WillisBack/dataset-financial-user-claim huggingface dataset:
My daughter XXXX is trying to establish her first credit. She took advice from XXXX which suggested she apply for a credit card through First Progress. This was approximately 2 months ago. She has still not received her card. However, she can see on line that she has a payment due! Additionally, my husband signed up for the same card in XXXX, 2016 and they withdrew {$300.00} and he has never gotten his card and demanded money back to his account and they said they would put it back but they never did. This white collar crime entity should be SHUT DOWN FOR FRAUD! Where is the enforcement at? They have now stolen {$200.00} from my XXXX year old daughter who is seeking to establish her first credit and she has not even received her card and they are wanting a payment from her. Same with my husband. They have now stolen {$500.00} from my family. I will file a separate complaint on my husband 's behalf. I will also file other complaints where necessary for this matter. Certainly CFPB is aware of their game. I have seen other similar complaints. SHUT THEM DOWN! What 's the hold up? NOT OKAY. TOTAL XXXX What it is, is these other bank entities see what the big banksters did with securitization and so they know what they can get away with until Congress finally gets them and holds their hands out for the fines, but in the meantime First Progress and like entities are rolling in the dough at the expense of the hard working tax payer. Total XXXX. We will wait to hear a response. The money is PAST DUE AND OWING PLUS INTEREST! We WILL NOT do business with this entity. XXXX has some liability here for even suggesting such an entity. That will be the next complaint as well. They are advertising them on their site as a suggested entity to start building credit. WHAT A BAD EXPERIENCE and EXAMPLE. Pathetic! Fraud and Embezzlement going on here! They are also very hard to reach. REF # For the Credit Card is XXXX. Their Phone number is XXXX
XXXX XXXX has made repeated phone calls to our home after being sent a no contact and being told to call the XXXX XXXX XXXX 's and not to call our house anymore. On XX/XX/XXXX they call several times, but have called so much that my caller ID is full and could n't go back any further. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, and XXXX XXXX.
XXXX mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how XXXX has handled reporting this breach and the steps they have taken to rectify the situation. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

When attempting to sign up for credit protection on the XXXX  2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago.
I then went to the Experian website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the Experian website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.
Several years ago I overdrew my U.S. Bank checking account, after paying the incurred fee I went to a local branch and enquired what I could do to avoid this in the future. I the banker said he enabled a feature of the account that I understood to be a type of overdraft protection where pre authorizations for transactions that were larger than the account balance would be declined. Additionally I was told I was signed up for email alerts about low balances. This past week U.S. charged me three {$38.00} overdraft fees in rapid succession, when I called U.S. Bank I was told my account was actually configured to accept transactions that would put the account in overdraft for a {$38.00} fee to extend that credit. This is exactly the situation I wanted to avoid by going into the branch and instead of limiting the overdrafts on the account it was instead configured to accept more overdraft transactions, each for a fee.I also want to note the three transactions for which the {$38.00} fees were levied were not recurring transactions but one time transactions which I fully expected to be declined if they would put the account into overdraft. Instead U.S. Bank not only allowed the account to go into overdraft but once it was in overdraft continued to approve transactions and charged a fee for each occasion. The U.S. Bank phone rep argued these fees were valid because U.S. Bank provided me with a service in the form of credit once my account was overdrawn, however I took explicit action to disable this feature and service and believe these charges to be highly questionable given these facts.
XXXX XXXX. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XXXX XXXX. 

We took out Chapter XXXX Bankruptcy on XXXX XXXX XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw XXXX XXXX checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

XXXX XXXX is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.
CFPB Complaint Number : XXXX Bank of America failed to remove the incorrect info from XXXX. 
They did delete the info from XXXX 
BOA inaction has halted a transaction with XXXX XXXX XXXX, XXXX, WI. 
BOA rep promised a letter from XXXX by XXXX XXXX, 2016, to clear account. 
No letter has arrived. 
Desired resolution : BOA will promptly clear incorrect Equifax report.
1. XXXX  Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

2. XXXX Account : XXXX  : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

4. XXXX  Account : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

5. XXXX XXXX XXXX XXXX  : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

6. XXXX XXXXXXXX : XXXX  : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}.

7. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score.

