WillisBack/dataset-financial-user-claim huggingface dataset:
Amount : {$2200.00 } Date :  XX/XX/XXXX  Company : B ank of America took over. Nations Bank  of F lorida where this account was. I contacted the state of Florida, sent in proof of my relationship to the owner of the account, my mother, and all other required documentation. They want some kind of business paper from the banks. This account is o ver thirty years ol d, my mother is deceased since   XXXX  , and we have no business papers to show. Bank of America says they have nothing either. The state of Florida will not release these funds without some business paper. There is n't anything. The bank should have something and they claim they do not. The state of Florida refuses to do anything, .claiming they need some document between the  XXXX  banks. It seems if there was a document it is either long gone, thrown away, or misplaced.
I have in the past been the victim of ID Theft and have had a lot of issues getting info corrected. I have had a fraudulent address removed and now it is begin re-reported. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOES NOT BELONG TO ME AND NEEDS TO BE REMOVED!!!! My Address is XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX I have attached a copy of my Drivers License showing my correct address.Please correct this problem
Credit Bureau is reporting fraudulent information to my credit report that does not belong to me. Per the Federal Fair Credit Reporting Act it's illegal to report information that belongs to somebody else, on some one else credit report.
My parents had their mortgage with Bank of America. Last year my mother,  XXXX   XXXX  and my father,  XXXX   XXXX , both passed away. I,  XXXX   XXXX , have been dealing with Bank of America as the executrix for the estate since that occurred. I received, a t one poi nt daily, calls from Bank of America asking about the intention with the property. Despite my telling them on numerous occasions that we listed it for sale in   XX/XX/XXXX  ( t he month after my father passe d ) they w ould act as if they never had any knowledge of what was going on with the property each time they called. Then, I received a letter from an attorneys office on the bank 's behalf. I sent letters to them also advising them of my involvement and the fact of the sale. I then advised them that we had a contract for sale which was supposed to occur by the end of  XXXX . I sent them a contract extension date for   XXXX   XXXX   XXXX     and despite receiving that, the attorneys office started foreclosure proceedings once they learned of the pending sale. The day that I learned the closing would in fact be Monday   XXXX   XXXX   XXXX    , I called the attorneys office every hour the try to obtain a payoff figure. They called me back the next day but I learned that they day before, they returned the foreclosure complaint to court, thus incurring additional fees and costs despite the fact that they did not have to return the complaint to court until 6 days before the return date of   XXXX   XXXX   XXXX    . This was yet another way to incur unnecessary attorneys fees and costs on this file. The first payoff figure I received from the bank was good through   XXXX   XXXX   XXXX     and had  XXXX  attorneys fees and court costs. The second payoff figure I received which was good for the   XXXX   XXXX   XXXX     closing, a mere 10 days later, suddenly included {$3500.00} in attorneys fees and costs. We took the first offer we got on the house to get it sold, so the estate was not netting much money anyway and now, that money is being paid to an attorneys office for work that was unnecessary and seemingly unethical. Pursuing the foreclosure action at this late stage was actually harming their client 's interest because a sale date was already in the works. This was not a situation where I simply defaulted on my mortgage. My parents passed away and I did the best I could to get the house sold as soon as possible and to keep the bank apprised of that along way. They extended no courtesy at all during this entire process and have now taken what little money the estate was going to get from this sale to pay an attorneys office to do a job they did not need to do at this late stage.
XXXX by Pacific Credit Group says I have a past due account with them. I never heard of them. The address they have for the alleged account on file is in XXXX, I live in another state. They never checked credit or reported to credit Bureau so there is nothing on my Credit Report or any alerts. I was a victim of the XXXX hack so US Gov pays for credit monitoring. Nothing in Credit monitoring. XXXX insists I give them my address, social, etc. which I declined to give in full.
I have sent them a letter to ask them to prove to me that I owe this debt and they wrote back they spoke with the debtor but did not send me any proof of I owe this debt They sent me nothing at all to prove I owed this amount
My Equifax report has a late payment corresponding to account XXXX XXXX XXXX XXXX XXXX, Account Number XXXX that to the best of my knowledge is incorrect and has affected my relationship with creditors. 

The credit report states under Account History with Status Code 1 ( 30-59 Days past due ) XX/2015 but it does not show the information corresponding to that month. The missing information makes it impossible for me as a consumer to verify and correct along with the creditor the error of said reporting. Attached is a copy of my Equifax report so this can be verified. 

