WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, I received a letter from XXXX XXXX XXXX that a check was presented for payment in the amount of {$110.00} from Global Client Solutions of XXXX, XXXX. I had just {$100.00} in the account so FCU returned the check and charged me a {$41.00} NSF fee. I have never ever heard of Global Client Solutions and did not write them a check or provide anyone with that name my checking account information. FCU did refund the NSF fee but I was forced to close my account since it 's obvious that someone has my check account information illegally. I want action taken against this company.
I sent a letter to Equifax about errors being reported on my credit report there is a public record that is n't mine reporting on my credit. I recently received a letter back from Equifax stating that they had verified it. I contacted the XXXX Courthouse where the public record was filed and they sent me a letter back stating that they did n't verify any information to anyone of the XXXX credit bureaus. Equifax LIED!
Dear To whom this may concern, I have contact ed the advantage group he re in  XXXX , NM because I was put into collections for medical bills. First of all, I have medical insurance that has covered all bills. I contacted the hospital itself to see what was happening. They checked all bills and they were all covered by my insurance and did not know why I was even transferred to collections. These bills are : Accou nt 1  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$220.00} on  XX/XX/XXXX .   Accoun t 2  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$210.00} on  XX/XX/XXXX .   Account  3  :  XXXX   XXXX    XXXX   XXXX   with a balance of {$160.00} on  XX/XX/XXXX .   Acco unt 4  :  XXXX   XXXX  with a balance of {$770.00} on  XX/XX/XXXX .   These medical bills need to be removed as soon as possible because it is affecting my  credit score  and limiting me to improve my credit.  <P/> Sincerely,  XXXX   XXXX   XXXX .
CARRINGTON MORTGAGE SERVICES, XXXX, and XXXX A have subjected me ( the consumer ) to predatory debt collection practices in violation of the FDCPA. These violations include : XXXX - communicated with me without my consent or the expressed permission of a court of competent jurisdiction ; XXXX ( b ) - communicated with other third parties ( XXXX and XXXX A ) without my consent or the expressed permission of a court of competent jurisdiction ; XXXX U.S.C. XXXX - harassed, abused and oppressed me by demanding payment of a debt CARRINGTON MORTGAGE SERVICES knew was not owed by me ; harassed, abused and oppressed me by threatening to harm my reputation by reporting information CARRINGTON MORTGAGE SERVICES knew to be false to a consumer reporting agency ; harassed, abused and oppressed me by impersonating a creditor for their financial gain ; harassed, abused and oppressed me by threatening to foreclose on my principal dwelling and homestead and stating that I " could lose XXXX my XXXX house '' notwithstanding having NO right to do so ; harassed, abused and oppressed me by making the aforementioned threats which I find obscene ; harassed, abused and oppressed me by using personal identifying information without my consent to create an account in my name for financial gain ; XXXX U.S.C. XXXX ( XXXX XXXX - misrepresented the character of the alleged debt by stating the alleged debt was the result of a mortgage loan when it was not ; misrepresented the amount of the alleged debt by stating {$250000.00} is an amount owed by me the consumer/creditor ; misrepresented the legal status of the alleged debt by implying that a default occurred by me ; misrepresented the character of the alleged debt by stating the alleged debt was connected to a loan account # XXXX ; XXXX XXXX. XXXX ( XXXX ) - threatened to foreclose on my principal dwelling and homestead when legally they can not ; XXXX XXXX. XXXX ( XXXX ) - misrepresented that XXXX FSB as trustee for XXXX LOAN TRUST A and or CARRINGTON MORTGAGE SERVICES are the creditor ; misrepresented that I am a borrower ; misrepresented that I defaulted on an obligation ; XXXX U.S.C. XXXX XXXX a ) ( XXXX XXXX - failed to give notice of name of creditor XXXX - furnished a form knowing that such form would be used to create the false belief that XXXX SAVINGS XXXX XXXX XXXX as trustee for XXXX A and/or CARRINGTON MORTGAGE SERVICES is participating in the collection attempts as creditor when in fact they are NOT participating as a creditor ; XXXX U.S.C. XXXX - used unfair or unconscionable practices to collect the alleged debt by using my personal identifying information to impersonate a creditor ; XXXX XXXX. XXXX - used unfair or unconscionable practices to collect the alleged debt by engaging in all of the aforementioned conduct in violation of the Fair Debt Collection Practices Act. 

I am invoicing CARRINGTON MORTGAGE SERVICES, XXXX, and XXXX A for damages assessed as a result of their multiple violations of the Act in exercise of my right to enforce compliance thereto.
To whom it May concern : Verifying my report with the Experian agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXy # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R XXXX.
Asset Acceptance , LLC has filed a lien for a debt amount that has been paid through payroll deductions.
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.
Portfolio Recovery put collection listed on my credit report all XXXX bureaus as XXXX/XXXX/XXXX. They have never ever ever contacted me regarding this debt. I have disputed this with the credit bureaus no less than 20 times. I have sent Portfolio Recovery a certified letter. 
I dispute the validity of the whole account, I never had an account, I have no knowledge of anything that I owe. They refuse to delete the account. I just received a letter from them stating that in order for them to process my dispute, " I will need to send them information regarding my account so the Dispute Department can process the dispute ''. I have asked for a signed application and date, all statements, chargeoffs, disputes, payment history, authorized users, and other information. They have produced zero evidence, in violation of their consent agreement with the CFPB. I have also just discovered that Portfolio Recovery had filed a lawsuit against me, tried to serve me one time, and then dropped the suit ( premsumably looking for a default judgement ). 
They dropped the lawsuit XXXX/XXXX/XXXX. I also had no information, knowledge, of there even being a lawsuit. No one ever sent me a letter or contacted me about anything, just a dump on my credit and lawsuit, and with XXXX disputes they keep dinging my credit report and can not produce anything for a XXXX account, but want me to send them some evidence of some type.
This is a scavenger who bought a bad debt. Original creditor XXXX sold loan to XXXX. Both accounts were closed in XXXX. Michigan statue of limitations for this type of loan reporting is six years. 
The original and secondary loan holders have been removed from reporting agencies. 
Millienium obtained this information in XXXX. This is not a valid debt, and needs to be removed immediately.
XXXX  is reporting a balance of {$1400.00} on the XXXX/XXXX account. Contacting XXXX/XXXX  they state that the account was discharged in XX/XX/XXXX and the account should not appear on the credit report, and has also sent me the copies of this information including the cancellation of debt and a letter from the Vice President 's offices stating that the account was cancelled and no longer in collections.

XXXX  has not acknowledged these documents that I have sent since XX/XX/XXXX and has not updated the information on my credit report. The attachments clearly show that the XXXX/XXXX  should not be on my credit reports. XXXX/XXXX additionaly will not accept payment and tells us to contact the credit bureaus to have the items removed. We have done this but the account is still not removed.
XXXX XXXX ACCOUNT XXXX BALANCE IS {$5700.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$25000.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$2100.00} THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT, I DISPUTED THESE FROM XXXX   AND XXXX AND THEY ALREADY REMOVED FROM CREDIT REPORT, I MAILED A FRAUD THUR THE MAIL. PLEASE DELETE FROM CREDIT REPORT, THANK YOU
Last week, I received a collection notice from RMCB ( Retrieval-Masters Creditors Bureau , Inc. for payment for two services from XXXX XXXX XXXX XXXX dated XX/XX/2015 and XX/XX/2015. I knew of no outstanding bills. I contacted XXXX XXXX. They could not find or identify the account numbers noted on the RMCB invoice and further confirmed I have no outstanding payments. Concerned about the 2015 dates, I researched the company online. After learning RMCB has a track record for issuing invoices for money not owed, I chose not to contact them and provide any additional personal information. Hopefully this may help others to check before sending payment.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Chase Bank personal banker ( XXXX XXXX XXXX ; XXXX, IL XXXX ) refused to grant my wife and I a joint checking account because I declined to provide them with all details of any and all assets, including their balance and banking provider. This refusal came despite my wife and I being existing customers of Chase Bank ( my wife has a existing personal Chase checking account and I have a Chase Freedom Credit Card ). I found the questions to be particularly invasive given we were not applying for a loan, but were wanting to open a joint checking account. Moreover, we are existing customers ( I myself have an unsecured credit card with them for {$17000.00} ). The banker stated that he needed all my asset information so that they would know how to best provide my with their various products. So basically I was not given a checking account because I declined to give them information that would permit them to market me their other products.