8. Creditwise, XXXX XXXX, XXXX, Equifax : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score.

9. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under reporting my available credit.

10. Creditwise, XXXX XXXX, XXXX, Equifax : Each are not reporting my XXXX XXXX XXXX XXXX  Account with an available balance of {$4000.00}.

11. Creditwise, XXXX XXXX, XXXX, Equifax : Each are improperly reporting a Chapter XXXX   Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be removed.
To CFPB I woke up to a surprise today from a company called Dynamic Recovery Solutions,  apparently this is a company hired by XXXX XXXX XXXX XXXX , XXXX to attempt to collect a fraudulent debt that I do not owe. It appears to be some one 's old XXXX account that they want to throw off on my. 
Just for the record, I have been an XXXX XXXX XXXX customer for the past 30 years when XXXX XXXX XXXX was just a long distance company, I have been with them ever since. 
I hereby request CFPB to look into this non since fraud and fine Dynamic with a fine totaling {$75000.00} XXXX dollars for their fraudulent activity.
On XX/XX/XXXX I sent a dispute letter to XXXX and Transunion to delete an account on my credit report for XXXX. XXXX collection for XXXX XXXX XXXX due to the fact that this debt was never owed by me and in fact I ended up having to take XXXX XXXX to small claims court because of this collection and the fact that they owed me money for improper charges for a move out of an apartment. I won that case # XXXX in XXXX County KS on XX/XX/XXXX. The judge told XXXX XXXX the judgment against them was for {$490.00} plus court costs and fees and they were not to use this to offset what they claimed that I owed them as I owed them nothing. However, this is what they did. XXXX   XXXX originally posted the collection account on both XXXX  and Transunion in the amount of {$1400.00}. After the judgment, they changed the collection amount on XXXX and Transunion to {$880.00}. I sent XXXX  and Transunion all supporting documents from the court case and after my dispute was " investigated '' by XXXX they stated that the results were " we verified this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact ... '' with XXXX XXXX contact info. Transunion stated the results were " verified as accurate ''. Both credit reporting bureaus are still reporting this collection from XXXX XXXX. This collection account was updated by XXXX XXXX on Transunion on XX/XX/XXXX and XXXX  on XX/XX/XXXX.
Last year I moved out of XXXX XXXX XXXX to XXXX, after being with XXXX XXXX XXXX for several years. I ported 5 out of the 6 numbers I had with XXXX XXXX XXXX, and I gave instructions to cancel the 6th line. To cancel the 6th line and port the other 5 lines I had to pay a balance for phone equipment financing and service charges, which I did, cant remember the exact amount but it was in and around {$1500.00}. A couple of months or so later XXXX XXXX XXXX called me to collect the service fee for usage on the 6th line. Two problems : 1. When I ported the 5 numbers I gave instructions to CANCEL the 6th line. 2. Even XXXX XXXX XXXX agrees that there was ZERO activities in voice and data on the 6th line since I cancel the number. They said that somehow the number wasnt canceled and I had to pay the charges until that day. It is not my fault they didnt cancel, I can not go inside their system and cancel it myself. I used to pay around {$400.00} for 6 lines and now they are trying to charge me {$390.00} for 1 line? This is a ripoff. They have all those notes on their system because a couple of weeks later they called me again and the representative read back to me all the notes that match the facts. They sent it to collection. When I got a call from collection I told them exactly what happened, but they didnt care about accuracy or fairness, all they wanted was to collect, so I suggested them to sue me in court. Yesterday XXXX XXXX XXXX call my daughter and told her about the debit and the amount. Is it legal? This morning he called my wife and told her that the debit is not YET in my credit report, however if I dont pay .... Is it legal? It is not about the money, its about principles. I do no owe this debit, I wont pay until until a judge says so based on the facts, not on brute force. Is there a way I could escrow this amount in court to show I dont have a financial problem but a moral one?
My father XXXX XXXX purchased a house for me in XX/XX/XXXX. He passed away XX/XX/XXXX. I am the representative of the estate and the house mortgage is now through Nationstar. Apparently they loss the documentation saying I was the representative of the estate and turned off m ability to make payments on account. I have tried to make payments numerous times as well as my wife. I have called and left messages with XXXX XXXX my account rep. and not return calls concerning this matter. I send in paperwork pertaining to certain issues and they lose after receiving it or say they never got it. Two days ago is when I found out talking to Nationstar that they said they had no paperwork on me as being the representative on my dads estate. Talked to them today and now the paperwork has shown back up. In all this has me in the rears on my payments by 5 months and threatening to foreclose on my house. Now they are saying I cangive them almost {$3000.00} plus lawyers fees to keep my house. My XXXX payments only come to about {$1300.00} which I have been trying to pay and catch up. If Nationstar ahd not screwed up my account like this I would not be behind in payment. The mortgage use to be with XXXX XXXX XXXX and they also lost the paperwork and tried doing the same thing. After my lawyer XXXX XXXX contacted XXXX XXXX XXXX about this matter and they corrected it. Nationstar has not tried in anyway to help all they want to do is take my house. My wife is on XXXX and me trying to do everything and now to try to come up with {$3000.00} to probably {$5000.00} to pay them is ridiculous. I am at my whits end and dont know what to do.
On XX/XX/2018 we asked for a balance transfer for {$1200.00} from credit card XXXX to credit card XXXX. The transfer was done to the credit card ending on XXXX, but the card ending on XXXX hasn't been paid until today. 

The problem is that now I have two balances open, please help us solve this problem, I have contacted the XXXX XXXX that issued the card ending XXXX, they always give me a different answer. I contacted them on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX, they said that it could take 6-8 weeks for them to pay the other credit card ( XXXX ), the problem is that interest is accruing since then. 

I hope you can help us with this problem. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX I filed a complaint through the CFPB website against CONTRACT CALLERS after XXXX/XXXX/XXXX notified me that CONTRACT CALLERS had responded to my complaints against XXXX/XXXX/XXXX  through the CFPB that the debt had been validated, which I know is not possible, because the account CONTRACT CALLERS has placed on my credit report is a result of fraud. An account that I have directly disputed with the company, XXXX XXXX, beginning when I learned of the first fraudulent account that was opened in my name for an XXXX XXXX account in XX/XX/XXXX or XX/XX/XXXX, and after that account was disputed and removed from my credit reports, in XX/XX/XXXX or XX/XX/XXXX I received notification of another account that XXXX XXXX allowed to be opened in my name and they then combined the two fraudulent accounts in an attempt to collect both accounts. The account ( s ) were removed from my credit reports in the past after disputing the accounts as fraud with the prior collection agencies who were sold the fraudulent accounts XXXX XXXX. 


On XX/XX/XXXX CONTRACT CALLERS responded to my complaint against them through the CFPB that they had validated the debt with the company and the proof that they provided is nothing more than a copy of a utility statement with my name and an account number at an address that I have disputed and had removed from my credit reports because it is not an address that belongs to me. CONTRACT CALLERS is in violation of the FCRA and the FDCPA because they willingly and knowingly provided inaccurate information to XXXX/XXXX/XXXX that they had/have validated the debt when they have not nor can they because the account is fraud and they have not fulfilled their obligation under Federal and State laws to prove that a disputed debt is valid. CONTRACT CALLERS CAN NOT claim that they have received validation from the company they are collecting the account for with a billing statement. AN ACCOUNT IS NOT VALID JUST BECAUSE A COMPANY PROVIDES a billing statement with a person 's name, an account number and address. IF THAT WERE THE CASE, no one who has had an account fraudulently opened in his/her name would be able to dispute fraudulent accounts to have them removed from their credit reports.
I am a victim of identity fraud since 2011. 
XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
I was denied an apartment with XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX based on a decision from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX gathered their alleged information from XXXX XXXX.credit Bureau that the information pulled from was TransUnion. On XX/XX/XXXX I  placed a suppression and freeze on all XXXX XXXX files. 
Due to suppression/freeze placed on files this erroneous information should never have been reported which in part led to my application being denied.
