WillisBack/dataset-financial-user-claim huggingface dataset:
A debt collection company named Firstsource has bought a debt from a Credit Card company named XXXX XXXX. I informed XXXX XXXX previously that this is not my debt. The amount stated I owed was {$1000.00}. I requested several times from XXXX XXXX to show me proof this was my debt, as I had never had a contract with them or entered into any agreement. I informed them I never enter into a contract without signing my wet-ink signature on a document in agreement of such terms. 

This being said, I never opened an account with XXXX XXXX, and XXXX XXXX never showed me proof to the contrary. Now, they have turned over this debt to XXXX XXXX XXXX to collect the debt, which again, I do not owe and never had a relevant account. 

This complaint is about XXXX XXXX, but I thought an explanation was needed to describe how this entity became involved in an unfounded debt. When Firstsource first sent me notification this debt was turned over to them to collect, I immediately replied to what I have stated here ( first paragraph ), that I never opened an account with XXXX XXXX and do not owe any debt, and demanding Firstsource present to me what I asked of XXXX XXXX, a written wet-ink-signed document memorializing my agreement to such a contract ab initio. 

Firstsource replied recently nonresponsive to my first complaint and demand of proof of this alleged debt. They have reduced the amount to {$510.00}, but I owe {$0.00}. This company must cease this correspondence unless they have what I am asking for, a written contract with my signature thereon verifying this agreement exists.
XXXX   XXXX  from  Citi b ank has closed my accounts from several years ago and will not reopen them. even though I have perfect credit. He is discriminating against me for being a victim of fraud. A few years ago my card numbers were stolen, I reported this t o Citi  bank and told them I never received the service or merchandise for these fraud charges. Instead of helping me out, like they have a duty to, especially me being a victim of fraud, they closed my accounts and are fighting me to reopen them.    XXXX   XXXX  responds saying I intentionally misreprested some disputes, he is  WRONG.. tho se are valid fraud charges. He is basically calling me a liar and siding with the merchant. This is wrong and illegal. I have proof I never made those charges, yet he discriminates against me for being a victim of fraud. this is not right and could turn into a class action issue, I have researched  Citibank has been doing this to thousands of people.
On XXXX XXXX, 2017 I received a letter from Hillcrest, Davidson & Associates which used language that tried to make me think they were a law firm. I spoke with an attorney and found out they were a collection agency. The letter said they had been " retained '' and that I had a " pre-litigation claim '' with their office. It also said they would begin " the legal process '' if I did not pay within 20 days. I have 30 days to dispute the debt but that was not on the letter.
on XX/XX/XXXX I purchased a new car. During this process I found out that I had a 30 and 60 day late payment to Prime lending. I have evidence of payments sent to prime lending on time each month. After the XX/XX/XXXX payment received communication that XXXX was now prime lending. upon reentering my online information I had an incorrect account number listed. I found this out with help from XXXX. I immediately contacted prime lending and explained the issue at which time I made the offer to pay in full all monies in arrears at that time. I was told that I could not until the issue was cleared up internally. Apparently when they receive money to an erroneous account it goes into some type of holding account. I then asked what is the process to release the money and I was told finance has to process this. It then took weeks to resolve a laboriously slow process. During this time because I could not make them whole which I did voluntarily admitting my mistake with the account number entry in XX/XX/XXXX my account became 30 then 60 days late. 
this has affected my credit as to the point I can not get a mortgage right now and have just lost the chance to buy a home here in South Carolina. I made payments in good faith that they received and have bank statements that prove that. Right now I have these late payments on my credit report along with a " Dispute '', not totally clear on that, however I want this removed from my credit report as I 1 ) made payments that they received on time and 2 ) once discovering my issue I offered to make them whole and they refused payment.