The XXXX XXXX XXXX Tradeline is inaccurate. 

The Account Type - is not a Credit Card, it is/was Flex Spending The Terms - is N? A and should be Monthly, making this account incomplete The Payment History is wholly inaccurate - it has a 30 day stamp XX/XX/2016, when today is XX/XX/XXXX - and they were PAID in XX/XX/XXXX, making this account inaccurate The PAYMENT HISTORY is missing for XX/XX/XXXX, making this account incomplete and in direct contradiction to a 30 day Late Stamp The BALANCE History is missing for XX/XX/XXXX, making this account incomplete and in direct and in direct contradiction to a 30 day Late Stamp The Closed Date/Date of Status - is inaccurate. 

Please verify the Account details - and update the account, or delete the tradeline.
Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -As u can see ... XXXX is reporting XXXX on XXXX site and XXXX on there own ... .not good or consistent.
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the proper s teps, 1. notify creditors 2. police report 3. informe d the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.   XXXX   sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding.  XXXX   XXXX  has an entirely different name and for some reason, the bureaus like   XXXX   are still allowed to perform this way without consequences. These companies disregard laws and dont care whos credit or lives they impact.
I have reached out to Alliance Interstate to make a settlement on a XXXX XXXX account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. Allied interstate refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting Allied Interstate provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.
My husband and I opened an account with SunTrust and three days later could not get access to the account. We called SunTrust and they told us that they could not tell us why our account closed and that we needed to call the fraud department. The fraud department looked XXXX of us up and told us that nothing was flagged on our account and that they saw not reason as to why our account got closed. Next, we went into an actual brand and again were told that they could not tell us exactly why our account got closed and when we would get our money back. Every time we talk to someone they tell us that they ca n't give us a time when we will get *ALL* of our money back. This is ridiculous and no one will help us.
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/XXXX Telephone Companies
My Loan is with Navient. I have XXXX loans totaling $ XXXX which were opened in XXXX. I did not get to finish school or graduate. I have been a single mother all these years and not gotten child support regularly so could not afford payments. Deferrments ran out. I Was not aware that I had an IBR back in XXXX because the repayment amount was {$0.00}. I have applied and been approved for a new IBR which began XXXX for {$31.00} and that I have paid. I have called customer service twice because the still have a past due amount showing which they are adding late fees and not showing anywhere that i have the IBR. My call on XXXX/XXXX/XXXX I was told if I enroll in auto pay, that they would erase the past due status and only take out {$31.00} on the XXXX of every month. Today I get XXXX emails saying different crazy things so I checked on my account online and they show that they will be taking {$150.00} out of my account with auto pay on XXXX/XXXX/XXXX!!! I calle dand spoke to a customer service agent and she just talked over me at first then researched why they changed the payment amount. She came back on the line and said that my account online will show that they are taking out {$150.00}, but not to worry they will only be taking out the {$31.00}. I have tried to call and work with them since XXXX of XXXX and they will say one thing one day and something different the next. I have documentation that they approved the IBR and the amount. But they will not reflect it on my account anywhere. The customer service agents do not speak very good XXXX and they are rude, nobody wants to help you. How can they cheat people who are really struggling and trying to make good on their debt. I make {$13.00} per hour and that is what I live on as a single mom. Please help in some way.
In my public records on TransUnion it shows i have a state tax lien from XXXX 2005 that is not paid but just filed i contacted the local courthouse in my county which is XXXX XXXX Indiana at the clerks office and they said it has been paid back in 2005.. But on my report it still says it is just filed and not paid.. they said i could come in and get a copy and give to my credit bureau.. So how do i do this?? Or do you request it from the court house..thank you..
