WillisBack/dataset-financial-user-claim huggingface dataset:
It is a known fact that XXXX XXXX XXXX XXXX XXXX XXXX employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown XXXX XXXX XXXX XXXX XXXX XXXX employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance XXXX XXXX XXXX XXXX has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year XXXX XXXX XXXX XXXX XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted XXXX XXXX XXXX XXXX XXXX in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and XXXX XXXX XXXX XXXX XXXX XXXX has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of XXXX XXXX XXXX XXXX XXXX XXXX on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit file.
XXXX  collections on my report are wrong and should never have been put on in the first place!  1  )  XXXX   XXXX  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  XXXX  refuses to verify this info with   XXXX   and   XXXX    ( I d o n't know about experian ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!
XXXX XXXX had lost my payment and cashed it 2 weeks later. I wrote to them, called them, and sent proof of the cashed check. They submitted a report to the credit bureau saying that I was late anyways. I put in a claim with experian along with all of my proof of payments and also sent a copy to XXXX. Experian did absolutely nothing to research this and did not even look at my proof. XXXX contacted me saying that it was a different month instead and so I got the paid check for that month, They kept changing the month or making excuses as to why the credit report was right. I had absolutely perfect credit for 25 years. I paid every XXXX payment on time for 6 years. They refuse to help. Their customer service is incompetent and seems to lie just to get off of the phone. Experian has the proof that I paid in XX/XX/XXXX and yet the credit report says I was late in XX/XX/XXXX, I have the payments for XX/XX/XXXX and every month so someone should do something. Both companies are incompetent and it could be easily solved by fixing my perfect credit rating back to the way it was before XXXX 's mistake. I refuse to lease with them again because of this and am thinking of seeking legal action for both as they will not help.
Issue with : AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX They are calling me about a debt with XXXX communications that isnt valid. I called XXXX and my balance is XXXX. They keep calling and havent validated the debt. One of their employees lied to me and said they are a XXXX  employee but when I called XXXX I was informed this wasnt true. I am ready to file a lawsuit.
An un-authorized Inquiry was made on my credit based on an old address. 

Institution Information Syncb/walmrt XXXX, FL XXXX ( XXXX ) XXXX On XX/XX/2018 This is possible Identity theft and this should be removed from my credit report.
I discovered a lien on my credit and after calling around for hours was able to find out that it was levied by the State of Ohio due to issues with filing in 2014. Reliant Capital Solutions was supposedly employed by the state to collect on this debt. Reliant Capital Solutions refuses to acknowledge that I have worked with the State of Ohio to resolve this issue and insists that I owe over {$2000.00}! In actuality, the State owes me {$160.00} for tax year 2014. XXXX ( refuses to give last name ) at Reliant treats me extremely poorly and refuses to acknowledge that I do not owe monies to the state. His only concern is when will I send him a check in excess of {$2000.00} to remedy the debt ( which I do n't even owe ). Please check with the BBB and run a XXXX reviews search to see dozens, if not hundreds of similar complaints. I believe reliant is a fraudulent company and they should be investigated. I guarantee they are breaking laws and praying on innocent people who do n't know better than to contest the claims of this company. Please investigate them and put and end to this extortion! ( I have attached copies of my 2014 XXXX and state tax filing to confirm my report. )
I had an account with Santander Consumer USA that was charged off in XX/XX/XXXX with a balance of {$2600.00}. There was no receipt or notification of deficiency, nor the right to cure or notice of sale. I requested account and balance verification in XX/XX/XXXXwith no response to either attempt. I then submitted a dispute XX/XX/XXXX again asking for account and balance validation, as well as XX/XX/XXXX. Again I received no response yet the balance on the account is updated to now reflect {$4600.00}. In XX/XX/XXXX the account now reflects a single payment in the amount of {$370.00} was made and the balance has decreased to reflect {$3400.00}. I did not make this payment and have not made a payment on this account since XX/XX/XXXX. The account updates again in XX/XX/XXXX showing a balance of {$4600.00} another update to the account was made today XX/XX/XXXX again with a new balance now of {$4800.00}. This company does not provide adequate customer service nor are they interested in providing any information in regards to my situation. Not only that they are updating a closed with false information. I have tried to rectify the matter with no help from the company.
I have been a Discover credit card holder since 2007. During my entire membership with Discover, I was never late with payments, and always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a month ago, without any notice in advance, Discover closed my account and thereby wiped out my existing cashback rewards of {$300.00}. I contacted the company and demanded for an explanation. However, the only reason I got is " we are no longer able to meet your servicing needs '', and I was told the rewards will be mailed to me in a check. Now, after 6 weeks, I still have n't received any check from Discover regarding my rewards. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this.
