WillisBack/dataset-financial-user-claim huggingface dataset:
This company is a 3rd debt collector trying to collect the same debt. That is not the problem, how ever they are calling me every other day and up to 5 times a week at different times a day and night. Every day, every week, every month since XXXX XXXX. Its a recording of the same information, " This is XXXX XXXX of MRS Assois, calling about a debt, please call XXXX '' then it hangs up. Since XXXX of this year. 

Before that, The XXXX debt collector was XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX back on XXXX XXXX, XXXX then the debt was giving or sold to XXXX, XXXX XXXX, XXXX, XXXX XXXX which was on XXXX XXXX XXXX Then again the debt was sold or given to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as of XXXX XXXX XXXX and now this NEW debt collector now has the debt. The debt has been sold, charge off, or given to other debt collectors for the past XXXX-3 years and i do not know who really is the REAL collector of said debt.
I have a line of credit with Care Credit for a XXXX bill years ago. I was not told at XXXX office I would be charged 26.99 % interest after their promotion ended. I have paid {$110.00} last month and {$63.00} of that payment went toward interest. Therefore my balance is staying the same year after year. I am at poverty level of income and can not afford to pay anymore than what I currently pay every month.
Received call from XXXX debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} American Express Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. american Express Account opened in XX/XX/2018 and closed in XX/XX/2018.
A guy XXXX continues to call at my work, from number : ( XXXX ) XXXX-XXXX, this is a fraud account and need to stop calling at my work office. 

He calls my number at : ( XXXX ) XXXX-XXXX
The World Omni Financial-Retail is reporting that my account was delinquent. The account was paid on time every payment. I even made one extra payment after they had the car back.
I sent in an Identity Theft report stating that accounts were not mine. The credit bureau refuses to remove this information.
Alliance Collection Agency received a bill to collect on me, which was {$1500.00} at the time, from my dr. /hospital. and they contacted me and tried to get me to pay them an amount I couldn't afford. Instead, I pay a smaller amount every month to them. The bill they send me is for the full amount every month since. I was notified the other day that Alliance took the {$1500.00} bill and broke it up into 7 smaller bills and reported them all to my credit report with the same dates of service, in otherwords, the same bill they send me every month with the full amount. They are sending little bills to the reporting agency and a huge bill to me. How shady is that? Is this even legal? Why would they do this to me. I might not be paying the huge amount they wanted, but I am paying what I can each month. Why would they do this to someone just to ruin their credit? What can be done? Please help.
ideal collection stepped in trying to collect a debt in an inproper matter and not and threatened to take legal action as if it were a suit. when im in a suit with XXXX as the defendant and em as a plaintiff for funds thats owed to me and slander on a contract leased and not delivering agreement back like should.
I contacted Transunion Regarding negative inquiries and they refused to help me were very passive and short. Not helpful at all and this was not resolved. I contacted them regarding the following negative inquiries : -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XX/XX/XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX
In XX/XX/2017 we had fraud charges on our credit card, we quickly contacted them and they flagged over 5 charges to be resolved. At that time we had an available credit of about {$3.00} and the card was not over the limit. Every month we have an auto payment of {$150.00} which is well over the minimum payment. In XXXX the card was still in the negative over {$400.00}, so we called to see why the charges werent resolved yet. They told us not to worry and that it would be a few more weeks before the charges would be removed. They said it was paperwork on their end and waiting for the fraud department to clear them. So we waited weeks and our minimum payment went to {$980.00} and our available credit was - {$520.00}. When we called on XX/XX/XXXX at XXXX we spoke with a customer service rep who could not help us at all and we could barely understand him. So we requested a XXXX who could actually help us. We were transferred to XXXX XXXX who said she was a XXXX, she basically said unless you can prove fraud charges theres nothing we can do and told us she was disconnecting the call?! I tried going through our statements and looking for the fraud charges but they werent on our account anymore. So