WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2016 prior to the XXXX XXXX due date, I suspended all lines of my prepaid XXXX service using the online suspension option through the 'My Account ' on XXXX XXXX website. A few days later I entered the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX to confirm the disconnect of my prepaid XXXX service with the representative there and explained my reason for the disconnect. It was of mutual understanding that though I was ending my relationship with XXXX that I would indeed submit payment in full for the current phones once the final bill for said phones arrived in the mail. 
In XXXX 2016 when I received a past due bill for services never used, I consulted a XXXX representative via chat on the XXXX website. I was told then that the account would be taken care of and again I would receive a bill for the phones only, which I repeated my understanding for and would submit payment in full for the phones once the adjustments were made. 
In XXXX 2016, I received a call from a XXXX billing representative about the past due bill, which has yet to be adjusted properly. At that time, we had a conversation regarding the fact that my XXXX account was always a prepaid account and that I would not be submitting this payment for the months of XXXX and XXXX considering I had, 1 ) Suspended the phones online AND requested a disconnection in person at the store at and 2 ) did not use my prepaid lines during the XXXX and XXXX prepaid billing cycle that unbeknownst to me were never disconnected by XXXX as I had requested to be done, twice. The CSR that I spoke to that day acknowledged that my account was prepaid, acknowledged the fact that I had cancelled, and told me at that time I would be sent a bill for the phones ( which I agreed that I owed that {$250.00} ), and that the existing charge would be adjusted to reflect the amount for the phones only. 

XXXX and its creditors continue to harass me via phone, my wife 's phone, and by postal mail. I have sent numerous letters to dispute the charge, the reason for the dispute, and the acknowledgement of my owing {$250.00} for the phones. They have yet to acknowledge in wrong doing and refuse to adjust the bill to reflect only the charge for the phones.
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : Re : Equifax Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . Equifax is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
I received a phone call from a company called   XXXX   XXXX   XXXX   XXXX  . They knew some of my sensitive info, i.e. Social security number, addresses etc. They threatened that court charges would be filed against me if I do n't pay them within a month. Seemed rather odd so I looked up the phone number and read that it 's been reported as a scam. Just thought I 'd report it l.   Here 's their phone numbers :  XXXX   XXXX  Here 's a link to their website as well :   XXXX   XXXX   XXXX
I am attaching a copy of the letter that I sent to the credit bureaus on XX/XX/XXXX requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.
When I applied for loan with CashNetUSA they could not tell me how big payments are going to be. My first payment was about {$120.00} and was taken twice a month. After that payment was {$220.00} and keeps climbing up. It seems I am just paying for interest. Next payment is coming up on XX/XX/XXXX in the amount of {$300.00}. When I contacted them they emailed me to inform me about interest rates and promised to work with me to help me. If I knew what will happened I would never get a loan from them. Even now I dont know what my next payment is going to be. I think its not fair on a credit line of {$1400.00} to make payments of {$600.00} a month. And my balance is still the same.
I am filing a complaint against Ability Recovery Service ( ARS ). This collection agency started reporting an item from XXXX XXXX on my XXXX and XXXX credit reports some time in XX/XX/XXXX, as noted on XXXX credit report # 1, dated XX/XX/XXXX The date of first delinquency is reporting as XX/XX/XXXX. On XXXX credit report # 2, dated XX/XX/XXXX, you can see that the item is no longer reporting. But on XXXX credit report # 3, dated XX/XX/XXXX the item has re-appeared with a new account number and a new date of first delinquency. This is a serious violation of the Fair Credit Reporting Act pertaining to Section 623 ( 5 ) ( A ) and has caused me a hardship with obtaining a home loan due to the fact that the item is reporting as n new collection less than a year old.
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
My account was recently sold to XXXX XXXX XXXX, I have received multiple calls a day since. They contacted me today while I was at my work place and the collector claimed that my account had not yet been reported to the Credit Bureau and said if I could n't meet an agreement a state attorney would be contacted. He offered me an interest free plan which will freeze my account, and then asked for account/routing and card numbers. When I was uneasy and asked if it could be done at a later time or online the collector got agitated and adamant that it had to be done over the phone in order to meet the agreement. I then said that I did n't feel comfortable doing it at work and he tried to offer to change the agreement in my favor as long as I gave him my card information. 

