WillisBack/dataset-financial-user-claim huggingface dataset:
At about XXXX on XX/XX/2017, I transferred funds ( {$100.00} ) from my Bank of America account ending with XXXX to my XXXX XXXX credit card because it is the only checking account that I maintain and it is linked with my XXXX XXXX card. 
At the time I did the transfer, the balance in my account showed that I had sufficient funds to complete the transfer, because when I did the funds transfer, it went through. 
The following morning, at about XXXX XXXX ( XX/XX/2017 ), when I checked my bank account balance, I noticed that Bank of America has charged me {$35.00} late fees. I immediately went to the bank ( see a screenshot of my account ) to replenish my account. 
As soon as I added funds to my account, I called my bank to dispute the charge and request that the fees be reversed. 
I 'm disappointed that Bank of America refused to reverse the late fees. 
Hence, the reason for my complaint.
I sent a letter to Experian asking them to look into a number of accounts they are reporting that I need more information on. They refused saying I disputed this already. I do n't know what they call a dispute, I did at one time try calling the numbers under some of the accounts I question but all I got was bullied by debt collectors and harassed. I know I have a right to that information from Experian.
XXXX/XXXX/XX/XX/2015 I was contacted by a collection agency stating that I owe {$2900.00} to an online university. I stated that the claim was erroneous as I had applied for and to my knowledge received financial aid. I asked what the debt was for. They stated it was because I did not withdraw from my classes per the contract. They stated they had exhausted all efforts to contact me. I stated that this was the XXXX I had heard of this alleged debt. Collection agent stated that they had been contacting me at ( telephone number that did not belong to me ). Agent read off the telephone number. I stated that was not my telephone number. Agent stated that that was the information provided to her. On XXXX/XXXX/XX/XX/<YYYY> after having made contact with me and after I had advised the telephone number they had been calling was not mine, a collection agent from this agency again called the telephone number not belonging to me, it belongs to my mother, and left a phone message discussing the alleged debt on my mother 's answering machine. This same day this same agent left the same message on my answering machine and implied a threat that if I did not call them back by XXXX on XXXX/XXXX/XX/XX/2015 that my file would be moved to final determination and that " seriously, this is something you do n't want to happen ''. Previously, when I asked the collection agent to validate the debt, they threatened that if I request the validation of debt that I would not be able to work out any type of settlement, that all chances of working out a settlement at a reduced amount would be off the table. As I was trying to reason with this collection agent, she continued to yell and talk over me and stated " I 'm not playing your games, I 'm going to submit paperwork to garnish your wages ''. On XXXX/XXXXXX/XX/<YYYY> I contacted the original creditor, spoke to XXXX. of the university and advised that the collection agency was very abusive and illegally trying to collect on a debt. I stated that I wanted to work directly with the university to resolve this matter. XXXX. stated he would speak to Mgmt to pull my file from the collection agency. I contacted the collection agency to advise them of this. The agent with an exasperated tone asked why and " Are you going to resolve this? '' I stated I am resolving this as quickly as possible. XXXX. of the university emailed me XXXX/XXXX/XX/XX/2015 stating that he was speaking with the collection agency and would be back in contact with me after hearing from the collection agency. Received a call XXXX/XXXX/XX/XX/2015 from the collection agency again. I did not answer.
Experian Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
I did not give these companies permission to pull my credit reports. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I was denied a VA refinance with Carrington Mortgage, my home is in Michigan and I have a second state residence of Alabama part of the year because I work part of the year in Alabama. The Mortgage company researched my voting registration and says since I 'm registered to vote in Alabama, and researched my adult son and my grandchildren who lives with me and researched my grandchildren school registration in Michigan at my address and denied me. I never heard of such invasion they checked my XXXX and found I was XXXX and on the day of closing came up with all of the above.
I sent them letters because they are reporting it to the bureaus, but they not sending any valid proof or permissible purpose of any debt i owe them. 

They did not send me any contract where I signed to pay them anything. 

