WillisBack/dataset-financial-user-claim huggingface dataset:
I have had the same problem occur for the last two months. Collection agency  Receivable Management has repeatedly added an account on my credit report with inc orrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for   XXXX   and  XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureau s and Receivable Management concerning this issue and they are unwilling to fix the problem. This accoun t has been removed and should not be added every month.
Portfolio say that they reached out to me in XX/XX/2017 of having bought this alleged debt ending in XXXX. Do they have a signed mail return receipt? NO. i found out about this alleged debt in XX/XX/2017, I sent dispute letter to them. Threy broke the following laws 1. Did not notify me of this alleged debt prior to reporting 2. Did not mark my account disputed with in 31 days of receipt of this dispute letter. 
3. Did not COMPLY with sending me a COPY of MY AGREEMENT ( which I do not have a signed contract with them ) NOR a signiture, per requested. They have ignored ALL of my request UNTIL i got BBB involved now you CFPB and Attorney General. 

Which by LAW they are REQUIRED to follow.
My account shows XXXX accounts from XXXX separate amounts with a credit union that I had no prior business with and a medical bill that was paid 5 years ago. I 've tried to gain access to XXXX and the qualifying questions do n't match with the information that I have to continue with the process.
have been denied all avenues with BOA, so the terms of my HELCO converting to 180 month payment, 3.5 %, {$84000.00} monthly payment of {$710.00}. It appears that the monthly payment should be {$600.00}. I was told this is what in on the system so it must be correct.
I am filing a complaint towards the Capital One Bank due to their scams. I have been with capital one for a few years now where there has been a few situations I had to block or cancel my debit card because fraudulent transactions in the past but that is not the reason why I am filing this complaint on them. I am having a major issue with Captial one regarding two payments that were recently made to XXXX and were processed successfully during the time of payment but ended up being drawn back from my bank a week after the time of payment with a denial from XXXX that caused XXXX charge a past due balance for my upcoming bill twice in a row ... .capital one bank withheld the payment on their end. i had filed a complaint via phone to both parties. Capital one bank continuously blamed XXXX for their " error '' with charging double for two payments that were made but were n't processed. I did n't know what else to do, so I just reported XXXX to the XXXX to get to the bottom of this. Finally, I received a phone call from the CEO of XXXX where they were able to tell me that the scandal is coming from my bank after all. I demand Capital one bank to pay for my upcoming balance of {$700.00} to XXXX. I will no longer be a client to such an irresponsible and unsafe bank such as capital one.
I was informed by several people that operate businesses in the same category as mine that Flagstar would be a good choice for my banking needs. XXXX at the XXXX XXXX XXXX XXXX, MI XXXX branch informed us that based on our business, ( which they already have customers who operate and have accounts with the same business ) they would not even entertain the idea of opening a business account for us. They did not want to see financials, credit, or any other information. Once they heard we operated an XXXX servicing business he said " they were no longer taking on any more XXXX companies ''.
About two weeks ago, I wanted to purchase a refrigerator from XXXX. Doing the on-line paperwork I intended to use our XXXX XXXX that has a credit limit of {$14000.00}. XXXX offered XXXX dollars if I signed up for their credit card. I did and was told I only qualified for a {$1000.00} limit, half the amount. Called Experian and was not given coherent answers. Called XXXX, same result. Ordered a financial profile from Experian and they said " lenders may see you as very reliable ''. I made clear to XXXX and Experian that I owned my home, had no debts ( always pay off credit cards ), good bank account etc. Maybe they were worried I was too old-XXXX. Received an unsigned letter on XX/XX/XXXX, dated XX/XX/XXXX. The letter said my credit score was XXXX. Our bank, XXXX XXXX XXXX XXXX lists credit scores of XXXX for past 6 months at least and XXXX XXXX says our scores are at least 800. This was extremely sloppy research and neither XXXX or Experian attempted to call me. Bottom line, XXXX lost a {$2000.00} sale because of the incorrect credit score. XXXX credit reference reference number XXXX.
Greetings is purchasing an coop found out though XXXX XXXX about this debt collection agency filed a civil suit against me in year XXXX for a debt that was from XXXX XXXX. I do not recall owning a credit card from that Bank I am accuse of owning. Contact the bank with my real estate agent and they could not find anything for over a period of transfere and holds. Then after a good hour they said I had a checking account their which I had with my son but no credit card from what Im being accused of owning money on however received information they sold this account to a credit collecting agency. I called agency gave my name they said they could not find so gave social security number than they ask for my address in which I gave. I ask them how much money was I suppose to own and they said XXXX after a brief hold on the phone I told them I do not recall owning any credit card company that amount of money. Now today the XXXX of XXXX they send me a notice threatening to garnish my salary from work and having a notice issue after I said I do not own them money Now claiming XXXX dollars. Sir/Ms. I have been working on my credit report for some time and ask the credit bureau at the time and it was not on my credit report after searching for it. I pray for a quick resolution to this underhanded treatment. I am moving and this credit collecting agency has file falsely against me I truly believe I Do not own anything to this agency that file against me after they collected my personal information from me over the phone knowledge about me wanting to purchase my new home in a short time span. They are the only agency that is trying to collect money from me falsely. I pray that you review what I have written and give quick judgement for I am truly innocent on this if you can look at my credit report I have resolved with other creditors with debts I know I owe. This agency knew I would dispute because I told them I would so they went and refile again.
I received an alert in XX/XX/XXXX that negative information was added to my credit report. I saw that it was information reported to J and J for an old bill. I contacted the company to inform them that the debt was included in my bankruptcy in XXXX and XXXX. I emailed and faxed over paperwork showing this and was told that someone would get back with me, to date, no one has and the information has been added multiple times. Each time that I contact the business they tell me that someone will call me back and they never do.
On XX/XX/2018, I paid off one of my student loans ( loan 3, group C ) with OSLA. A few days later, I checked back to make on my account via the online interface to make sure that everything had gone through, and it had. I continued to make payments. On XX/XX/XXXX, OSLA sent me my quarterly account summary confirming that I only had one loan outstanding ( loan 1,  group A ). 

On XX/XX/2018, I logged back into my account and noticed that while the total amount of the loan was similar, it had retroactively been divided between Loan 1 ( a 5.3 % interest rate ) and Loan 3 ( a 6 % interest rate ), despite OSLA sending me documentation ( the quarterly account summary mentioned above ) stating that only Loan 1 was outstanding. 

On XX/XX/2018, I contacted OSLA 's customer service. The first person I talked to failed to acknowledge any problem and seemed to not understand what the problem even was ( she said, " well, the total amount is the same, '' seemingly not understanding that the interest rates between the two loans would have an effect. ) She passed me off to her boss who took a similar stance. They only agreed that there was a problem after I sent them quarterly account summary and screenshots of the payments that I made. 

I had checked my account a number of times between making the payment and XX/XX/2018 and all was fine. It seems that OSLA retroactively managed my account to disperse the funds in a manner that would benefit them ( specifically partitioning the money between the two loans ( 1 and 3 ). Their actions seem to define predatory lending.
I consolidated my student loans to Direct Loans in order to qualify for a loan forgiveness program.  Navient was given my Direct  loans. On  X/XX/2017   , I go to make my first payments and I choose to pay the  XXXX   XXXX , a private loan throug h Navient, a nd  XXXX  of the  XXXX  consolidated loans,  XXXX  amounts :  XXXX  $ and  XXXX   . I  go in to pay the other loan and noticed the loan due date did not advance on the student loan I paid.  Navient had  applied both payments to  XXXX  loan. So, I try working with customer service person to get the payments correctly applied. On  X/XX/17   , I pay the other loan according to what is on their website,  XXXX   . T hey apply the payment to the  XXXX  college loans and had reallocated the first payment incorrectly so I showed a delinquency on the training loan. I fe el Navient is at tempting to prevent borrowers from taking advantage of loan forgiveness programs by manipulating payment histories to reflect non-payment. I feel that the application of payments are contrary to what the borrowers believe are being done, by applying them to whatever loans they feel like instead of what the borrower has, causing borrowers great inconvenience and confusion by having to call to get funds reallocated. Furthermore, on the private loan, the associate and the manager treated me like I was willfully trying to get out of paying my payment when I was trying to figure out why amounts I had paid were not properly allocated. I will admit I was annoyed and rude, but it seems my dealings with Navient are constantly at odds based on how they handle payments and them giving me conflicting information on how to reapply for income driven or income based payment options. I feel Navient uses unfair, deceptive and abusive practices with borrowers.
Equifax data breach on XXXX/XXXX/XXXX. 

