WillisBack/dataset-financial-user-claim huggingface dataset:
Chase credit sold credit cards that was not mine to XXXX party robo card collectors. It is still showing up on XXXX. Thank You
Around XXXX and XX/XX/XXXX Freedom Mortgage was almost late paying my property taxes as I received a correspondence in the mail stating that they have not received payment and that if its not sent by a certain time I will incur a penalty. Also on XX/XX/XXXX I sent in a wire transfer of {$850.00} to Freedom and have yet to apply the payment to my account which is causing me to be super late with my mortgage payment. This company has some of the worst customer service and are not willing to assist you in trying to resolve any issues. I asked to speak to there superiors but they claim they would n't be able to help me and they will tell me the same thing they told me. Totally unacceptable with this company.
Account balance from creditor is higher than what has been reported to me by more than {$8000.00}. Contacted creditor and they stated the amount is the lower balance that I was aware of and that I have no delinquencies, but my creditor report shows otherwise.
XX/XX/XXXX or XX/XX/2016 I opened a new account with Citi through XXXX XXXX, it is a double cash card. I opened this account because they offered a 0 % interest on purchases and balance transfers for 18 months. I recently looked at my statements and noticed that they charged me interest. So I messaged them to inquire why they were charging me interest, and they told me the 0 % offer was only on transfers and not on purchases, that the 0 % offer for purchases ended XX/XX/2016. I asked how the offer could expire on the day I applied and was approved for the card, ( give or take a few days ) and they kept repeating that the offer was for balance transfers. I know they are being dishonest, I NEVER open cards with an interest rate on purchases, especially one as high as they are charging me, 19.24 %. It would n't even make sense to open a card with interest on purchases, as I had many offers with 0 % I did my homework, I looked at lots of cards, and I chose this one because they offered the longest 0 % rate on purchases and transfers. I feel like they are bait and switching customers and I think it is illegal to use such deceptive credit practices.
Capital One Secured Credit card. I have opened up a secured credit card with this company this summer 2018. I have my 3 credit reports and Capital One refuses to report to XXXX Credit Reporting. I have called them 5 times and they refuse to comply with Federal Law and the Fair Credit Reporting Act.
I keep getting calls at all hours, XXXX etc. XXXX. and I finally after XXXX calls got the heavy accented person to tell me the company calling me and my friends, relatives, is NCO from XXXX, florida. I told him I had turned him into the oregon state attorney generals office and the CFPB also, and he told me the case is closed, and now I will be served papers and sued from them and a company called XXXX XXXX XXXX whoever that is. He said it was a payday loan company, but I never took a loan with them. I asked why I hadnt recieved a bill and he couldnt answer that. The first call they wanted money over the phone, this call once I told him what I did, he said I would be served papers. On the internet there are lots of complaints about these people. They need to be stopped. I want to sue them if you will take my case. Please help me to make the phone calls stop. I have also filed a complaint with the state attorney generals office. Please feel free to contact me at XXXX during the day. I am XXXX and cant take much more of this harrassment. Thank You.
Below is the main body of the letter I sent to XXXX XXXX XXXX to correct their error. 

Time Line : XX/XX/XXXX o Lease begins and throughout the lease term we made payments through automatic withdrawal from our account. 
XX/XX/XXXX o Our mortgage company and I called XXXX XXXX XXXX and on a recorded line and I paid off the remaining balance of our lease. XXXX   employee confirmed on the recorded line that I had paid off our lease term. 
Bank statement to show the payment was made attached o Not only that but you reported to the credit bureaus that we had paid it off as there was a {$0.00} balance due. 
XX/XX/XXXX o We had an automatic payment come out of our account. 
Bank statement to show the payment was made attached o We called XXXX and spoke w/ another employee who informed us it was an error and credited our account back. 
o Credit to our account showed up on XXXX Bank statement to show the refund was made attached XX/XX/XXXX/XX/XX/XXXX o We received a notice that another payment was due. 
o We had called several times during this period and despite XXXX making a clerical error on their end we elected to simply pay the extra payment so that our credit would not be impacted. 

Please understand the time line above is an approximation. Your records should reflect the actual dates as well as your recordings of my phone calls. I had a good faith dispute about the charge you were saying I owed. Despite not agreeing with the charge I made the payment to avoid a negative impact to my credit. I was reassured several times by your employees that my credit was not going to be negatively impacted which I learned was not true. 
Credit is tied to everything we do. My car insurance is more expensive because of bad credit reports, loans are more expensive and more. To say I am disappointed in what you have done to my credit is an understatement. I have worked hard to have my credit be over 800 and have never had any kind of late payment on any account. 