I have contacted the credit bureaus multiple times disputing it, but they also have no proof yet still keep it damaging my credit and defaming my character.
I have sent numerous letters disputing the validity of medical bills on my report. I 've asked for validation in which they respond VERIFIED .... which is NOT TRUE!! I am uploading a recent letter from the creditor appearing on my report. Which clearly states THEY HAVE NO VALIDATION. How can these accounts been verified if the source CANT VALIDATE?
My car was taken by city of XXXX i called my finance company many times on status updates with my vehicle a guy that originally handled my account i spoke with and he called trying to collect on a debt first time we spoke i started asking questions regarding my car and told him after repeated attemps to find out whats going on how can i continue to pay and know nothing about my vehicle when he then got closer to the phone and with a lower voice states thats not my problem that your car was taken very rusely so i asked for a manager and which he refused to pass me to one so i hung up and called back repeated time which i was then ignored so i waited a few days and called again they said they will get a manager to call back which never happened and then the same employee called again trying to collect on the debt this time not verifying who he was speaking with jist told all my information to a 3rd party so i finally got in contact with a manager which said she was sorry etc and i told her i only want to spk with members of management which continued to not happen so then another guy called and with no recordi g statement no mini maranda warning which was also never done prior then has the same remark stated by first employee so i then vr he was a collector he said yes i vr he knew his fdcpa laws said yes then i pointed out everything he did wrong and cease and assisted all Communications and started to look for a attorney which i still am seeking
I borrowed money for a XXXX with OneMain Financial. If memory serves me correctly the total was approx {$6000.00}. During such time I acquired insurance in case of an emergency in which I did have to use on one occasion. Once I was able to pay again, I made a {$2000.00} payment which put me ahead a little. Just recently I did what I thought was to have paid off the loan. I called the establishment 1st however, they had already closed for the day. Therefore I paid the total amount online using the most recent statement that I had received. I thought I was all done and then I receive another statement requesting an additional {$160.00} payment. I was very upset and I called the branch again and asked for XXXX XXXX XXXX whom is the manager. The representative advised me that he was at another location and that she would forward him my information to call me back so that we can resolve the matter. However, no call and now this affect my credit worthiness according to my credit report. I just want to be done with this. I paid off the loan and this is really not fair.
To whom it may concern : I have attached a letter in the section where it will explain the incident that happened to me. I have file a dispute with your company for because Ive noticed that I had several new inquiries listed on my credit without my consent. I dont understand as to how the inquiries got onto my credit and I havent inquired about no new accounts. I have contacted the FTC to file a complaint and theyre investigating the incident to see if it was inaccurate or fraudulent. It is sad that every second someones identity is being stolen but who to say that the credit bureaus arent doing this purposely? I am clueless and in distress. In the FCRA section 609, it clearly states that accounts or inquiries that arent verified 100 % correctly should be removed because there is no original application or contract that has the consumers signature. Ive contacted the creditors and I havent gotten no response it seems that Im being ignored and the only way to solve this immediately is to file a civil law suit against the creditors and Equifax, XXXX, & XXXX. Please read the attached letter correctly.
This was a credit card that was taken out in XXXX 2010. Now I am interested in paying off the debt. {$130.00} and {$50.00}. 

