WillisBack/dataset-financial-user-claim huggingface dataset:
FIRSTSOURCE ADVANTAGE LLC seeks to advance collection for XXXX XXXX XXXX for an alleged XXXX XXXX XXXX debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.
shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XXXX for a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,
Equifax continues to delete accounts from XXXX XXXX XXXX just to re-insert them into my credit file. They do this at least once a month. I have disputed the information over and over about this issue but they refuse to gix the issue.
I have been released as a co-signer and have no responsibility on the 2 XXXX loans listed on my Equifax credit report. I submitted proof and Equifax investigated and did nothing. I would like these removed from my account
I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX  XX/XX/2016
Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt.
Hello Friend, About a week ago XXXX  XXXX  sent me an email indicating that my Credit Score from the 3 major Credit Bureaus ( Trans-Union, XXXX and XXXX  ) was very good at XXXX. 

A couple of days ago I checked my XXXX XXXX account and I was surprised, confused andvery, very unhappy! 

I discovered that my credit score had been lowered by 42 points. Something nefarious is going on when a credit score is dramatically reduced virtually overnight!

Today I spoke withTrans-Union representative without a profound answeras to why my credit score was reduced by 42 points inside of a week!

Over the past 2 - 3 years I've worked very hard to improve my score, and I was making steady positive progress in consistently paying my debts and making on-time payments every month!

Can you provide me with some clarity as to why my credit score has been suddenly and dramatically reduced by 42 points? 

I can be reached by email at XXXX, or by phone at XXXX. 

I thank you in advance for your kind consideration and quick response. 