My mortgage company advised me XX/XX/XXXX that it would suspend all collection and interest activity due to me having experienced a home fire and the home not being habitable. Since XXXX MT Bank has held funds in excess of {$89000.00} and is aware of my intent to payoff the principal balance due, especially since they had failed to cease collection, interest and unlawful escrow practices. I spoke with a supervisor XX/XX/XXXX who assured me that all erroneous interest and escrow balances that have increased the amount due since XX/XX/XXXX would corrected, removed and my payoff balance adjusted accordingly. The deadline she gave me has passed and no thorough investigation or ownership of my unique situation has occurred. I have spoken continuously with representatives from MT Bank, and kept logs of all correspondence since XX/XX/XXXX, and have constantly received confusing and incorrect information regarding my intent to pay off the principal loan balance of {$68000.00} as reported on my credit file and have the difference of my withheld funds in the amount of {$21000.00} returned to me. Currently they remain in violation of the Act and continue to hold my funds unlawfully with no interest accruing in my favor.
Regarding case # XXXX, how much time does Ocwen need to make a copy of the filing they have been claiming 'for months ' that they filed with the county? 
The question regarding as far as to why has their 'collection department ' being the one handling this loan when the loan was never on collection should also be an easy answer they should readily provide Why does the investor on whose behalf Ocwen was servicing the loan, wants to keep the note. I think that in this case CFPB should intervene and question the issue.
Ever since I was forced to file Bankruptcy in XXXX 2008 I have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly XXXX Credit Report is what Credit Check Score is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as XXXX. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well.
Very Respectfully, XXXX XXXX XXXX XXXX
XXXX XXXX XXXX Veteran
In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
I am on a few supposed " safe '' XXXX groups that were created to buy and sell high end items such as XXXX XXXX, XXXX, XXXX, etc ... ... .purses, shoes, accessories ... .. 
In order to buy or sell in these groups, you must only use paypal, and therefore there is no one as the middle man as far as a " site to sell ''. Therefore when myself ( the seller ), creates my own invoice via paypal, I can write it up in ANY WAY THAT I WANT FOR MY " business ''. 
I advertised a XXXX XXXX handbag, authentic, in great condition, not brand new, and made sure to send well over 40 pictures to the buyer to makes sure she was aware of the condition of the bag, because in my invoice it clearly states : " PLEASE LOOK OVER VERY CAREFULLY, IF YOU HAVE MORE QUESTIONS PLEASE CONTACT ME. BUYER AGREES THAT ONCE THEY MOVE FORWARD AND PAY FOR THE ITEM, ITS A BINDING CONTRACT. IT IS SOLD AS IS, NO RETIRN OR EXCHANGES ALLOWED! '' I sent the bag out asap, on XX/XX/2018, VIA XXXX priority mail with signature confirmation. She received and signed for the bag XX/XX/2018. That night well after XXXX my time she rudely contacted me vis XXXX XXXX stating she didn't want the bag and she would be returning it. Wait what? I think she forgot we had a binding contract. Although PAYPAL, even though they are NOT A BANK, and only registered as a payment processor for online venders, auction sites and other commercial use. The fact that they think they can inter vein and allow us sellers to break our contracts that we have a legal right to enforce, is not only unethical, but illegal. They allowed her to supposedly send the bag back, with tracking BUT no signature confirmation. I never received it! Paypal decided to not only take my {$400.00}, but I STILL DO NOT HAVE MY BAG! This is not only fraud, but PayPal allows the fraud to happen, which should not be allowed! The fact they are not a bank or FDIC insured, they should not be allowed to hold any money over 24 hours, in the event something happened, our money is not protected. I am well aware that Paypal has been operating in a very gray area for over 20 years, and has continued to defraud consumers. As a XXXX XXXX and wife of a highly XXXX  XXXX XXXX veteran, I am completely appalled that this happens to innocent people. I hope that you can see what a serious problem this is and hopefully help me rectify the situation asap.
American express listed my business card with them as an individual account on my personal credit report. That was never an individual account it was always a business card. They need to prove that it is my debt and that I agreed to joint liability.
Wells Fargo opened a credit card under my name which i never applied for. Wells Fargo charged my account fees for that credit card. Wells Fargo ruined my credit by opening a credit card and opening accounts under my name which were never authorized.
Synchrony bank has been cancelling my cards and/or lowering my available credit based on ( they say ) some score from XXXX. The ONLY negative impact to my score is what they are causing and then they use the negative impact to do it again! I have contacted them and the only answer I can get is they " use a score provided by XXXX '' I have been working very hard to get my score back up after a bankruptcy and it was working until they started doing this practice. My payments are on time and I have lowered my balances which should have a positive impact but the harder I try the more they defeat what In have accomplished. They even cancelled a card that had a XXXX balance! They have a monopoly on store cards so this is a VERY big problem for me
XX/XX/XXXX, Great Lakes told me that my student loan payment was jumping up from {$270.00} a month to {$560.00} a month because I made a few thousand dollars more than the year before. That would be the payment under income-based repayment. I called and asked why my payment was almost doubled considering I only made a little more than the year before, and no one could give me a good answer. I asked if there were other options, and they said that I could pay {$5.00} to apply for the PAYE program. While this was going on, I had also hand-written a XXXX-page letter explaining that I could not afford a $ XXXX monthly payment, asking for a reconsideration of this amount. I faxed them this letter and mailed it to them. When I called again to check on the status of my application, I was told that I was not eligible for the PAYE program. I asked why I was made to pay a {$5.00} application fee if I was never eligible. I did n't get a good answer but was told that I could apply for the REPAYE program to get my monthly payment down. To make a long story short, I keep getting emails and letters that my income-based application is in process and that my $ XXXX monthly payments will begin on XX/XX/XXXX. I have called them probably a dozen times by this point to ask again and again for the status of my REPAYE application, and I keep getting the run-around. Every time, it 's a different story -- '' We need a paycheck stub. The application is still in process ( after several weeks ). Your payment will be {$560.00} a month. '' I have given them all of the information they need to make a decision on my REPAYE application, and yet it always seems to be in process. I even asked to speak to a manager last time who said she would make a note to rush my REPAYE application, only to get another email from them about my income-based repayment. I 'm tired of constantly calling them and getting the run-around. I feel like I am being pushed to make a payment I can not afford -- a payment which has no justification based on my income -- or pushed into forbearance where my interest will continue to compound and accrue. I am trying to pay off my student loan in earnest. I need a straight answer from them with regards to my REPAYE application. I need a lower monthly payment than {$560.00}. I 'm not sure where that number comes from. Can CFPB help, please?
I 'm trying to sign up for a company called XXXX. My error Message is td bank is blocking you from enabling external applications
I received a collection agency notice today in the amount of {$2200.00}. I have never received any bill and do not owe this.
In reviewing my credit report, I notice d a Hard Inquiry f rom  XXXX   XXXX  on    XXXX   XXXX     2016. I ma de no attempt to apply for any credit through   XXXX   XXXX  , and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.
On XX/XX/XXXX, I purchased a XXXX  Buick Regal that was financed through GM Financial. 
The following week, my dealership filed Chapter XXXX Bankruptcy ; hence this caused a delay to obtain the title to register my car. 
I began to speak to GM headquarters starting on XX/XX/XXXX ( XXXX XXXX ext. XXXX ), GM Headquarters said they couldnt assist because the dealership was locally owned and operated. 
XX/XX/XXXX I called GM Financial to check the status of my loan. I was told the funding manager would not fund the loan until the title was transferred and the taxes were paid. 
My loan included the taxes and all dealership funds were tied up in the bankruptcy, so the dealership was unable to pay the taxes. 
I personally never seen the title work but confirmed with my dealership they had it as of XX/XX/XXXX. 
When I began to work with the Missouri Attorney Generals office, I was put in touch with the dealerships floor financer ( XX/XX/XXXX ). 
XXXX was willing to pay the taxes and any warranties, to close my deal. 
On XX/XX/XXXX, I called GM Financial Funding dept. I spoke to XXXX and found that GM Financial returned my loan papers back to the dealership on XX/XX/XXXX and my loan was never completed in their system. 
On XX/XX/XXXX, ( I spoke to XXXX a funding manager ) I requested a letter for my records from GM financial to state the status of my loan and to be grandfathered into a new loan with another dealership and was told they would not send the letter and they would not be able to help with a new loan that it is handled by dealerships only. ( He referred me to XXXX XXXX XXXX ) Both XXXX and myself left separate messages for XXXX XXXX at GM Financial and I was not provided a call back. 
My complaint is that I was discriminated by GM Financial for my dealership filing bankruptcy. I have an almost perfect credit score and should not have any issues with obtaining a loan. I didnt file chapter XXXX bankruptcy so why was I denied the loan without notice. 
On XX/XX/XXXX, the dealership closed their doors as ordered by the Bankruptcy court according the Attorney Generals office.

The loan was originally for 0 % interest with a 72 month term. 
I was denied a discount for purchasing a new GM/Buick automobile for my troubles ( per the GM Headquarters speaking on behalf of the GM rep that covered my dealerships division ). 
GM Financial caused additional ciaos by not funding my loan since my taxes were rolled into the loan.
I took a test drive at XXXX IN XXXX, ARKANSAS on XXXX XXXX, 2015 and specifically ask if they would run hard inquiries because I just recent had the last XXXX removed. They said " no hard inquires would be ran '' and they had XXXX banks run hard inquires which lowered my credit score XXXX and assumed 2 year expiration period. I did not authorize any hard inquires. Can you please help. 

Thank you, XXXX
This item is wrong and inaccurately reported on my report for a while now under different names, first started as XXXX XXXX XXXX, and now it 's listed as XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX XXXX XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : collection agency : XXXX original Lender : XXXX XXXX XXXX balance : {$400.00}