WillisBack/dataset-financial-user-claim huggingface dataset:
Third party debt collection company harassing and attempting to collect a debt that does not belong to them and is not owed. Misleading and inaccurate reporting is preventing me from current job employment.
in XX/XX/2012 I was XXXX in XXXX on a business meeting. I had a XXXX. I had XXXX there. I had very good insurance at that time and it covered most of my bills except for XXXX which I paid. then this charge showed up from XXXX who was the XXXX doctor at this time we, ve paid him everything we owed him yet this bill still shows up on my credit report. can you please help me? I, m using XXXX and XXXX
The sole income I have at this time is through wage income. I have direct deposit of my, and my wife 's paychecks. On XXXX XXXX, 2015 Bank of America withdrew {$6000.00} from my checking account, leaving a balance of {$1100.00}. The funds on deposit with Bank of America were my salary payments from XXXX and XXXX XXXX {$3600.00} and {$3600.00} XXXX, and my wifes wages from XXXX and XXXX ( {$1200.00} and {$1600.00} XXXX reduced by payments and debits to the account. I was informed that under the Exempt Income Protection Act, 90 % of the income earned in the last 60 days was exempt from levy, garnishing, or offset. I informed Bank of America of this and was told " We know nothing about this and have the authority to offset any amount from my checking as part of the deposit relationship agreement. '' As a result of BofA siezing my deposit balance, I my result in defaulting on my mortgage modification, which is in a trial period, an IRS payment plan, my credit card payment, and have no funds for food or utility expenses. At the current time my bank account is - {$3900.00}. I would like assistance in getting Bank of America to return the exempt funds to my account and off-set ONLY the amount allowable by law, which, at the time of the off-set, amounts to 10 % of the available balance or {$710.00}. I read the EIPA act through accessing the NYS Departement XXXX XXXX XXXX.
I have an Health Savings Account which I learned was managed by UMB Bank. 

In XXXX, I wanted to use the remaining balance in my HSA fund. 
I pulled up my HSA account website to verify the amount, which was {$18.00}. 
I used that exact amount for a medical bill. 
Afterwards, I received an overdraft bill from UMB Bank stating that my balance was below {$18.00} and applied a {$25.00} NSF fee. 
I called to inquire why my balance was below {$18.00} and why it was different from what the HSA account website displayed. 
UMB Bank told me that there was a monthly service fee that they incurred, which I was unaware of. I do not recall receiving any document regarding this " monthly service fee. " This monthly service fee is what reduced my balance below {$18.00}, thus generating the overdraft scenario. 
At that time, my balance from UMB was negative {$33.00} and still incurring monthly service fees until I close the account. 
This started around mid XXXX and now my balance is - {$36.00} due to add'l monthly service fees until I close the account. 

As a consumer, I feel like this is terribly unreasonable as the information I had always used to verify my balance was inaccurate and I was not aware of the monthly service charge which caused the overdraft scenario. 
UMB Bank has been unhelpful and dismissive when I try to contact them to fairly resolve this issue. They 've just demanded payment or else they will keep incurring the monthly service charge. 

