WillisBack/dataset-financial-user-claim huggingface dataset:
On or around XX/XX/XXXXI received a letter in the mail dated XX/XX/XXXX. This is the first and only communication received from Cooling and Winter. No follow up letters or phone calls. 

I made contact with XXXX in order to set up payment arrangements, before I would be sued. However, I found out during that conversation that a lawsuit had already been filed. However I proceeded to set up an arrangement in the amount of {$50.00} a month for however long it took to pay off XXXX in debt as a means to resolve the referenced account and that they would be willing to partake in a consent order as a means of negotiating. During which I was instructed to not make a payment on the account until I receive forms to sign showing a contracted agreement. 

All of which brings me back to the letter. I had not received a phone call or letter from XX/XX/XXXXto present regarding the matter. Which means I had no time to respond. 

To which the letter indicated that no attorney at the time had evaluated or revised the circumstances of my account. 

Today XX/XX/XXXX, I received a phone call from my wife who took it upon herself to call to try to negotiate with XXXX. 
No permission was given to Cooling & Winter to speak to her regarding my account. My wife indicated to me that not only did he provide information regarding this debt, but that a lawsuit was being processed, that an arrangement was set up and the amount. He also gave her information as to how much was owed. She was trying to negotiate the account without my permission in trying to help. 

During said conversation, XXXX informed her of information regarding the consent order and payment information that O myself was not aware of because he failed to contact me. 

While my wife is aware of the money that goes in and out of my account we handle things of this nature separately. And frankly I dont appreciate my information being shared without my explicit written or verbal permission. 

Mind you since XX/XX/XXXXI have called and left messages regarding ng je paperwork XXXX was fo send for signing and never received communication.
Wells Fargo Home Mortgage Company routinely delays posting my monthly mortgage payments ; often until past due so that late charges apply.
Citibank had lied to me and continue to playing a game with me. Their deceptive practice is unacceptable. Need to be corrected immediately. I heard there were thousands complains about the Citibank on purposely delay or deny customers ' bonus. I think all the victim customers should file a class action lawsuit to against Citibank. 
I successfully deposited {$15000.00} to my bonus checking account and waited for bonus to credit to my account. Until now XXXX more days had passed I have n't see a penny. When I open the account, it was stated on Citibank 's website and I had personally confirmed with their representative, that If I deposit over {$15000.00} in to the account within 30 days of account open, and keep the minimum balance of {$15000.00} for 90 days, then I will receive {$400.00} bonus. My account was opened on XX/XX/2016 with {$10000.00}. My promo code is : XXXX. And on XX/XX/2016 I added {$5000.00} to make the total balance to {$15000.00} to meet the requirement. I called Citibank multiple times about my bonus, they all said I 'm qualified for the bonus, but they gave me a deference date the bonus will be credited to my account. Today, I had contacted them and they said they do n't know why I did n't have the bonus and I should have had already. By logic, they should just credit the bonus, XXXX, they said they need open a case to do a " investigation ''. What a baloney! This is the dirty trick they are playing. Unbelievable! My account is clear as pure water, there was a deposit date and deposit amount, and the total amount never changed during these XXXX more days. What to investigate? Citibank is just do n't want to honor the offer on time and playing a game. This kind of dishonor behaviors should not be tolerated.
I have tried submitting various complaints to  XXXX ,  XXXX , and Experian with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.
VALENTINE & KEBARTAScalling fromXXXX XXXX XXXX called me almost XXXX timeswithin the past few monthsDo not have debt owed to " VALENTINE & KEBARTAS " They have been told to stop harassing me with these constant never ending phone calls.
I have written to and called both Barclaycard and XXXX many times over the past few years. I bought one laptop from XXXX in XX/XX/XXXX and they charged me for two. The first time I called, I spoke with Barclay and they claimed to have fixed the problem. Then the second laptop which I did not purchase was added back onto my statement in XX/XX/XXXX, and Barclay said XXXX claimed that it was a valid purchase. 

I have called, written, and faxed both XXXX and Barclay multiple times and no one has solved the issue. I am paying an additional $ XXXX and interest on a second laptop which I have no purchased and I am no longer making payments. I made all of the payments I owed to the company to this point and if I were charged the correct amount, my payments would be finished by now. This is why I no longer make payments to Barclay. I have paid my dues and I will not pay more. 

That being said, I have attached all the communications which I have sent to the companies and all the necessary details are included in the documents. I have done all the steps I have been instructed to do and have provided plenty of time to resolve this issue -- far more than needed. I do not want my credit report to reflect negatively on me because of an issue that has not been resolved. The last communication I sent was on XX/XX/XXXX and I have received no follow up to date. I sent two faxes and seven hard copies to various departments of Barclaycard. 

I am extremely disappointed with both companies and I strongly suggest never using the service or purchasing from them because they will not solve your dispute.
I have an address added to my XXXX report at which I have never lived. It is concerning to me, as I have not applied for any new debt, etc. XXXX said I would need to write a letter to dispute the information and change my personal information, which does not make sense, as I highly doubt the person making the initial change went through the same steps. They also would not review the information unless I paid them a fee. I am also concerned of possible idenitity theft, but was told it " must be '' from a credit card or loan I already have, as there were no new inquiries.
I HAVE ATTEMPTED TO DISPUTED THE INACCURATE INFORMATION WITH THE COLLECTION AGENCY AS WELL AS THE CREDIT BUREAU AND THE INFORMATION IS STILL REPORTING INCORRECTLY AND IS HINDERING MY CREDIT AND STOPPING THE PROCESS OF ME PURCHASING A HOUSE. THE ACCOUNT ISN'T SHOWING IT HAS BEEN SETTLED.
Greetings, I 'm writing to ask, What good is the H.A.R.P program, if the banks all turn you down? If the object is to assist people, it sure is a lousy program. I 'm currently paying 7.5 % with payments at {$1100.00} a month, yet every bank I ask will not let me refinance due to not enough income??? I currently make about {$1300.00} a month income, and have not missed a payment since I took over the loan, yet no one will let me refinance to a lower rate, which will reduce my payments. I would love to be able to afford hamburger helper occasionally, instead of raman noodles and what vegetables I can grow in my garden. Time is running out on the program, I would like a refinance before that happens. 
I used Quicken Loans only as an example since its the most recent bank I approached, but this is the case with many places I have tried.
They called me about a year, year and a half ago and said I need to make a payment. I thought it was a different company and gave him my information when I realized the information was not matching my loan and had the card company give it back. They said I better not do that. Then I asked for dates and names they always gave me different dates and different middle name. Then they refuse to give me any information. I started getting calls saying I was going to jail and they were putting a lien on my driver 's license. Now they are saying they are going to have court papers delivered to me. I check with district court there is nothing like this under my name. Then today they call my family member and left a message that they will deliver these " papers '' to me at my home or work tomorrow. They called from an unknown number. My family member forwards the message to me. I have save 2 or 3 of the recordings they sent me.
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to Low Country Credit Inc. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.
Please refer to XXXX, the original complaint I filed against Elan Financial Services on behalf of my client, XXXX XXXX. Elan Financial sent a letter on XX/XX/2016 and refunded my client 's {$240.00} with a sincere apology. Shortly thereafter, in XX/XX/2016, my client received a collection letter on the ELan debt. XXXX XXXX called me and I told her to throw the letter away. On XX/XX/2016, I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Minnesota XXXX. The letter states their client is U.S. Bank National Association dba Elan Financial Services. The letter acknowledges the death of XXXX XXXX 's husband and claims an unpaid balance of {$420.00}. I have since received numerous telephonic messages from XXXX XXXX regarding this debt. 
Obviously, because XXXX XXXX contacted me, XXXX XXXX 's attorney, Elan Financial Services provided DCM with this information. Any correspondence between myself and Elan Financial had been to resolve the original error on Elan Financial 's part and the extensive documentation, except for my contact information, was intentionally ignored or discarded in pursuing my client. 
What is the recourse for this? My client has suffered continually at the hands of Elan Financial Services. Still emotionally fragile, XXXX XXXX has been forced to revisit her grief on the death of her beloved spouse, harassed for a debt she does not owe and continues to pay for my services in correcting the ineptness of and by Elan Financial Services and their representatives. This is outrageous.
HAVARD ONCE AGAIN VIOLATED FCRA, FDCPA, TCPA. FAIL TO ADHERE TO THE COLLECTIO AFTER CEASE AND DESIST.ORDER OF SAID ACCOUNT.
I have filed numerous CFPB complaints since XXXX of this year about XXXX XXXX Card and Experian 's reporting of it, yet false reporting on my Experian credit report continues. Specifically, there are XXXX XXXX XXXX XXXX previous CFPB complaints about XXXX Bank XXXX # XXXX ; # XXXX ; # XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX previous complaints about Experian XXXX # XXXX ; # XXXX ; XXXX ), for a total of XXXX XXXX XXXX XXXX, separate previous complaints about XXXX them since XXXX of this year. 

Why has the CFPB allowed the false reporting on my Experian report to continue? 

On an Experian credit report for me dated XX/XX/XXXX ( report # XXXX XXXX, XXXX malignant refuse is scattered throughout the report. On page XXXX, a charge off from XXXX XXXX is shown in XXXX of this year. Yet, again, on page XXXX of the same report, XXXX XXXX 's dirty litter remains on my credit report, when it is shown that it received a copy of my report on XX/XX/XXXX 

In view of the systemic, wanton lying on the part of XXXX XXXX, XXXX Bank and Experian, as documented in XXXX complaints now, I ask the CFPB to sanction all XXXX of these bad actors in the credit, credit reporting, and financial services industries. 

All XXXX of these institutions should be shut down immediately, all of their receipts should go to a special master and they should all be fined heavily for their wanton violation of fair credit reporting laws. 

All reference whatsoever to XXXX XXXX in my credit report should be eliminated once and for all, and all sewage streams that continue to try to dump refuse about it into my report should be permanently XXXX and denied any further access to my report. 

Experian should be fined daily, with exponentially increasing amounts, for its failure to implement these corrections.
Never received a bill for this debt. Debt is from XXXX XXXX of Louisiana, however I have been living in North Carolina since XX/XX/2017. Unable to offer payment of debt before being sent to collections due to no bill being received.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I have informed this company on several occasions that I am not allowed to receive phone calls at work. I spoke to a representative on XXXX/XXXX/15 who assured me he would remove my information from their system and I would receive no further calls at work. He transferred me to an office manager who asked me to verify my social security number. I refused and asked to be mailed information, and he hung up on me. Today, XXXX/XXXX/15, I received a voicemail on my work phone from this same company stating that my claim had been escalated to litigation as I had refused to contact the company and make a statement on my own behalf. Once again, they have left a message on a phone that my supervisor has access to.
I've filled a dispute with Transunion, in regards to a late charge that appeared on my credit card statement that was inaccurate for XX/XX/XXXX. The payment was never made late. 

I first tried to contact the credit card company " XXXX XXXX '' which at the time was extremely rude and short. About a year went by and I came to find out that I had an option to dispute that late charge. 

I filled a dispute with Transunion. My dispute was filled on XX/XX/XXXX and I still have not heard a response. Can you please help me resolve this issue and get this inaccurate late charge lifted from my credit. 

Thank you!
I filed for Bankruptcy Protection on   XXXX   XXXX   XXXX   and also filed a Reaffirmation of Debt with Ford Motor Credit. During the Bankruptcy Period, Ford Motor Credit was Prohibited from collecting auto payments in lieu of my reaffirmation, enforced by   XXXX   XXXX   XXXX   XXXX  , that I would not include my car as part of the bankruptcy case. I held up my terms of the reaffirmation of debt agreement and was discharged from Bankruptcy protection on   XXXX   XXXX   XXXX  .

Therefore for:   XXXX   XXXX     XXXX   XXXX  
  XXXX   XXXX  
  XXXX   XXXX  
my account payments should either be in good standing or Not reported. However, Ford Motor Credit refuses to update my account and all   XXXX   credit bureaus refuse to correct my credit report. 
It shows:   XXXX   XXXX  : 30 days late   XXXX   XXXX  :  OK, which is odd because I did not make a payment and in   XXXX   XXXX   I was apparently 30 days late
  XXXX   XXXX  :    30 Days late
  XXXX   XXXX  :  Back to OK, even though I did not make a payment and was apparently 30 Days late in   XXXX   XXXX  .