My SSN and various other identifying data were stolen.
I just received a credit alert from Equifax that XXXX XXXX XXXX pull my credit, I haven't applied for any auto loan, this is another fraudulent hard inquiry. I have been a victim of identity theft in the past and I have a fraud alert in my credit report but this company XXXX XXXX XXXX never called me to ask me if this application was mine. When I contact them to ask about this matter, they apologize but they didn't remove the fraudulent hard inquiry from my credit report, I got the same result when I called Equifax. Please remove this fraudulent hard inquiry from my credit report XXXX XXXX XXXX XX/XX/2018
Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX   XXXX XXXX '' from XX/XX/2015-present.
I opened an advance checking account with HSBC online on XX/XX/062018 for the welcome award they declared to all the advance checking accounts opened by XX/XX/2018. The requirements were to keep a balance of {$10000.00} for 90 days from within 30 days from the opening day. My account balance on the account as of XX/XX/2018 was {$10000.00}. HSBC was supposed to deposit {$350.00} into my account after 90 days from XX/XX/2018 and another eight weeks. I called HSBC customer service in XXXX just to make sure that the account has met the online requirements in opening such an advance checking account and the customer service representative assured me that every thing looked good and I can expect the award money into my account after the specifined days ie. 90 days plus eight weeks. When I didn't see the {$350.00} not deposited into my account even on XX/XX/2018, I called HSBC. The representative told me that It was not opened properly and I told her that I called in XXXX third week and got assured that it was done correctly. However she said that she will escalate the complaint and somebody from HSBC will call me. Nobody called and make several calls after that. Repeatedly I asked them why don't they email me about the process. Nothing. I withdraw {$10000.00} from the account because it doesn't earn any interest sitting there. When I called on XX/XX/2018 to request to close the account, the representative told me to keep the account as the complaint is escalated and they are looking into it. I asked her as I had met all the eligibilities and they know my address once it is approved why can't they mail me the check. She said that they don't do that! 
So I kept the account with a balance of {$100.00} from XX/XX/XXXX. Last week somebody called me to tell me that the account has to be in good standing to avoid the monthly charges. I am at a loss to understand why they are taking this much time to deposit the {$350.00}. Today, XX/XX/2018, again I called them and found that already a fee of {$25.00} had been charged to my account as monthly fee because it didn't meet all the requirements for an advance checking account. She told me that four weeks from XX/XX/2018 {$350.00} will be deposited into my account. Because of all the things happened, I have to wait and see whether that will happen or they come up with some other excuse.
CAPITAL ONE IS TRYING TO COLLECT MONEY DUE ON TWO ACCOUNTS XXXX AND XXXX WHILE UNDER AUTOMATIC STAY WITH THE BANKRUPTCY COURT. ALSO, FAILING TO RE-INSERT THESE TWO ACCOUNTS INTO XXXX DATA BASE AND XXXX  OWNED BY XXXX. 

PLEASE SENA LETTER FOR THE BANKRUPTCY TRUSTEE FROM YOU AND XXXX  BEHAVIOR. 

THESE ARE CLEAR VIOLATIONS OF THE DODD-FRANK ACT.
Debt is paid and is still being reported as derogatory to my credit report. I would like the account removed CRDT SYSTMS or something like that name CREDIT SYSTEMS.
On XX/XX/XXXX I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/XXXX and was signed and delivered on XX/XX/XXXX. To which I never received any response and then today I go onto my credit report on XX/XX/XXXX and see that they have been added to my credit files ( XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law
I requested XXXX XXXX 2015 via certified letter that I am disputing the debt and requested original documentation of the debt because they are reporting this negatively on my credit reports. They did n't respond to my letter. I also filed a complain with the XXXX. This is the response from the XXXX : After numerous attempts via telephone and certified mail trying to reach Pinnacle Credit Services LLC, they have chosen not to respond to our requests. We understand this does not resolve your complaint against the company and empathize with your frustration over this issue. We will be closing the case as " unanswered ''. Your complaint will remain in the company 's XXXX XXXX XXXX for 36 months, our standard reporting period. That review is made available to the consuming public, the news media and various regulatory agencies. Your complaint will reflect the lack of response by Pinnacle Credit Services LLC. Your complaint may spare another consumer from having the same experience that you had. If the company contacts you and a resolution is reached, please let us know so our records are current. Thank you for using the XXXX 's services. I have also filed a complaint with the Attorney General of XXXX and XXXX. I am at a loss on what to do next. They should not be able to conduct business in this way when they are consistently not following the FDCPA. This company has an extensive amount of complaints against them and needs to be held liable for their poor practicing tactics.
i was first solicited XXXX by phone. i paid a deposit XXXX for a business opportunity. i was supposed to receive including but not limited to the following : XXXX marketing services, page setup, fill out available fields, custom url, news feed builder, like XXXX industry or niche leaders, install XXXX badge onto clients website, discovery report, competitor & industry analysis, research clients business model & offering, identify targeted customer audience, demographic, behaviors and interests, develop final discovery report detailing finding, strategy report.i was never given the product as described. XXXX gave me back the money on the same charge, same company.
I DO NOT HAVE A LOAN EVER WITH CHRYSLER CAPITAL # XXXX THIS DOES NOT BELONG TO ME
Submitted a Texas Debt Validation request under the Tx Finance Code. National Credit Systems responded with an incomplete validation that did not cover all items requested or required by the Texas Finance Code. They responded that they are not required to send the information requested. 