XXXX
XXXX on XXXX took out my monthly dues then took them out again on XXXX. I spoke to the owner and he put it back on XXXX and the same day charged my card again. 
that month they charged me 3 times and on XXXX i did receive XXXX of them back from my bank. XXXX Still owes me for XXXX withdraw which was {$76.00}. The owner and I did have words after he took it out for the third time and was so rude about it even to the point of harassing me. At this time I told them they were not allowed to access my bank account anymore and that I would no longer be a member after the way he had come at me. No even 3 weeks later I receive a bill from Bilateral Credit Corp. saying I owed XXXX {$1500.00}. 
I never received a letter from XXXX or anything. In fact they still owed me one month of tanning because they never paid me back. It costs {$76.00} a month to be a member and in two weeks I now owe them {$1500.00} even though still have n't paid me back. The owner did this to XXXX with me and credit agencies let me them get away with this because they are members.
I have paid this account in full and would like the account to be removed from my Negative Accounts and Credit Score.
XXXX XXXX sold my file to AD Astra Recovery Services. This was paid and has been disputed with AD Astra several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting
XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies (CRAs) with an open date ofXX/XX/XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately.I have tried to resolve this issue with XXXX XXXX multiple times via phone calls (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX), emails (XX/XX/XXXX and XX/XX/XXXX), and written letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards (XX/XX/XXXX), auto loans (XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX), and has increased car insurance quotes XX/XX/XXXX).XXXX XXXX claims that I was refunded $XXXX on XX/XX/XXXX and another $XXXX on XX/XX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1) there was a $XXXX  withdraw from XXXX XXXX and 2) I never received the $XXXX in return to my bank account on or around XX/XX/XXXX or XX/XX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate $XXXX returns on XX/XX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or aroundXX/XX/XXXX.Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date of XX/XX/XXXX. The last instance I was even at XXXX XXXX was XX/XX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs.In addition, I have tried resolving this with XXXX, Experian, and XXXX. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports.Attached you will find screenshots of my bank statements proving that I absolutely paid the $XXXX and a definitely NEVER received a $XXXX. XXXX XXXX's debt collection needs to be removed from my Credit Reports immediately.
I contacted Discover to pay off the higher balance of my card. The guy told me {$570.00} would pay off the higher rate but I had to pay the same day when my regular payment would be deducted from my bank. I mistakenly used my old checking account ( i forgot to delete it from my discover profile ). i called back & explained. the lady told me she would waive the fee but not until XXXX XXXX because she could n't see the NSF fee ( not real time ). I paid the {$570.00} because the payoff would have been {$560.00} but I wanted to make sure interest would be covered because the rep could n't tell me the exact amount to payoff the higher rate. statement, dated XXXX XXXX, came & showed I owed {$160.00} in interest. I spoke to a rep today and he said the remaining balance on the higher rate was {$44.00}. I paid {$58.00} just to make sure. 
The rep was not very sure of himself or the method ... he could only tell me that the payment posts to the lower rate first then the higher rate. He said that the payment on XXXX/XXXX/15 went to the minimum due for XXXX XXXX and the remaining went to the higher rate but still could n't me a breakdown. 
My complaint is that Discover 's statements do not reflect the breakdown of the payments. The statements are very confusing and I 'm willing to submit a copy of my statement to prove it.
By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX XXXX XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt. 
The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, XXXX and XXXX, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question. 
They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt.

Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.
I disputed UNAUTHORIZED inquiries on my credit report. Per the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. This is a violation and it should be removed. I feel a reasonable investigation of these inquiries were not done and after sending in proper identification a fraud alert was placed on my file for disputing this. I would like to have these unauthorized inquiries removed and the fraud alerts lifted from my file. I now have credit monitoring so there is no need to have a fraud alert placed on my file.
acct number XXXX was opened illegally by my father who commited id theft and i had him arrested years ago amex wont let me apply they blacklisted me bc of a fraud acct i never opened
I received a text from my bank today ( XXXX ) advising that my account has been frozen due to suspicious activity. I contacted them to learn that someone charged my card on XXXX in the amount of {$50.00}, and then again today XXXX in the amount of $ XXXXThe charge is listed to XXXX XXXX and I do not even have a XXXX account. My bank cancelled the card immediately, and I filed a fraudulent claim for the {$25.00}. The bank already reversed the charge for {$50.00}. 
When I looked inside my account I saw a number XXXX as the number related to these charges! I entered that number into a XXXX Search and it turns out that this is apparently some sort of widespread scam for which I appear to be a victim. 