To Your Brilliant Health, XXXX XXXX
I was a XXXX XXXX student from XX/XX/XXXX to XX/XX/XXXX and received all of my loans from the XXXX XXXX XXXX XXXX XXXX ( XXXX ). After graduation, I began to make payments to XXXX believing they were qualifying towards the public service loan forgiveness program ( PSLF ). I made such payments for three or four years before learning that the payments could not and would not be counted towards PSLF.
When I was in college ( XXXX XXXX ) in 2007 my school told me to pulled private loans for me because they said I did not have enough money to finish. I should have had more then enough from the government. They took my loans to all these different banks and by the time they finished I owe money in transfer fees and the interest rate that they changed accrued on the loans. I NEED THE PRINCIPLE LOWERED. EVERY STUDENT IN DEBT NEEDS A LOWERED PRINCIPLE.
Transunion has failed to provide me with the documents they have on file to verify the account I disputed. 
Section 611 ( 5 ) ( A ) of the Fair credit reporting act states that any information that can not be verified should be deleted. 
Being that the 30 day mark has past I request this account be deleted. 
Please take care of the matter as soon as possible.
It took an abnormally and absurdly long time to get my Equifax security freeze lifted. In the end, instead of a temporary lift, I opted for a permanent lift because it was too hard to unfreeze my credit. I was unable to do it online, or by phone, at first. I tried by mail, but I was very uncomfortable sending my SSN through the mail. Eventually, I called again and got the freeze permanently lifted, but this experience was very draining and time-consuming. I hope no other people will have to jump through this many hoops to get their credit unfrozen, especially since I can provide all my previous addresses ( as a DMV resident and student, I move a lot ), my SSN, and all other personal info. The security questions asked on the phone were also too difficult, as a lot of my initial student loans were taken out by my parents and therefore I have little knowledge about them.
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX  and Transunion are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed Transunion, XXXX and XXXX reporting for Account Number : XXXXXXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Today, right after XXXX I answered a phone call from an unknown name. It was Commenity Bank in reference to my XXXX Credit Card. I explained as I had a couple of days ago that I am out of work. They had previously offered to take my money out of my account and they read off part of my checking account number. I explained this morning I am out of work and do not have the money. The rep asked why I was past due after I had explained so I said good bye and terminated the call. The phone rang a couple of hours later from an unknown caller I.D . and I knew it was them again and did not answer it. They called again around XXXX XXXX and I answered it. I explained that I had advised them this morning I had no money and was out of work and was going to file a complaint. The complaint is for harassment. It is XXXX enough being out of work and being unable to pay, with out after having explained it, they continue to call and not even just one time a day.
XXXX XXXX XXXX reported my account as charged off even if I paid my credit card every month. And I paid it off.
Ocwen received my XX/XX/2017 payment as follows : check # XXXX, in the amount of {$3100.00}. That would break down as follows, regular monthly payment of {$1100.00}. Plus a extra {$2000.00} to be applied to just the principal. Out of that regular monthly payment of {$1100.00} should come the escrow, the interest, and the PRINCIPAL payment. As you can see from the attachments. Ocwen once again has failed to apply my monthly funds correctly. This month Ocwen failed to apply my regular principal payment to the loan. ( that amount would be {$460.00} ) Ocwen only applied the extra principal payment I sent in to my loan. As you can clearly see from the letter Ocwen sent to me and to the CFPB dated XX/XX/2017. They corrected their last mistake from last month and brought my account up to date with the correct unpaid principal balance for XX/XX/2017 of {$130000.00}. ( that page is in with the attachments. ) With that being said when you take the extra principal payment of {$2000.00} plus the regular principal payment of {$460.00} and add those together you get {$2400.00}. You then subtract the {$2400.00} from the unpaid principal balance of the loan, and you get {$130000.00} for the unpaid principal balance of my loan going into XX/XX/2017. As you can clearly see on the payments and amounts due page ( that page is in the attachments ) Ocwen states that the unpaid principal balance is {$130000.00}. That is clearly wrong. On the payment confirmation page ( that page is in the attachments ) Ocwen states that my loan is now due for XX/XX/2017. THAT IS CLEARLY WRONG. My account is next due for XX/XX/2017. On the Payment and history page ( that page is in the attachments ) Ocwen does n't show any amount of principal being applied to my loan for the month of XX/XX/2017.
This complaint is not a duplicate. There is ftc identity theft report attached to the complaint regarding Helvey & Associates. XXXX XXXX XXXX is willfully reporting a fraudulent items my XXXX, XXXX, and XXXX   report. The account is for XXXX XXXX. The marking of duplicate status by the creditor demonstrates failure to undergo proper investigation and avoidance of the issue.
On XX/XX/XXXX I received a call on my cell phone from Oxford law llc out of XXXX Pennsylvania. After a lot of wasted time and being talked to very rudely it was discovered they had the wrong phone number on account, and was assured I would not receive another call. I informed them due to my cell plan they cost me money every time they call. I was contacted on XX/XX/XXXX again. It might not sound like a big deal but it is a waste of my time and money due to their incompetence. I find their business practice and tactics very questionable. I have not been late on a bill since the late XX/XX/XXXX and find it very insulting to be spoken to they way they do. As I was looking them up online I was praying they were close enough to drive to.
For over 9 months now i have been calling between the credit bureaus and GM financial to have my GM financial account reporting to the credit bureaus. GM financial has repeatedly told me it would be taken care of. Repeatedly i have had to inquire as to why it is not reporting still. Repeatedly i am told that one single.person in GM Financial deals with this. This is a person i can never be connected to. Supervisors at GM have been supposedly emailed repeatedly. I have left numerous voice messages. Three days in a row for eg i called the number i was given, 25 x, no answer except a vm. I have tried extensively to correct my credit and this issue has prevented me from getting a few health assisting loans i have greatly needed. I have flatly been informed if my auto loan was reporting i would have excellent credit
I switched my son over from a XXXX to XXXX physician since he 's now an adult. I made the appointment and went with him to his new doctor and paid the {$10.00} copay in full XX/XX/2015 on date of service ( have receipt ). I got a bill from XXXX XXXX XXXX XXXX stating I owe {$10.00} still but that got clarified over the phone with billing and they told me not to worry about it - they see that I did pay on day of service. 
ARStrat called and sent us a bill and my son was sent to collections over {$10.00}. ARStrat said they could n't speak to me despite telling them I paid for it and have proof and told them to call XXXX XXXX. They wanted my son to call them even though he did n't pay the copay. They just set up walls. They would not let me speak to their supervisor. Depending on which day you call and who you talk to on ARStrat 's phone some will say they do NOT have a supervisor nor legal department to talk to. Every time I call the doctor 's office and billing department - they say I 'm good. They even communicated with ARStrat multiple times but ARStrat denies any such communication. So I paid ARStrat to quit harassing us till we get this resolved. ARstrat says they can not talk to me unless they get permission from my son. He gave them permission and told him to call his mother to clarify this with her. ARStrat told my son they " will not call your mother because you do n't have an account with us '' - that 's because they were paid and do n't want to give my money back - nor do they want to resolve issues. I told them several times to call XXXX XXXX XXXX and they will tell ARStrat that there was a clerical error posted to my account instead of my son 's. But ARStrat wo n't listen. I had to call them back and keep pushing to speak to their supervisor who was just as rude and put up lots of walls also - not very helpful at all. No body at ARstrat would look up the confirmation # paid on their billing statement nor reference number. Not only am I trying to get my money back from ARStat - I want a formal APOLOGY for putting innocent people through XXXX. People who actually pay their copay like they should and still try to collect and harass and bully people that did no wrong in the first place. ARStrat need improve their communication methods, customer service and listen more to people. My name is XXXX. Personal info is my son 's name XXXX with last XXXX social to help you find the account listed under personal info section.
I signed up for a Citibank Gold Checking account under promotional offer and now Citibank is now claiming no such offer was on my account despite messages and phone conversations with their staff saying I qualified for the promotion and should receive my miles within 90 days. I have attached a message I saved from them ( which now has been mysteriously deleted from my account ) that states the promotion has been applied and all I needed to do was make another bill pay which I did on XXXX/XXXX/16. I should then have gotten my miles by XXXX XXXX 2016 but have not. I have also been getting charged a monthly service fee for keeping the account active in the meantime of {$30.00} a month.
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation.
Hi, Second complaint the same day against the same company : Coinbase Inc. 

