WillisBack/dataset-financial-user-claim huggingface dataset:
Ronald H Reynolds replied back to the CFPB on XX/XX/18 Complaint number XXXX with he by his own words stated he mail out information. Ronald H Reynolds tells one lie after another lie even with his own letter sign by him stating the creditor called the account back as to XX/XX/2018. If your not on the account and the creditor called the account back why are you responding back as your solving the issue when by your own words is not the attorney and on your letter you clearly stated the attorney that will be doing the case. Ronald H Reynolds needs to stop contacting me being he is not on the case and the creditor has called the case back. please stop telling lies and playing games. It appears to me your hard up for money and one lie after another.
After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On July 17 I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.
Malen Associates must report the XXXX XXXX debts as having balance of " XXXX '' TO THE XXXX CREDIT BUREAUS. When XXXX XXXX hired Attorney Firm to collect their XXXX credit card money THAT I OWED THEM DUE TO DEFAULT AND MY UNEMPLOYMENT, surely XXXX XXXX has agreed that the Reporting Power to the CREDIT BUREAU will be given to the Attorneys, and XXXX XXXX would not FURTHER damage my credit. It seems that Malen Associates collected their fees from XXXX XXXX and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. 
HERE IS MY CASE : In XXXX, XXXX XXXX Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired Malen Associates LLP ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. XXXX XXXX was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with Malen Associates. 
In XXXX XXXX, I negotiated the terms of my XXXX XXXX XXXX credit cards debts with Malen Associates attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with Malen Associates who had the agreement of XXXX XXXX, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, XXXX XXXX HAS AGREED to this terms. 
As of today, My XXXX XXXX BANK Account Number : XXXX .... and XXXX XXXX BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, XXXX XXXX XXXX reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through Malen Associates Attorneys, and received letters from Malen Associates for the complete clearance of the credit cards with XXXX XXXX Bank. 
WHY DOES MALEN ASSOCIATES ATTORNEYS OR A LAW FIRM FOR DEBT COLLECTION ALLOWS THE XXXX XXXX false statements that I have unpaid balances? As of XXXX XXXX the balances are " XXXX '' and Malen Associates sent me a letter of clearance. WHEN XXXX XXXX is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE. SUCH ACTIONS ARE PERMISSIBLE BECOUSE MALEN ASOCIATES ARE INVOLVED IN NEGLIGENCE COLLECTION PRACTICES AND UNFAIR, NO correct REPORTING or no reporting atall.
In XXXX of 2015, I applied for a XXXX XXXX Bank credit card and I was denied due to the bureaus not providing a credit score. Based on XXXX XXXX Bank criteria, certain information to make a determination for approval for credit was not available to them to make a decision. This decision has hurt my credit tremendously. Attached are relevant documents for this bureau to review and update their information.
There are items on my Equifax report that are not accurate and is preventing me from having a XXXX FICO score. The following include : 1. Negative Account Information : XXXX Card that dates back to 1987. This should have been removed from my profile. 

2. I have been borrowing money for the last 30 years with the bulk of the borrowing coming in the last 5 years and still events from 30 years ago are factored into the FICO score.
