WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX I received a letter stating I owed XXXX {$200.00} plus dollars for the same att account that was with pro-collect back in XXXX. ( see attached ). I sent a letter certified mailed to the following locations a XXXX XXXX and A physical address to XXXX XXXX. XXXX XXXX XXXX XXXX. This company has refused to verify the debt owed according to the law. the reselling of an unverifiable debt. This collection agency has not verified this debt and they still continue to report to credit bureaus.My rights under consumer protection afforded by the FDCPA are continuously violated by this company. FDCPA Section XXXX XXXX DTC opinion letter XXXX from XXXX say this company would owe me {$1000.00} in damages.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
I Received my credit report showing a inquiry from XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX  XXXX. During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. XXXX XXXX XXXX purchased the account from XXXX after bankruptcy was filed. XXXX  claims loan was reaffirmed, it was not. XXXX keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " XXXX ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted XXXX on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. XXXX said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that XXXX XXXX XXXX, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.
I called Penn Credit Corp on XXXX/XXXX/XXXX regarding an account noted on my XXXX Credit report for {$900.00}. The orginial Creditor Name is XXXX XXXX and it was opended on XXXX XXXX, XXXX. I spoke to the representative and she was not able to find any account with my ssn. The only account that was on file was a XXXX XXXX account for XXXX which was removed from their system on XXXX XXXX, XXXX. There was no further information she can find in their system
TRANSUNION IS REPORTING A CLOSED ACCOUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED AMOUNT OF {$15000.00} AS DELINQUENT AND OPEN. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL ONCE THEY REPORTED THIS ON A XXXX REPORT AS ADDITIONAL INCOME WITH THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND XXXX HAVE REACHED OUT TO XXXX XXXX DIRECTLY AND HAVE UPDATED THE INFORMATION THEY ARE REPORTING.I NEED TRANSUNION TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL- NOT AS DELINQUENT AND OPEN.
Adverse Accounts all have last payment and or activity date of XX/XX/XXXX therefore should have been removed as of XX/XX/XXXX. Trans Union refuses to act as a neutral party and instead is acting as a representative of Creditors by refusing to request that creditor provide documentation to support their claims during an investigative dispute all while expecting the consumer to do so. Trans Union refuses to remove accounts which are seven years past first delinquency because creditor disagrees with my dispute while providing no documentation to support their claim. The last activity and or payment dates are were XX/XX/XXXX. According to Trans Union 's website stating the following : " Collection accounts : seven years after the first delinquency Late payments : seven years from the first late payment, even if you 've caught up and the account is current or closed '' Adverse Accounts are as follows : XXXX Date of last payment/activity incorrect for all above account should be XX/XX/XXXX
My mortgage company went from XXXX to XXXX XXXX XXXX to Green tree and has been nothing but Inconsistent communication. As I have tried to establish some form of reasonable payment I have been tossed around like trash. If I was given different deadlines and always tried to reach them, leaving messages asked for a return call. It never happened. My payments were anywhere from XXXX down to XXXX and XXXX with ARM of XXXX % interest. This has been all over the place from the start, My home has been underwater for some time now, My husband and I have even walked from the home after filling Bankrupsy back in XXXX and returned after a year and half when given false hope the bank would work with us, not to mention the company that they had monitoring our home when we left, appeared to have taken all the copper piping. When Green Tree sends you paperwork, often you will recieve several copies from basic mail, XXXX, Certified. With messages to call, or will have unidentified people walking around your house snapping pictures and leaving notes on your door to URGENT! call Green Tree, and when you do, end up leaving messages with no return. I do n't want to loose my home, but this company is not really there to help. This process has taken my trust, my money, my serenity, with no desire to help ones that need it most.
My mortgage company is refusing to remove my PMI insurance even though I meet the XXXX rule. I received a new Appraisal on my home and the new ratio is 77 % on the loan balance. The ratio is 79 % on the original loan amount. I have tried numerous times to get this removed and am getting the runaround. My last call they told me it had to be 75 % which I have never heard before and they can not show me where it states this. In my loan paperwork it states 80 %. No one is returning my calls and customer service claims they cant help me - the Escrow Dept only can, yet they do not have any direct way to get in touch with them. Someone is supposed to call me back and no one is - I 'm at a dead end.
The MIB member insurance bureau is subject to the FCRA under a credit-reporting auspice. They are a collective informational personal health collection agency used by the insurance companies to pool information. They have incorrect data about me, that used to be correct ( XXXX, for instance ) but they are unwilling to correct this despite my doctor 's notes and tests submitted. They wish to retain this patently incorrect information for 7 years. Their reevaluation process is laughable -- they contact the insurers and say " did you say what you said ''? And if the old information is confirmed to 'have happened ' that constitutes a reinvestigation in their minds.
XXXX and Experian are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.
on XXXX/XXXX/XXXX i sent a letter and fax to Equifax disputing a tax lien that appeared on my credit report. I stated that this report is not reporting accurately and that i wanted a proper investigation or to simply remove the account. Under the Fair Credit Reporting Act, the credit bureau must do a proper investigation by contacting the furnisher and get the correct data and report accurately. This was not done at all. the item in question which i am requesting to be removed is below. 