Coinbase just closed the currency trade for Ethereum and Litecoin. It is UNACCEPTABLE asthe market is NOT closed and crypto-currencies have very large and fast variations. The buys and sells of those two crypto-currencies are now XXXX for an unknown reason, my money is LOCKED and ca n't be sold when i decide it that can result easily to a LOSS OF MONEY. To disable functions can be understood, but to disable to possibility to SELL is a major fault that can result to very bad consequences of money loss. 

Coinbase Inc seems to be managed by kids or irresponsible persons those days, jeopardizing the funds of its customers. This is unacceptable for an authorized crypto-currency company in the US. 

I hope and trust the CFPB will know how to resolve this. This is an unacceptable manipulation of the market. Tiding money is a fraud. 

Thank you.
As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by CMRE XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.
After two attempts to resolve the issue regarding California Check Cashing Stores of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and the unauthorized filing of my XX/XX/XXXX Income Tax Return. No only did CA Check Cashing Stores file my XX/XX/XXXX Income Taxes without authorization/permission, they continue to lie to the Consumer Financial Protection Bureau.

CA Check Cashing state that I authorized and signed a form giving permission to file my XX/XX/XXXX income taxes. They have submitted a fraudulent form to the Consumer Financial Protection Bureau. The Form submitted has a signature, but IT IS NOT MY SIGNATURE. I NEVER AGREED TO HAVE MY TAXES FILED AND CERTAINLY DID NOT SIGN ANY FORMS.

What can Consumer Financial Protection Bureau do for Consumers?????? This is the third and last complaint. I feel that I have exhausted all other avenues for resolution. The final step is hiring professional counsel. So if Consumer Financial Protection Bureau has any authority regarding dealing with Fraud and this CA Check Cashing Company, I request that action is taken immediately. We are reaching the end of the tax year and no amendment has been made thus far. Thanking you for your time regarding this matter.
Although I finished attending XXXX I am still paying for student loans for a degree which is not desirable or worthy of mentioning on a resume. I have paid off XXXX of the loans and feel as if the second loan may possibly be seen as already paid due to how much has already been repaid. I am paying interest for a degree that was deemed fraudulent by the government. I realize that by signing to repay the loan in good faith on my part was a responsible action, now I ask that my good faith by paying for a worthless degree be rewarded by you to end paying for said loan. 

