balance. After finally reaching someone at this phone number ( XXXX -Employee ID XXXX ) she stated that she can see that XXXX had the account and Barclay issued a recall but stated there is no way at all for her to collect payment on this account. How can I be responsible for all their errors, in addition to the fact that they are reporting a balance but won't accept payment!
UNABLE TO WITHDRAW FUNDS FROM CHECKING ACCOUNT. BANK WOULD NOT HONOR CHECK FOR BALANCE SINCE IT WAS AN ELECTRONIC CHECK.
I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below is a full of list of inaccurate items from my Experian Credit Report. 

The addresses below are reporting on my credit and I have never lived at any of these addresses : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Card Date : XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX I Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX/XXXX  Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX  XXXX Date : XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my Experian credit report : Company : XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$580.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$460.00} Company : XXXX XXXX XXXX? 
Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} BELOW is a current account I have that is being reported as late. Which is false I recently purchased a new vehichle and have not missed a payment. 

Company : XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$19.00}, XXXX
Under the New Law effective XXXX XXXX, 2017, any public record data must include name and address as well as SSN or D.O.B in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
on X/X/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out
I check My credit report weekly. I have found that Equifax has a XXXX account # XXXX XXXX XXXX XXXX reporting the amount owed at {$620.00} as of XXXX XXXX 2015. {$620.00} is the incorrect amount. Since this amount reporting is incorrect it should be deleted from my credit report as per FCRA rules.