I have also contacted XXXX directly and they have started a dispute electronically with you. I have also contacted the Consumer Financial Protection Bureau ( cfpb ) and filed a formal complaint with them. 
My hope is that you will do the right thing and correct my credit report and that litigation is not necessary. If you look at my file you will see that the above time line is pretty accurate. If you listen to the recordings that I know your company has you will also hear someone who had a legitimate dispute and that even though I disagreed with the final payment I made it as I was told by your company that it was the only way to avoid a negative impact to my credit, which apparently happened anyway. 
In the event you do not correct your error I am putting you on notice by this letter that I will file a lawsuit. As such I would expect all of the notes and recordings and anything else tied to my file be preserved in anticipation of that legal action. 
I appreciate your response to my complaint.
On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my XXXX  report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them
Capital One Bank ( USA ), N.A. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX. 

XX/XX/2018. 

i AM TRYING TO BUY A HOME. 

XXXX XXXX XXXX ISSUED ME A CASH REFUND ON XX/XX/2018 FOR {$3400.00} TO MY CAPITAL ONE CARD ENDING IN XXXX. CAPITAL ONE SAID THEY WOULD SEND ME A CK IN 10 BUSINESS DAYS. THEY DID NOT. WHEN I CALLED THEM YESTERDAY THEY ADVISED ME THAT THERE SYSTEM HAD BEEN DOWN AND THEY WERE NOT ISSUING REFUNDS. THEY THEN ADVISED ME THEY WOULD PROCESS MY REFUND CHECK AND SEND IT OUT IN 10 BUSINESS DAYS IMPACTING MY ABILITY TO CLOSE, WHEN I SPOKE TO A SUPERVISIOR AND EXPLAINED MY PROBLEM SHE HUNG UP. 
I CLOSED THE ACCOUNT ENDING IN XXXX HOPING TO SPEED UP THE PROCESS BUT NOW THEY SAY I HAVE TO WAIT 60 DAYS. I WOULD LIKE MY REFUND OF {$3400.00} ; MY ANNUAL MEMBER FEE RETURNED OF {$39.00} AND MY DUE ON SALE REWARD DOLLARS OF {$51.00}. THIS AMOUNTS TO {$3500.00} SO THAT I AM NOT HOMELESS.
I 've asked for the creditor to validate the debt by providing an itemized bill over a dozen times. During our correspondence they continue to harass and abuse me by calling me repeatedly at all times of the day offering to close said collection to coerce payment for a debt that I ca n't confirm to be true and valid. Despite these predatory and unlawful tactics they have now reported the collection to all three reporting agencies dropping my credit score from the high XXXX to the low XXXX. I have mailed them my rebuttals and their violations of the Fair Debt Collection Practices Act yet they still continue to with their unlawful ways.
Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of Experian,  XXXX  and   XXXX   XXXX  .
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As of today,  XXXX   XXXX , 2017, I have not received a copy of my credit report from any of them this year.
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I am applying for a mortgage and must get copies of my credit reports.
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Please force each of these credit agencies to send me a copy of my credit report without further delay.
I am XXXX with an excellent credit and Toyota XXXX had me pay a 1.9 % on my car loan.
I have disputed my credit report numerous times. There is a bankruptcy reported on my XXXX report. This is inaccurate. XXXX has deleted the inaccurate report. I will provide proof that the credit bureau XXXX and XXXX XXXX   are reporting inaccurate information
I took out a loan with XXXX XXXX finance in XX/XX/XXXX-XX/XX/XXXX for {$2600.00} and have been paying {$290.00} per month ( most months ) since that time with a total having paid to them of {$11000.00}. I am sending a cease and desist letter today ( XX/XX/XXXX ) and have issued a stop payment with my bank for this company. I have paid more than an adequate amount for this loan. Since the initiation of this loan, it has been transferred from XXXX XXXX to XXXX XXXX and Cash Call for management.
PCB IncXXXX collecting on a debt that provider already admitted did not owe. I have submitted {$150.00} to this collection agency and they will not respond to emails or phone calls to refund payment. 

Please advise. 

