WillisBack/dataset-financial-user-claim huggingface dataset:
ATG Credit ( XXXX ) is trying to collect a debt they claim I owe from a company XXXX XXXX XXXX for {$79.00}. They say its for an apartment that I moved out of in XXXX 2012 called " XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I closed my accounts then with XXXX and XXXX. I never had an account with XXXX XXXX XXXX and I ca n't even contact them. XXXX shows my account is closed with {$0.00} balance. The XXXX management has assured me that they never send anyone to collections. XXXX XXXX XXXX is submitting this claim FRAUDULENTLY and no one is willing to help me. 

ATG Credit is incredibly rude and will not give me any information other than to say you owe {$79.00}. I am supposed to just them the money blindly without knowing if they will then keep coming back for more? 

I do n't want this to affect my credit, and need help from someone. 
Please help me! 
- XXXX XXXX
My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your COLLECTIONS COMPANY issued the report that was used to determine my credit evaluation.   Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached c opy. The reasons why these items should be deleted are indicated below : MEADE & ASSOIATES #   XXXX
Credit File : XX/XX/XXXX Confirmation Number # XXXX CFPB Complaint # XXXX XXXX XXXX XXXX XXXX is not showing on my credit report as stated by Equifax there was no reply back from Equifax since XX/XX/XXXX needing more time So what is XXXX XXXX XXXX XXXX saying on something not on my file.
I receive repeated calls, three times per day, including Sundays, at my office phone number. My office phone number was someone else 's before it was reassigned to me. If I pick up, a robot informs me that this is Southwest Credit Systems trying to collect a debt for someone named XXXX XXXX I am not XXXX XXXX, I have never heard of a XXXX XXXX. The robot informs me to press 1 if I am XXXX, or press 2 if I am not. I have pressed 2 twice. It says it will transfer me to a representative, but then hangs up. This has been going on for weeks.
In or around XX/XX/XXXX, my former JC Penney credit card account was turned over to XXXX XXXX XXXX, a Debt Buyer in XXXX, VA. 

XXXX XXXX began reporting this alleged XXXX XXXX to all national credit bureaus, in or around XX/XX/XXXX. 

XXXX XXXX blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As XXXX XXXX is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that Experian, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If XXXX reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by XXXX XXXX to " update '' this alleged Matter by XXXX year, thereby significantly increasing the negative effect on my credit scores. 

Further, as XXXX XXXX has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by XXXX XXXX was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of XXXX XXXX, and their credit reporting, as a whole. 

Last but not least, XXXX XXXX reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly seven hundred dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.
Company calls numerous times per day. Either hangs up or asked for a name info not recognize. XXXX Penn Credit
This is the second complaint about this case. XXXX is the number of the first one. 

All the documentation pertinent you already have it under the first complaint. However, I am including two attachments that clarify what they stated about a charge for {$57.00} at XXXX XXXX XXXX that is not in XXXX, TX but in XXXX XXXX, TX as XXXX XXXX states on her letter. 

By Citibank saying that the card was in my possession at all time does not solve the charges. Not sure how can they not see that these are FRAUDULENT charges. They should continue investigating. They should ask for surveillance cameras to the gas station, statements from the bank restaurant so they can actually be proving that it was me who made the charges. They simply decline my request, because they can NOT PROVE THOSE CHARGES ARE MINE and their easy way out is getting their payment from me. I did not make those charges.
I tried to obtain the annual credit report online using XXXX. I was given the reports by XXXX and XXXX, but was not given one by Experian. They recommended using phone number, calling the number given a PO Box to send request, which is not acceptable service.
I went in XXXX of 2015, to XXXX XXXX located at XXXX XXXX XXXX. XXXX, AL. XXXX due to some XXXX. XXXX XXXX XXXX suggested that I needed a procedure, so that they could determine what was going on. It was a non-invasive procedure. My mother and I met with the person who handles insurance at XXXX XXXX and she reassured us that XXXX XXXX XXXX XXXX would cover the charges for this procedure. She actually called the insurance company just to be one hundred percent certain. The only thing that we would have to pay would be the co-pay. The procedure was done at XXXX XXXX XXXX XXXX XXXX. by XXXX XXXX. 
However, soon after the procedure ; I received bill for approximately {$600.00}. I called XXXX XXXX XXXX XXXX and they said that the procedure was not covered under my insurance XXXX XXXX XXXX. It is now reporting with the debt collections agency Holloway Credit Solutions, XXXX. XXXX XXXX XXXX. # XXXX XXXX, AL. XXXX. 
I recently called XXXX XXXX XXXX XXXX and they stated that due to XXXX XXXX reporting me as ( XXXX ) which in medical terms mean that the patient has a lot of medical issues. I was XXXX XXXX XXXX at the time of the procedure, and had never had any other medical problems. He used the most expensive XXXX that 's only used for high risk patients based on the information given by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX also stated that they would have covered the charges if doctor XXXX would have not put me as a high risk patient. They also said that he either did it as a way to get more money, or the fact that I 'm XXXX XXXX which is ( racial bias ). 
They said that he he did n't have to put me fully under for this procedure due to me not having any previous medical conditions. That is the reason why I was left with a balance.
I had received a letter from Rausch, Sturm, Isreal, Enerson & Hornick, LLC. Attorneys at Law (? )  representing XXXX XXXX XXXX, XXXX regarding a XXXX XXXX XXXX . The letter states they are attorneys. Yet online no listing in the XXXX XXXX XXXX nor Wisconsin Bar ; the letter states that they work out of XXXX, WI. The only time a debt collector needs to hire attorneys is to protect the firm against the Unfair Debt Collection Act and other regulatory complaint. The firm is asking me to pay an additional {$120.00} to take the case. It is XXXX XXXX XXXX that hired them not I. Again, Debt Collection agencies only hire law firms if the Debt Collector has broken the law or are knowingly engaged in illegal or unethical practices. The law firm in question has several illegal and unethical outstanding complaints. I believe there is collusion on both companies and would like my debt handle by another firm not has no association with the law firm or this debt collector. The phone number for the law firm is XXXX XXXX XXXX 's phone number is XXXX I believe that after investigation of this matter that the fake law firm should be fined to the point that they must file bankruptcy. Also, XXXX XXXX should be monitored more closely as their workers do n't sound licensed or that it is current. XXXX XXXX XXXX is aware that Raush, ect. Is not a real law firm. Anyone that is an actual lawyer that collects debts works on high end side like yacht and jet loans recovery. Not my account. A simple debt collector just needs a high school diploma, pass a background check and pass regulatory testing.
Euifax credit report says XXXX hard credit inquiries by XXXX. I had taken a comcast connection on XXXX XXXX and explicitly asked not to do credit check. I informed them not to do credit check as i did n't have credit history.They took a deposit of XXXX dollars and agreed not to do the credit check. I want to dispute the credit check as the deposit was paid to comcast and they said they will not do credit check with the deposit.
I submitted a dispute with Transunion concerning XXXX accounts on my credit report that I am not responsible for. I submitted this dispute on XX/XX/2017 ( accounts are with XXXX XXXX and XXXX ). I received a letter from Transunion dated for XX/XX/2017 stating that the agencies verified the accounts and they are accurate. I find it extremely hard to believe that they could complete the investigation within two days, especially, when it the businesses have 30-45 days to verify. I have spoken to XXXX XXXX personally and they stated that they do not have the account in question and attempted to transfer me to a collection agency ( whom I was never able to get in contact with ). On the report it states that the account was purchased by another lender, however, that lender is not listed on my credit report. I would like these accounts to be removed off my credit report as they are hindering me from moving ahead in life and purchasing my first house. Thank you for all you assistance.
We have used XXXX XXXX XXXX XXXX in the past until we had a dispute about services. We paid for the service anyway and discontinued their services. We have a new Lawn service that serviced us starting XX/XX/17 and no longer deal with XXXX XXXX. Now I am receiving letters from a collection agency saying I owe XXXX XXXX {$210.00}. I tried to contact the company and they asked me to provide them with the account number from the letter so they could pull up the account before they could discus it with me. The people I contacted was Transworld System Inc Collection Agency at XXXX. They informed me that the account number I gave was not long enough and asked if there were another code number listed that I could give which could not be located by myself anywhere on the letter. The lady at Transworld System Inc could not further assist me because we were not able to pull anything up with my name or the numbers provided. I have since received 2 more letters from this company.
This company Account Reoslution Corp in XX/XX/XXXX concluded via a dispute directly through XXXX and XXXX that this debt was invalid and removed it from both reports as of XX/XX/XXXX. On XX/XX/XXXX this account was reinserted to my XXXX report, reporting a balance of {$260.00} which is not my debt. I also was not notified of this debt before it was reinserted.
On XXXX XXXX of 2015 I requested my Experian credit file frozen. 
I was told I would get a PIN # in the mail, but it never came. 
I am looking to refinance a mortgage now, but without the PIN I can not go online to temporarily unfreeze my records. 
I have tried repeatedly to call Experian, but I can not speak to a real person for help. Please contact me by phone/text, email or mail.
There is a company named Penn Credit Corporation keeps calling me and I have never even heard of these people. 
I do n't owe anybody. Can you please have them stop calling. They have been calling for months. Their phone number is XXXX. Thank you for your help. I marked the above form as I did because there was no place to put " other '' situation
On   XXXX    XXXX ,2017. I made a Atm cash deposit at the   XXXX   XXXX    Atm outside the branch in the   XXXX   XXXX  . I made a cash deposit of {$360.00}. After I made the cash deposit a message across the machine. Telling me that it was experience difficult and can I please enter the amount I put in.I did! The machine told me to call this number  XXXX . After I try to go back and take {$180.00} out the machine after I made the deposit. Then the machine print the number again.Then I try to uses the Atm machine inside the branch then it was telling me the same thing. I called the number immediately. I have been going to the bank and calling everyday. They keep giving me the run around.I spoke to the fraud the department on   XXXX     XXXX  ,2017 they told that the Atm machine was jammed and they would give back me {$67.00} which they did on   XXXX     XXXX ,2017. At first told they only seen the {$300.00} but not {$67.00}. On three time different people had told me to come the branch to pick the money up. They have had my {$300.00} on hold ever since. I was told on   XXXX    XXXX ,2017 that I had to do another claims. Which I did. I also explain to them that I have receipt for the $  XXXX .I call back on  XXXX   XXXX ,2017 They declined my claims an said they have investigate. They also closed my account for this reason but it was n't my fault. They told it was fraud activities. I told understand why if I have a receipt. I also call my attorney.
We have had numerous issues with Nationstar, from refusing to correct my name to my married name despite being sent essential documentation on 3 occasions to overall terrible customer service where they refuse to let you speak with a supervisor. This most recent issue came when we thought we were finally free of them. We sold our home and the loan was paid in full leaving an overage on the escrow which is to be paid out to us. We called to verify the amount owed to us and when we should receive it. We were told 2 weeks which we happily accepted. After 2 weeks had passed we called again only to be told that there was n't any progress and it could take up to 18 business days. Annoyed, I asked to be transferred to the escrow department where, in the very same call, another associate tells me that it will take up to THIRTY BUSINESS DAYS. Every time we talk to these people we are wasting hours of our life to get the run around and conflicting information. We just want our escrow paid out to us as soon as humanly possible so we can put this terrible company behind us.
I am XXXX and my wife XXXX XXXX, have a chase checking and saving accounts. Somebody scam and wire all money from XXXX accounts, in XXXX Transactions in 2 days. Ones that person who did that, was moved from saving to checking account {$3900.00}, then wired too. Everything was happen at XXXX XXXX and XXXX 2015. All details for these wire transactions included with printed statements. Chase told me, I have to make a police report for further actions ; otherwise they ca n't help me with this money refund, because 35 day already passes. My understanding is, that this scamming was done by some chase employee, because this suspect knew my balance and, or access to accounts without hawk account password nor email account password, witch is required to access both email and chase bank accounts at the same time. In 2 month, I did n't get any alerts for this scamming by phone, email nor texting, witch is supposedly to notify me and indicated for this horrible scamming ...
There was some wrong billing statement generated from XXXX for the phone which I returned within 7 days. I was told that the XXXX account balance was XXXX at XXXX but XXXX generated statement for next XXXX months which I solved with XXXX in XXXX. I called with the debit collection agency in XXXX for zero balance which they verified over phone.But then the collection agency has sent false statement to the credit reporting agency in XXXX with some invalid amount
Around XX/XX/XXXX I tried to remove my security freeze online. It told me to fill out a form to mail to Experian which I did on XX/XX/XXXX. I also enclosed supporting documentation. I have not yet heard back from Experian. Tonight I tried to upload the documentation on Experian 's website but I received this error : Important Note : We were unable to upload your document ( s ) successfully. This site will accept up to five documents in PDF or TIFF format totaling 15 megabytes. Please review your request and try again. You may also submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. All the documentation I uploaded was the correct format and totaled less than 15mb so I 'm not sure why it would n't accept it.
Transunion is currently reporting XXXX closed XXXX loans with a current status XXXX 120 days past due date XXXX when the accounts were PAID/CLOSED in XXXX 2014. 

