WillisBack/dataset-financial-user-claim huggingface dataset:
I have a collection with Franklin Collections Services on my credit report saying I owe money. I don't owe any money to this company. I paid the XXXX XXXX XXXX directly so I don't know why they put this on my report. I disputed this and it's still listed.
CMI contact me concerning an unpaid debt to XXXX in the amount of XXXX. I do not live at the address given nor do I have services with XXXX.
I wish to file a complaint against XXXX XXXX XXXX XXXX XXXX. 
They have a Paid collection account of {$150.00} on my XXXX credit report. Shows it was paid XX/XX/2018. I have never paid XXXX XXXX XXXX XXXX XXXX any money. So this account is erroneous and inaccurate and needs to be removed from my credit report immediately. Fair Credit Reporting Act says that a credit file must be : 100 % accurate, verifiable and timely. This account meets non of those. Furthermore, the client or original creditor listed. I have a {$0.00} balance with them. So if I have a {$0.00} balance with the client or original creditor, there is no way I can have a collection account with XXXX XXXX XXXX XXXX XXXX. I am very upset and frustrated as, I want this erroneous, unverified, fraudulent account removed from my XXXX credit report immediately. I would also like you to fine XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act and violating my consumer rights
I was called at my cell phone number (  XXXX  )  XXXX  on   X/XX/17     at  XXXX . The caller id was (  XXXX  )  XXXX  and I answered and heard silence due to the dial being placed with an autodialer. When I got connected, I informed the caller this was a cellular phone and I requested not to be called.   I received another call from  (   XXXX   )   XXXX  to my cell phone number (  XXXX  )  XXXX  on    X/XX/17    at  XXXX . I answered and heard silence again from an autodialer and was then transferred to a representative. She stated she was calling fro m Alliance Group an d  Associates regarding a collecti on matter from   XXXX   XXXX   XXXX   XXXX . She did not give any disclaimer about call recording or give the required mini-miranda disclaimer. I asked why they continue calling my cell phone after I have requested no further calls and why they called with an autodialer and I explained this violates the TCPA. She immediately asked me to commit to payment for a debt I do n't recognize and then made threats to damage my credit and garnish my wages then hung up on me!   I called back  (   XXXX  )  XXXX  and another rep answered and did give a call recording disclaimer along with a mini-miranda disclosure. I asked again why they keep calling my cell phone with an automated dialer and she claimed the number was located through skip tracing and is permissible so I asked to speak with a supervisor. I was placed on hold then the same representative came back giving me a number in South Carolina for me to dial. I asked why I ca n't speak to a supervisor at her location in Pennsylvania based on her caller id. She stated she too is in SC and refused to transfer me and hung up.   I dialed back once more and another female answered and also refused to allow me to speak to a supervisor and hung up on me.   I have searched the internet and I am unable to locate a website for  Alliance Group and Associates and I  question their collection practices. I believe they are deceptive and are not following federal regulations or treating me respectfully or fairly. I feel harassed and with this experience, they have violated the following  : 1. My request to not be called on my cell phone further 2. The TCPA has been violated by calling my cell phone multiple times with an automated dialer 3. They refuse to allow me to speak with a supervisor and hang up on me continuously 4. They did not give all required disclosures ( call recording and mini-miranda ) 5. They are using spoof caller-id numbers to misrepresent themselves as a company local to Pennsylvania - and for no reason ... I live in Florida even though my cell has a PA area code 6. They are making outragesous threats to garnish my wages which is excessive and not permissible
In short, this company is in violation of the law. They are reporting inaccurate late payments on my credit report from 2017. I was not late and have showed this company proof of my payments yet they still refuse to remove the late payments. Also, according to the law while an account is in dispute I, the consumer should not make any payments to the company and the company can not report my account to the credit bureaus while the account is in dispute. Once again Conns has acted as they are above the law and violated my rights as a consumer. ( Please see attached for more detail on the situation )
Select Portfolio Services has committed fraudulent acts against XXXX XXXX XXXX XXXX and her son, XXXX XXXX XXXX. Their house payment has never been late, now SPS has sent their payment back and rejected the payment. They say she has taken bankruptcy when she has not ever filed for bankruptcy. They have been threatening to forclose for the past 7 years. They also sent a letter asking them to take {$10000.00} and relocate or be forclosed upon. SPS says there is a lien on the house and property, but it is confidential and they refuse to let XXXX XXXX know who has a lien on her property. When XXXX XXXX went to refinance through her regular bank, the banker called SPS for a payoff amount. SPS refused to give a payoff amount. XXXX XXXX has also found out that she has XXXX acct numbers when she should only have XXXX. XXXX XXXX is a XXXX yr old lady and her son, XXXX is XXXX.
I am currently working with XXXX XXXX XXXX to work on paying this account. They call at least 5 times a day, usually late at night and during all hours of every day, even during the weekend. They have called my brother ( XXXX from XXXX on XXXX-17 ). This is unacceptable and I am unsure why they are calling my sibling, regarding my account,.
Portfollio Recovery is trying to colect the allaged XXXX XXXX credit card dept. 
After two letters send to them by me, on XXXX XXXX and XXXX XXXX Portfolio Recovery was unable to provide me with the document bearing my signature as a proof that I owe them. 
I believe that this is a violation of the Fair Debt Collection Practices act ( including but not limited to Section 807-8 ), also the violation of the Fair Credit Reporting Act ( including but not limited to section 623-b )
Calling at all hours, leaving rude unprofessional messages. Have attempted to use the web to view the debt in question they say I owe but their website goes to a dead link with no assistance. I would like to see the debt first, and they are not allowing me to see that information on paper opting to just call with no verification of debt owed.
My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 


1. XXXX/XXXX  - XX/XX/XXXX 2. Brclysbankde - XX/XX/XXXX 3. Brclysbankde - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission to do so.
When I do try to pay my student loans, I ask for the income driven repayment plan. However, it is still way too high. I have never been given a loan payment I can actually pay without draining my income. The customer reps always say I should just sign a forbearance form. It is not that I am unwilling to pay, it is that the repayment options are n't feasible.
Unknown account and unknown debt, this is a mistake listed on my credit file that I have disputed with nothing received
On XX/XX/2018, I sent Ad Astra Recovery Service a second letter regarding them verifying that a debt in the amount of {$330.00} belongs to me. They never validated the debt was mine according to the Fair Debt Collection Practices Act. The are falsely reporting this collection item on my XXXX and XXXX credit report. They only provided a print out of an itemized billing statement that does not have my signature on it. The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification the debt belongs to me. They are falsifying information on my credit report, in which is illegal practices to me as a consumer. I asked this collection agency for the original contract I physically signed, that supposedly agree to the terms for the account and they never sent these records at all. I demanded proof or validation according to Fair Debt Collection Practice Act, and they never responded to me. This debt is unlawfully being reported on my credit report. I don't owe this debt and it should be deleted from my credit report.
I submitted a dispute with Equifax on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX/ XXXX XXXX. Prior to filing a dispute with Equifax, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX XXXX XXXX/ XXXX XXXX directly and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with Equifax. Approximately XXXX months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called Equifax to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that Equifax claims to have if not correct. It appears that Equifax is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.
Wells Fargo Home Morgage is sending me Certified Letters referring to " my loan '' that is in default for a home loan I never entered into. My spouse refinanced a home loan in XX/XX/XXXX and I was never on the application, never signed and never entered into any financial obligation with Wells Fargo. Since my spouse had this debt discharged in bankruptcy in XX/XX/XXXX, Wells Fargo Home Mortgage is attempting to collect from me. THIS IS NOT MY DEBT. I never signed any Promissory Note, loan application or other loan documents. I also completed a Quit Claim Deed in XX/XX/XXXX in which I released/conveyed any legal interesest in the property. Wells Fargo Home Mortgage should not be sending me any correspondence and I should not even be involved as I am not an owner and NEVER participated in, not signed any loan documents. This is not my debt. They are threatening to take action and I do not have funds to hire attorneys. They know this is not legally my debt and they know I am not an owner of this property. They have ignored correspondence reminding them of this. I need help to have them stop harassing me for a debt that is not mine. Wells Fargo is known for deceptive and unethical business practices as evidenced by court cases involving this. I have many medical issues and unable to work and therefore, am not able to deal with being illegally harassed for debt that has never been my debt and for issues regarding a property for which they known I am not an owner. Please help me stop the harassment by and unethical, illegal practices by Wells Fargo Home Mortgage. Thank you!
I received a mailer from Citibank in connection with my credit card. The mailer offered balance transfers and included checks to do so. There is a number provided if one does not wish to receive balance transfer checks in the mail. I have requested a stop to these letters in the past. I called this number multiple times to confirm that in fact it was the wrong number. For some reason this number forwards to a leasing office for some sort of housing facility called XXXX XXXX at XXXX. That is obviously preventing me from contacting office in order to fix this situation. 

The mail was received on about XXXX XXXX 2017. 

The phone number provided by city is XXXX XXXX - XXXX - XXXX, I called on Sunday XXXX XXXX, 2017. I also have a recording.
XXXX - XXXX XXXX ( Acc Number:XXXX ) Experian - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX XXXX - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.
On XXXX XXXX, 2016 I initiated a money transfer from my XXXX XXXX XXXX checking account through Western Union 's instructions using Bill Pay in the amount of {$200.00} ( {$190.00} to my receiver and {$5.00} Transaction Fee ). On XXXX XXXX, 2016 I called Western Union and was stated that the transfer was cleared for the receiver ( my cousin ) in XXXX, XXXX. I was told on XXXX XXXX through email from my cousin that Western Union has put a hold on the transaction due to my cousin 's name being similar to a sanctions list used by Western Union. I have complying with Western Union 's request on information regarding the receiver, however, Western Union has locked up the transaction and is unwilling to cancel the transaction. I have spent endless hours on the phone trying to resolve this issue, however, I keep getting channeled to different call centers and departments that span the XXXX, XXXX XXXX, and XXXX. I have requested many times to be transferred to a US based call center or receive a call from a Western Union representative but have yet to receive any call and/or phone number. I am quite frustrated and need assistance to resolve.
I applied for a credit card that would give me a discount on Amazon. As a result Chase Bank sent me a SNAIL MAIL saying that if I did n't respond by 30 days from the date of the letter, they would discontinue the evaluation of the application. I 'm traveling and I finally received the letter 26 days after they sent it. Now it 's impossible to find an e-mail address for this bank and I do not have the means to call their XXXX number. This is a major frustration and seems very UNPROFESSIONAL.
On XX/XX/XXXX, Midland Credit Management called the main line at my office, asking to speak with me, and tried to collect on the debt. I summarized the event in an email to MCM. Please review the email for a detailed account. Also, I submitted the complaint to MCM in email to XXXX and through MCM 's online complaint system. I have not received a response. However, I have not received another collections call at work.
My husband passed away on XX/XX/2016. I reported his death to Citi Dividend card by e-mail and attached his death certificate to that e-mail. We have been using this card for more than 5 years and never missed a payment. Without even replying to my e-mail they closed the account and cancelled my card also. I found that when my payment to my utility company was declined. There was a balance of {$250.00} on the card and they sent that to collections department. I made the payment for the balance immediately and asked them about the dividend dollars of {$170.00} that we accumulated for over many years. After talking to number of people and wasting number of hours I was told that the check can not be issued. I told them to issue the check in my husband 's name. They said they ca n't do that because the account was cancelled
I spoke  with two repre sentatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the la st five years, b ut nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
The collection company is reporting 2 accounts to my credit report. One for {$200.00} and one for {$210.00}. Both from same original creditor. I have contacted original creditor and according to there records I have only had one bill ever with them and it was a workers comp claim when I was injured on the road and the total of that bill was only {$100.00}. The collection agency is attempting to collect double the money on 2 separate accounts. I have disputed the information and they say I have to pay it.
I experienced the same with JP Morgan Chase. Chase requested numerous documents and called the wrong phone number. They messed up my refinancing and it took more that 130 days for them to process my refinancing. " XXXX subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes, '' CFPB Director XXXX XXXX said in a statement. " Consumers were kept in the dark about their options or burdened with excessive paperwork. '' XXXX
On XX/XX/XXXX, I was notified by bank, XXXX XXXX XXXX that I may be the victim of identity theft. Apparently, someone tried to open a credit card under my name at XXXX XXXX XXXX. I was told to check the XXXX site to see if my information had been stolen. It had. My credit score was XXXX. It went down to XXXX. Someone tried to open 14 different credit cards in my name which now show as hard inquiries on my report. This is devastating to me. I notified each credit beareau and started a disoute process to have the inquiries removed and I have heard nothing back. Only XXXX is going to offer me lifetime credit monitoring. Thanks but whats that going to do with the hard inquries that are now on my report. I wrote personally to transunion to resolve this on XX/XX/XXXX. It took me month of hard work to fix my credit and now its completley ruined.
I keep getting notices from their collection agency Acct of XXXX Nevada and I have sent response letters, XXXX XXXX, XXXX, XXXX XXXX and XXXX to Acct of XXXX Nevada and all XXXX credit bureaus asking for proof it was me using the services of their client. I have asked for : 1. The copy of your agreement with Nevada XXXX XXXX which authorizes you to collect debt on the their behalf. 

2. The signed agreement from the debtor confirming to pay the debt or any document signed by me at the offices of Nevada XXXX XXXX. 

3. Any documents showing payments made on this account and validation of the amounts. 

They have not provided any information documenting it was me using the services of their client. 

Respectfully. 

XXXX XXXX
I recently had been working with a credit consolidation company XX/XX/XXXX-XX/XX/XXXX Because I had accounts that were not mines do to the open status dates. I was sure I did not open those accounts. Which after months of letters being sent out to XXXX XXXX which name is now XXXX XXXX XXXX. while checking credit after 30-90 days. It turned on all credit reports that the debt were dropped off my credit. because those accounts were not mine. That was in XX/XX/XXXX. Now its showing up months later on my credit report again.
Theres XXXX accounts listed on my credit report the Equifax that do not belong to me and I have contacted all parties and sent a copy of my police report. I have also contacted a law firm that specialize only in suing credit bureaus. This company is called XXXX and I have been in contact with XXXX XXXX.
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX  and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.
Chase Credit Card Services is refusing to provide statements for my Chase Business Visa under XXXX. I have records showing money was transferred to them from my personal checking account but Chase can not produce any evidence of debt. I want to point out to that XXXX was my business, I am the owner. My business was subject to Chase 's credit reporting and my business was responsible for the supposed 'debt ' you collected from my checking account. But you can not show any charges were made on that credit card. There has clearly been some kind of accounting error and I want those over charges returned. Another solution would be this, through acts of fraud my ex-wife now XXXX XXXX managed to steal allot of money from me and a large amount of my XXXX son 's recovery money. We have been unable to produce the evidence of what she 's done due to my inability to access any of my finances. It drove me into bankruptcy forcing me to default on my new creditors unnecessarily. One of those creditors is Chase Visa my new account through Amazon.com. I believe you can clearly see on your end who is causing this problem and preventing you from providing me with copies of my statements which I need to show fraud was committed. In effect XXXX XXXX XXXX and XXXX XXXX XXXX have committed offences against both of us.
Equifax and XXXX are trying to get me to buy and use their own products to protect my credit after the Equifax security breach. I feel it should be easier and well within my right to be able to freeze my credit and put a fraud alert on my accounts easily. Nevermind the fact that XXXX clearly does not care about consumers if they are not protecting their information better. I also do not understand why I will have to pay {$30.00} to unfreeze my credit. I 'd like to see a change in the way the government handles this.
Capital Accounts has no legal right to collect/ report on this alleged debt that 1. I have no contractual obligation to Capital Accounts for charges that were paid by insurance. 
2. Debt is past statute of limitations