XXXX XXXX XXXX XXXX XXXX
I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called Ocwen, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. Ocwen has received my on time payments, since XX/XX/2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, Ocwen, kept me with a running 90 day late payment and has caused me financial harm.
XXXX XXXX XXXX XXXX was opened on XX/XX/2006. Shows a balance of {$10000.00}. It is over the 10 year limit on being on a credit report. I would like to request to have this item removed from all my credit reports from all credit reporting agencies. 

Thank You
I have XXXX paid collections remaining on my credit report this is hurting me from getting a home loan I sent written request to all credit agencies to have them remove. They show paid but open.
XXXX {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
XX/XX/XXXX To whomever this may concern, Hi, I would like to formally submit a complaint against TD Bank I have a business account with them that is associated with my XXXX XXXX company. Recently between the months of XXXX and XXXX I had a previous client named XXXX XXXX whom I provided a refund use my account and routing number in order to make unauthorized transactions. The following unauthorized transactions were XX/XX/XXXX for {$0.00} from XXXX, XX/XX/XXXX for {$100.00} XXXX XXXX, XX/XX/XXXX {$260.00} for XXXX XXXX, XX/XX/XXXX {$490.00} for XXXX, XX/XX/XXXX {$550.00} and XX/XX/XXXX {$210.00}. I saw the transactions and saw they were not from any of the bills for my business. I decided stop by TD Bank located at XXXX XXXX XXXX, XXXX, NY XXXX and I spoke with an XXXX American woman who I explained my concern and how I need them to help me close the account. She stated to me, " We are not able to close your bank account, the charges are pending they have to go through first ''. Since I realized I was not getting any help I decided to call TD Bank Customer Service to speak to a representative over the phone regarding the problem. The lady I spoke with over the phone asked me if I know a XXXX XXXX because he made a charge to XXXX with my account and another account for a XXXX XXXX in connection to XXXX and XXXX. She suggested we close down the account and open up a new account in addition to calling all the automatic withdrawal bills to contact them and tell them this account will no longer be in service. She helped me put in a claim for every transaction that was unauthorized and that within 10 days I would have my funds back. Recently I received a letter from TD Bank from the ACH Department notifying me that they are unable to refund me the XXXX charge for {$210.00}. The reasons were because it was non-revocable, or the revocation was not done in time to allow the company to act on it, therefore I would need to contact XXXX. I called XXXX on XX/XX/XXXX as soon as I saw this charge on my account and they told me their not aware of this transaction because it was not associated with my personal or business account. The only option I had was to contact my bank as it was still pending and they would not have anything to do with it since they had not received the funds. All of the unauthorized transactions have been refunded to me except for the charge of {$210.00}. 



Sincerely, XXXX XXXX
I applied for an apartment at XXXX XXXX Apartments in XXXX on XXXX XXXX, 2014 and had to pay XXXX dollars applications fee to run a consumer credit report to include criminal background check to check if I had any felonies. XXXX XXXX conducted the investigation utilizing information that was provided by XXXX XXXX. XXXX XXXX provided the information to the leasing office at XXXX XXXX Apartments that led to me being denied. I asked why I was denied was told that it was because of a felony on my criminal background report. I lost my XXXX and did not get the apartment. I asked for a copy of the information from the background check and discovered that the information that was reported was past the 7 years from my last criminal disposition which is a violation of XXXX XXXX ( XXXX ) ( e ) - Reporting of information prohibited No consumer reporting agency shall make any consumer report containing any of the following items of information : ( e ) Records of arrest, indictment or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years. Exception : If the salary of an individual equals or is reasonable expected to equal {$75000.00} or more, the 7-year restriction does not apply.
I recently filed a complaint on the collection tactics utilized by XXXX XXXX on behalf of XXXX and they are now retailiating against me because I filed with CFPB. On Friday, XX/XX/XXXX, I returned a call to their office from a voicemail received from - Sr. Specialist XXXX - - XXXX Ext XXXXand threatened to take legal action! 

I just spoke to XXXX XXXX on Friday at XXXX Ext. XXXX and paid {$200.00} per our Special Hardship Agreement due to our extenuating Financial circumstances, since my daughter was hospitialized in XXXX for over 34 days and I am currently unemployed and seeking full-time employment. XXXX XXXX is in the Hardship Department and has me set up for the {$100.00} per month as agreed and would be paying another {$100.00} on XX/XX/XXXX. We have gone through a lot with our daughter which has affected us financially ad emotionally and we are also U.S. Veterans who have served our Country during XXXX and this type of unethical tactics has to stop. 