also these accounts were never late they were always in the deferred status with no payment due but they are reporting them as 120 days past due XXXX # XXXX {$17000.00} XXXX # XXXX {$19000.00}
When checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/2018, XX/XX/2018 XXXX and XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 3 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. 

I disputed this debt with Experian on XX/XX/2018, XX/XX/2018 XXXX and Experian has failed to validate this Debt and continues to knowingly violated FCRA. 

Experian gives me know options on their website to re dispute this debt as not mine. 

I recently received a response to a dispute on approximately XX/XX/2018, XX/XX/2018 XXXX that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX. 


I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
I recently received a letter from portfolio recovery stating it is a response to a related complaint? really? sure its a response, BUT IT IS NOT VALID!!! PORTFOLIO HAS NOT ADDRESSED ONE ISSUE WITH CLARITY!! BECAUSE THEY CANT! THEY ARE CRIMINAL SCAMMERS AND I KNOW THIER GAME AND IM GOING TO EXPOSE IT RIGHT NOW!!! Portfolio is using tactics of deception, dishonesty, extortion, and defamation to collect an amount that was never owed to them they bought this information for pennies on the dollar. this is n't even a debt it is just some numbers that has already been discharged by the bank to my treasury direct account. it 's only a statement and it 's not a bill!!! there is a gross gross difference between the two words, if portfolio can send me a TRUE BILL AND CONTRACT which they ca n't because they know they ca n't!!! they must get out of my life because they are professional scammers and they rip people off and deceive people to steal their money which was never OWED!!!! on one letter is says " this is not an attempt to collect ''? really? then why are you using methode OF EXTORTION ON MY CREDIT REPORT?? YOU PEOPLE ARE SUCH XXXX LIARS!!! LIARS LIARS LIARS AND LIARS!!!!!!!!!!!!!!! PROVE TO ME A CONTRACT SHOWING MY OBLIGATION [ S ], AND HOW WILL YOU RESPOND AGAIN BY SENDING ME A LETTER SHOWING ME SOME NUMBERS THAT WAS ALREADY PAID?? ALL BANKS DISCHARGE AND CHARGE OFF DEBTS THROUGH EVERYONES TRUST ACCOUNT,!!!! THE UNITED STATES TREASURY PAYS THEM!! AND XXXX LIKE PORTFOLIO RECOVERY BUYS THE INFORMATION FOR PENNIES ON THE DOLLAR AND TRIES TO COLLECT THE FULL AMOUNT BY METHODS OF DEFAMATION AND SMEARING YOUR CREDIT REPORT!!! THIS IS THE XXXX XXXX WE ARE DEALING WITH HERE, MY NEXT COMPLAINT WILL BE A LEGAL NOTICE INTENTION TO SUE!!!
I have been reporting of an identity mix-up on my credit reports ( XXXX, XXXX, Experian ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! Thus this should NOT show up on my credit report and must be deleted with all three credit agencies.
Please explain, in detail as the reason account number, XXXX ( current Caliber account number ) was listed on " Notice Of Sale Of Ownership Of Mortgage Loan '', " date of ownership being transferred, XXXX XXXX, 2015 '', with servicer listed as XXXX XXXX XXXX. Why was I instructed to pay, account number XXXX, to XXXX XXXX XXXX, through XXXX 2015, when attached, .pdf documentation, clearly states, account number, XXXX? 

What date, did your company acquire my account? What date did your company start servicing my account? Does your company act as the servicer, and Master servicer? Please provide to me the name ( s ), mailing address, and actual on site address, of servicer, and Master servicer, please. 

Also, please provide details, as to whom ordered BPO, dated XXXX/XXXX/2015. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.