For this reason and for the negative it has had on my relationship with creditors causing irreparable damage I demand this incorrectly reported item ( Status Code 1 ) be removed from my report.
I have tried to contact FOCUS RECEIVABLES MANAGEMENT Wed, XX/XX/2017, at XXXX during business hours after seeing they are charging me XXXX $ for a XXXX fee on my credit report. I have called comcast and questioned them about it, since i still have an account opened with them, and they are not aware of such charges. Please do something about this so it leaves my credit report because it is holding me back from rebuilding my credit. Thank you.
I have asked for proof of validation from Experian XXXX and XXXX the debt is account number XXXX XXXX XXXX XXXX. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA
My Company applied for Business Credit Card and it was never indicated in the same that they will run my personal credit report also. It was assumed that this is business credit card from XXXX XXXX Application ID XXXX. They denied the card personally to me where I never applied for the card on personal name and they ran the hard enquire on my personal name. this seems to be complete fraudulent activity causing damage to me.
I have had my mortgage sold to Bayview Financial Services in Florida by XXXX in XXXX XXXX. I have been sending over double the payment every month since then. They have misapplied my funds very regularly and not applying my payment as instructed on the form to interest and extra to curtailment of principal. They are not permitted to call me. I have to call weekly to make sure they are applying the funds properly. In my statement of XXXX XXXX, XXXX it said I owed {$2100.00} and showed many misapplication reversals and suspense of my funds. I have no idea what they are doing as I received a certified letter in the mail about foreclosure because of three month non payment of the mortgage. I have all the bank statements and copies of all the checks showing that I have been paying {$1000.00} a month for two years. Now they are telling me that I should disregard this foreclosure notice and are applying the funds correctly but I am very worried something bad will happen to my property. Can you help?? I am scared and want my payments applied correctly on the date I mail them my payment and extra principal. What should I do?
XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR XXXX XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and XXXX. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.
Honor had to to pay {$100.00} put a month I missed on the back end of my loan. Since they went into my bank acct and withdrawn additional funds my bank returned the payment. I also made arrangements and said it will be best to pay my loan each month by XX/XX/XXXX!!! This company sends my text messages from personal cell numbers and I have asked them to stop doing that! They will text me saying you are behind in your loan when Im not! Please help ... A man called me saying that he was the Vice President if the company.
At branch located in a grocery store XXXX MN on XXXX XXXX 2016 I help my kid set up a student checking account. The Branch Manager XXXX XXXX. asked if I would like to open a new credit card. I said no and explained I just opened XXXX a couple of months ago and that I was good with that XXXX. I received a letter dated XXXX XXXX that my application was denied because of gross income. I went back to the branch and questioned the manager and she agreed I declined a new card but said it would have only been a soft hit on my credit report. She said she would get back with me. After some time with No response I contacted her boss XXXX XXXX. He asked me to send documentation and a notary. He said he would take care of it. As of today it is still on my credit report under XXXX. I have attempted to contact the boss this week with no response so this is now my third step to solve and issue the US bank caused.
I recently appplied for a loan  with Credit Acceptance i n  XXXX . In  XXXX  I was admitted into he hospital for 2 months and fell behind on my payments. Consequently, I the collection calls started coming in.     I recieved a call fr om Credit Acceptance in  the month of  XXXX  and was told that a full payment of {$280.00} was due today to avoid repossession. Once payment was made over the phone, the associate would then contact the towing company and tell them to cancel the repossession process. The payment was made and the account was settled I called again in  XXXX  to make arrangements w ith Credit Acceptance so that I could build a rapport with them. I al so inquired with the associate what their policy and time frames were on repossessing vehicles and told about the situation that happened in  XXXX . She informed that the associate had no right telling me that my car is was about to get repossed without an immediate payment and she then apologized on behalf of the company. Naturally I felt confused and lost peace of mind with  Credit Acceptance.      It is now  XXXX  and I fulfilled my arrangement of {$100.00} to keep the account satisfied. They called again today  XXXX / XXXX /   2017 a nd I spoke with an associate to make further arrangements. I told what I could afford and when the payment would be made. She did n't accept my offer and when I tried to explain to her my hardship situation she not only interrupted me several times but was condescending and threatening. She then further threatened to notate my account and said I was being " uncooperative ''.     I understand th at Credit Acceptance h as a job to do it collecting payments. But I do not have any peace of mind with this company. They are very aggressive with their collection calls and ask me inappropriates questions like " in order to make payments can you ask your parents for help? Or can you ask your relatives for help? '' These questions make me feel uncomfortable.     I also need them to give me a clear understanding of what their policy is on repossessing vehicles. I was told that as long as I make arrangements with them I can avoid that consequence but each time I speak with this bank I get different answers. As a result I wake up every day  XXXX  wondering if my car will be gone or not.
I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for REVENUE RECOVERY CORPORATION license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. REVENUE RECOVERY CORPORATION does not have a VALID license in the state of TENNESSEE. Their license expired in XX/XX/XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. REVENUE RECOVERY CORPORATION is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX 2017, which  is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to Caliber Home Loans, XXXX nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.
Financial Data continues to report a collec tion account from   XXXX   XXXX   on my credit report that does not belong to me. The account belongs to my son, who has the same name as me. I recently filed a complaint against  Financial Data because they would not remove this account from my credit report. They responded w ith a copy of the contract, stating the account belonged to me. However, in contrast, the very document they supplied displayed my son 's drivers license number and signature ; not mine! I called  Financial Data a nd spoke to a guy named  XXXX , who claimed to be a supervisor. He did n't seem to care that they were reporting my son 's account on my credit report. He told me the only way they would take the account off my report is if I paid them {$450.00} for an account that does n't even belong to me.
Portfolio recovery agreed to delete account number XXXX after I settled with them and paid {$500.00} to settle the debt. The debt is still on all XXXX of my credit reports ( XXXX and XXXX ) as a " paid '' collection. This is not what they agreed to do, they agreed to remove it completely if I paid the {$500.00}, which I did. That money was very hard to pay, I am a XXXX veteran and I scraped our last money together to give to them and they did n't do what they said they 'd do.
A mortgage company reported derogatory information to the credit reporting bureau for a mortgage that doesn't exist. It is for a house that I am unaware of ever existing. 

I don't own a house. The house I did own I sold over three years ago,  was financed by XXXX, and was paid in full at time of the sale. It was old after I remarried, about 3.5 years ago. 

This Nationstar/Mr Cooper mortgage company claims I am {$7200.00} behind, and my payments are {$2400.00} on a home mortgage that does not exist. 

According to my XXXX  report, there were payments made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We are a middle class couple, and my husband is near retirement. We haven't been making mortgage payments on anything except my husband 's house. He is the bread winner, I am stay at home due to XXXX. We don't even know where this " supposed '' house IS! 

He called ( recorded the call, which is legal in Texas ), and spoke to an XXXX XXXX, who wouldn't do anything about it without my Social Security number, which my husband refused to give him. Then Mr. XXXX transferred the call to his " esculation department '' who never answered the phone.
XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are Ally Financial, XXXX, XXXX XXXX and XXXX XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX XXXX.
Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
I GOT A CALL SAYING I OWED XXXX BY A DEBT COLLECT EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
I have contacted XXXX, Equifax, and XXXX in XXXX, and XXXX 2017 to remove in accurate information.
Under the new law effecti e XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
I took out a title loan from XXXX XXXX XXXX of XXXX XXXX XXXX, CA i fully paid it off the still months later no title or pink slip sent to me so i went to XXXX they told me that company is notorious for keeping pink slips even after they are paid off.
I ask Well 's Fargo to stop putting me on the over draft " protection '' plan. Each year they take me off, they take me off, then the next year they put me back on it and charge me. It 's not protection and its false advertising.
I had applied and was approved for the XXXX XXXX XXXX XXXX with the ability to earn XXXX XXXX points after spending {$1000.00} in 90 days. I have completed the spend requirement along with paying off the card. My first statement shows that I am owed XXXX XXXX points. It has been almost two weeks since this statement has closed and both Barclaycard and XXXX refuse to give me a straight answer as to where my points are and why they can not link my card to my true blue account. I have spoken with both sides and not one can give me a straight answer other then they are holding over XXXX points that I rightfully earned hostage.
I received word from XXXX that is was time to recertify my IBR plan. I chose instead to enter a standard repayment plan. The change was processed by the servicer and I was given a month of administrative forbearance. 

On XX/XX/XXXX, I received an interest capitalization notice stating that {$280.00} would be capitalized if not paid by XX/XX/XXXX. Today I logged in to make that payment to prevent any capitalization and in my payment history I noticed that interest capitalization took place on XX/XX/2019. 

You can see from my other attachment that I did not receive any other notices about interest capitalization and I am confused about why this would occur a month early with no notice.
I have disputed information on my credit report about an unpaid bill from XXXX. XXXX has failed to provide proof of the bill, but the report is still on my credit report.
The reason for my complaint is that I have been a victim of identity theft and apparently XXXX XXXX Bank, XXXX Bank, and XXXX XXXX XXXX. These institutions have reported Fraud Activity to Early Warning Services and this has prevented me in being able to open a checking account. I contacted Early Warning when directed to them with my Financial institution that brought to my attention the reporting that is showing on the early warning report. I need this removed from my early warning file. I have provided and attached a police report that has been filed with the XXXX County Sheriff 's office. I am asking for this to be removed immediately.
I have a car loan with consumer portfolioand my loan has not went no where. I have had the vehicle for almost 3 years now and they have been charging me alot of late fees. I have had different car loans in the past and they give you a 30 day grace period to pay your loan. When I got with this company I was not told about this. I really feel they are ripping me off and I do not want to be under them. I understand I have been late but its how my payday falls and they been calling my job harrasing and everything. I know they are ripping me off