I am tired of being harassed by XXXX XXXX and I am requesting them to cease in their maneuvers against me through your retailiatory, demeaning and undermining tactics because I reported you to CFBP. Stop Retailiating!
Negative inquiry was added to my credit report by a debt collection company for a debt older 4 years in California. Did not receive notice from this company.
Contact was made by D and A Services on XX/XX/2018 @ XXXX eastern time stating personal information such as address, date of birth and SSN the women proceeded to state this information was needed to be verified by me before they could sue on the behalf of another collection agency, neither agency has validated with a contractual agreement of my owing any money to them, so my response was to go ahead and sue, documentation is required in court. On XX/XX/2018 I received a collection letter not a subpoena. Unless this debt that has been validated ( with a contract ) not just verifying by general information or copies of documents without a signature, I owe nothing. According to the FTC, FDCA 1692 ( c ), ( d ), ( e ), and ( g ) threats to collect is an illegal practice, another illegal practice was contacting me by use of my cellular phone under the Telephone Consumer Protection Act 47 USC sec 227 ) without my written consent.

A letter of validation of a contractual agreement has been mailed to D & A services, I am waiting on the returned receipt, upon receipt I will be able to provide the information. I have returned receipt of documents mailed to the other agencies, it can be provided by fax or mail.
Ive had an XXXX XXXX XXXX account since 1998. I had an interest rate of approximately 14.9 % initially that stayed that way for quite some time. Eventually, the card was merged with Citibank and it led to my interest rate being raised to 29 %. I paid this for awhile and decided to contact the card company to have my interest reduced due to financial hardship. I was denied any leeway on the payments or interest despite my long tenure with the card and asking for temporary assistance. I continued contacting Citibank to request an APR decrease but was always denied. Im still looking for a resolution to this issue so I can make my payments without further putting myself in a financial bind.
Rushmore Loan Management Services assumed our home loan, and charged an Advance Adjust fee or {$76.00} without cause. No reason, just added $ to our principal balance.
This company was added to my credit report I don't know why they call and I tell them it's not my account and don't have any past debt with them and don't know who they are never did paper work with them
On my report is states that I have XXXX XXXX XXXX Student Loan accounts that are shown as a negative impact. However, all of my student loans are and have always been in good standing. They were all consolidated into a total of {$72000.00} which is list as a positive impact on my credit score. The XXXX XXXX accounts are listed twice basically, XXXX which is inaccurate and itemized as negative. And the second which is correct, as a positive impact. I 've reached out to XXXX XXXX which is now XXXX and they stated they show these loans were consolidated and paid in full. However, the negative marks are still on my credit report which credit reporting agencies refuses to correct.
The number listed above is my work number, I receive XXXX calls a day from this company, 7 days a week ; they do not leave a message. They also call my cell phone, XXXX, XXXX times a day. The calls start about XXXX XXXX and end around XXXX XXXX. They never leave a message. I called the number from my cell once and got a person with a heavy accent that was difficult to understand. They wanted my information to verify who I was but would not tell me their name or their company name until I gave them my personal information and I would not do that. I XXXX and found that the number they are calling from belongs to XXXX XXXX XXXX and found that they have several locations. I am going through a difficult time and behind with many of my payments because of medical reasons but I am looking into alternative solutions to try and get myself back on track with my payments.
i have had a collection agency, " XXXX XXXX XXXX '', who has misrepresented my debt. Originally the three debts appeared as roughly {$800.00}, {$900.00}, and {$600.00}, but now they have combined the three into one for {$2400.00}, yet left the three uncombined on my report as well. This is illegal and i demand all be removed.
Midland Collection placed illegally a lien on my home. I do not owe them any money. They ignored the statute of limitations to collect a debt. ( Arizona 3 years ) After hat the debt is considered uncollectable. They may have gotten a hold of an old account that was discharged in XXXX. That company does not disclose any information about this debt. They never informed me and my husband of a lien being placed on our home.
After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a zero balance. Review carefully and follow the law.
Disputed info with credit agency to please remove the incorrect/outdated in information & it was never done.
I have automatic payments set up with this company and yet the still continue to call and they also call my dads cell phone. They call almost everyday and they call more the once as well.
My credit was compromised and there were some things on my credit report that did not belong to me, I disputed them with the credit bureaus and some things were removed ; however, most things were not. There was a fraud alert placed on my credit report but I have not been able to access my credit report or scores since to see the final results, I need assistance with obtaining my report and scores.