WillisBack/dataset-financial-user-claim huggingface dataset:
Hope all is well. I recently discovered a company by the name of Ad Astra Recovery Services- XXXX  XXXX XXXX XXXX ( Opened XX/XX/XXXX ) on my XXXX, XXXX and XXXX credit report. I was a victim of identity theft in XX/XX/XXXX by a family member. For the past six years I have had to put a fraud alert on my account every three months due to the fraud alert only lasting that long with all three credit bureaus. I have disputed and contacted the credit bureaus and was directed me to contact the company. I have contacted the agency by letter and by phone and have not received a response by mail. When speaking with a representative, they are very unprofessional and threatening. In my letter I have asked for valid proof of my obligation of this alleged debt as requested and they continue to report to the credit bureaus. Ad Astra Recovery Services has no yet responded back to me and has ignored my consumer rights for validation and need to provide proof of an actual contract between them and I with full accounting of the this alleged debt, that I actually signed and they actually signed. I ask for this information to submit into my local law enforcement for evidence for identity theft. After not receiving a response from the company, I contacted XXXX yesterday and they understood my concern and saw that I have been trying to get this issue resolved and directed me to contact you all by submitting an online complaint. From my understanding I have done much as possible to get this information and I hope I can get you all to help. Thank you. 

XXXX XXXX
XXXX XXXX XXXX, an XXXX XXXX XXXX, is attempting to solicit me for funds via PayPal after consuming a stay at my residence from XX/XX/XXXX through XX/XX/XXXX. As such, I provided the proscribed Homestay service to XXXX XXXX in addition to driving from XXXX XXXX to my residence upon occasion. Given this fact, there is no reason to refund any or all funds to XXXX XXXX as he used them in Good Faith and did not complain or any issues upon his vacating the premise. 

XXXX XXXX XXXXXXXX
Sychrony bank has misleading and fraudulent information about their no interest promotion. I was told that their would be no interest added to my balance, yet they keep refinancing late fees into my loan by using their own made up policy. My minimum payment contract was agreed at XXXX dollars a month and now it is XXXX dollars a month, without any notification of this change, through any document or new contract.. I have attached the disclosure statement and their is no information about financing late fees into my loan.also in the billing statement their is no information of financing late fees into my loan.
Ally Financial has been charging a fee for late payment when I have been paying the amount due as shown on the online summary. So instead of allowing me to pay for the amount due and also any additional fees on the account they only allow the amounts paid to apply to the principle and do not tell you or advise you that any overpayment is only applied to principle and will not be applied to fees. They then XXXX fees based on the original infraction without telling you.
I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of    2017  and my dispute case disappeared. I disputed again in  XXXX     2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  investigated and removed this right away.
McCarthy Burgess and Wolff collections is calling me repeatedly about a debt related to a XXXX XXXX ( spelling unknown ). I am NOT XXXX, I am XXXX, and I do not owe anyone any money. I have asked them to remove my phone number and stop calling. 

They have apparently done neither.
THOSE SEVERAL DEBIT ARE NOT MINE, OR I HAVE NOT AUTHORIZATION, OR NEVER USED THIS COMPANY, TO RENT O BUY MOVIE ... .I INFORM TODAY A TDBANK SUPERVISOR, XXXX TO XXXX ( fraude of {$100.00} ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX PURCHASE AUTHORIZATION XXXXXXXXXXXX {$1.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$1.00} XX/XX/2016 XXXX {$3.00} XX/XX/2016 XXXX XXXX {$3.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX. {$20.00} XX/XX/2016 XXXX {$59.00} I NEED THAT CFPB HELP ME TO ( FORCE ) TO TDBANK RETURNED THIS AMOUNT OF $ XXXX.CONSIDERED ( FRAUDE ). TODAY I AM MAKING THE REPORT TO TDBANK ... .REPRESENTANT TOLD ME THAT WAIT UNTIL TOMORROW XX/XX/2016 IF IT OCCUR ... ..I NEED MY MONEY BACK., I APPRECIATED YOU COLLABORATION Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX SIMPLE CHECKING - XXXX
I filed bankruptcy in 2014 and XXXX I ordered from are still on my credit report.
XXXX XXXX XXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on XXXX credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.
I have four accounts on each credit bureaus report that were credit cards That were charged off and sold to collection agencies. The credit card still shows a balance. The balance should be XXXX   because they no longer have the debt. The collection agency does. I tried to rectify this with XXXX, Equifax, and XXXX. 
XXXX {$860.00} XXXX {$600.00} XXXX XXXX $ varies report to report {$430.00} The refuse to correct and state this is in compliance with FCRA. This is very upsetting. The collection agencies are not as bad as the credit reporting bureaus.
On XX/XX/2018 I went to use my lowes credit card that was issued through XXXX XXXX and it declined. My credit limit was increased to XXXX roughly 3 months ago. Called lowes and were told that my limit had been dropped to XXXX. How so, I pay on time every month and have never missed a payment. Ive been a loyal customer. Never even received a letter about the decrease. If my balances are too high well that was the case when I got the increase. Racially profiled me is what they have done.
On XX/XX/XXXX in the circuit court of the XXXX XXXX XXXX in and for XXXX XXXX, Florida Civil Division Div. XXXX Case No : XXXX I XXXX XXXX the defendant received a Notice of Voluntary Dismissal and Release of Lis Pendents from XXXX Mortgage Services. During the trial, a representative of Caliber Home Loans testified and the Court entered a judgement without prejudice against them. Since that time, Caliber Home Loans XXXX XXXX, Ok XXXX has continued to report negative reports XXXX. In addition they continue to harass me and lie on me. As recently as XX/XX/XXXX XXXX, Foreclosure Specialist contacted my Attorney XXXX XXXX XXXX. inquiring whether or not he still represents me and said " that I expressed to them that I would voluntarily surrender the house via signed documentation. '' Why would I voluntarily surrender my home. That is a lie from the pit of hell and I wish your organization would look into their unscrupulous business practices.
I get monthly credit reports and this month i have a company turn me in collections and i have never heard of the debt, I called the original debt ( XXXX ) holder listed on the report and they kept me on the phone for hours then hung up and i called back they stated it was sold to another company so i ask for the information they sold and said they could not give me that but did give me a company name ( National Credit adjustments ) so i called them and told them and they said that it was sold to another company ( XXXX XXXX XXXX ) but refuse to give me any other details i ask why i was not sent a letter or invoice and he stated that if i paid my debts things like this would not happen, So then I called the XXXX XXXX 4 times and left a message but get no return callNational Credit Adjustments is the one that reported it to all three credit reporting agents, i want proof of this debt
Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq.,  remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Hello, I have a mortgage with Sierra Pacific mortgage company.   On  XXXX    XXXX   I have received my annual tax and interest statement for {$9700.00} and I filled my  XXXX  tax return based on the above statement, than last month I received a revised statement for {$10000.00}. I contacted the company who prepared my tax returns and they advised me to amend my return and the amendment cost me {$150.00}, I emaile d Sierra Pacific for th e cost but they rejected my request.   On  XXXX / XXXX /  XXXX   I sent them another email but so for they haven`t respondent.   I hope CFPB solve the matter for me.   Thank You
Due to major cutbacks at my husband 's job, we inquired about a modification from our loan company and our deadline was XX/XX/XXXX. I got all the necessary paperwork and faxed the packet XX/XX/XXXX. I completed a prior modification in XX/XX/XXXX and had no issues at all and we were granted a lower payment. This time around was totally different. The loan company told me to give them 7 days to review the packet ... so XX/XX/XXXX I started calling to see if they accepted the packet. I needed additional information so I faxed it over waited 3 days and called. They had excuse after excuse ... they told me my 1 and my 2 were too close together for my zipcode. So I sent it again. Then they said the tax forms was missing a signature. I sent that 4 different time. Turns out they were requesting wrong year tax return. My relationship manager was never available I kept getting people who had no idea what they were talking about. We went back and forth until XX/XX/XXXX when they finally accepted the packet. When I received the final copy, we were supposed to review it and sign it. Still after 5 months they somehow got our income wrong so we didn't sign it and I called our relationship manager he  told me to resend copy of paycheck stubs and he would fix it. So I did and called back 2 days later and my relationship manager was transferred to a different area due to a hurricane. No one at company knew anything about my account. So we got a regular statement with our trial payments and first one was due XX/XX/XXXX. So I paid it. XX/XX/XXXX the next one was due when I tried to make payment they said they wouldn't except my payment. Finally after 2 days of calling and speaking to at least 4 different employees one lady finally acted like she cared and gave me the obudsman number. I called them they couldn't believe my experience I had been having but the only thing she could offer was another loan modification. A couple days after our conversation we received the forclosure letter. We were then forced to file bankruptcy and now are drowning due to my lawyer and all the fees to go along with bankruptcy. Bottom line we have lives in our home for 10 years we've raised XXXX kids here and have paid over 30000 towards our loan. We are currently involved in a class action lawsuit against loam company. We need help
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.
CitiGold Checking Bait and Switch I signed up for a Citigold Checking account as part of a promotion for XXXX XXXX AAdvantage miles after terms and conditions of promo were met. 
Faxed in their form to open the account and fund it with my Citi AAdvantage Credit card. The funding never happened, so I funded it some other way. Confirmed via phone and Secure Message that I had met the terms and conditions of the promo and separately was eligible for the bonus. Well, after I did all that ( and paid the {$30.00} per month for a checking account ) they said I was never eligible for the bonus and would n't even address the original funding problem. I have gone back and forth with them multiple times to pull my calls from their call recordings for proof of the eligibility as well as offered to submit proof of the funding issue, but have gotten nowhere. Front line reps on the phone tell me to call XXXX, and " submit '' a ticket in which case I get a letter 3-5 days later. I can never talk directly to the group that processes it and ca n't submit proof.
US BANK CORP knowing sold prepaid gift cards that easily can be compromised and fund stolen by criminals, then use delay tactics to solve the issue for customer. I bought a {$100.00} visa gift card issued by US BANK, then fund of {$99.00} stolen in XX/XX/XXXX, i reported to US BANK and faxed them and mailed them also the signed dispute from timely, and patiently allow them to solve the case, so far, Not only US BANK never replied to me nor updated me at all and no result as of XX/XX/XXXX, i attached details in the upload.
My previous dispute of a XXXX XXXX XXXX account stated that my first default was in XXXX. The credit bureaus did their best obtaining information from the creditor, but not the creditor shows the first late XXXX XXXX. As we are now in the 7-year rule timeline I will accept the reading on my credit reports. As the law stipulates with the Fair Credit Reporting Act, the legal timeline as to the presence of the account has passed. The account must be deleted immediately, and my file information must be purged permanently.
Twin sisters name, social security number, addresses, collections, phone numbers all show on each of my credit reports. During theses times of collections I was not living in the area. I am currently serving in the XXXX and proved my state of residents and identity to the credit bureau before and nothing was resolved. I am unable to receive my own credit reports due the false entries of someone else 's information on my record. I am not liable of these collections because they are not in my name or social security number. The collections just appear on my credit reports.
I have tried repeatedly to have the account ( Not Reported # XXXX ) removed from my credit report. I have no idea what this collection is and the reporting agency has been completely deceptive in reporting it. There is no name on account, no reference to what it is and they have NOT contacted me or responded to my repeated request to verify the obligation or remove it from my credit report. I firmly believe that Equifax has intentionally not responded and continues to report it fraudulently.
I requested for the following information more than four weeks ago without a response from the Trustee with respect to the documents associated with the sale of my house. At this point, Im highly suspicious of their activities and as a US Citizen requesting from CFPB Economics Crime Unit for further investigation. 

XX/XX/2018 @ XXXX Auctioned sale of the property @ XXXX 3-day notice served XX/XX/2018 ( 6 days after the sale ) I requested to know ( via phone call and certified email ) the following transaction information on my property which was sold without my consent or conveyance : - Exact Date and time of sale - Final bid and sale amount performed by third party auctioneer ( Name of the Auctioneer to be provided ) - Full name of the bidder/buyer - Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development - ** Copy of the Sales receipt and transfer of funds by the buyer ( This is a mandatory item ) ** - Any other relevant information that needs to be disclosed ( Full disclosure requested ) XX/XX/2018 It has been more than four weeks and they have had plenty of time to provide this information, however when requested again on XX/XX/2018, there has been no response of any kind from the Trustee. Ive never given authorization to the so-called Trustee ( XXXX XXXX ) to convey the title. 

It is very likely that the so-called " investor '' in this case, XXXX XXXX XXXX ( XXXX XXXX ) is a co-conspirator to complete their fraudulent activities in order to close the transaction loop. 

I've been removed from my property, and as of today, I can not get the truth out of XXXX XXXX and XXXX XXXX XXXX. Most importantly the sales receipt and the transfer of {$950000.00} is of great concern that must be disclosed and reported to HUD through a settlement statement.
Att cfpb Inference to discover card XXXX I 'm writting to continue my dispute with Discover Card. about unlawful reporting that they are reporting about me. I 'm well aware that Of rights as the consumer. I will stand my ground tooth and Nail if I have to hire and lawyer to get this remove from My credit File the Law clearly states that The original creditor in this case would be ( discover card ) MUST I REPEAT MUST SEND EACH CREDIT REPORTING AGENCY COPY OF ANY CREDIT APPLICATIONS WITH THE CONSUMERS SIGN SIGNATURE ATTACJED TO IT. I 'm fully aware that discover back failed to do so. because I reach out to XXXX / XXXX / XXXX None of these reporting agencies were Able to provide me this Information ( CFPB PLEASE SEE ATTACHED FILE FROM XXXX With there Finding. The FCRA 609 ( A ) ( 1 ) ( A ) That the consumer has the right to ask the creditor / reporting agency for this enclosed information! Also FCRA SECTION 611 ( A ) ( 1 ) ( A ) / 611 ( 5 ) ( A ) Also states That YOU ARE REQUIRED TO PROMPTLY DELETE THIS INFORMATION. You have effect My ability to Obtain credit in my name! This is VERY shameful on your behave for failing to send the necessary paper workwork to the reporting agencies That the FCRA REquire your company to to follow. You should really be ashamed of yourself.. 
XXXX I give you XXXX Business to have this fraudulent information that you are reporting on me off of all XXXX file because I will Take Legal action! 

CC CCFB I HAVE ATTACHED A FILE TO THIS COMPLAINT FROM XXXX DATE XXXX XXXX ALSO WITH XXXX AND XXXX PLEASE SEE PREVIOUS CFBP case number XXXX also case number XXXX CFPB NONE OF THESE AGENCYS HAVE THE PROPER paper WORK TO BE REPORTING fraudulent and Negative information about me. 
Thank you XXXX XXXX
I was the victim of identity theft in XXXX 2017. I have called Target, XXXX XXXX, XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. <P/>Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?
What I believe is a strategy to enforce the use of XXXX ( owned by XXXX ) I have requested my credit report from Equifax and XXXX and the supporting documents I submit ( Copy of driver license with my full address and copy of SS card was deemed insufficient. XXXX submit the credit report.
I had an account with XXXX XXXX, but they failed to deliver on their contract. I notified the FTC and the FTC decided I was correct. XXXX has now been sending this bill to different debt collectors, and they keep selling the debt to different collectors. Also, to note I have not received any kind of verification letter in the mail.
requested back up for debt commonwealth stating that I owe. ( my original letter attached ) this is the 2nd complaint I have filed and no results from company they sent a 1 page letter ( attached ) there is NO Back up Here is the response they sent thru your website and now it was closed out. 
I WILLNOT CALL TO DISCUSS INFORMATION WITH COMPANY I WANT DETAILED BACK UP TO SHOW DETAILED INFORMATION ON THIS DEBT all you get is the run around responded Status Company responded on X/X/2017Response TypeClosed with explanation Company 's Response RE # XXXX {$180.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX, Please be advised there is no documentation on the above account that the attached letter was received. Commonwealth Financial Systems will send XXXX validation of debt. Collection activity will cease while the account undergoes investigation and in addition our agency will send a deletion request to the three major credit reporting agencies. XXXX can contact our office should she have any questions by calling our toll free number XXXX ext XXXX. This extension will put her directly with our collection manager, XXXX XXXX XXXX. She can send any correspondence that may prove that she is not responsible for this debt to our office by mail XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax { XXXX } XXXX, or email XXXXXXXXXXXX. Please do not hesitate to contact my office for further assistance. Thank You. Sincerely, XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Heat pump installation incomplete. Paid half up front and expected to pay remaining half on completion. Installer improperly installed equipment. Installation company point of contact denied my identified code deficiencies. Once City inspector concurred installers point of contact became threatening. I asked for product and procedures the installers employee would be applying to the " rework '', Installer 's point of contact erroneously stated code requirement and would not identify product or procedure information. Installers point of contact threatened to lien my property where the product was installed and damage my credit record in a seven day period if I did not operate by their directives ... This Thursday evening XXXX/XXXX/2017 I received a call from a collection agency and a visit from a process server. The installation company has been sent by certified mail a dispute notice ( they received XXXX/XXXX/2017 ), a request for validation of debt ( separate certified notice they received XXXX/XXXX/2017 ) and an administrative remedy ( eta XXXX/XXXX/2017 ). The installer does not have an installation contract that I am aware of, I sent the first half payment with the proposal but there was no conflict resolution process language and I was led to believe half up front and half on completion by the sales person and the installation scheduler.
There are tax liens showing that were not suppose to be filed and have been advised by IRS and state that the liens had been removed.