Having difficult finding out which party is the debt through. From my credit report, I google Global Payments to find out the number - there were XXXX phone numbers listed - Then called the original debt person at XXXX XXXX XXXX - and talked with XXXX XXXX in finance XXXX XXXX XXXX she gave me the VIP Card holders number- XXXX XXXX XXXX - When I called that number - the account was sold to XXXX - XXXX XXXX XXXX. When I talked to XXXX XXXX, they shared they did not have the account. ( It was shared that XXXX was no longer working with XXXX XXXX in XXXX, IA ) I called the VIP Cardholders again, and could not find me in the system - I called XXXX XXXX - XXXX XXXX told me to call the VIP Cardholders again. At this time, I felt like I was on a carousel trying to settle a debt and improve my credit status.
I called and sent in writing a fraud affidavit I explained to Experian I had been a victim of identity theft asked that they do n't extend credit without first contacting me personally The added the information yo my credit profile yet today I wake up to a new fraud account added to my report by XXXX XXXX ... no one contacted me in regards to this account. I am already trying to fight to have my identity back and Experian is adding more stress XXXX  something has to be done about these bureaus
Recently I had {$3000.00} medical.debt added to.my Experian credit Report. This debt does not belong to me. I've reached out to the company several times to try and have this debt removed and requested validation of debt from them with no success. Ice files reports with the FTC as well as an affidavit with the IRS for several other debts I had to have removed bc of this. I am requesting that Experian have this debt removed from.my credit report immediately. This is my 2nd attempt with contacting Experian to have it done and I have not gotten a response. Your attention to this matter is greatly appreciated. XXXX has already investigated this matter and has had it removed.
Equifax is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. Equifax is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.
My name is XXXX XXXX, son and authorized to speak on my Mom 's behalf. On XX/XX/18 my Mom, XXXX XXXX sent a check for {$2500.00} for the mortgage. I contacted Mr. Cooper about setting up a repayment plan on XX/XX/XXXX. I was informed by the representative that they haven't cashed the check as of XX/XX/18. The loan # is XXXX. I would like to have a better understanding about how the repayment plan will be set up and if payment can be set up so we can get back on track with the mortgage? We are really trying to keep our home, my Mom has XXXX XXXX XXXX and she is XXXX years of age. Can we have a payment restructured so that the home mortgage is caught up? I can be reached at XXXX or XXXX XXXX 's # XXXX. Thank you! XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
I received a copy of a lease from a collection agency., claiming I owe a balance. After reading the lease carefully, I noticed I have never lived at the address on the lease sent by debt collector. I have sent several copies of my previous address along with identification, to XXXX and IQ DATA for dispute. But to no avail because they insist it's accurate and verified. I know both agencies work with one another but this is not fair to me as a consumer. What else can I do, after I sent proof numerous times that I've never lived at that address? XXXX has all my addresses on file with credit report, none match address on collector 's lease and continues to reject my claim.
I recently filed a complaint against this company for attempting to collect a debt that is not mine. The complaint number is : XXXX The company responded saying they could not validate the debt and were updating my credit report to say " disputed ''. This is not acceptable. I want this item that does not belong to me completely removed from my credit report. The company responding saying that the letter from XXXX relates to a data breach that happened after the account in question was opened. When reading the letter one can see that this is simply not the case. The letter says XXXX became AWARE of the breach on XXXX/XXXX/XXXX and nowhere in the letter does it state that the breach happened on that date. Furthermore I have attached a letter from XXXX bank detailing the credit hack which occurred in XXXX. As this letter from XXXX is NOT dated one would have to utilize the toll free number on the letter to inquire about any dates or details relating to this debt. Below is the text from the original complaint : I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over 1,000 people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response. Later after dealing with that XXXX had a major leak related to XXXX. I have attached documentation regarding this leak which includes contact information for XXXX Bank if you would like to verify the identity theft with the bank.
I spoke to XXXX  from the customer service from credit acceptance Corp on XX/XX/2018 and I told him that this account was obtained by someone who stolen my identity, Fraud, And This Representative keep calling and calling me every day harassing me asking to make a XXXX dollars payment and they will stop calling me and asking for my bank information,
A Ditech mortgage appears on my credit reports from XXXX and XXXX. I contacted both reporting agencies and advised I have never had a Ditch mortgage or Ditech loan of any sort. Neither credit reporting agency has removed the incorrect information. XXXX advised I should contact CFBP for assistance. The one and only mortgage I 've had in my lifetime began with XXXX in XX/XX/XXXX. When XXXX shut down, my mortgage was sold to XXXX ( XX/XX/XXXX ). In XX/XX/XXXX, I refinanced with XX/XX/XXXX who, to this day, still holds the mortgage. Again, I have never had a mortgage or loan with Ditech and want the Ditech mortgage removed from my XXXX and XXXX credit reports. I have no documentation to attach as the Ditech mortgage is not mine, and XXXX XXXX, and Ditech can not provide any documentation on this alleged Ditech mortgage showing on my credit reports. I would greatly appreciate assistance in getting this fraudulent entry removed from all credit reporting agencies ASAP.
I want to add documents that were not previously submitted to complaint number XXXX : 1. HUD statement at time of purchase, 2. Appraisal value ( 2016 ) by XXXX XXXX XXXX XXXX.
I had an installment loan that I got behind on back in XX/XX/XXXX. It went to an in-house collection agency. I paid in full during the XX/XX/XXXX. Since then, the collection angency has failed to update information correctly on my credit reports. The have incorrectly reported my XXXX date if delinquency, which could lead to the satisfied negative account to stay on my credit files past the XXXX year legal mark.
On the XXXX contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.
I continue to receive an annual notice for a closed bank account with a charge for safe deposit box rent. The Bank of America branch located in XXXX XXXX XXXX, FL closed my checking, savings, ATM, credit card and deposit box over 3 years ago. These transactions were done, in person, with a bank officer .... I returned all bank cards, keys and records and received a bank cashiers ' check for all money due at this closing.. I also receive robo calls from XXXX with a recorded message with a reference number. These actions are at best harrassment and most certainly a fraudulent activity. All attempts to contact B of A and speak to a representative have failed.
I contacted XXXX XXXX about a debt for capital one credit card. I told them this was not my debt and that they needed to send me a verification letter and they have yet to do that.
Bank of the West had a promotion to open a savings and checking account for a {$250.00} bonus ( XX/XX/2016 ). When I went to open the accounts at the XXXX CA XXXX branch, the staff forcefully opened a credit card account for me without my knowledge until after the fact. I insisted I did not want a new credit card, but they already pulled my credit without permission and did it anyway. The manager was also part of this as he confirmed it was not a hard pull ( it was a lie ). They also gave me a line of credit ( which I also didn't ask for ), based on my credit. The said it was part of the promotion package to build relationship with customer, which was false. No where on the promotion ad was mentioned that a new credit card account was needed to qualify. 