Make sure your account is monitored at all times. File a fraudulent claim with your bank asap, and cancel the card that has been compromised.
My name is XXXX XXXX - A Housing Counselor submitting the complaint on behalf of my client XXXX XXXX XXXX. 
XXXX XXXX received a loan modification at a XXXX event XXXX XXXX XXXX XX/XX/XXXX. The modification lowered her interest rate and lowered her payment, however even though XXXX XXXX was NOT behind on the mortgage, {$14000.00} was added to her principal balance. This was discovered after she received the final paperwork. 
XXXX XXXX has been trying to find out why her principal balance increased by contacting Citbank and XXXX her new servicer. Citibank refers her to XXXX. XXXX refers her to Citibank. 
I was able to obtain a payment history from Citibank for years XX/XX/XXXX which confirms her payments were never late. 
Assistance is needed to find out why {$14000.00} was added to her principal balance when her loan was " modified '' XX/XX/XXXX when she was not behind on her payments.
there is no sufficient information to support Experian 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , UXXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   ) XXXX, XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   ) 3396**
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have now gone past the 30-45 days and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible
On XX/XX/XXXX, I filed a complaint against Experian because I noticed several unauthorized inquiries on my credit report. I also DEMANDED that Experian investigate and show proof of verification. On Today, I received a response from Experian claiming those inquiries were verified, but I wasnt send proof of how they were verified. Im aware of my rights and according to FCRA, inaccurate and unauthorized information should NOT be on my credit report. Experian must show me proof of what they used to verify these inquiries or REMOVE them immediately. I have rights to be allowed to see the proof of verification and if there isnt any then these inquiries should be REMOVED. You must be able to prove that these inquiries are valid. I feel as though my rights have been violated because there are inquiries on my credit that simply does not belong to me therefore, they should be REMOVED. I have a fraud alert on my credit report, so I shouldve been contacted about these inquiries but I wasnt. The inquiries needed to be removed are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I received a letter dated XX/XX/19 from Access Receivables about collection. I was out of town when the letter was received but on XX/XX/XXXX wrote a letter to the company requesting validation of the debt. I have continued to get daily phone calls and messages- many while I am working. I called them back today and reiterated that I have requested validation and will not talk to them - not to call me - while I have not received validation. The rep began to argue with me that they will not send me a personal letter and how else are they supposed to contact me. I reminded her it is my legal right to request validation in writing and they are disturbing my ability to work. She STILL did not say they would not call or that they would send me a letter ( as I understand is required ) and raised her voice so I terminated the call
XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureaus. They left a wrongful dispute on my credit report. The account number is as followed : XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.
American Express Debt Collector XXXX XXXX XXXX. Called me numerous times at work. The following times that the company called me at work are as follows. XXXX, XX/XX/, XX/XX/, XX/XX/ and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.
I called when having trouble paying my loan and was informed that my payments would be {$60.00} ; however, after consolidation my payments were double that.plus some. I tried again to get my payment reduced and the representative told me another figure which still was not {$60.00}. The interest rate I have been charged during my forbearance is astronomical.
This is a debt that 3rd party XXXX XXXX is trying to collect on. I am unaware of the debt and they have not provided valid information that this debt legally belongs to me, I 've sent a Debt-Collector-Disclosure-Statement and a Dunning Form letter to XXXX XXXX and to their lawyers twice to no avail and they have not proven that I owe them the dept. They are reporting me to the XXXX credit bureaus. I 've disputed with the XXXX credit bureaus but they will not take it off of my reports.
In XXXX or XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from Dynamic Recovery Solutions who claimed to be representing XXXX. This is probably the XXXX call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " XXXX '' got this phony debt.. .nor do I know how Dynamic Recovery Solutions XXXX XXXX South Carolina got it, but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is, but it is n't stopping these companies from acting on it.
In XX/XX/2017 I spoke with XXXX XXXX and XXXX at XXXX XXXX. I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior. XXXX XXXX pulled my credit WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull the credit he did it anyway and my score has dropped 4 points immediately as a result
Debt is 15 years old and has been charged off for 15 years. I no longer owe this debt they are trying to collect on.
I tried to help my son further his education and I was misinformed of all the interest etc. my son enrolled in XXXX XXXX in XXXX. The school has now closed nationally. My son was failing his classes and only needed to 2 months to complete his course. We tried to appeal it and he was informed that he would have to take the whole course again. I have been a single mother since 2007 and I can hardly manage providing a roof over me and my children 's head. I feel I was misinformed. If we went to a community school I know that it would be different. Please contact if you need my acct numbers for the FED LOANS. Thank you Sincerely XXXX XXXX.
We purchased a car through XXXX XXXX XXXX that was financed through Westlake Financial in XXXX 2015. We had to pay {$7000.00} cash down and another {$2000.00} to XXXX XXXX XXXX to sponsor the deal. After a year of payments and no tage, I contacted Westlake Financial and asked if they could assist with getting the tile or if they had th etitle to the car. Westlake informed me that they did not have the title, but would be able to get it for me. They wanted me to sign some documents to suspend the loan payments. Three months after signing the suspension documents, I called Westlake Financial and spoke to XXXX XXXX and was told that the title had not been obtained. Westlake ten stated that they could pick up the car and at the time that they had the car in their possession, they would then mail e a check for my money. The Westlake agent was unsure as to how much money would be refunded to me. I made loan payments for 1 year - {$6000.00}, plus the down payment - {$7000.00}, dealer fees - {$2000.00} and insurance payments - {$1500.00}. My out of pocket osts so far - {$16000.00}. The interest rate on Westlake 's loan was : 20 % /.
In XXXX, I obtained a new mortgage from Wells Fargo in Washington state. Much to my surprise, and without my consent, I also got a new credit card. When I inquired with the bank about it, they said something along the lines of " mortgages come with credit cards. '' Later, another employee contradicted that quite clearly. In the end, I decided it was a harmless transaction, and I retained the card. But it was decidedly weird, and it smelled fishy. I attributed that to a simple error, but in light of the recent findings that Wells Fargo I now suspect it may have been deliberate. To the extent that you are so empowered, I would encourage you to investigate Wells Fargo prior to the XXXX date identified in the public reports.
There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to Equifax, XXXX, and XXXX  regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXXXXXX XXXX Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX