WillisBack/dataset-financial-user-claim huggingface dataset:
I was notified through a credit monitoring service that I have a collection outstanding with Professional Finance Company XXXX XXXX, XXXX, Colorado. I contacted them on Friday XXXX XXXX, 2015, in order to get verification that 1. ) the debt is valid and 2. ) information regarding from whom the alleged debt is being collected, 3. ) any sort of proof that I was properly served by the alleged debt collector and/or the debt collection agency ( i.e. a certifiied mail receipt or something like that. ) The representative refused to give me proper information and stated that if I were to determine that the debt was valid ( which I 'm not sure that it is ) that I get a letter from them, on their letterhead, signed by an authorized representative that the collection is paid in full with a {$0.00} balance and that any obligation to them is fully released, and that they will report this information to the appropriate credit bureaus within 30 days. If they are going to hold my credit hostage I should have some reassurance other than their word they will report accurately to the credit bureaus. They have already proven that they are willing to report collection information on my credit report without proof of notification that the debt exists. It would be unreasonable for them to not provide me with any evidence to protect my credit and my good name if I were to 1. ) acknowledge the debt exists, 2. ) not provide me with any sort of documentation to prove to the credit bureaus that the collection is paid if they fail for any reason to report the truth. In the near future I would like to buy a house, and as a former mortgage originator I know that in order to get a home a lender is going to require that I pay the alleged debt regardless if it is valid or not. The debt collection practices are both deceptive and unfair in my opinion.
In mid XXXX XXXX, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
I have been with chase credit cards for over 2 years and they kept me at the maximum apr rate i tried to call to resolve they told me they will not lower my apr. I havent missed a payment ever and have top tier credit score. I dont understand why they are doing this to me.
Enhanced Recovery placed an account from XXXX on my credit report on XX/XX/XXXX. I called this company and spoke with an agent to find out what this item is, and I was informed it was an XXXX account from XX/XX/XXXX. I told the guy I do not have an account with XXXX. I called XXXX on XX/XX/XXXX and I was told I do not have an account and do not owe XXXX any money. I want this account removed from my credit report immedialety because it does not belong to me
Citizens Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}
The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX  and XXXX  to remove late payments. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.
Once upon a time I had a XXXX phone. My contract was up XXXX month prior to the phone ceasing to work. I paid my last bill ( for a phone that was n't working ) and XXXX continues to harass me, and claim I owe them money for a {$50.00} phone I have n't owned since 2009. I want this off my credit report and I want XXXX to know that I am not paying them another dime.
Hello, there is a 2012 Chapter XXXX Bankruptcy filing with docket number XXXX that was added on my score that I have been disputing for over 6 months to get this filing withdrawn. 

I have talked with with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. 

I called and spoke with a manager and asked from TransUnion on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had XXXX representatives tell me that the dispute is sent as a message to the courthouse XXXX. Once the court verifies it, the information is transmitted back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they instructed me that they do n't release any information via the credit bureaus. 

I decided to call TransUnion back to speak with another manager, but this time they advised that the information is given by the contractor who contacts the court house. 

I asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor report to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

TransUnion refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.
auto finance bank is now harassing me that I will go to jail. I got this vehicle XXXX months ago and have had nothing but problems with the vehicle smoking, breaking down, and now they said they will put a new engine in the vehicle, but now they wont and said they will come and get the vehicle, even though my payments are up to date. but ive had numerous harassing calls that are recorded, and texts of name calling and other things
To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, TransUnion, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX
After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted both Transworld Systems Inc and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since  XXXX  of   XXXX  . Transworld Systems Inc is claiming that I owe a debt of {$35.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.
XXXX XXXX XXXX & XXXX XXXX  XXXX is saying I owe this debt, but I DO NOT owe it. 
I was victim of of identity of ID theft.
I did not receive notification from the debt collector ALLIED COLLECTION SERVICE for a bill from XXXX. This was placed on my credit report without my knowledge or ability to pay before it was reported. I just received my first communication with a debt collector, XXXX XXXX, XXXX XXXX XXXX XXXX, on XXXX/XXXX/16. They stated that this debt had not been reported to any credit agency and was not on my credit report. ( I settled the account and paid it in full on XXXX/XXXX/16 with XXXX ).
Got an email that stated in the subject line Warrant for your Arrest. This is illegal to threat to scare me into paying.
On XX/XX/XXXX I received a debt collection letter from Suburban Credit Corporation, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 
The Letter stated that I owed {$81.00} for a Year XXXX debt associated with XXXX XXXX XXXX. I'm assuming that this Center is in XXXX. I lived in XXXX  until XX/XX/XXXX. However, I never received notice of this debt in XX/XX/XXXX nor XX/XX/XXXX when I moved from XXXX back to XXXX. I never received notice of this debt while living in XXXX after moving from XXXX. 