XXXX County Special Civil Co Case or ID # XXXX Equifax responded on XXXX/XXXX/XXXX and failed to do a reasonable investigation on this tax lien which is showing up as a public record. Equifax did n't even bother to contact the court clerk to verify anything. Instead Equifax sent me a incorrect response and resolution to my dispute which clearly violates my rights under the FCRA. I am requesting that Equifax do the right thing and remove this inaccurate trade line off my credit report. 

Equifax Confirmation # is XXXX i have attached my letter sent to equifax and their response.
Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is incorrect
This company has called my employer several times and each time has been given reason to know that my employer does not permit it. They continue to call with various numbers and refuse to state why they are calling.
After several failed attempts to resolve an erroneous balance due on my student loans, it has been determined that I have to file a complaint to get somebody to review this matter. I was contacted by XXXX XXXX several times regarding an outstanding balance due on my student loans FROM XX/XX/XXXX. The balance due has changed drastically over the weeks. My outstanding balance with PHEAA was {$4100.00}. XXXX XXXX is now handing this debt and I entered an agreement with them to repay the balance at a monthly fee of {$5.00} due to unemployment and inability to pay more at this time. XXXX XXXX has changed the balance owed to {$17000.00} on XX/XX/XXXX, to {$18000.00} onXX/XX/XXXX, and it now sits at {$18.00}, XXXX  owed as of XX/XX/XXXX. I have sent several requests for review to set up a hearing, to no avail. As previously stated, I set up a repayment plan with XXXX XXXX so my  income tax would not be affected by this again. I then started receiving letters and phone calls from XXXX XXXX XXXX stating that if I did n't set up a repayment plan with them my income tax would be taken and my wages would be attached. I have not received an opportunity to review or dispute the balance they say I owe and have received any answer except " If I refuse to pay, they will attach my wages and take my federal income tax. '' Finally, my income tax was taken for the year XX/XX/XXXX in the amount of {$4300.00} to offset the student loans owed to PHEAA, however this was never applied to my balance! Nobody can answer where the money went and they only transfer me to different offices when I attempt to figure out what happened to the money they took. That money should have settled the debt I owed to PHEAA, but nobody knows where it went. This started with me owing PHEAA {$4100.00}. They offset {$4300.00}. That would leave my balance in the negative, but nobody will answer my correspondence to request a review. Hopefully this office can get something done in this matter. Thank you!
I have been banking with Bank of America since XXXX or XXXX. At this present time, I find Bank of America to be the biggest criminals out there. In XXXX I opened up and IRA with this company, and I guess the interest rate was okay at the time. Currently my money only nets me {$1.00} a month. On the other end, I have a credit card with this company and they are earning over {$600.00} a year in interest off of me. This is a deplorable way to treat a customer, in fact it is a crime if you ask me. They send out correspondences stating you can get 0 % interest for a certain amount of time, but it is a trap only to get the consumer to pay more interest. I feel that everyone should know about this, this is a trap to keep consumers in debt. Bank of America is for hard working people, but they do not care at all about their clients.
I rented a car on XX/XX/2017 for 1 day, returning it on XX/XX/2017. The cost of the rental was {$1500.00} with a deposit of {$2000.00}. After several text messages back and forth, my deposit was refunded to me in full on XX/XX/2017. On XX/XX/2017 a charge for {$7100.00} was charged to me with the comment of " damages ''. I eventually received an invoice from the car rental company showing what the amount was for, which I believe to be fraudulent. American Express originally stated that I acknowledged the damages due to my signature being on the receipt, however the " damages '' line was added in well after the fact, and I never accepted them. 

The invoice that the car rental company provided shows 3 items : parts for a mechanical issue, labor, and loss of use. This was dated XX/XX/2017 ( when I was originally charged the {$7100.00} ). However the receipt they provided to Amex has my signature dated XX/XX/2017 ( the date the vehicle was picked up at my hotel ). It's not possible for the rental company to have determined all of these costs at the hotel and for me to have acknowledged and signed for them. They would have needed a mechanic to do this and I wouldn't have known the final amount until several days later. It's just not possible for them to have seen these issues, known the cost of parts and labor and loss of use while picking the car up at the hotel. I watched him drive the car off in perfect condition.