XXXX , received a offer in the mail from citibank for a citi simplicity card  XXXX  applied on line as instructed  XXXX  received immediate approval and was offered to transfer balances I put in my balance transfer information and hit submit, the response received was " unable to process your request ''  XXXX  I called citibank, was transferred twice ending with  XXXX  in South Dakota, new applications department  ( n ame of department might be wrong ).  XXXX  informed that with this card citi simplicity, no immediate balance transfers were available. I informed  XXXX  that the application process took me there and said I could do it.  XXXX  acknowledged that this is a known problem.  XXXX  could n't take my balance transformation information over the phone because of " regulations ''.     I find this practice to be misleading. The fact that it is a known problem and continues to exist is even more problematic. It appears that Citibank is misleading customers knowingly. This seems to be a simpl e IT f ix, there is no reason why this should happen.
Hsbc is inaccurately reporting on my credit. It is to my understanding that how long a credit item reflects on your credit for negative reporting is determined by the date of the last activity on an account. It is a serious violation of federal and state laws to not accurately report that information. Hsbc is reporting completely different dates on all XXXX credit Bureus which was disputed and came back as reported accurate. This is a violation of my rights to have an accurate credit report and a total disregard for law.
To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with XXXX, XXXX, and XXXX. The credo bureaus remove it, however Chase Bank continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at XXXX to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for Chase Bank to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : Chase CFPB Complaint : XXXX Credit Bureaus Complaint ID : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Thank you for your assistance.
So I paid a payment to pay off credit card it was XXXX balance in XX/XX/XXXX I paid a payments in XX/XX/XXXX no paymnets in XX/XX/XXXX and 3 payments in XX/XX/XXXX including the pay off so XX/XX/XXXX comes around my XXXX paymnet got returned so instead of them contacting me they closed my hey your payment returned they closed my acct they said it was closed because returned check did n't give me opportunity to pay and told me they are gon na charge it off rudely I may add on XX/XX/XXXX I contacted them that 's how I found out about this situation now reason my check returned was because I 'm going thru litigation with my brother over our company and he returned check with my funds messy situation but I offered to pay my credit card balance to XXXX from what it is now I thought me having this card for 4yrs would n't be a big deal so they said I 'm 124 days past due cause my cash payments in XX/XX/XXXX was n't what was owed so they do n't count it as payment basically do n't care about my situation I spoke with collections and basically they do n't care even tho I can pay down balance to under my available credit it 's closed and they wo n't re open cause I 'm 124 days past due which is un true if u count my XX/XX/XXXX cash payment
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported fraudulent information to XXXX, XXXX, and XXXX   credit bureaus regarding an account they claimed to have purchased from XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX committed fraudulent acts and deceptive trade practices against me by 1. selling the closed account to XXXX XXXX XXXX , after the account was discharged through bankruptcy in XX/XX/XXXX ) 2. XXXX XXXX XXXX   reported the account as being opened in XX/XX/XXXX, which is also false. The mentioned account was closed and discharged in XX/XX/XXXX.
XXXX  and XXXX  removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On XXXX  the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free
I purchased a pair of shoes and the wrong pair of shoes showed up. I tried to return to the seller ( XXXX ), but the return email address would only throw me into an endless loop of email example I send back a response and get over 30 replies back within 10 minutes from some robotic system. 

I then tried to use XXXX dispute and it would not answer the call, so I called discover card who actually funded XXXX account. The rep could n't get them to answer as well. So they agreed to talk to a manage read get back with me. They never do. I went through this process with them 3 times. NO one has ever contacted me back.
I had deferred payments set up while I was going thru a hardship in XXXX when my loan was with XXXX XXXX, then again in XXXX. When I reviewed my credit report the account posted as late. Those accounts should not have posted negative since I called the company and let them know I was in between jobs and needed to defer my payments.
after typing in my personal information and requesting a free thaw on my XXXX credit report, I was asked to pay a feed.
credit agency continue to report " PUBLIC RECORDS '' ( XXXX XXXX MAGISTRATE COURT ) account not mines and outdated since 2010 over 7yrs olds and reported on file 2 times same data/ dates ... violates " FCRA '' provision 606 and 623 ( a )
I had a 12 months CD with Discover Bank with a Maturity Date of XXXX XXXX, XXXX. Discover Bank broke my CD, canceled my account on XXXX XXXX, XXXX and sent the funds to the Treasury of Pennsylvania in a escheatment process. Discover Bank did not send me any warning or notice of this action either before or after the fact and they took this action with out my consent. I would not have even found out this action took place if I did not call the bank on XXXX XXXX, XXXX because of the missing XXXX INT for this account for tax filing purposes. This 12 months CD automatically rolled over into a new 12 CD unless I told the bank otherwise during the grace period before the new 12 months CD started. I did receive a notice about this dated XXXX XXXX, XXXX. When I spoke with Discover Bank and found out about this action on XXXX XXXX, XXXX, I asked the bank to retrieve the funds from the Treasury of PA. Discover Bank told me that the funds have already been sent and is " out of their hands '' and that I should contact the Treasury of PA to get my funds back. I then called the Treasury of PA and they told me that the funds will not show up in their system until about 6 months time. The Treasury of PA then told me to call back Discover Bank and ask them to retrieve the funds because they were only recently sent. I called back Discover Bank on XXXX XXXX, XXXX and told them that the Treasury of PA suggested that they retrieve my funds back for from from the Treasury of PA. Discover Bank told my " they do n't do this '' because the laws are different in all XXXX states. Note, there is a form for financial institutions to retrieve customer funds from the Treasury of PA on the Treasury of PA 's website. But, Discover Bank was unwilling to do this for me. Discover Bank should not be allowed to offer CD 's that automatically roll over if they are going to confiscate the funds from such CD 's through the escheatment process. I feel cheated and I was cheated. The CD that I had with Discover Bank was in an interest baring account. And, now my funds from this CD have been sent to a non interest baring account at the Treasury of PA for possibly 6 months or more if I am able to get my funds back at all.
In XX/XX/XXXX, I had contacted Navient to change the loan type to a graduated interest 30 year loan. At the time, I was told that it didn't make sense to consolidate my loans, because I'd essentially be paying the same amount every month regardless. Additionally, I was informed that the loan qualified for the Public Service Loan Forgiveness Program. I inquired about this since I was XXXX at the XXXX University of XXXX XXXX  as an XXXX, and was working full time at the XXXX XXXX XXXX XXXX/XXXX ( XXXX  ). 

Three years later, in XX/XX/XXXX, I attended a financial health workshop during the XXXX XXXX XXXX XXXX 's XXXX  XXXX conference. At that time, I was informed by the facilitator that my loan in fact DID NOT qualify for the the Public Service Loan Forgiveness Program. I was provided information regarding which loan types qualified, the need to have all of the loans consolidated, and that I needed to certify with my HR department at XXXX of my full time status every year for 10 years, and needed to make 120 on time payments. As a result, I paid on loans for three years without it counting toward the 10 year period for the Public Service Loan Forgiveness Program. 

Early last year, I consolidated my loans. However, it appears that the amount of the consolidation is more than what my total amount of loans were. 

I only recently learned that New York State has joined a class action suit along with XXXX against Navient, and hope to be part of that suit. In the interim, I'm hereby lodging a formal complaint against Navient and its mishandling of student loans and providing false information to borrowers.
I specifically told my auto loan company ( XXXX XXXX Toyota Finance ) I would not give them the name of my workplace or the number. The following day they contacted me at work.
This morning I checked my credit report with XXXX and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.
Hello how are you doing? Fine I hope. Im sitting here soooo confused. Ive been trying to dispute some inaccuracies on my credit report but for some reason Ive been getting nowhere. I think my proof of my identity may be an issue. Im just lost because I feel like Ive exhausted all options to get this cleared up. Can you take a look at these accounts for me please? I would appreciate it. 

I see several medical accounts being handled by XXXX XXXX XXXX. Do you know that theyre operating under an inactive license? In the state of Louisiana this is illegal. Please remove these accounts. 