XXXX XXXX charge this account off and applied a lot of late payments to my credit report basically damaging my credit score they sold the account after it was paid completely off now the still trying to charge me again ... this charge off account should be remove off my credit report ...
There are a number of accounts showing on my Experian Credit report that I do not believe are mine. Experian has failed to provide a method of verification to prove these accounts belong to me and should remain on my credit report.
I been paying a lot of money on my student loans for about 3 years, about 600 dollars and I have n't even been able to get a job for the specialty that I graduate from. I have to get two jobs to get by with my personal expenses and student loans.
Hello. XX/XX/2018 my friend and I went to a bar/club in XXXX XXXX. My bill was around XXXX euro and with the tip the total that I signed for it was XXXX euro. The next morning I saw the charge. It was XXXX euro extra ... I called my bank Chase and the merchant. Chase credit my account the XXXX euro and a couple months later they charged my account the XXXX XXXX euro ... No one contact me to tell me that. I called Chase corporate and I talked to all the higher ups and I wasn't getting anywhere ... I went to my branch in XXXX XXXX XXXX XXXX and I requested to see the signature on the receipt. It's so clear that the signature that my bank has on record is different with the signature on a receipt they send ... from XXXX. The branch manager in XXXX XXXX in front of me told the manager at Chase claim department Corporate office that my signature wasn't on the receipt and that They should deposit the XXXX euro back to my account ... Chase told me to contact XXXX and XXXX was telling me that Chase bank is responsible for the fraud. My claim number at Chase is. XXXX. I have on my possession the signed receipt with the fraugally signature .... that Chase received from the merchant in XXXX ... My branchs phone number is XXXX. Thank you XXXX XXXX. My phone number is XXXX Please help me find justice and also protect other consumers from fraud especially when they travel. My email is ( best way to contact me ) XXXX XXXX
XXXX XXXX XXXX was assigned by XXXX XXXX to collect a debt, on XX/XX/2018 I called XXXX XXXX and paid the amount of XXXX to close the account with debt paid in full. I spoke with a man who identified himself as XXXX, the calls are recorded so there should be a recording of what I report. He did ask me if my bank account was frozen, maybe not the exact words, but I replied no, not that I was aware of. I later discovered their was a garnishment against my account, actually 2 accounts but there was enough to cover it in one account. I called back and explained that I needed the hold released because it was my mortgage and I had already paid it. He stated that they could not release it so I ask if I should stop payment on the payment I made by phone because I didnt want to pay it twice nor could I afford to. He informed me that if I did that it would make the process longer, but would not give me an amount of time it would take to return the money to my account. I have since had several conversations with different staff there, some, well most of which are extremely rude, and I have spoke with my bank and the court clerk. The courts filed the release on XX/XX/2018 and the court sent the money to XXXX XXXX. I called again and requested one of my 2 payments be returned at which they replied ; they have not received it. I understand the need to collect a debt, but no one should be allowed to hold your money indefinitly just because they want too, if that were the consumer we would be required to pay interest. This is an unfair practice and should be looked at by government officials. The average working person could lose thier home, car, or anything with the loss of that income for months and who knows how much longer. Consumers deserve to be protected from this type of business practices.
They call all hours of the day and night with recorded messages, spoofing their caller ID information XXXX
On XXXX XXXX, 2015 I requested that TransUnion investigate XXXX XXXX XXXX XXXX tradelines listed on my credit report, numbered XXXX ; the same tradelines I successfully had removed from my XXXX credit report. In the complaint I requested that they provide me with documentation of their verification process to ensure that they performed their due diligence. On XXXX XXXX, 2015 I received my dispute results ; XXXX of the tradelines were removed, however the other XXXX remained. To date I have not received any documentation surrounding their verification of the remaining XXXX trade lines. 

Prior to filing this complaint I called TransUnion and spoke to a representative ( XXXX/XXXX/2015 @ XXXX ). I spoke with an extremely arrogant representative who dismissed my complaint as being inconsequential to the validity of their report.