After I finished the call, I found out they had called the day previous at my job when I was off to contact me.
I received a call at my office from XXXX and I told her not to call my office. She told me she was calling about a pay day loan and I said I did not have XXXX and that I have received calls about this for 2 years now. She said she would send me an email with the verification of the loan and what she sent me was nothing that could verify anything. I told her to stop calling me and she has called my cell phone and now has another man calling my cell phone threatening to put me in jail tomorrow. I have never had a loan with the company she states and says instead of owing XXXX I now owe XXXX but they will settle for XXXX
I have collections on my credit report that are not valid. These are account that have been charged off. The accounts are 4, 5, 6 years old. This counts as XXXX derogatory marks on my credit report. I want them removed. 
Thank you.
BANK OF AMERICA WITHOUT CONSCIOUS FILED A WRONGFUL FORECLOSURE SUIT FOR A MORTGAGE LOAN XXXX THAT WAS PLACED IN A XXXX XXXX XXXX XXXX TO WHICH XXXX XXXX SIGNED THE CUSTODIAN AGREEMENT AND XXXX XXXX & XXXX WAS SERVICER OF THEIR LOAN NUMBERS. THIS LOAN IS A MULTI-PLEDGED LOAN AND NOT MY MORTGAGE LOAN. XXXX GOT XXXX FOR THIS POOL AND OTHERS LIKE IT. BANK OF AMERICA IS TRYING TO MAKE ME PAY FOR THE FRAUD OF OTHERS. I DID NOT SIGN ANY LOAN DOCUMENTS FOR THIS LOAN NUMBER XXXX AND BANK OF AMERICA HAS PRODUCED NONE. THOUGH THIS LOAN NUMBER SHARED THE SAME FHA CASE NO AS MY LOAN IT WAS A SEPERATE LOAN AND PLACED IN THAT POOL PRIOR TO MY XXXX PAYMENT XXXX 2008 AND ACCORDING TO BANK OF AMERICA MY LOAN XXXX WAS ALSO PLACED IN THAT SAME POOL. BOTH LOANS TAKEN OUT OF THAT POOL AT XXXX DIFFERENT TIMES AND BOTH XXXX SEPERATE LOANS. THIS COMPLAINT GOES WITH COMPLAINTS XXXX & XXXX. FOR SOME REASON I CAN NOT ACCESS MY ACCOUNT TO REVIEW, COMMENT, ETC.
My Discover Credit Card ending in XXXX was cancelled by Discover Bank because I file a bankruptcy the XXXX later was Dismissed by a federal judge my account since 2011 was never late Discover have violation under FCDPA, FCRA AND TCPA BY RECORDING WITH NO MY PERMISSION I NEED CFPB TO REFER TO THE APPROPRIATE STATE AND FEDERAL AGENCY 'S
Though multiple disputes over Private Mortgate Insurance ( PMI ), I contacted XXXX to confirm that my payments were being paid on time and accurately. I found out that I should n't have been paying PMI for 7 months and when I asked for a refund they never called me back! I left messages on XXXX, XXXX, XXXX and then on XXXX, XXXX and XXXX their phone number is not connecting to the PMI group and nobody will answer the phone. The company did send me a letter on XXXX XXXX to confirm I did n't need to pay the PMI and they would stop deducting it but it was still deducted on my XXXX statement! How can I stop this from continuing when I ca n't even reach the company? 
XXXX XXXX
I checked my credit report in XXXX 2017 and saw a debt from a collection company CBA for XXXX XXXX XXXX. I have never had a previous account with XXXX. I currently do have their water service. I sent CBA a certified letter asking them to validate the debt owed. They sent me a bill from the company. No contract with my signature or anything.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
My brother, XXXX XXXX, is receiving calls to his phone number ( XXXX ) repeatedly from the phone number XXXX saying that they are " serving documents '' to XXXX XXXX ( me ). They are calling once or twice a month for the past 3 months. In additional to my email I attached screenshots of the voice mails they are leaving. Calling back the XXXX number goes directly to some call center saying they are a law firm. They left the number XXXX in the latest email. We have asked numerous times to stop calling and to put on the Do Not Call List and they just hang up. 