This is fraud and the worst banking practice I have ever experienced. I was so upset I closed the new accounts shortly without waiting for the sign up bonus to post. I also closed the credit card account after sometime. ( I did not close the card immediately to not mess up my credit score. ) This was over 2 years ago, but I just found out about CFPB so I would like to report this.
I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told XXXX and was closed/ charged off XX/XX/XXXX. XXXX later sold my debt to a collection agency who later transferred the debt to Protas, Spivok and Collins LLC. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling XXXX to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.
I canceled my XXXX XXXX service, returned the equipment and paid the bill. XXXX misplaced the equipment and/or mis-shuffled the paperwork. {$260.00} charge was sent to Southwest Credit Systems ( SCS ) collection agency. XXXX has since acknowledged I was never in debt. 

SCS is reporting {$260.00} on XXXX credit report and after phonecalls and letters they are unable or unwilling to remove it. Just today I noticed a {$18.00} charge-off account on my XXXX report - only a matter of time before something appears on XXXX and who knows where else. 

XXXX of the phone calls to SCS, I was told that they acknowledged I did n't owe {$250.00} to XXXX but asked that I pay {$18.00} for some reason. I am not responsible for any charge as I returned my equipment and did nothing wrong.
I have an issue with my Transunion credit report. 
I am trying to understand my credit rating, ever few months it takes a dip of about XXXX points for no reason that I can see. I have a monitoring system and it shows no changes as far as opening new accounts or credit inquiries. As a matter of fact several inquiries have fallen off with time. With several more to come this month. Yet my score continues to fluctuate. I went from a XXXX in XX/XX/XXXX to XXXX in XXXX by my XXXX report. I am curious as to why? It also did the same thing last XX/XX/XXXX thru XX/XX/XXXX. It went from a XXXX to a XXXX. Why? And back up to the XXXX in XX/XX/XXXX. 
Also during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$250.00} on XXXX {$260.00} on XXXX {$150.00} on XXXXXXXXBut it shows up as a payment of {$41.00} for the monthAlso during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$100.00} on XXXX {$300.00} on XXXX {$270.00} on XXXXXXXXBut again it shows up as a payment of {$41.00} for the monthXXXX XXXX says they have reported the correct amounts. 
All my bills show on time payments. 

Please explainThank youXXXX XXXX Mo. XXXX
Caliber, my mortgage broker made a major error and misrepresented the GFE, by using the taxes from the previous year on an unimproved lot, as the taxes on my new construction home. 

After a year, my mortgage payment increased permanently by {$480.00} per month due to the tax error, and required a large catch up payment for my depleted escrow, which they allowed me to make over time.
Caliber, was unapologetic saying " this happens all the time with new construction '', indicating neglect of responsibility.
National Recovery Agency, amount of {$200.00}. I have disputed this account with National Recovery Agency by sending them a debt validation and disputed it with XXXX credit reporting agency as I have no knowledge of this account. National Recovery has not responded to my debt validation and continue reporting this account with XXXX credit reporting agency. Once again I have no knowledge of this account.
I filed a complaint on SELECT PORTFOLIO, I just received their response, it is dated XXXX XXXX, 2016. I am responding to their answer. What they are stating is not true. They never offered me any of the things they are stating they offered me. 
I had a lawyer trying to get a modification from them and they refused to give it to me. They stole the Equity on my home. 
I worked hard to buy my home and worked to make my payments all of the years that I had been paying on my mortgage. To think that something like this could happen is unreal. From the moment XXXX had my mortgage it has been a downhill spiral. Then XXXX got it and during the transfer of the mortgage every time payments went unreported trying to say I had a late payment which was not true. When I send proof and dispute it they sell my mortgage. Select Portfolio did worst. They filed foreclosure illegally. I just filed CHAPTER XXXX XXXX BANKRUPTCY TO KEEP MY HOME. I DO N'T WANT TO LOOSE MY HOME OVER THIS ILLEGAL SCHEME. THE PAPERWORK THAT SELECT PORTFOLIO SENT ME AS AN ANSWER TO MY COMPLAINT IS ALL LIES. THEY NEVER TRIED TO HELP ME. SOME OF THE PAPERS HAVE DIFFERENT INFORMATION AND ADDITIONAL INFO. 
FROM WHAT I SIGNED. Papers were robo signed as well
Experian is not responding to any of my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently.