WillisBack/dataset-financial-user-claim huggingface dataset:
Kirschenbaum, Phillips & Levy P.C. in an attempt to collect a debt they have illegally placed a levy on our checking account. My family has no access to funds to pay for childcare, diapers etc. Kirschenbaum & Phillips did not have the authority from XXXX University at the time of their banking hold to work on their behalf. They were operating without consent of XXXX University and withheld access to my banking accounts using outdated documentation. And while doing so, attempted to collect over {$20000.00}. Over the course of four business days, they told me XXXX different amounts of money that they HAD to receive before being able to remove the hold on my accounts, and went so far as to demand pay stubs and banking transaction information. 
We have been in contact with the original debtor and they have stated that they no longer have a contract with Kirschenbaum , Phillips & Levy P.C.. However, Kirschenbaum, Phillips & Levy P.C. refuses to release the hold.
XXXX XXXX : XXXX : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX  on XX/XX/XXXX.
I put a freeze on my credit report with Experian on XX/XX/2018. At the time that I put the freeze into effect, Experian notified me that a freeze PIN would be mailed to me so that I could unlock the freeze in the future. As of XX/XX/2018 I have not received the PIN. I tried three different phone numbers on Experian 's website including a number for customer service. There is only an automated system with no option to speak to a customer service representative and no options to report this issue. There is no email contact information for Experian either. Therefore there is no way to contact them to let them know I did not receive the PIN. I will be contacting my state and Federal representatives in addition to filing this complaint. 

It should be noted that both XXXX and XXXX allow a person to set own PIN number for future use.
I have a private student loan with Chase which has since been managed by XXXX but is still reported through Chase. I have never been late and in fact I have constantly paid more than the minimum payment so that my next payment is n't even due until another 2 or 3 years. I tried to release my cosigner and submitted all the necessary documentation. My request was denied and my concern is that they will not tell me why. All I was told is that I can try again in the future. I do n't know if my request was denied due to credit score, income level, length of loan history, or any other factor. I do n't think this is right because I do not know what steps I should correct to get my cosigner released. For example, if it 's credit score I can improve it and try again. But if it 's income level then that would be harder to correct in the short term and it would be a waste of my time now to keep trying and dinging my credit score. 

Is there any recourse? I 'm not asking for proprietary information, I 'm just wanting to know the reason why. I called multiple times and I was told they ca n't give me their credit thresholds because it 's proprietary. I do n't care about the exact number, all I need to know is that my score is below their minimum or my Debt to Income was above their maximum, something along those lines. Do student loan providers not have to give a reason at all for denying the release of a cosigner?
This is not my debt. I have no signed contract with National Credit Management. I have never done business with this company, and therefore am not obligated to pay on this debt.
I HAVE SENT 4 LETTER OF VALIDATION TO CREDIT REPORTING AGENCIES FOR A LATE PAYMENT SHOWN ON MY MORTGAGE ON XX/XX/2017, THEY HAVE FAIL TO PROVIDED ME WITH NAME OF PERSON, PHONE, FAX OR CONPLETE CONTACT INFORMATION TO WHOM THEY HAVE SPOKEN TO VALIDATE THESE LATE PAYMENT .THAT I F A VIOLATION OF FCRA , THEREFOR I'M REQUESTING THEM TO DELETE THIS LATE PAYMENT BECAUSE IT HAS BEEN MORE THAN 30 DAY AND THEY HAD NOT PROVIDE 100 % ACCURACY.
Sir/Maam : The Issue was im mistaken to sent money to my nephew using XXXX names which is " XXXX XXXX XXXX XXXX ". dated XX/XX/2017. i found out that he is only using one name which is only XXXX XXXX XXXX . Tracking number XXXX in western union.
Hi my is name   XXXX   XXXX  . Im working with my servicer Select Portfolio Servicing ( SPS ). Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called in to SPS asked them whats the status and they tell me that they will continue to foreclose on my home. They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?
Sometime in the past I had disputed the medical bill I received from the hospital and then later I received a call from the collection agency ICS. At the time of service I had XXXX and conveyed to the hospital that the bill would need to be billed directly to XXXX and there was no other insurance. That same month I had services at the hospital with another department and they verified that I had XXXX and billed to XXXX. The XXXX services that I received that were sent to collections were indeed covered by XXXX. I was told by the hospital and the collections agency that even if they billed the services to XXXX that it could take too long to pay in and they were demanding monies over the phone or I would be sent a bill for collections. Spoke with the hospital and was told that the bill is covered by XXXX so the balance would not be sent to collections. 