Calls so far : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  " This message is solely intended for XXXX XXXX. This is XXXX I'm a courier with the??? tasked??? serving you documents that you will need pertaining to an upcoming court appearance this is my second attempt to locate you at your residence or place of employment to obtain your signature if this is a???? it will resolve and a missed court appearance on your behalf. To stop the process of being served or prevent a missed court appearance I recommend that you contact the filing party at XXXX. ''
Many accounts were opened since XXXX 2015, due to Synchrony Bank 's failure to conduct proper process and procedures relative to granting credit. For months, Synchrony Bank has failed to cease opening fraudulent accounts in my name that incur criminally-based purchases. A review of my activity within the Institution clearly indicates a consistent stream of accounts that were opened even though the Bank was officially notified of my identify fraud situation. I filed police report information with the Bank and was promised profusely that this harassment would end. The lack of professional ethics and negligence by Synchrony regarding granting consumer credit is astounding. Security freezes, one 's prior history of improper Bank activity relative to her or his good name, overt warnings on all credit reports identifying not to extend credit without direct contact, and repetitive pushing back fraudulent charges, appear meaningless as Synchrony extends credit to the exact address placed in the police report. 
As an American citizen, I am appalled. The Bank seems to litter unsecured credit wherever it can ; therefore, I can not believe that I am unique in this credit-approval processes. To think that it appears meaningless to write-off all these purchases, thus, forcing the American public to 'eat ' the Bank 's poor business practices, reinforces the cultural image of distain for this industry. 
The countless hours of filing reports, writing letters, and telephone-holding with both credit bureaus and the Bank 's Fraud Department trying to remedy Synchrony 's inappropriate use of my identity sincerely contributes to being a victim of a major crime.
Saturday XX/XX/XXXX, I got on to try to change my payment date. I seen a link that said change payment or something along those lines I did it and they ended up charging me a {$65.00} payment XXXX in a few days. I emailed them from their customer service contact link wanting to change my due dates from what it is to Fridays. Their solution was to change the information into a new loan extending my payments and their interest. I told them if they can not just change the payment dates without trying to put it in a new loan gaining more interest I was done. They went against my lending rights by not allowing me to change my due dates without them trying to collect more interest payments by extending the loan. I have the email conversation saved
CONSUMER PORTFOLIO SVS XXXX .... The basis for my dispute was required to notify me prior to XXXX, or no later than 30 days after CONSUMER PORTFOLIO SVSfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, CONSUMER PORTFOLIO SVS '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CONSUMER PORTFOLIO SVS failed to send me my initial communication before placing this alleged derogatory 30, 60,90status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve CONSUMER PORTFOLIO SVS is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. ) Asthe court noted in XXXX v XXXX XXXX, XXXX. XXXX JMR/FLN, XXXX XXXX ( XXXX XXXX XXXX ), [ t ] he majority of courts considering the questionhave drawn upon defamations traditional multiplepublications rule. Underthis rule, each publication of the same falsehood by the same defamer is aseparate cause of action, thus starting the limitations clock anew. ( citingRestatement ( Second ) of Torts? 577A ( 1 ). 
In the FCRA context, this means eachtransmission of an erroneous credit information is a separate FCRA violation. (, after failing to perform a reasonable investigation andsubsequently re-certifying false information to the CRAs each monththereafter. This would negate the possibility of any time barred allegationsconnected to their actions by the Plaintiff when the violations were on goingat the time the complaint was filed. ) In the state of Texas a creditor actually fall under the TDCPA, contrary to the FDCPA, a creditor who collects its own debts is a debt collector under the TDCPA. XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX reh.den. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-Dallas XXXX writ dism 'd w.o.j. )
I filed an Identity Theft Complaint to the FTC the middle of XX/XX/2018 regarding Bank of America not verifying in depth the person who opened a charge card in my name and Social Security Number.
My payment became in to repayment status in XX/XX/XXXX or XX/XX/XXXX. Within those 2 months the interest rates on my loans rose twice. I called a Navient representative that reassured me that my loans could only go up twice a year. I recently received a correspondence in my email stating that my bill was ready for viewing. Upon viewing my bill the interest rate rose again on two on my loans from 14.00 to 14.25 and on the other 11.00 to 11.25 percent. I noticed that the loans were going down u til interest rate changed. My payment went from XXXX to XXXX in a matter of six months. According to representative there is no program that will feasible payments or payment plans because they are privater loans and the interest rate is set by the lender. I am a XXXX XXXX for the City of XXXX and all my other loans qualify for the Public Service Loan Forgiveness program.
For several years, a charge off has appeared on all of my credit reports concerning an item from a company called XXXX XXXX. I purchased an item for my mother, a few years ago and it came to her damaged.I told XXXX XXXX about this and no action was taken.I made several requests to have this matter removed off my credit report and all the major credit bureaus have declined to remove the info. In XXXX of last year, I initiated an arbitration action, as per the original contract 's relief clause.XXXX refused to pay its fees, as per the contract. I believe this action makes the entire contract null and void.I want this matter removed from my credit reports immediately.
I received a collection letter from American Medial Collection Agency for XXXX. Already explained that at the time of the service paid my percentage and the insurance covered the balance. They are still insisting for me to pay.
I went to XXXX located in XXXX, XXXX. Saturday XX/XX/XXXX between XXXX-XXXX XXXX and I gave XXXX permission to access my credit report and try to obtain financing. I did not give permission to : ALLY FINANCIAL XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX
XXXX paid for the debt and the money that they are collecting is more. In addition, the original debtor is trying to collect the difference not paid by XXXX
XXXX XXXX XXXX, XXXX. filled suit claiming I owed the debt being reported as charged off and collection on my credit report. On XX/XX/2018 a Superior Court ruled in Summary Judgement on the merits that XXXX XXXX XXXX was not legally authorized to collect this debt and also ruled in my favor for motion to dismiss for lack of standing ( XXXX XXXX XXXX, XXXX. did not show they had a legal right to bring this action ). Case has been dismissed with Prejudice, without objection from the Plaintiff ( XXXX XXXX  XXXX, XXXX. ) see attachment of court ruling. I submitted the court ruling to the CRA 's disputing the tradeline with a copy of the court order. XXXX XXXX XXXX, XXXX. responded to the dispute indicating that the information was being reported accurately refusing to delete the tradeline. XXXX XXXX XXXX is listing this charge off and collection as the " original creditor '' and by continued reporting of this information after the Summary Judgement order is a FCRA violation and state consumer laws violations. XXXX XXXX XXXX is also in contempt of a court order as the judge has determined in ruling for Summary Judgement that I do not owe this debt to XXXX XXXX XXXX and therefore the item must be deleted immediately or they will face legal action.
I have leased a   XX/XX/XXXX    XXXX   XXXX   since  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of  XXXX  each. I was told that the payments for the month of  XX/XX/XXXX  and  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX  and  XX/XX/XXXX  that I am 30-59 days late. I also made two payments on my lease in  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and  XXXX  reported me 30-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but declined to do anything further. This is impacting my life. I have now had   XXXX   of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  ha s reported.
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian and XXXX   were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
AROUND XXXX 2017 I FILED A COMPLAINT WITH THE CFPB IN REFRENCE TO HELP WITH FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I LIVE IN ALABAMA AND THERE WERE ACCOUNTS ON MY CREDIT REPORT FROM A DIFFERENT STATE. XXXX XXXX NEVADA. ALSO A FRAUDULENT CHAPTER XXXX UNDER MY SS # THAT WAS REPORTING AGAINST ME IN XXXX XXXX NEVADA. THERE WERE 4 ACCOUNTS ATTACHED TO THIS CHAPTER XXXX. XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX XXXX. ALL WERE REMOVED BUT XXXX XXXX AND XXXX XXXX. ALL WERE INCLUDED UNDER THIS FRAUDULENT CHAPTER XXXX SO ALL SHOULD HAVE BEEN REMOVED. THE XXXX XXXX AND XXXX XXXX IS STILL REPORTING ON MY CREDIT REPORT.
I have been trying to call and pay Ally Financial, they are giving me an hard time. 
They want me to give them an address I no longer know, they want the vin number I no longer have the car. They keep hang up on me telling me there is nothing they can do. 
I'm trying to make settlement or lower payments
On XX/XX/XXXX, I contacted Chase about an unauthorized inquiry that was pulled on my account on XX/XX/XXXX, I received a response back stating that they will contact all the credit bureaus and have the unauthorized inquire removed, to this date it has not been removed from my credit file.