what has happened I had a checking account with XXXX my auto insurance XXXX when in to my bank account and automatic debit my payment out I believe it was for XXXX well I do n't have overdraft protection. XXXX XXXX paid XXXX XXXX any way so when I got the notices I called to make a payment settlement to pay this debit back to them my brother had a XXXX and I had to relocated with him and was out of work but I called XXXX XXXX and we agreed on a payment arrangement and I paid it off. but they then reported me to early warning system CONSUMER ID XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Afther I paid them so I can not open a bank account any were and on top of that they but it with a collection services name XXXX XXXX XXXX XXXX XXXX, ma XXXX file # XXXX pin # XXXX for XXXX that was unfair I am in dispute with XXXX but XXXX XXXX lied to me I paid them and this is what they did I asked them not to put it in collections I will pay it it was a hardship for me but they broke the deal and put it in collection and early warning system making it so I can never open a bank account again if you can help I will be thankful XXXX XXXX XXXX
Payments are coming out of my XXXX XXXX Account every month but yet the company say 's that they are not getting my payment yet my bank statements show 's all the payment made and the company have been giving my credit a bad ratting. I have faxed all of my proof to the company with my bank statement 's yet the company is still going to close the account and give my credit a bad rating. total amount {$1000.00}
Ocwen has taken several payments and took over 3 months to refund them they take more than the payment due each month and then call multiple times telling me i am not current i have contacted managers and no response i have had over XXXX issues with this company and no resolve
Roundpoint mortgage sent me a check. I called they said keep it. Later they wanted it back. I agreed to repay monthly over 5 years even though I shouldn't have had to. I have done what I said, never missed a payment in 7 years. They have charged me almost 300.00 a month in fees and when I confronted them about it they sold my mortgage to XXXX XXXX. So now I have a XXXX deficit in my Escrow because they applied the repayment of the check the wrongfully sent me to fees we never discussed. This was their fault. They have been fraudulently servicing my mortgage for a long time. I believe they did all of this on purpose to be able to charge me a bunch of fees. I have around 100,000 dollars in equity in my house and I'm sure they would love to forclose on it since I only owe XXXX. I am on a fixed income, I have kids with XXXX and I believe they prey on people like me. I can't imagine all the other people they are taking advantage of.
Commonwealth Financial Systems , Inc. of XXXX XXXX, PA had sent me a collections and verifications notice as to an unidentified debt for a physicians service of which is unidentified and unknown to me. 

I have responded to the 30 day letter disputing the matter however upon checking my credit reports they have posted negative marks against me as to collections. The date of their notice is XXXX XXXX, 2016 and the derogatory credit posting is XXXX XXXX, 2016 almost 30 prior to contacting me. This is in full violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) since I have disputed the claim and requested validation. This agency has violated sub section as to reporting inaccurate information as to credit reporting agencies even prior to contact me as to the validity of the information.
This is the last and final chance for you. 
This Legal Proceeding issued on your Docket Number XXXX with one of Cash Advance XXXX. The company in order to notify you that after making calls to you we were not able to get hold of you so the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 
case File # : XXXX Loan Amount : {$300.00} Amount Outstanding : {$790.00} Settlemen Amount : {$400.00} You are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. 

XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you found guilty into the court house then you have to bear the entire cost for this law suit {$6300.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you, we believe that this was not your intent and that these steps are unnecessary. 
IF YOU WANT TO RESOLVE THIS MATTER IMMEDIATELY CONTACT US.
I received a letter that said I owe XXXX dollars to XXXX on XX/XX/2019, and the company collecting is Convergent. I do not owe anything and my XXXX account is in excellent standing. I have never owed XXXX any money before so this is a false debt.
On XX/XX/XXXX and XX/XX/XXXX my checking account with Chase Bank was the subject of fraud. Chase alerted me to the issue via text on the night of XX/XX/XXXX. I called the fraud hotline to have me debit card frozen and the report XXXX additional transactions I did not make. On Monday XX/XX/XXXX Chase removed XXXX charge that was not authorized from my account and reimbursed XXXX of the remaining fraudulent charges. They have refused to refund the remaining XXXX charges claiming they were not part of the fraud. As all XXXX interactions I 've had with Chase have been on the phone I have no documentation and when I requested written documentation from Chase they have refused to provide it. Their refusal to provide written documentation and the obvious outsourcing of the Fraud Center is concerning. If a large bank refused to help protect the consumer after a fraud breach it makes it very difficult to deal with the issue.
This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.
My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.
I have a BP credit card that was serviced by XXXX XXXX, I had no problem during the entire time I have used the card. The card was transferred to Synchrony Bank. I set up auto pay for the full balance on Synchrony 's site but as the due date approached I could n't see that an auto payment would occur so I made a manual payment for the statement balance. The auto pay was also deducted. I called Synchrony to have one payment reversed and was told I had to provide a bank statement from my bank showing that XXXX payments had been made! Synchrony bank claimed that the refund department had no way to see a duplicate payment and they expected me to provide proof of a duplicate payment! The agent also said that I could NOT have a payment reversed as there had been charges made on the card after the statement closing date and I could only receive the excess after my current charges were deducted.