That said, American Express encouraged me to work with their car rental claim department on this ( my rep 's name was XXXX XXXX ). She was unable to receive any documents from the rental car company and continued to escalate internally within American Express. Amex told the claim department that they agreed that it was fraud but could not do a charge back since too much time had passed, and therefore I am out of luck. You can see my exchanges with the car rental claim department in the attachments as well as my original dispute documents with this charge.
I have a I do not recognize XXXX XXXX XXXX XXXX # XXXX account. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I owe. I request that XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXXXXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -
I was to added to a XXXX XXXX Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a XXXX XXXX Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from my account.
Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016.
Debt is not verified. We do not have a pud rider on our house. A HOA can not charge fees. HOA did not even register with state until three years ago. We have asked for verification. Did not provide. This debt does not exist and is not valid. We provided this info to collection company, just ignored.
BRIGHTWATER CAPITALC/O XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXXCA N'T FIND ANYTHING ON THEM
My mother became ill with XXXX, and was living with me during her treatment. I believed her mortgage was on an autopay system through her bank because all of her other bills were arranged that way. She XXXX on XXXX XXXX, 2017, without a will. Shortly after her XXXX, she received notices in the mail that she had missed a payment. In XX/XX/XXXX and XX/XX/XXXX, I tried to contact the mortgage company in order to keep the mortgage current until we can sell the property. The company will not provide me with any information at all on how to keep the mortgage current, where to pay, how much to pay, etc. I have sent several payments to the company, with what I think are the right amounts and to the right spot, but foreclosure notices keep coming in the mail. It is like they are intentionally trying to foreclose on this property without even giving me the chance to make payments until I can sell the house.
They are attempting to collect a debt that is not mine. It is a medical bill co-payment for my children under their fathers health insurance. I am not married to thier father. Our divorce states that he is financially responsible for medical insurance and expenses. I have notified the company of this by phone at XXXX. I have been getting repeated collection letters. After calling to notify the company that I this is not my debt on XXXX/XXXX/2015, I was yelled at on the phone by the answering representative who demanded to know my relationship to the insured and insisted that as a parent I was " 100 % responsible for the bill. '' I asked to speak with her supervisor. She then told me she was the supervisor. I asked to speak to her supervisor, after a brief hold, I spoke with a someone who identified herself as XXXX XXXX of Credit Clearing House of America ID # XXXX. She states that she has no direct phone extension and that the only other supervisor is XXXX XXXX, also with no phone extension. She refused to provided me a name for an owner or higher up representative of the company. She states that it is not her responsibility to investigate this claim and suggests that I send a letter addressed to the unnamed " owner. ''
In XXXX of 2016, while reviewing my credit report, I noticed a collection from XXXX XXXX XXXX for XXXX in the amount of {$700.00}. Upon further investigation I found the account was open with an address I never lived at & the social security number used was similar to mine. The 5th & 7th digits were incorrect. I immediately filed disputes with XXXX & XXXX. Both agencies responded " Result Verified-No Changes ''. I then filed an Identity Thief Report with the FTC and sent letters to XXXX request they provide copies of the paperwork used to open the account ; copies of bills with phone numbers called ; any & all information showing when, where & by whom the account was opened. I filed a total of 8 disputes with the Credit Bureaus & all that was resolved was the wrong. They continued to claim the account was mine, but stated they COULD NOT provide me with any information regarding their investigation. XXXX never responded to my letters. Today, I received a collection letter from XXXX XXXX XXXX How I need to start the letter writing process with Convergent.
Macy 's, now for a third time in as many years charged me a late fee of ( this time ) {$27.00}, plus an interest charge of {$5.00} on my most recent statement balance due of {$280.00}. I mailed the balance of {$280.00} last month ( from XXXX, XXXX to XXXX, XXXX ) on XX/XX/2016. The payment was due on XX/XX/2016. Macy 's posted the payment in their system on XX/XX/2016 ( one day late ... conveniently ) which resulted in them charging me the late fee and additional interest charges. As above, they have done this to me before, and when I call customer service, they are " happy to reverse the late fees and interest for a valuable long time customer. XXXX ( customer service rep # XXXX ) stated that " we always waive fees if our customer is upset ''. I confirmed with her that the call was being recorded. I have closed the account, but I 'd like this investigated. I believe they purposefully hold checks for posting until the account is late, for the purpose of adding late fees and interest. 

I typically have paid my balance in full with them as soon as the statement comes after I have used their card. Again, this is not the first time they have done this to me, and I see quite a few complaints about similar behavior with other consumers on the internet. 

I am happy to share statements or any additional details you may need to properly investigate this matter. 
Thank you!