Thank you, XXXX XXXX
I applied for payment assistance with Wells Fargo and was accepted until XXXX XXXX. The agreement was to pay $ 25 monthly until I was able to pay. In XXXX XXXX I found employment in XXXX, WA. I contacted my payment assistant representative and informed her of such, and that I would be putting my home in XXXX XXXX MO on the market. There was a contract on the house and I accepted it. On XXXX/XXXX/XXXX I received a disclosure for the closing on the home, Wells Fargo added an additional XXXX to my loan amount and when I called the representative stated that it was for foreclosure proceedings. I completely complied with the payment agreement, I was not aware that my home was in foreclosure and set to sell on XXXX/XXXX/XXXX. When I informed the representative that I had sold the house she told me to not send any more payments and the proceeds of the sale would be applied to the home. I am furious and I feel that Wells Fargo has been fraudulent.
I am going back to my case initially applied with CFPB on XXXX/XXXX/2016. My complaint was that Seterus Inc. has been messing with my account for two years now, and they do not own up nor feel they are responsible for these mistakes where I can loose my home because of their negligence. Seterus responded to this complaint they made no mistake in paying for my County Taxes from my escrow, when in reality they did. Last year was my home Insurance and this year was my County taxes. They also confirmed in their response to you that I will not be responsible for the penalty fees incurred for paying late ( 2 months later after I called to find out why they have not made said payment. ) and as you can see by the attached letter I received yesterday XXXX XXXX, my escrow has increased and I am responsible. 

Neither my taxes nor my home insurance has increased in 2016, on the contrary my taxes were decreased in 2016, how does Seterus determine to increase my escrow, and that my escrow has a deficient.?
Charged a late fee on my mortgage payment erroneously. check was cashed on XXXX, late fees payable after XXXX and yet bank charged me a late fee.
Walmart provides promotional programs with interest free as long as the amount is paid off in 6/12 months. I have 4 different promotional balances, two of which come due in 8 days. Balance on the older promotions are {$6.00} and {$10.00} on the other. My last payment did not pay these off totally so I added another {$50.00} payment. They would not allocate any of this {$50.00} to either older promotional purchases but only to the newest promotional purchase. I will have to pay all the promotional purchases off to pay off the oldest promotional purchases in order to keep the interest on those from being assessed to my account.

This is predatory servicing and lending. This is the only bank card that offers interest free promotions that will not allow you to allocate to each promotional balance specifically.
A fraudster went into two different branches, one in XXXX IL and one in XXXX  and withdrew out {$2500.00} from my account and then {$3500.00} from my account at a physical location on XX/XX/XXXX.  I realized the {$6000.00} was taken from my account and filed a claim with Chase on Saturday the XX/XX/XXXX. I understand the 30 days it may take to rectify but provisional credit should be provided and wont be. When speaking to the personal banker in a branch location in XXXX on XX/XX/XXXX, I spoke to XXXX XXXX, he said Provisional credit would be provided within 1-3 days. I called today XX/XX/XXXX and was told no provisional credit will or can be given, even though my claim has been approved but its still under review. How can it be approved without a review? This has caused me a significant financial harm as I have a mortgage, and other bills to pay for along with taking care of my family. Chase does n't care about this situation this put me in as it basically cleaned my account out. This was solely an issue with Chase as they allowed two fraudulent transactions occur at their branch. My wife had her wallet stolen with her ID in it ( no account numbers were in there ) back on XX/XX/XXXX. We called Chase and informed them of the theft, yet no notes were placed of the theft on their teller profile. The fraudsters could n't have had the account number and would have needed to be provided by the teller when the fraudster went into the branch/drive thru. I called today ( XX/XX/XXXX ) and was told by an escalated claim rep- XXXX XXXX  around XXXX XXXX CST ) that provisional credit can not be given in this circumstance and I would have to wait up to the 30 days even though the level of financial harm this has put on me.
Experian " completed '' a dispute in less then XXXX hours after submission. I know that they did not truthfully investigate my dispute. Experian is protecting their " customer '' while breaking the law and allowing the collection company to do the same. FDCPA 809 ( a ). Section 809 ( a )