Fast forward to XX/XX/XXXX, the account was placed into collections and is affecting my credit score. I never received a written notice that this account would actually be placed in collections. The hospital never informed me that the balance was no paid by XXXX and I was told the situation was resolved from the last communications back in the fall.
I have paid for Experian 's credit monitoring for the last 3 weeks. ( Today 's date XX/XX/2018 ) I have gotten alerts ( Which I have screen shots of ) and when I logged into my account I could not see what effected my credit. Then they had a tab that said new collections were filed with a total amount of {$370.00} due and when I clicked on the link to see what the " New collections '' were they only showed accounts that had been on my report for over 5 years. I am writing you because I feel that the company 's process or whatever you'd like to call it is manipulative. They send you an email stating your report has changed then dont provide any information as to why its changed. I believe this to be fraudulent and not a fair or honest way to practice reporting. I am bringing this information to light in hopes that it is looked into. If you need any help at all or need to call me I will provide my information below to assist with anything to help you investigate Experian. 

XXXX XXXX XXXX
Portfolio has consistently refused to remove incorrect information from my credit reports even though I have ask them several times. They have sent several " verification '' documents to my house but they are insufficient. This is time barred debt and the date of first delinquency is over 7 years. I have enclosed what they are reporting on my reports and also I have enclosed what they are sending me as " verification ''.
On XXXX XXXX 2016 I placed a stop payment for a transaction from XXXX XXXX. The stop payment was setup incorrectly by the bank ( wells fargo ). Instead of the bank addressing the error. I was told I had to file a claim under the regulation E guideline. The bank admitted it made a clerical error. However they are stating I have to file a claim for a electronic transfer. I believe this is a bank error and would like to have it addressed as so. 

The clerical error is that the XXXX TRANSACTION was present as XXXX however was setup as XXXX. 

If the stop payment was setup correctly the transaction would have not posted to the account.
I FOUND ON MY CREDIT REPORT THAT ERC PLACE A COLLECTION FOR XXXX, I HAVE REQUESTED TO ERC A VALIDATION OF THIS DEBT
I am the seller of a {$470000.00} home. I was scheduled to close on this sale the morning of XX/XX/XXXX at XXXX XXXX. At XXXX XXXX on XX/XX/XXXX, I was informed that the buyer 's mortgage company, First Mortgage Company, was merging with XXXX XXXX, a lawsuit blocking the merger had been filed and First Mortgage Company 's funds had been frozen as a result of this lawsuit. Consequently, the closing of the sale of my home was delayed indefinitely.
I sent a letter to XXXX XXXX, the CEO of First Mortgage Company, explaining and documenting that each day my closing was delayed cost me {$160.00} in mortgage interest, property taxes, utilities and insurance. XXXX XXXX was not accepting either emails or telephone calls. I sent the letter of complaint to XXXX XXXX, the Manager of Loan Administration, who said she would forward it to XXXX XXXX I have not received any reply.
I explained in my letter to XXXX XXXX that First Mortgage Company 's merger plans notwithstanding, I should not have to bear the financial burden of their malfeasance. I had a fixed closing date, I made commitments to my creditors based on that assurance, and to have it summarily cancelled with one day 's notice and no compensation is unacceptable.
We have since closed on the property onXX/XX/XXXX, 9 days late, and I am out {$1500.00} as a result of First Mortgage 's mishandled merger.
I am writing concerning my below. I am retired with one income. I had everything ok until the past few months. I made a complaint but M & T used my ex-husband 's account. The employees do n't know what is going on with my account and I have tried everything to get answers to no avail. I have applied 4 different times for repayment assistance and have heard nothing back. I need help and ca n't lose my home. Someone needs to investigate M & T because they are awful and are incompetent. Please help me I do n't know what to do. M & T keeps mixing up the two accounts and I feel I have done everything to fix this. I feel they owe me to fix this. I feel my account should be caught up to date without any negative affect on my credit. M & T should write off my past due and clear my account back to up to date and good credit rating. Thank you, XXXX my account number is # XXXX. Home equity Please make sure M & T gets it right
This is my third complaint to the Consumer Financial Protection Bureau regarding the bankruptcy that Experian is reporting under my credit file. I have repeatedly asked Experian to validate that this bankruptcy belongs to me and that it is being reported correcttly. They have responded it is VERIFIED In the FCRA, verification is not VALIDATION and I, the consumer am entitled by law to validation. Experian said they verified it with a third pary agency but furnished me no proff of how it was verified and the process which again. I the consumer am entitled by law to know who this third party vendor is and the the process used.. Experian has given me neither item that has been repeatedly asked for. They have violated MY RIGHTS as a consumer and I want this item deleted immediately from my credit file. That is the only result that i will accept.
I was received a letter from the " FIRST CREDIT SERVICES '' stated that I owed {$370.00} to XXXX XXXX XXXX XXXX FL Original Creditor that I have 30 days to answer. 
I send a letter to dispute the validity of the account before the XXXX day notice. I did not received any answer from FCS. Then I received a notice from XXXX XXXX stated that FCS sent my account toXXXX. They did not give me any chance to negotiate with them before sending my account to Credit Bureau Services.
Dear Sir/Madam : I 've already submitted a case under number XXXX, however in addition to that claim, I have the following complaint regarding the loan received to study at XXXX XXXX University in XXXX XXXX. 
I paid my student loan, which was 30 days late in addition to the current monthly loan due on XXXX XXXX 2017. My aunt, who is the co-signer on this loan, received up to XXXX calls per day until XXXX XXXX 2017. I live in XXXX, XXXX and those collection calls should come to me and not my aunt, but maybe the lender does n't want to pay overseas calling costs. At any rate, these collection calls continued even after the loan payment had been made ( 4 times per day ). I think it 's incorrect, for customers to continue to receive collection calls after the payment has been made -- - until Navient can sort out its own internal accounting postings. Once the payment has been made, collection calls should cease immediately. This is psychological terror. It 's unacceptable that someone who is trying to make the ends meet should continue to receive collection calls even after the payment has been made. And even if I had n't made the payment, XXXX collection calls in one day, should be considered excessive harassment. The next time this happens to me, I will be seeking legal counsel. I 'm required to pay a penalty on my account for late payments, which is enough. The addition of XXXX collection calls in one day and everyday harassing customers for payment ca n't be considered legal. Not to mention, it 's inhumane!
A false collection has been assigned on my name which I do not owe and has been paid by my roommates for XXXX XXXX utilities con services for the period of XXXX to XX/XX/XXXX. 