2. XXXX I have never done buisness with not have I been contacted by this company. 

3. XXXX XXXX Please furnish me with a medical release form Im sure Ive never given this company permission to access my medical records. 

4 XXXX XXXX XXXX This company is reporting inaccurate and misleading payment information. Please remove this account. 

5. XXXX XXXX This company has made a mistake. I was never late. 

6. XXXX XXXX XXXX This account is reporting several inaccuracies.
I sent a dispute letter to Equifax certified mail and after 45 day I have not received a response from credit bureau.
I was a loyal Chase credit card customer for almost a decade. In XX/XX/2016 I left my job and it took me two months to find a new one. Chase has been repeatedly calling me - I find several messages on my caller ID every day. 
When I landed a new job, I spoke with Chase on XX/XX/2016 and informed them I was starting a new position and I would be able to catch up XX/XX/2016. The person on the phone said he 'd note this, and the calls would stop. 
The calls did not stop : on XX/XX/2016 I answered the phone and was again told I was late. When I asked the person on the phone if there was a record of my previous conversation, she said there was but " company policy is to call every five to seven days to see if anything has changed. '' This is absurd : I informed them when I could pay them, there 's no reason for them to be constantly calling me when the date has not passed yet. 
Chase needs to follow through on what they promise : if I 'm told the calls are going to stop, they need to stop until the date payment was promised has passed.
For several months I received an Email monthly stating that my Bill Pay account at Wells Fargo Bank.had been debited. I have no accounts of any kind with any Wells Fargo branch. Could this have been one of the fake accounts recently discoevred? Copy of one of the Email follows. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXXXXXXXXXX To : XXXXXXXXXXXX Sent : XX/XX/2016 XXXX Eastern Daylight Time Subj : Wells Fargo Bill Pay : Payment ( s ) Sent Wells Fargo wellsfargo.com Bill Pay payment was sent We have sent the following Bill Pay payment ( s ) : Payee Name ( Nickname ) Amount Sent Date Sent Delivery Date WELLS FARGO FINANCIAL NATIONAL B {$200.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Please note : We have debited your Bill Pay payment account ( s ) for the above payment amount ( s ). It may take up to three business days for payments sent electronically to be posted to your payee account. It may take up to five business days for payments sent by check to be delivered to your payee. 
If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on to send a secure email. 
To unsubscribe from this notification, please sign on to Bill Pay. 
wellsfargo.com | Fraud Information Center Please do not reply to this automated email. Sign on to send a secure email.
I recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.
I am a fraud victim of XXXX credit card. XX/XX/XXXX I reported to XXXX amount {$8100.00} was stolen in my account. 60 days for investigate by XXXX policy. But I did not receive anything on XX/XX/XXXX until XX/XX/XXXX from XXXX. I received a letter on XX/XX/XXXX, they wrote that you are responsible to pay this amount and some fee charge. When I called them to resolve my fraud case, they gave to me : XXXX. ( it's cash services ) It's not XXXX services and another number in their letter was scam when I checked XXXX XXXX ( XXXX ) Why XXXX did not find the bad person who used my credit card? 
Why XXXX enforce me to pay this amount and some fee charge that I never use it? 
It's not my fault. Unfair for me.
I was called on  XXXX   XXXX ,  XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution  Cash Advance  and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX     told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by  Cash Advance . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their  XXXX  company on my bank statement known as  XXXX   XXXX   XXXX . I contacted them on  XXXX   XXXX ,  XXXX  and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from   XXXX   XXXX   and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted    XXXX   XXXX    and the agent  XXXX   XXXX  contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of  Advance America  who bought out  Cash Advance . They said they sold the debt to a collection agency who went out of business in  XXXX . My small debt was   XXXX  years old . They also advised me to contact the  XXXX , FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from  XXXX   XXXX   XXXX . Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.
Several loans should have been discharged due to my total and permanent XXXX courtesy of The Department of EdXXXX. However, they are still active and open many reporting incorrect payment account histories that have been disputed.