WillisBack/dataset-financial-user-claim huggingface dataset:
I submited a Verification of Debt letter to all parties, XXXX and Equinox ( The Collection Agency ) that I do not owe XXXX or Equinox an alleged debt of {$9300.00} being reported ascac Charge Off Collection of a house that I legally and properly evacuated. In addition, I gave the XXXX XXXX XXXX a XXXX evacuation notice. 
The property management and I had worked out a payment schedule for the last month of rent that I owed, to be paid in {$100.00} installments until the debt was paid off. 
On the second month of me sending my payment, the XXXX returned by payment, unopened and send me strait to collections. 
I still have the original returned envelope and the money order ( See attached ) The Collection agency increased my debt from {$1400.00} to {$9300.00} and refuses to listen to me and take the collection of my credit report. 

Please help me. These companies have ruined my life! 

Thanks, XXXX
On Friday XX/XX/XXXX I received a letter from XXXX  that they were turning the servicing of my account to XXXX XXXX XXXX d/b/a Mr. Cooper effective XX/XX/XXXX. The letter further states that XXXX   must notify me 15 days in advance of this transfer. The letter is dated XX/XX/XXXX which is 13 business days prior to the XX/XX/XXXX transfer date. If they created the notification on XX/XX/XXXX and then mailed it its not possible that I would have even received it within 15 days of my transfer date.
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX  Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
I have disputed this item multiple times but have not been successful with getting the file update. HSBC is reporting as a charge off but sent me a letter advising that the account was sold to another company. If this is the case my file should have been updated to report transferred. For five years HSBC has reported incorrect information. I have disputed this file numerous times with XXXX but have not been successful with getting this account to report correctly. Per the FCRA if an account is sold or transferred you can not report the account as a charge off. This reporting has affected my credit in a major way and has caused me to be denied time after time for new credit. HSBC and XXXX should be repsonsible for all damages caused due to there failure to report accurate information.
Discover send me a lot of letters offering me the Discover It credit card the last offer I was offered a 14 month 0 apr on opening the account perfect they gave me that but it says on the offer after that APR will be 13.24 % -16.24 % based on creditworthiness but ended up having a 21.74 % APR after the 14 months. I called 2 times explaining that no luck wrote to them they told me that is the lowest APR they can gime me. So why did they did send me multiple offers for a lower APR and then when I opened the account they gave me a one not near what I was offered. That it 's just false advertising they lie to the clients then when they have you on their hands everything changes.
This letter is a formal complaint disputing the inaccurate reporting to XXXX, Experian, and XXXX  by XXXX XXXX, XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, Experian, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, Experian, and XXXX  and provide me written proof that this has been completed.
I believe I was scammed by XXXX in their practices and would like to see if I an eligible for compensation for the lawsuit filled against them.
About two years ago I applied for dept relief program with company named XXXX. They resolved most of my credit card accounts. Recently I found my self at dead end as I received multiple advertisement letters in my mail from different attorney offices offering me legal help and stating that I 'm being sued by Citi Bank. I contacted Citi Bank and they told me that Citi Bank does n't own this bank account anymore and I need to contact the attorney that is handling this account. I was given attorneys phone number. I contacted the attorney and they did n't give me any information. They said that Dept relief program is handling this case. I called XXXX then, and they said there is nothing they can do about it, they have not received any correspondence from the attorney. In order for XXXX to take any action, they need to hear from the attorney first. So here I am in a closed circle.Bank does n't give me any information, attorney does n't give any information and XXXX ca n't do anything about it. I do n't know who is saying the truth and how do I need to handle this. I did not receive one single letter from the bank offering any options of repayment and here I am being sued.
I was charged late fees on both of my Capital One accounts fraudently. I have a balance above {$800.00} on both accounts and the monthly minimal amount due was under {$50.00}, and the payment due dates on both accounts are the XXXX of each month. I decided to make an EARLY payment on both accounts on XXXX XXXX, 2016, although my payments were n't due until XXXX,2016. When I contacted Capital One and spoke with a manager ( XXXX ), advised me I was charged a late fee because I paid early on both accounts so the XXXX,2016 payments applied to my XXXX bill. She also explained to me the reason my XXXX XXXX payments were applied to the XXXX billing was also because my XXXX billing had not been released until XXXX XXXX, 2016, which made no sense. If I made an XXXX payments it should be credited for XXXX, not XXXX. There was absolutely nothing on their website that indicated a payment rollback, which would grant them permission to apply my payments backwards. This is a fraudulent business practice to allow Capital One the ability to collect fees from me as a customer/consumer, they do n't deserve. I pay on time every month and I over pay the minimal amount due. Why would they penalize a customer which could negatively impact my credit?!
On XXXX XXXX 2016, I made a affidavit of forged endorsement report with TCF Bank. My business account was compromised. There were seven checks that were endorsed ( fraudulently ) and signed by someone other than myself. The total dollar amount of checks that were honored and cashed by TCF bank was {$7900.00}.
After making a notarized fraud and police report. My bank indicated in writing that they would resolve this matter within 28 days of receiving all necessary documents to conduct their investigation. All necessary documents were received. TCF bank has acknowledged that they realize the checks were fraudulent. However, TCF bank has not refunded the money to my account as they previously stated.
This company has garnished wages without providing verification of debt and without notifying the courts they are collecting the debt on behalf of XXXX XXXX for account XXXX, Ive spoke to a legal representative and requested for her to provide validation of debt and she said theres already a garnishment in place so they can collect on debt owed which is actually from XXXX XXXX and not XXXX XXXX. This company has also refused to oblige by their pledge to stop collections efforts on accounts suffering from financial hardship with documentation. I have provide FMLA paperwork to XXXX XXXX more than once, this information was taken into consideration with their collection department but not their legal department and this company is suppose to be one entity. The representative Ive spoke to stated that I DID NOT MEET THE CRITERIA with the legal department but the criteria was met with the collection department. He did not request for additional information and said he can not disclose what else is needed. This company practice unlawful acts when collection from consumers, and although the accounts are suppose to be cease and desist I was still contacted by mail from this company and not through law which is a violation of 33-18-1004 and subject to civil penalty.
* THIS IS NOT A DUPLICATE COMPLAINT * My initial complaint was closed on XX/XX/XXXXwithout Ocwen Loan Servicing taking all the needed action to have their credit item expunged from my credit file.

Initial Complaint Details Complaint number : XXXX   Date submitted to CFPB : XX/XX/XXXX Ocwen Loan Servicing did not address in their correspondence letter datedXX/XX/XXXX that they were going to update the first Delinquency Date to XX/XX/XXXX ( they are reporting XX/XX/XXXX ) with the credit bureaus : XXXX, XXXX, XXXX and XXXX. This credit item needs to be purged due to age of first delinquency. Ocwen only handled half of my first complaint, which was to report that I was 180 days past due on XX/XX/XXXX.

Further, Ocwen has already admitted, in writing which I attached, that they first acquired servicing rights on XX/XX/XXXX from XXXX XXXX XXXX  with a loan due for XX/XX/XXXX. This is an undisputed fact that they already substantiated.

Ocwen Loan Servicing, LLC also incorrectly reported they transferred my account to XXXX XXXX XXXX  onXX/XX/XXXX. My account was transferred on XX/XX/XXXX.

You may reach out to either XXXX XXXX ( XXXX  ) XXXX in the Ocwen Office of Ombudsman or XXXX XXXX   in the Ocwen Office of Ombudsman ( XXXX ) XXXX
Experian is reporting an inaccurate Dismissed Chapter XXXX BK filing with the Illinois Federal BK Court case # XXXX associated with a social security number # XXXX I have disputed this several attempts to have it removed based on the FCRA Law of inaccurate filing. I have contacted XXXX XXXX XXXX that the Experian Bureau says they are verifying the information. Experian keeps stating " IT IS VERIFIED ''.
I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX 'S XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA-THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU
Im due to unfortunate events I had a mishap with the law and I got XXXX  out through XXXX XXXX   XXXX and from what I know they are not supposed to charge me without my authorization thats why they kept telling me to call them back when Im ready to make a payment so then they can process it but unfortunately I guess since I wasnt paying fast enough or I wasnt paying in time they took it upon themselves to charge my card and when I called Chase Bank and let them know that there was an on authorized charge they told me that im due to unfortunate events I had a mishap with the law and I got XXXX  out through XXXX XXXX XXXX XXXX and from what I know they are not supposed to charge me without my authorization thats why they kept telling me to call them back when Im ready to make a payment so then they could process it but unfortunately I guess since I wasnt paying fast enough or I wasnt being in time they took it upon themselves to charge my card and when I call Chase Bank and let them know that there was an on authorized charge they told me that I will I will have to personally take it up with the company because since I dealt with them before then the transaction is the XXXX meant which I dont understand because the time I dealt with them before to make the payment was for that payment to only it was not for an automated continuous withdrawal of any sort so it was for that one time payment and the car should not have been used for any other transactions unless I told him it was OK and Wish I did not and when I tried to explain that to the escalations department they told me that I authorized charge because I gave them my credit card information in the beginning. I thought XXXX is how many times the company has my credit card information theyre not allowed to charge it without my verbal OK or a signature or some sort of verification saying that it was OK to charge my account but I did not do that of any sort and now I can not get my money back because Chase is kind of refusing to investigate because they said that the only option I have is to go ill with a company myself when I thought Chase investigates all inquiries about a claim and I filed a claim against them. 

So why is chases escalation department refusing to investigate a claim that so why is chases escalation department refusing to investigate a claim that if they called to get a signature or a verbal recording of my authorization Had no verbal recording of my authorization nor had a written confirmation of my authorization so therefore it was an authorized and yet Chase wont investigate or maybe they are investigating but the officer or the representative that I talked to told me specifically that I would have to deal with them by myself because Chase is not going to look into it because I dealt with this company before that company has the right to charge my account whenever they want without my authorization which is not right.
First Consumers Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I received a call on XX/XX/2018 from a XXXX XXXX, ACCOUNT MANAGER at XXXX XXXX XXXX   attempting to collect a debt owed to XXXX XXXX  XXXX   XXXX, in the amount of {$710.00}. 

I have no prior knowledge of this debt and asked for a copy of any written notice that was sent to me. I was forwarded a collection notice dated XX/XX/2018 as an e-mail attachment. In the meantime, I reached out to the creditor XXXX XXXX to find out what's going on. 

The next day on XX/XX/2018, I have received a call back from XXXX XXXX explaining that the claim processor denied the claim around XX/XX/2018. Apparently I was not informed about that by XXXX XXXX ( despite they have my e-mail and phone number ) nor claim processor XXXX. I also was notified that my credit dropped 40 points which surprised me. 

I called XXXX XXXX XXXX and talked to a XXXX, who informed me that there is a 90 days grace period for me to resolve the matter and there should be no reporting to the credit bureau during the grace period. Then I was transferred to XXXX as she handles my claim. I updated her on my findings from creditor, informed her that I am in touch with the claim processor, and wanted to make sure no reporting will be done during grace period. Not only XXXX claims it is only 30 days, she says it is running out already, also she threatened to report to the credit agency this coming Friday on XX/XX/2018, despite the fact that I was first contacted by XXXX XXXX XXXX on XX/XX/2018 and XXXX was not able to provided any proof of prior communication to me. 

I felt the collection effort is unethical and unfair as they have threatened/damaged my credit while not giving consumer any time to resolve the matter. 

I requested escalation on the matter to a supervisor and have not heard back.
FROM XXXX-XXXX  I SCAMMED BY FRAUDERS VIA XXXX ROMANCE SCAMS AND XXXX EMPLOYESS IN THE MONEY SERVICES AREA AT STORES.. 

I HAVE BEEN SCAMMED FOR MORE THAN {$260.00}, XXXX AND IT MONEYGRAMS, XXXX AND XXXX PROBLEM. I WANT ALL TRANSFER IN MY NAME..
Hi, I was just charged a late fee by Citibank on a new credit card account. I did not receive a statement in the mail, so I did not know that a payment was due. I just made the payment in full for {$60.00} on the Citibank website. I asked them to refund the late fee, but they refused. I noticed that they had this account set up for paperless statements, which I did NOT request. Therefore, I would like the fee refunded. I have been a long-time Citibank customer and I keep my account current. 

Thanks, XXXX XXXX
I called XX/XX/XXXX to inquire about this debt. Credit Management , LP informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from Credit Management , LP, again as XXXX, and again as XXXX account number XXXX as till owing.
Frost Bank continues to incorrectly list a deposit account that is overdrawn on my personal credit report XXXX file attached ). They also list the account as an loan with monthly payments. This seems to be a dirty trick to try to get me to pay a debt I have already disputed.
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I am currently putting fraud alerts on my credit report and am hoping my identity does n't get stolen.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. XXXX will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

Transunion is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through them.
I applied for a XXXX credit card inXX/XX/XXXX When I applied the promotional offer included 1 free anniversary night at ANY hotel of theirs. In XX/XX/XXXX I received a letter that they changed the promotion and it is 1 free anniversary night in a hotel up to 40,000 points. BUT if you apply for a new card fromXX/XX/XXXX to XX/XX/XXXX then you will get the old promotional offer of 1 anniversary night at ANY hotel of theirs.

I called Chase and they told me it was an XXXX issue. I called XXXX and spoke to three representatives, 2 of them managers from XXXX. They stated that the small print in the application said they can change the terms. So I explained that it seemed unethical to change the terms for people who applied for the card fromXX/XX/XXXX- XX/XX/XXXX and then change it back for people who applied XX/XX/XXXX- XX/XX/XXXXjust so they can encourage people to sign up to the card. I told them that if the promotion was changed for me then it should be for everyone and why was I being penalized for applying for the card a little more than 2 months earlier and spending money on it? Both supervisors were rude ( XX/XX/XXXX ) and one spent half an hour telling me that its the same promotion since we both get a free night.

I stated several times that it seems very unethical and a fraudulent practice or at the very least dishonest to exclude JUST the customers from XX/XX/XXXXto XX/XX/XXXXwho applied for the card in good faith that XXXX   would honor their promotional offers.
Freedom Mortgage continues to report account as being delinquent. Credit report shows last payment was  XXXX  2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern : I am writing this letter because there is a big mistake on my credit report. I am specifically talking about the Afni Collections Account for {$1500.00}. 

Afni Collections has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. I look forward to a speedy resolution of this matter. 

Thank you. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX