WillisBack/dataset-financial-user-claim huggingface dataset:
Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Quicken Loans misapplied extra payments I made on my mortgage. These extra payments should have been applied to principal. After raising this issue with Quicken Loans, they sent me to a debt collector.
I have written to the original credit who is   XXXX   XXXX   XXXX   XXXX   The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but   XXXX   XXXX  ,   XXXX   XXXX    or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by me.
I opene d a Barclays Aviator Red MasterCard o n  XXXX   XXXX ,    2017. Ba  rclays cla imed that I would be able to upgrade  my Aviator Red MasterCard to an Aviator Silver MasterCard 90 days  after opening the card.     I calle d Barclays o n  XXXX   XXXX ,  2017 and  was told that the card was n't 90 days old y et ( even  though it wa s ) so  I needed to call back after my  XXXX  statement closed for the system to reflect the age of the card. I thought this was odd, but called back tonight and the person I talked to and their supervisor said that the card ca n't be upgraded and that offer is n't available.     Basically Barclays lied. I 'd like the card upgraded to  a Silver MasterCard, o r I 'd like the account closed and the inquiry removed from my credit report for this false advertising from Barclaycard!
U.S BANK FAILED TO REMOVE THIS ACCOUNT NO # XXXX AS PROMISED in several LETTER. PLEASE RE-DELETE XXXX XXXX XXXX ACCOUNT FROM her XXXX CREDIT REPORT TODAY. THANK YOU.
My name is XXXX, On XXXX I made a Western Union transfer in the amount of {$1000.00}, to my father XXXX residing in the city of XXXX, in the XXXX. When I made the Western Union money transfer, the clerk who assisted me gave me a receipt with a unique tracking number ( receipt attached ). I communicated the Western Union tracking number to my father who was surprised to find out that he could n't pick up the money I sent him. The agent at a local Western Union agency in XXXX informed my father that the tracking number did not have a transaction associated with it, and advised him to contact me in order to confirm it. I confirmed that the tracking number was accurate, and I called the Western Union customer service line to inquire about the issue. The agent I spoke with informed me that the money was picked up at Western Union agency in XXXX, by an individual who presented an I.D card and the right tracking number. I mentioned to the agent that whoever withdrew the money was not my father, and that I suspected a case of fraud. I asked for the reimbursement of my money and fee paid, but the agent said Western Union would conduct an investigation that would take up to 20 days prior to determining whether I should be reimbursed. 
I do n't think that it is fair that we, the customers, have to pay the penalty for a faulty system. I have paid for their service, but Western Union failed to deliver. Western Union not only failed to deliver the service it promised, but has also created an inconvenience for me and my father by making us wait more than 20 days before we could have access to our money. 

Respectfully, XXXX.
The lender denied this file in XX/XX/XXXX and still has not provided a denial letter for the appeal process to be entered - we have submitted a loan mod package for review on XX/XX/XXXX and it was denied by XX/XX/XXXX due to the sale date being XX/XX/XXXX and not having 37 days prior to sale to review the package - the lenders reason for denial in XX/XX/XXXX was They stated income showed client could n't afford the home or repayment. XXXX payments behind as of XX/XX/XXXX according to the calculations we entered : loan payment = {$650.00} income used for denial review XXXX = {$2200.00} dti = 28 % affordable - We are disputing the fact that the client does show the affordability to maintain a current pmt once modified. we feel the lender did not calculate the income vs expenses and DIT correctly - the appeal process should be granted and the time allowed for this to be reviewed prior to any sale date occurring.
XXXX XXXX company is attempting to collect on a debt that is past the statute of limitations in my state of Louisiana and they refuse to validate the debt, refuse to stop calling at inappropriate times and refuse to remove this damaging remark from my credit reports. I've written several letters asking for their license to collect in Louisiana and they never respond.
I received a letter in the mail on XX/XX/18 from Alco Collections, INC stating that I owed a debt of roughly {$2600.00}. The letter stated that I could dispute the debt within thirty days of receiving the letter. On XX/XX/18, I mailed a letter by certified mail disputing the debt owed. On XX/XX/18, I received an alert to my XXXX, XXXX, and XXXX credit reports that the debt from Alco Collections has been added to mine and my husband 's credit reports. Today is XX/XX/18, and I have not received any further information about the debt in question. I have the original copy of the initial notice of collection from Alco Collections, the copy of the receipts from the United States Post Office showing that I mailed a letter by certified mail, and a copy of the letter I mailed requesting Alco Collections to validate the debt in question. I will be more than happy to provide this information at a later date if deemed necessary.
I 've got several fraudulent charges on my Discover Card. Some of the charges I was able to dispute online and some I could not. So, I sent them several letters about my disputes. They claim they have not received the letters and I should call about the dispute. I ca n't call because I 'm XXXX. I ca n't use relay services and I do n't have any family/friends nearby. It 's absolutely ridiculous that they ca n't look into my disputes without a phone call. There are XXXX large fraudulent charges I was unable to dispute online and they 're giving me the runaround about them.
I called Hospital to set payments on my account, the lady said unless I come up with {$1000.00} up front she couldn't set up my payments. Well I do not have that money but I started to make payments on my account monthly anyway. Even then Hospital sent me to collections with not advice or anything. 
Please help. Thanks
I am working with a bill lowering and monitoring service - XXXX - and Capital One will not allow me to let them access my account to look for unwarranted charges or subscriptions that I do not know about.
There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/16 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
I paid XXXX doctor 's bills for services rendered and after the payments were received the doctors office/health group changed their processing company and lost record of my payment. They then reported me to a collection agency as unpaid and my credit score has gone down significantly. The collection agency has given me XXXX amount that was owed ( {$170.00} ), while the doctors office and the medical billing have given me XXXX different amounts each ( {$140.00}, {$120.00}, {$40.00} and {$340.00} ....??? ). I 'm still not clear the original amount owed. I have called the collection company and the medical billing, as well as the medical office and my insurance to make it clear I had already paid. When I finally got a hold of someone who can actually help ( which takes hours! ) they admitted the mistake and said it was an easy fix. The first time I was told this was XX/XX/2015. Since then nothing has been done. I called again spending hours trying to track down the correct person to speak to and again was told they saw the notes on the account and it 's an easy fix, they said they would update the investigation and expedite it. That was 5 months ago and the delinquent marks are still on my credit report as unpaid. I 've spent a lot of time and energy being mindful of my credit, I do not appreciate these people admitting the mistake but doing nothing about it. I do n't know what else to do and I need your help. I 've attached the checks that were paid to both medical groups as well as the check to pay the doctor directly. This is on top of the {$100.00} I paid in the office upon check out for a total of {$290.00}. I do not think my credit score should suffer due to these mistakes which I have no control over. Where do I go from here? 
Thank you
I got a loan from lend up XXXX dollars till my next payday they would withdraw XXXX and some change but for some reasons I get a call from my back fraud prevention center something about XXXX XXXX and they had ran this 9 times is XXXX dollars. I Thinks company is a scammer or some not legit XXXX And some strange reason they sent me a txt messages regarding this account from this number XXXX thats not happen accounts are discuss I know this company have several financial lending and collecting practices.
I purchased a 2011, XXXX XXXX from XXXX XXXX XXXX. They shopped around and obtained a loan through Capital One Auto Finance. The terms of the loan were that # 1. I must purchase the Auto Warranty ( {$2200.00} ) or the deal would not go through and # 2. The selling price including the warranty was {$18000.00}, the interest was 19.79 %. Before I made my XXXX payment on the vehicle I received a letter that stated I owed an additional {$280.00} Plus dollars. I am charged a daily interest rate that I was not informed about of {$9.00} per day. This interest negates my monthly payments. I am charged this interest whether I pay before my due date or not. My payment is due on the XXXX of the month but I pay usually on or about the XXXX except for the month of XXXX. I wanted to see what they did regarding interest. Surely this is a predatory loan. This loan is also forcing me to take out GAP insurance as added protection in the event of loss because I am sure I am or will be upside down on this loan as a result of the forced Warranty, the high interest rate and the daily interest. Below I feel that XXXX of the issues apply to me but I can only pick XXXX, they are : Shopping for a loan, Taking out the loan and Managing the loan.
Citizens bank overcharged me on overdraft fees. Starting with XXXX I was charged an daily overdraft fee of {$6.00} however my account had a direct deposit of {$1600.00} therefore it was not in the negative that day and no document indicates if it was n't brought positive by a specific time the people day that they can charge a fee ( example XXXX the prior day ). This also was the same case on XXXX so with that they owe me back {$13.00}. Next citizens bank charged me {$6.00} on XXXX for my account going in the negative on XXXX however XXXX was not the third business 's day so they owe me another {$6.00} back. Lastly, on XXXX and XXXX I was charged a total of XXXX {$35.00} overdraft fees however only had XXXX transactions to make my account in the negative so they overcharged me a {$35.00} fee. Citizens bank owes me back {$55.00}. You all should audit this bank as I read articles of them overcharging customers with fees. I want my money back.
This is in regards to 2 accounts that I have with XXXX XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX  lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
Hi I am writing you this letter in regards to a collection account that appears on my credit report. The account that I am having concerns about is the American Credit Acceptance Account well first the account is reporting incorrect information as far as the balance on the account which is reporting that the balance is In the amount of {$13000.00} as of XX/XX/XXXX now the original amount of the debt was in the amount of {$6300.00} now with all of that being said back in back in XX/XX/XXXX of XX/XX/XXXX this particular item was disputed on all three of my credit report and was removed onXX/XX/XXXX. Just recently was checking the information on my credit report and I am noticing that the account with American Credit Acceptance was put back on my credit report and with an higher amount than the original amount without my knowledge.
this is not a duplicate dispute. I asked the equifax agency to delete a telecommunications collection from my account which violating FDCPA law which is 4 years for all collections. this account is from XX/XX/XXXX. there are 5 different dates appearing on this account and NONE of them are correct and no there information is valid or available. Equifax claims this was verified to be mine as a " credit '' account ... .this is a TELECOMMUNICATION COLLECTION, NOT AN EXTENSION OF CREDIT. date of last activity is inaccurate, it says delinquency first reportedXX/XX/XXXX, date opened XX/XX/XXXX date reportedXX/XX/XXXX and then again it says date of first delinquencyXX/XX/XXXX. None of this is legal nor does it make any sense to me.

This account is damaging : it looks like a credit account, it says collection account, it has re-aged dates and no information at all on anything else. so a XX/XX/XXXX account was delinquent inXX/XX/XXXX and still reported inXX/XX/XXXX? Senseless.
Navient has used XXXX different phone numbers in attempts to contact me since XXXX XXXX. Many numbers have called repeatedly. When the numbers are called back they are reported as not in service. 
Navient has also contacted my employer after being told that is not permissable. 
They have sent fax requests for information when they were told this was not permissable. 
They have threatened legal action. 
They have offered 'solutions ' via email but refuse to provide any additional information via email when requested. They state they can only speak over the telephone. 
Viable information that Navient does in fact negotiate via email and offer deferrment and/or forebearance via email.
On XXXX XXXX I checked my account and there was an available balance of {$800.00}. I checked later that evening and no transaction was posted. On XXXX XXXX, I signed into the account and realized I was - $ XXXX # XXXX was posted and that brought my balance to the negative. On my way to work, on the 31st, I stopped at Wells Fargo ATM machine, deposited {$360.00}. I called Wells Fargo customer service, explained that on the 30th there were no pending transaction for {$920.00}, I only say it posted the morning of the 31. The agents said she did n't see any over draft fee posted. Later on during the day, I got hit with over draft fee of {$35.00}. I called Wells Fargo explained to them numerous times, even spoke to a supervisor ( very rude and unprofessional ). All am saying it was n't my fault that I over draft, the check did n't show pending and I did n't see it pending on the 30th. I was told no. I think it is unethical the disgusting way Wells Fargo robs it 's customers. All am asking is to wave the fee or at least give half back. I am a struggling mom, trying to make ends meet. Very disappointed in the service.
I was charged and paid a fraudulent fee. My loan was transferred another mortgage company at the end of XXXX have had nothing but issues. I had to get my lawyers involved to rectify the errors in my account. 
When I first received information from the new mortgage company back in XXXX the statements showed I owed {$27000.00} and that I had not made payments in the last year. I do n't know whatinformation they received from the old transferring mortgage company, but I do know that I sent the new mortgage company, the court documents stating the terms to the loans from my bankruptcy that was discharged XXXX 2015. I made payments on time and monthly to the old mortgage companyaccording to terms of the agreementby the courts since XXXX 2015.There was no change to my accountafterI sent the information to the new mortgage company.So, thenI had to get my lawyer involved and they sent all thedocuments showing the court agreement and proof ofpayment since XXXX XXXX! 
XXXX, I received a monthly statement showing Iowed $ XXXX the statement there was no breakdown of why the payment was more than the monthly payment. I asked my lawyer and they thought it was due to increase in escrow. So, I paid it to avoid any late fees.When I got my statement this month is shows the extra money I paid was not for escrows but for fees. It does not state what type of fee. I should never of been charged any fees of any sort. I have made every payment according to court documents and have provided proof of payment. I called the new mortgage company. The told me they were foreclosure attorney fees. This fee is a fraudulent charge. I contacted my lawyers and they said I should not have received any fees and we can take both the old and new mortgage company to court to get the fee back and for getting my information incorrect from the beginning. I am already incurring lawyer fees to errors that were made from both bank.I should not have received any fees from the bank. XXXX companies are in violation of the confirmations order and discharge order in my bankruptcy. I have followed everything byagreement with the courts. I should not bepayinglawyers to fix errors by your bank! The terms for the loan are very clear in the court documentation. I am requesting the {$670.00} to be refunded back to me as it is a fraudulent charge. I do not have that kind of money to just throw away and expect better from our system. I have called and spoke to numerous people I have emailed them. I 'm so frustrated as I have worked hard to repair my hardships. The only way to rectify this is to pay more money to take them to court. This is criminal. I am a single mother who is law abiding and I am looking for some support as I feel I have become a victim of the system. They also are in violation of the agreement by not reporting to the credit bureau the payment that I have been made for the past 13 months. I am pleading with you to help me rectify this situation. I can not afford to hire lawyers as I already hired them. It is not right that these mortgages companies violated and continue to violate these court orders. This is affecting my lively hood and my children.
Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for an unpaid debt with an apartment complex. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to retail merchant association and letters sent out to the company, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine, only a statement saying that its mine. no evidence whatsoever. I also sent a letter via USPS to all reporting credit bureaus regarding this matter. I have yet to receive documentation proving that this debt is indeed mine.
XXXX XXXX first called me representing XXXX XXXX XXXX. XXXX aXXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX The address didn't exist in XXXX XXXX, XXXX, or XXXX XXXX. It's a vacant lot and building on XXXX XXXX. So he threatened me with court and jail. The more questions I asked about the company the angrier he got. So eventually he said XXXX was the original debt but not to call them, to handle it through them. I refused. I then called XXXX they sent the debt to XXXX XXXX XXXX XXXX. U called them. They sold debt to XXXX XXXX XXXX. I called them at XXXX and talked to XXXX. I set up payment. I then forgot about it and see when the went to withdraw funds it wasn't there ( Friday XX/XX/18. So today XX/XX/18 XXXX XXXX calls from XXXX. He says he is from XXXX XXXX XXXX. XXXX XXXX XXXX, Ga. He again threatened me with court and jail. So I said why aren't you calling from an XXXX number. He got angry again. Said to call back XXXX. So I did. Company at that number is supposed to be XXXX XXXX and spoke with a XXXX again. Who had no physical address to give me. She says she sent an email. I haven't received yet. I feel all companies involved are scams. Not had supervisors. And no company let 's you talk to the same people when you call an XXXX number. So as far it seems this person XXXX is directly working with XXXX XXXX.
I was the subject of a Confession of Judgment entered in a XXXX court. I have no assets or other property XXXX. I reside XXXX and bank with XXXX XXXX Bank XXXX. The judgment creditor did not domesticate the judgment XXXX but merely served it on a XXXX XXXX Bank branch XXXX who froze my account. XXXX XXXX indicated that the National Banking Act does not require the judgment creditor to domesticate the judgment XXXX in order for them to freeze my account XXXX. I forwarded them information relating to the National Banking Act and how State Debt Collection laws are not preempted. XXXX XXXX ignored my information.