I asked XXXX XXXX where the - {$520.00} in the negative came from because the charges on our statement doesnt equal {$520.00}?! SHE COULDNT ANSWER MY QUESTION!!!!!!!!!!!! Listen to the recorded phone call ... ... ..How can a company have an account that they cant describe the charges?! She acted like it was my fault it was on there. So I kept asking about what the charges were and she just said if theres no fraud I cant remove any charges. I concluded that these must be their FEES so I asked why they cant remove fees?! These FEES only occurred because we had fraudulent charges on our account!!!!!!! There is no way I couldnt taken the card {$520.00} in the negative so its obviously the FEES they are trying to charge me. My account was in good standing before the fraud charges, now they want me to pay {$1000.00} for my minimum payment. Such a slap in the face because we were the victims in this in the first place, now they are trying to charge late payments and over the balance fees that happened because of fraud. So are they trying to create fraud on accounts just so they can charge these FEES just to get over on people?! I mean XXXX XXXX talked to me like I was lying about the fraud charges because she said theres no report of any more?! She didnt know about the charges o she cant help?! Is this a matter of opinion here?! Is there any communication?! XXXX DOES NOT CARE ABOUT THEIR CUSTOMERS AND WILL ONLY TRY TO STEAL YOUR MONEY WITH BOGUS FEES THEY STILL CANT TELL ME WHAT THESE FEES ARE FROM!!!!!!!!!!! HOW IS YOUR XXXX GOING TO TELL ME THERES NOTHING WE CAN DO?! 
XXXX IS JUST A BIG SCAM!!!!!!!!!!
Last week I was victim of a vacation rental scam. After inquiring about the rental property being available on the XXXX weekend, I was told by the renter to submit a check for {$1000.00} to an account number he provided via email. On XXXX XXXX I brought the check to Bank of America to submit the deposit. I was informed at the time that the account was new and that {$850.00} would be available to the renter on XXXX XXXX. After returning home from the bank, I sent an email to the renter to notify that the check was deposited. On XXXX XXXX I received word from the renter that he had seen the deposit. I then requested a receipt and phone number but did not receive either XXXX. Later that day I had my son get on the XXXX website where I found the rental. He inquired about the property and received an email that it was available on the exact dates I just paid for. This obviously was a vacation rental scam. The next day I went back to Bank of America and told my situation to a customer service representative and he contacted their fraud department with all the information I had that included the contract, deposit receipts and website information. Since it was obvious that the rental was a scam, I asked that the check be placed on hold. Remember that {$850.00} was not going to available until XXXX which would give ample time for the fraud department to act upon the scam. Bank of America DID ABSOLUTELY NOTHING! They allowed the check to go through and I 'm now out of {$1000.00}. Because of this incompetence I have had to spend hours closing my checking account, filing a police report, contacting sure pay accounts, filing a scam report and spending time talking to your representative. Why have a fraud department if they 're not going to do anything?
i keep getting phone calls about my current debt i have none. I called them back when i missed and they claim a telemarketer hijacked their outbound line and are using it. they know nothing about calling me
Excessive interest rate paying 20.74 % interest rate I've had the credit card since over 10 years. Rate increased without proper notification over the past 5 years increases yearly. Monthly credit card interest is excessive and I paid more interest than I pay in mortgage. I have currently not made purchases over the last year. I have made complaints to the company. I'm afraid to make purchases because if I make a purchase that even increases my interest. All I want to do is just pay off the card and be done with it. The interest is too high so therefore I have to make monthly payments feasible to fit my monthly income.
I live I California and I was called at XXXX 5x back to back as well he threaten to sue me and kept harassing me
Capital One was repeatedly sending me credit card applications by mail. I finally called them about what they had to offer. After calling for information, I notice that they have hit my credit report with a hard inquiry!! I NEVER AUTHORIZED THEM TO RUN A HARD INQUIRY ON MY CREDIT REPORT. I have called them several times to no avail. They just keep stonewalling me with the " too bad, so sad '' routine. 
I have read reports online of them doing that to many, many other people. Why does n't some government agency put them on the red carpet and make them stop? 