I paid for a product from XXXX and i was scammed by the merchant. I returned the product and contacted Capital One to dispute the charge. I was told that i had consumer protection for charges such as this. Capital one refuses to refund the charges stating that the tracking number for the returned product is not enough. I feel defrauded by Capital One and the scammer merchant. Where is my protection from fraudulent charges?
We enrolled in autopay for a used car loan from Bridgecrest on XX/XX/2018 for a car loan with the first payment due on XX/XX/2018. The company website set the first payment for XX/XX/2018 without making us aware that it would mean that the first payment would not be made. They called me when the loan was past due and said that they couldn't autodeduct the payment because there is a 2 week delay after signing up. Then they charged me a XXXX fee for paying over the phone by checking account. All information they had in the autopay registration from XX/XX/XXXX. This practice must be to gain extra fees and interest from late payments because it does not take 2 weeks to set up an autopay and even if it did the registration process should state that the payment will be late and provide alternatives to make the payment by the due date.
In XX/XX/XXXXI took out a student private loan ( XXXX XXXX ) to get thru the struggles of financing school and being on my own. Although I do understand the amount and responsibility I had to repay the loan, the banks had made IMPOSSIBLE to pay back. I make every monthly payment, never late. Once I Finish paying the interest and start on the principal the Banks sell my loan to another company and now I am tied to another interest where I now have to pay another bank ( AMERICAN EDUCATION SERVICES ), I started paying them in XX/XX/XXXX and now that they have collected their interest, They now have sold my loan to ANOTHER BANK ( XXXX  ) and NOW I OWE THEM INTEREST!!! WITHOUT EVER paying the PRINCIPAL!!! I Am ANGRY THAT THE SYSTEM IS a FAILED BANKING LOAN SYSTEM, they should REALLY be CALLED the FRAUDULENT and PYRAMID SYSTEM. I have now PAID DOUBLE WHAT I BORROWED AND HAVE YET TO PAY DOWN THE PRINCIPAL!!!
I got  Macy 's  store card in  XXXX  and made purchases on  XXXX   XXXX  and  XXXX . The credit card arrived late and I could n't make the payment. However, after lot of struggle, I was able to reach th e Macy 's   customer service personal who activated the card for me and then made the payment. This was on  XXXX   XXXX . I asked to pay all the bills in the account.     To my amazement  , i got another bill for  XXXX  and I tried several times but I could n't add my card. I reached out to Macy 's customer service via  XXXX  who promised me that someone will call and reach out to me but that never happened. When I tried calling their customer service, I was asked to create paybyphone account.
Now that I have crossed the deadline, I am getting charged late fee and it will hurt my credit score. I do n't need Macy 's credit card and all i want is to pay the fees and get done with it.
The coat I bought from Macy 's still has the security pin in it. When I reached out to them, they have said no for return. As I am traveling and in  XXXX  now for school, I am unable to go to my local store to get the pin removed. I do n't know if the actions are intentional because I am   XXXX   XXXX   or not. I have spent hours trying to resolve this issue.
I pruchase a years insurance with Original creditor : XXXX XXXX XXXX XXXX paid for a year upfront then XXXX months later they billed me for more i called them told them i paid the amount on my bill for a year they have no agreement with me for addituinal insurance but stil try to bill me for something i did not agree to then they cancel the insurance i paid XXXX XXXX for XXXX year and sent the additional bill for XXXX dollars witch i never agreed to now it shows as a bad debt on my credit report i never agreed to this or did i ask for more insurance they have not agreement or sign contract theat i sign for or agreed to in any form
I have contacted XXXX several times letting them know that they have reported the same bill twice to XXXX XXXX. Also the bill has been paid by Medicaid after contacting XXXX XXXX XXXX they claimed to have reported payment to XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Medicaid paid back to my XXXX on XX/XX/XXXX
On XX/XX/XXXX, {$8.00} was charged to my Chase account for a recurring monthly XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) which was terminated by the club and chase inXX/XX/XXXX. I contacted Chase to advise them that I disputed that charge by telephone and letter. My account was credited for the full disputed amount. I have again received a bill from Chase for the exact same amount dated XX/XX/XXXX.