National Credit Systems Response - " The consumer has requested information that is not relevant to the validation of his debt. We have mailed the legal and valid copies of charges to validate this debt, as required by the FDCPA. Please have the consumer review the charges and contact our office. Thank you, National Credit Systems , Inc . '' I did not file a direct dispute under the FCRA. It was requested under The Texas Finance Code Chapter 392 which by law requires the below information. 
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 XXXX a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
We were gravely impacted by hurricane Harvey that hit XXXX. On XX/XX/XXXX, the first floor of our home was completely lost resulting in the policy limit amount being paid to our mortgage company, Pacific Union Financial in XX/XX/XXXX. Our family was forced to cash out all retirement accounts and savings in order to begin construction on our home and prevent further damage in the amount of {$21000.00}. We did not receive a building payment from Pacific Union to repair our home until XX/XX/XXXX in the amount of {$49000.00}. Following this payment, and in the process of attempting to secure another payment to complete construction of the property, Pacific Union transferred our loan and I was informed by the XXXX XXXX  ( Loss Draft Associate ) that I would no longer be able to continue progress on my home until I could contact the new mortgage company and my escrow account could be moved. We have now been living in a hotel for close to six months and this company has postponed, delayed, and impede every attempt our family has tried to make in recovering from the hurricane damage.
My direct loan in amt of XXXX was taken overy by XXXX..I lost my job and qualified for deferment. Navient took over my loan but never contacted me to tell me this..when my year deferment was up I contacted XXXX XXXX to see about XXXX deferment and was told navient had my loan. I called and left numerous messages with no call back and last year they took our entire income tax return of over XXXX with no letter or notice. I called dept of student loans and was told my balance was {$7500.00} and was in collection. This was balance after XXXX return was applied. So they are taking my tax return again this year. How can I pay a student loan if no effort was made to tell me who owns the loan? So now I have defaulted loan..and no job and my credit is ruined
BMO Harris was running a {$200.00} sign up bonus promotion. After meeting terms, I inquired multiple times within last 120 days as to when funds will be paid. First 3 calls I was told I qualified and would be paid ( in order of phone calls ) next statement. close, 60 days, 120 days. Now, today, after 120 have passed and calling in, the bonus is somehow not to be found for my account ( yet was found first 3 times ). BMO Harris is not honoring the terms they gave me, nor the commitment made to me.
Receivable Performance Management company continues to call my home, cell phone, and now my place of business from several different numbers. When I answer the phone, I get no response. Finally when someone does respond, they wo n't tell me why they are calling me. They continue to call several times a day harassing me and not telling me the reason for the call. They ask me to confirm my name and address. After I have done so, they still wo n't tell me why they are calling. This has been going on too long and each time I block their number, they call from another number. They have called from XXXX, XXXX, and XXXX. I have asked that they stop calling me and they continue to contact me. The address and main number for this company is as following : Receivables Performance ManagementXXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX XXXX XXXX
There is a collections account on my Experian credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
I missed my payment a few times, not in a row, in the following months after, I paid extra to catch up each month. Instead of applying the extra money to my lateness, they applied it to the principle. The paperwork I received never showed my mortgage as delinquent until a year later. When I tried to straiten it out on the phone, they were rude, and said they could n't go back and change it now. Now I 'm paying hundreds of Dollars in late fees, and I ca n't get caught up.
I rented an apartment from a company - when I moved out they claimed I had a balance due. They are incorrect and are trying now to collect on a balance that is not correct. I have paperwork proving otherwise. 

They have sent me to a debt collector - I 've told the debt collector I deny the debt - the debt collector has mailed me a " proof '' of the debt - nothing signed saying I agree to the debt - just a " bill '' for something that is incorrect. 

I 'm told I will need to hire a lawyer to even begin to fight these guys and they are suggesting they are going to start reporting me to the credit reporting things. 

What can I do to fight this without having to waste time and money going to court to prove something I 'm not responsible for?
XXXX incorrectly charged my Huntington checking account when making a purchase ( I was never prompted in XXXX to select the account to charge, and they didn't use my default payment method ). I called XXXX to resolve the issue, but they informed me that they could not refund the amount charged and that I needed to dispute the ACH transaction with my bank. 

I called Huntington to dispute the ACH transaction. I was out of the country for a week and Huntington has cancelled the dispute since I was unable to respond fast enough. I have provided the requested paperwork and called, but the overdraft fees and the ACH dispute still haven't been resolved.