Thanks so much for your help in getting this hard inquiry removed from my credit report.
I have sent numerous letters to Equifax requesting that the information reported by XXXX XXXX be removed from my record. I filed an identity theft report with the FTC and a complaint with the Michigan Attorney General. I requested that Equifax provide me with a description and person that they spoke with to verify this information. I contacted XXXX XXXX regarding this matter and they sent me a letter indicating that they were unable to locate any active or previous loan under my name ( attached ). Equifax has not provided me with a description of the process used by them to verify this information or who provided this information to them. I believe that by law I am entitled to be provided with that information by Equifax.
Hello, I am filing this complaint against Experian credit credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the XXXX accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.
I have not received a reply from Equifax as of today XX/XX/XXXX per my complaint filed with cfpb on XX/XX/XXXX. Also upon further personal investigation I have learned directl from XXXX XXXX that Ive been opted out of there system since XX/XX/XXXX. FULL OPT OUT. Meaning no one gets my information not even telemarketers. Therefore how was Equifax able to get any information on me from XXXX and per Equifax reporting date it says XX/XX/XXXX. Also why will Equifax not provide me with detailed verification information as to who they spoke with at XXXX, the method of verification, the day any time of the verification so that I may be able to check behind them myself without having to file suit against them being that this is my 4th request for this information
My complaint is with Bank of America to whom I have been banking with for at least 29 years. I am a  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   and business has been faltering for a number of years, due to changes in advertising, larger companies controlling the market and my inability to perform as I use to and income decreasing.   These circumstances required me to depend on my credit card use to make ends meet therefore producing a substantial debt that was difficult and almost impossible to maintain.   I contacted Bank of America on  XXXX / XXXX / XXXX  and explained my circumstances to a representative named  XXXX  and asked if I could enroll in a hardship payment program.   She connected me to  XXXX   XXXX  who told me that my payments were current and I could not be placed on a program and instructed me to call back in  one  month to see if I would qualify for another program.   I contacted Bank of America on  XXXX / XXXX / XXXX  and spoke to  XXXX   XXXX  and explained my situation and she told me that my payments were current and that I did not qualify for a program. I asked how could I qualify and she told me that I would have to default on three consecutive payments to be considered for a program.   So as  XXXX   XXXX  instructed me I made no payments on  three  consecutive payments months and then was contacted on  XXXX / XXXX / XXXX  by letter from the  XXXX   XXXX    XXXX   by  XXXX   XXXX  stating this is an important matter that I need to discuss with he and to contact her as soon as possible. I immediately tried to contact by the phone number she provided and her email address numerous times through  XXXX / XXXX / XXXX  with no response from her. On  XXXX / XXXX / XXXX  I contacted  XXXX   XXXX  and asked her if I would qualify for the hardship pay-down program. She took all my income and expenses in hopes that since T had missed numerous payments as instructed by Bank of america representatives that I would get some help. But  2  weeks later " I '' called back to see what the statis was and was told I did not qualify because the program would only lower my monthly minimum {$20.00} but lower my a.p.r. considerably but still I did not qualify because my income was too low.   I have had numerous correspondence trying to get some help but it seems to me that I have been getting the runaround and had also contacted a debt consolidation company recommended by Bank of America who told me that I did not qualify for their program because I have a monthly surplus of income?   They also withdrew " set back '' {$1700.00} from my checking account to cover past due missed payments with out my authorization.   I am at my wits end and would greatly appreciate your help for I do not want to declare bankruptcy and sine this occurred my credit rating has been devastated from a rating of  XXXX  to  XXXX .   I have  two  accounts with Bank of America, a personal account  XXXX   XXXX   XXXX   XXXX  owing {$20000.00} and a business account: XXXX   XXXX   XXXX   XXXX  owing {$15000.00} which I have already reported to the  Comptroller of Currency.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MA  XXXX   XXXX  XXXX  XXXX
I was having some problems paying my mortgage due to my husband being in an auto accident & unable to work. My mortgage was through XXXX. They sold my mortgage to BSI Financial. I was about 6 months behind in XXXX XXXX. My husband & I received a settlement from the auto accident. I took care of all of my delinquent payments plus put over {$18000.00} down on the principle. That took me through XXXX XXXX. I made my XXXX XXXX payment. On XXXX XXXX, XXXX my husband & I received several intent to forclose notices saying I was 9 months behind. I called BSI immediately & was told to disregard those notices that there is an error in the computer system but I am in fact correct I 'm current on my payments & only due for the current month. I was told that the problem could n't be changed in the computer from where this representative was located. However I was not given the information on who or where to call to have this problem resolved. The next day I received another intent to forclose letter. I called again & was told not to worry about it but it could still not be removed from their system. This has been sent to the credit burro cause our credit to have a negative mark.
Client had an account with XXXX XXXX. After receiving a free government phone, she added another line to the service, but when the fees turned out to be astronomical she cut off the services. She made as many payments as possible but the balance never went down. Now she owes a large sum of money to a collection company. That company has not validated the debt.
in response to CFPB   XXXX   XXXX    TODAYS   DATE  XXXX    XXXX ,   XXXX   XXXX   SOC SEC  XXXX    XXXX   DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX  To  Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods   Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key p ieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.    TODAYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC  XXXX   XXXX  DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX
The company is using other 's purpose letter to resolve these issue. This letter was never intended for vehicle loan verification and stop harassment since by California Law you're not supposed to contact me, so why would I stop calls for collections from a loan company? On the other hand, Why would I want to lose my vehicle and/or my loan thru Wells Fargo Dealer Services?. 
This letter was sent in response to Wells Fargo Checking and Saving accounts. My accounts were closed supposedly because I was overdrawn with money that the Bank posted on saving account when the check was presented for payment on checking account. Further details aren't necessary to share since this letter was only for that purpose and NOT to stop Wells Fargo Dealer Services calls and payments reminders, and so on. As you can see an error was made and I'm paying the price with late payments. Your crew should take serious responsibility with customers and don't forward letters to wrong departments and/or a totally different part of the Bank which is car loans. 

Attached files are the previous response. A response that was based on a letter that wasn't supposed to be forwarded to them. 

The previous request added below : I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and the company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all the help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.