This results in my credit score being lowered and I have been turned down for credit on numerous occasions, citing information in my credit report from all  XXXX  credit bureaus.

In particular, I was turned down for an important car loan from my own   XXXX   XXXX   XXXX   XXXX  , due to my payment history with Ford Motor Credit. 

Please help correct my Ford Motor Credit Account with all  XXXX  bureaus.
FORD MOTOR CREDIT   XXXX    XXXX   XXXX  
 XXXX , NE  XXXX 
  XXXX   XXXX  
Date Opened:	 XX/XX/XXXX 
Responsibility:	Individual Account
Account Type:	Installment Account
Loan Type:	AUTOMOBILE
Balance:	  XXXX   Date Updated: XX/XX/XXXX 
Payment Received: XXXX 
Last Payment Made:	 XX/XX/XXXX 
High Balance: XXXX 
Pay Status:	Current; Paid or Paying as Agreed
Terms: XXXX  per month, paid Monthly for 72 months
Date Closed: XX/XX/XXXX 
>Maximum Delinquency of 30 days in  XX/XX/XXXX  and in   XXXX  <
Remarks: REAFFIRMATION OF DEBT; DISP INVG COMP-RPT BY GRNTR; CLOSED

 
 XX/XX/XXXX    XXXX     XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX    XXXX     XXXX     XXXX     XXXX  
Rating
OK
OK
OK
OK
OK
30
30
OK
OK
OK   XXXX  
 XX/XX/XXXX 
  XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX 
  XXXX    XX/XX/XXXX    XXXX     XXXX  
Rating
OK
OK
OK
OK
30
OK
30
OK
OK
OK
I received a voice mail from XXXX, at Prince Parker & Associates, for me to call her back. I called her back and she proceeded right away to tell me that they were attempting to collect a debt from XXXX XXXX XXXX. When I tried to explain to her that I would need to contact XXXX XXXX XXXX back because we do not owe that amount. She cut me off and did not want to hear anything I had to say. She kept telling me that I was not calling costumer service that this was a debt collection agency and I was turned over for non-payment. That I could either pay it or tell her that I was n't going to pay it and she would not the account that I was n't paying and they would take action from there. I told her that since she was not going to listen to me. That was fine and that our conversation was over. She was extremely rude and aggressive during the entire call.
Car repossessed on XX/XX/2018 for a back due amount of {$650.00}. I missed one payment and the next lease payment was due. I had some problems making the lease payments in the past on time due to some financial issues I was having but they were always made often with me paying a late fee. Chase never once tried to work with me to come up with a plan that could work for both of us. I received a certified letter on a Friday and they repossessed the car on Monday. The calls I did make to Chase were often handle by rude, abrupt customer service representatives. I did file a complaint with the attorney general of Pennsylvania but they were unable to help. l
ENHANCED RECOVERY COMPAN XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX Balance {$600.00} Highest Balance {$600.00} Opened XX/XX/XXXX ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX I have no clue about this account. I contacted them about it. Nothing has been done about it. I was told the account was opened in XXXX and we are in XXXX. Why would it take 5years later for them to report this account. Its fraud
I have XXXX accounts listed on my credit report by a collection agency called " XXXX XXXX XXXX ''. I have disputed both with Transunion and the response was a remark on my report indicating " DISP INVG COMP-CONSUM DISAGRS ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type both are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither Transunion nor XXXX XXXX XXXX have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have?
THIS ACCOUNT at Bank of America and this Loan was fraudulent. XXXX  and XXXX  removed the account but XXXX refuses. I have FTC Fraud Report and Police Report. Plus I have asked BofA to produce proof of loan and they can or will not. 


Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities  when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, Fraud Victim Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files XXXX   STATEMENT XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

ACCOUNT DETAILS Account Name BK OF AMER Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$9100.00} Balance Updated XX/XX/XXXX Credit Limit {$8000.00} Monthly Payment - Past Due Amount {$9100.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - FRAUD NOT MINE
I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, XXXX, and Equifax and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.