I had left from lease for the apartment which i was staying in XXXX XXXX in XX/XX/XXXX. My roommate had got the XXXX XXXX utilties account transferred to her name and paid the bill in XX/XX/XXXX. I can provide her bank statment for the payment made towards the XXXX XXXX utilties. 

The collection agency is Rash Curtis collections. I had requested for the itemized bill for which the collection charged. The company sent a corrupted zip file in email within 5 minutes of the request. When I called them again to request for the non corrupted pdf file, the collection person said they will send the file after the call. But i have not received it for 2 days. 

I had also visited the apartment leasing manager in XX/XX/XXXX and ask her to clear this with collection agency, since she was the one who had forwarded it to collection. 
She had called up collection agency and asked them to clear it since there was no pending balances.But it is still not cleared and there is no way to get this resolved. 

Please help with false collection which is assigned to me. I have attached the file which was emailed to me by Rash curtis which was corrupted. I have also attached the email from them.
XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, Experian & XXXX ), the accounts still show as open.
I 've been having several issues with SNAAC which is the company I 'm financing my vehicle through. On XXXX XXXX my vehicle got ceased because I was behind on a payment due to a tornado ripping through XXXX Georgia so I had to pay for repairs on my vehicle. Before I knew my vehicle was getting repo 'd I did schedule XXXX payments off {$400.00} and my recurring payment of {$330.00}. Later on that evening they took my vehicle and I contacted SNAAC to see what all I 'd have to do in order to get it back. They were like, you 'll get an email. Did n't receive any thing until a couple of days later. Payments were made and my account was back in good standing but still had difficulties on their customer service support side. They were all rude and unprofessional. I 'm in the XXXX and the last thing I need is to be without a vehicle. On the XXXX of XXXX I received my vehicle back paying a total of {$430.00} in towing fees and storage I guess. Today, XXXX XXXX, I get an official letter from SNAAC which is a " NOTICE OF OUR PLAN TO SELL PROPERTY '' letter with my vehicle id number and information. There 's a box checked off which states " WE WILL SELL THE VEHICLE AT A PRIVATE SALE SOMETIME AFTER 10 DAYS FROM XXXX/XXXX/2016. ASALE COULD INCLUDE A LEASE OR LICENSE. '' Not understanding why this is happening to me.
I am looking at my Equifax credit report. On all of my revolving accounts there is a note stating " Amount in high credit, is credit limit charge ''. Which is inaccurate information reporting to my Equifax credit report. All of the credit cards are at 10 % -30 % of limit and are paid down to XXXX balance by due date. Because of this noted statement on my report, it is affecting my score. Please remove this inaccurate statement. 