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX
I was unable to pay back loan due to divorce and increased debt and same income. The debt was passed off to new company which advised that they sent me a letter in XXXX 2015. I had not received any correspondence until I saw debt on credit report which did not offer the 30 days time frame to dispute or make payment arrangements before the being reported to bureau. Upon seeing the debt I called the number on my credit report and the representative advised me that there is no opportunity to settle the debt. I advised of my situation and she said no. I called back today which I was able to settle the debt and be placed on a payment plan. Also, the lady I spoke with apologize and told me sorry about the letter but there should have been one sent XX/XX/2015 but she is nor sure why so she will send me an email version. I just received a validation of debt which if was received I would have avoided the credit bureau report and settle the debt since my financial circumstances was getting better a the time and I Had a new job offer which was going to pay more. With me not getting the provisions that the fair debt collection and credit reporting act afforded me this debt is now on my credit bureau and is negatively impacting my ability to possible maintain a security clearance which is needed to maintain or obtain other paying jobs. I am requesting that since the 3o days which was just afforded to me today was not given in XX/XX/XXXX that this debt be removed form credit report, especially since I have now made a payment arrangement that is set from my debit card.
My loan was sold XXXX 2017 from XXXX XXXX XXXX to Navient. At that time, my loan payment increased from {$150.00} a month to now {$250.00}. I 'm struggling with the increase in monthly payments as I have a wife that can not work due her illness of XXXX XXXX. I 'm XXXX years old now  and I 'm trying to save money for my retirement and at this rate, this will still paying my student loan in my retirement years.
In XXXX XXXX, I made an error and forgot about an automatic payment coming out of my account.. This overdrew my account ( BB & T ) - which my bank honored. They charged me a {$36.00} overdraft fee - which I felt was fair. I am on Social Security and SSI and only get my money on the 1st and 3rd of the  month - which was 2 weeks away., I was unable to " fix '' the overdraft in the " allotted '' time. I was charged another {$36.00} fee. I am tightly budgeted ( I get a total of $ XXXX to live on ) and every penny is accounted for. This additional fee caused my account to overdraw again. Another {$36.00} fee was charged. In the course of about a month - I was charged a total of 10 {$36.00} fees- or {$360.00}. I went to the bank and was told that they would not reverse any of the fees. Since I spoke to them, they have charged me additional and I am now close to {$400.00} overdrawn. I went to Social Security last month and told them that I did not want my payment automatically deposited into my account. I wanted a check. I was a little over {$200.00} overdrawn at that time.. I was told this would be done. I received my SSI check but my Social Security check went into my account - reducing the money I received by the overdraft. Again, no money to live on. Hopefully, Social Security will send me a check for XXXX XXXX.
Account # XXXX, XXXX, and XXXX To Whom It May Concern : Portfolio Recovery Associates ( PRA ) reported the above accounts falsely to XXXX, XXXX  and XXXX because of the following reasons : - PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an Type Of Account : Open Account on my XXXX credit report. 
and PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as Type Of Loan : Factoring Company Account on my XXXX and XXXX credit report. 

- With respect to the " Type Of Loan : Factoring Company Account '' notation on my XXXX and XXXX  report : I do not have any known type of agreement or contract in writing or otherwise with PRA or the alleged original creditor that creates or procures any type of Factoring of alleged monies owed, nor am I aware of any agreement or contract that PRA has with the alleged original creditor granting them specific rights to factor the alleged monies owed. In order for monies to be factored, the debt must be in good standing.
A collection account is showing on my credit report from XXXX XXXX. I have no knowledge of this company. I have never entered into a contract with this company. In a previously filed complaint against XXXX, I have requested written proof that I owe this debt. I request he name, address and phone number of the person that verified/validated this debt. I am requesting a signed contract showing that I have entered into some kind of agreement with XXXX XXXX. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
I 'm Filling a complaint stating this account is not mine I pulled my credit fill back in XX/XX/2016 disputing file # XXXX XXXX is the company this is not mine and I requesting that it be removed from my credit file.
XXXX XXXX is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.