I had a car loan with honor finance they came and repossessed the car last year in XXXX however it reflects on my credit report that honor finance repossessed the car in XXXX of this year I have called honor finance and I have called the credit bureaus to dispute the item and have it updated correctly and have not gotten anywhere I even ask the credit beauru to ask honor finance to furnish the paperwork showing when they repossessed the car and they will not and the credit agency will not update my credit report to the accurate information that they repossessed the car last year in XXXX as a result when I have applied for new car loans I have been denied because this repossession Isvshowing they just repossessed the car in XXXX of this year this have made my credit score drop tremendously because I keep reapplying for car loans also it have severely tarnished my credit report and financial image to the point no one wants to give me a car because honor finance and the credit beaurus has been falsely and knowingly putting this inaccurate information on my credit report even after i have made many attempts to correct the report and yet even the credit beaurus have updated my report as accurate when its not accurate this in my eyes is a violation of my consumer credit reporting rights and Im asking that the Cfpb step in and render the appropriate action
I have disputed items on my Equifax credit report and some items have been pending for months and I have tried calling and calling, talking to them through chat and even emailed ... nothing has been done .. the items I have disputed are medical bills that should n't be on my record because I had XXXX ... well I was told that in disputes it takes 30to 45 days after that they have to remove it if no proof is found, well remove it then please.
XXXX XXXX XXXX ACCOUNT # XXXX FRAUD ACCOUNTQUALITY XXXX ACCOUNT # XXXX
My wife and I have consolidated loans on an Income Based Repayment plan. The amount due each month keeps changing. We usually pay online but last month Navient made changes to their website so that it will only accept amounts equal to, or greater than, the minimum amount due. The problem is that the minimum amount due is 84 % higher than the payment plan. 

We have made a couple of these almost double payments but will be unable to continue.
A  XXXX   XXXX , from ASSET LOCATION SERVICES, contacted ( called  )  my employer on Friday  XXXX / XXXX /  XXXX   around  XXXX  CST, regarding a debt that I believed to be satisfied. She began to give personal information about this debt to my co-worker, who then transferred the call to me. I advised  XXXX   XXXX , NOT TO CONTACT ME OR MY EMPLOYER AGAIN. I told her she was welcome to send me something in writing. I again advised her NOT TO CONTACT MY JOB. She then Hung up.   On Tuesday  XXXX / XXXX /  XXXX   about  XXXX   CST   XXXX   XXXX  again contacted  ( called ) my plac e of employment and again advised my co-worker that she was calling me regarding " me committing fraud ''.    XXXX   XXXX  then immediately called back and spoke with my direct  manager  and again advised her that she was calling in regards to ME committing a fraudulent act against a company. I immediately contacted them again and let her know that i would be filing a complaint and no to contact me again and to send something in writing.   I spoke with her supervisor  XXXX   XXXX , who then proceeded to ask me questions about assets they plain to put a lien on regarding a debt of  XXXX . I advised  XXXX   XXXX  to stop threatening me and to send me something in writing.    XXXX   XXXX  then contacted  ( called ) m y uncle who is in California and again gave them personal information and advised my uncle that they were investigating me for fraud. I have asked them repeatedly to stop calling me and my place of employment and they have not complied. They have also resorted to calling my family members to shame or scare me into paying this bogus debt. If indeed this is my debt. I intend to pay it, however, I do not like being harassed or bullied or shamed into something I may have overlooked or that could possibly not be mine.