Revolving Account Number : XXXX XXXX Payment Responsibility : XXXX Authorized User Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : Monthly Payment : {$20.00} High/Limit : {$1400.00} {$1400.00} Account Status : XXXX Past Due Amount : {$0.00} {$0.00} Comments : XXXX Show Details XXXX Equifax XXXX XXXX Account Type : XXXX Account Number : XXXX XXXX XXXX Payment Responsibility : XXXX Date Opened : 03/2017 XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Amount : {$81.00} {$81.00} $ XXXX Monthly Payment : {$0.00} High/Limit : {$500.00} {$500.00} {$500.00} Account Status : XXXX Past Due Amount : {$0.00} {$0.00} {$0.00} Comments : XXXX
In  XXXX  2010 I  was enrolled in   XXXX    College  for a   XXXX   XXXX   XXXX  . I was pulled out of class and asked when will I have a job to repay. The cost was  XXXX . Undoubtable I was promised a great paying career only to make  XXXX  out of school .I know now that this was a for profit school. I never needed schooling to get a license to become a   XXXX   XXXX  . It costs about {$78.00} to apply for the license in Missouri. I have been haunted by this mistake for seven years. The program in place to help   XXXX   students does n't help me being as it only covers  XXXX   2010  students. I deserve the same forgiveness as those other victims.
Medical debt turned over to a collection agency has called repeatedly and latest call was a lady named XXXX XXXX who said she has received several complaints about me and needed to discuss them, this was left on my voice mail. Very unnerving and rude. I want these calls to stop! Obviously if I could XXXX would pay this debt. It is XXXX of several medical bills I have accrued this year and am doing my best.
I HAVE BEEN DEALING WITH A ACCOUNT FROM XXXX XXXX SERVICES THAT DOES NOT BELONG TO ME AND AND EXPERIAN THRU THERE DISPUTE HAS NOT CORRECTED THE ISUE IN OVER 4 MONTHS THIS DISPUTE STARTED IN XX/XX/2017 FROM XXXX INCORRECT REPORTING I HAVE PROVIDED ALL THE DOCUMENT NECESSARY TO BLOCK AND REMOVE THIS ACCOUNT ACCORDING TO THE FCRA AND EXPERIAN CONTINUES TO REPORT THIS XXXX ACCOUNT # XXXX ON MY CREDIT REPORT,
This relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at XXXX that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The XXXX breach allowed other attempts o my and millions of other Americans Profile with the past year. I Believe if CFPB can not compel Experian to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see XXXX )
In XX/XX/XXXX, I paid XXXX XXXX for XXXX imaging services performed on XX/XX/XXXX. The amount paid was {$930.00}, the amount due and owing. My insurance company at the time, XXXX XXXX XXXX XXXX of Georgia, paid the hospital {$4900.00} for a total paid and allowed as {$5900.00}. Discounts negotiated between XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ) were expressly stated as {$6600.00}. The total cost of the service was {$12000.00}. Now in XX/XX/XXXX, XXXX XXXX billed for amounts identified as the discounts in the XX/XX/XXXX billing statement dated XX/XX/XXXX. It is well over a year later, and XXXX XXXX somehow adjusted the discounts afforded XXXX in XX/XX/XXXX and billed me for {$3400.00} in XX/XX/XXXX. I wrote a letter requesting the contract and pricing schedule related to XXXX XXXX services which allows for XXXX XXXX to bill for these amounts that were contractually negotiated as allowed discounts for XXXX  subscribers, and my letter was ignored and my account placed in collections with XXXX XXXX XXXX. I asked the collections firm for the documents I requested that would be found in the services agreement, and they stated that I should take the matter up with the creditor, XXXX XXXX because I have all the documents I am suppose to have. Since this verbal request to XXXX XXXX XXXX, I requested debt validation from XXXX XXXX XXXX and made a second attempt for production of documents from XXXX XXXX related to the contract which allows for the disallowance of contractually negotiated discounts for XXXX subscribers. 

This is not right and makes no sense. My account was paid with no balance due, and now I am in collections with a third party collections agency because XXXX XXXX fails to be transparent about discounts no longer afforded to me as a XXXX subscriber over a year later. XXXX has sent me another explanation of benefits dated XX/XX/XXXX which states the same discounts and allowances as my explanation of benefits dated XX/XX/XXXX. Both XXXX explanation of benefits summaries reflect the totals outlined above with my patient total stated as {$930.00}. 

Please request the documents I am not able to receive from XXXX XXXX so I can resolve this collections matter which is an amount I definitely dispute as not due and owing well over a year later. I have requested these contractual documents from XXXX  and awaiting a response.
Not only have I been a victim of fraud, I also was a victim of the XXXX breach .And now there's collections dated XX/XX/2017 ( XXXX ), and XX/XX/2017 ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.