I wrote two Letters one dated XX/XX/XXXX and the other dated XX/XX/XXXX in response to the debt collection letter. I essentially stated that I was never aware of this debt and that the stature of limitations had expired for collection of this debt. 

I have not received any correspondence back from Suburban Credit in reply to my letters, to date.
I opened a checking account at Citibank under the promotional code XXXX. This promotional offer is a {$400.00} bonus if I deposit {$15000.00} in new to Citibank funds into a checking account, and holding the money for XXXX days. Once that requirement is fulfilled, Citibank had XXXX days to credit me the {$400.00} bonus. I deposited {$15000.00} into my new checking account on XX/XX/XXXX. Therefore, the bonus should have been posted to my account by XX/XX/XXXX. As of XX/XX/XXXX, the bonus has not posted.
My account with XXXX XXXX XXXX was cancelled less than 15 days of getting a telephone service from the company when I found that they company did a bait and switch in which they promised a certain fee for using their service. When I received the first bill, which I received within 15 days of signing up for the service, the bill was XXXX the promised rate. I immediately called to cancelled the service and I was advised they account was cancelled. Now this charged has being on my credit report since 2011 and is having a huge impact on my credit report. On Experian, my FICO score is a mere XXXX compare to the other XXXX agencies where my FICO is above XXXX
On XX/XX/2018 my credit score went down 85 points overnight due to XXXX Incorrectly reporting that my account had been closed. The account is still open, I sent in a dispute with them and they basically denied the dispute and said that they reported the information correctly. This is the second time my score has dropped because of this company last time it was 100 points and took my score to a XXXX i'm on a repayment program of {$0.00} because I was laid off from work and I start back to school in a few weeks and I don't want them saying that I need to pay anything and ruin my score even more. theres no reason why they should even be reporting on my account. I am a mother of XXXX and I'm in the process of trying to purchase a home this is negligence on there end no one should have to deal with this company they don't care they don't have good customer service and judging by the rest of the complaints I'm not the only one who feels this way. This is enough to make no one want to peruse an education. I would like them to report the correct information and get my 85 points put back or to actually remove the accounts like they reported that they did.
On Saturday XXXX XXXX, 2016, I tried to make a payment online to my sister 's credit card and this card is Discover Card. The account number ending in XXXX and I tried a couple of times. It kept on saying something like " Sorry we ca n't process your payment. Please try again at a later time ''. In short, I did n't get a confirmation number that the transaction went through. Yesterday XXXX XXXX, 2016, I called Discover Card customer service cause I saw XXXX transactions from my bank account that was in process for the amount of {$250.00} dollars. I wanted them to reverse XXXX of the payment but they kept on saying that they needed to get approval from my sister cause I was not on the account. Today XXXX XXXX, 2016, my sister and I had a three way call and they would not admit that their online had taken my money without letting me know. Instead, they said that on their end they have a confirmation number and this transaction is legitimate. I told XXXX with ID # XXXX that how can you have a confirmation number and I did n't get one. What I had was a screen that said to try again cause their online was having some trouble. All I wanted for XXXX to do was to reverse XXXX of the XXXX {$250.00} dollars back to my account. She said theirs nothing they can do because as far as she is concerned that they did n't have any problem with their system. I asked her, do you have any note that on Saturday XXXX XXXX, 2016 that your internet was having problems taking payments. She said they did n't have any problem with their internet. I told her that I spoke with XXXX with ID # XXXX who confirmed that on Saturday XXXX XXXX, 2016 had some internet problems and was very sorry that this had happened to me. 
My complaint and want to have done is for Discover Card investigated with this internet transaction that was done on Saturday XXXX XXXX, 2016. I told XXXX that this is a fraudulent act that Discover Card done to me because I was never informed that this transaction ever went through and yet my bank was withdrawn twice for the amount of {$250.00}. I never received any confirmation notice that you normally get after the payment have gone through in the internet. Please investigate this internet transaction because I do n't want any other victims experience the same thing what had happened to me with Discover Card. I want Discover Card be liable of this transaction and be hold accountable.
I have been trying to find help with a situation that affects me and many others ( per posting on the web ) I am beginning to feel that if the business practices I will describe we was directed to one of the big banks, I would be getting all the help I need as there would be big media attention, etc. BB & T is a good size XXXX XXXX. 

I really wish someone would contact me by phone so I could explain in a more understandable manner but I will do my best nonetheless. 

I am basing my complaint on what I believe is an accurate legal description of fraud ( A statement need not be affirmative to be fraudulent. When a person has a duty to speak, silence may be treated as a false statement. This can arise if a party who has knowledge of a fact fails to disclose it to another party who is justified in assuming its nonexistence. ). 

SUMMARY : In three full years since I took out an auto loan with XXXX XXXX XXXX ( XXXX ), I have made a total of {$13000.00} worth of payments and yet my balance has only decreased {$840.00}. 

WHAT IS THE CAUSE? 
If someone is behind on their payments, XXXX will solicit one to accept a payment deferment. They explain the payment will be tacked on to the end of the loan. The result is that the deferred payments continue to accrue interest. The result of this, which is NOT explained, is that there is virtually no chance of a consumer ever paying their car off unless they are able to come up with a huge lump sum payment. This leaves the consumer extorted, either borrow more money to pay off the car or have your credit ruined. I OTHER INFO : There are multiple complaints against XXXX online from consumers experiencing the exact same scenario I find myself in. I ONLY find this situation with XXXX. In addition, two of XXXX 's phone representatives have told me this is a systemic issue with XXXX and that they don't care because it makes them the majority of their profit. This may explain why they are so anxious to push loan extensions on consumers. 

XXXX 's disclosures not go into more detail than they did when I did my early loan extensions. Even so, they STILL do not adequately advise consumers that they likely will not be able to ever pay off thier automobile, especially if they have more than one extension. 

CC : Office of United States Senator XXXX XXXX, The Office of US Representative XXXX XXXX, The North Carolina Department of Justice Office of the Attorney General and the Consumer Protection Financial Bureau.
I made a balance transfer awhile back for a 0.0 % interest rate until XX/XX/XXXX with Bank of America. I owe {$7700.00} of XXXX on it. I have not used it for purchases for many years. I 've made payments by auto-deduction from BoA. I was stuck at the last minute for a business trip and bought an airline ticket, XX/XX/XXXX. As soon as I was reimbursed, I paid it to the credit card. Since then, I kept having missed payments, and the minimum payment was always very different. Today I made another call to them, and was told I have 10.49 % interest on my airline ticket purchase. I said I thought the payments went to the highest interest rates first. He told me since the government has changed the credit card regulations ( or something like that ) the opposite was true. Is this true?
My bank sent new debit card to my old address, somepne got it activated it and later on used it for purchases at different locations but mainly XXXX store where they took out my whole balance of XXXX dollars, i found out about that when i went to make a deposit at my bank, Teller told me to call fraud which I did, fraud made an investigation and they refunded me with only XXXX dollars and they said that other transactions occurred with my physical card present, i filed a police report online. 
I was shocked to know that my bank is not responsible about these charges since my card was stolen and was activated from different phone mumber as my bank has told me.. 
I tried to call the bank fraud person assigned to my case to follow up with her since I filed police report but she is not answering or calling me back. She gave me the last XXXX digits of the phone # used to activate my debit card and refused to give me the full number.
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wants to charge me administrative fees, interest, and penalties. 

I departed XXXX XXXX on terminal leave in XXXX, XX/XX/XXXX 

XXXX paid final separation payment in XXXX, XX/XX/XXXX 

In XXXX, XX/XX/XXXX XXXX alleges they overpaid the separation amount. 

XXXX, XXXX and XXXX XX/XX/XXXX XXXX sent notices of the alleged debt to XXXX XXXX, per XXXX by phone XXXX XXXX, XX/XX/XXXX, the base I separated from. None were sent to my home address. Meanwhile XXXX has been sending XXXX Account Statements to my home address in XXXX, XXXX XXXX 

In XXXX XX/XX/XXXX XXXX reported this alleged debt delinquent to the Transunion Credit Bureau in violation of the law. The change in my credit rating was the XXXX notice I received of the actions XXXX was taking. Upon becoming aware of the Transunion report I contacted XXXX, said contact is still being ignored by XXXX. I will be at their office in XXXX later this week to investigate. 

Are there other retired military members who have had their financial reputations harmed by the actions of XXXX? Is it time for a class action lawsuit?
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim Such as I owe an unknown amount. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do n't continue to repost something on my credit that does n't belongs to me. You 're breaking the law. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
The credit card company sent a letter indicating that the card would be cancelled for non-use within 60 days. At issue is the impact of this cancellation on my credit rating. A call to the company provided no change to their cancellation plan.
I have tried to communicate with Portfolio Recovery Associates, LLC via certified mail on this particular account for the past three months. I have requested Portfolio Recovery associates, LLC to remove this incorrect account from my credit report. I have asked Portfolio Recovery Associates, LLC also to provide any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have also asked Portfolio Recovery Associates, LLC to provide names, Addresses and telephone numbers of each person contacted regarding this alleged account. I have told them via certified mail, that one of their employees signed for, that I any automated or XXXX verification is unacceptable. As of this date of complaint that I am filing with you, I have not received any documentation. The only response I have received back is that Portfolio Recovery Associates, LLC has verified and closed the case.

Account Name and address is Incorrect that is on the bill they are saying is mine. 
If not resolved I will be forced to file in small claims court.