WillisBack/dataset-financial-user-claim huggingface dataset:
This is a collection charge on a non existent debt. Their client, who placed the account with them, forgave the debt when their equipment was returned to them. They have refused to remove this from my credit in order to extort money from me. This is an unscrupulous company and should be fined.
I transferred {$2000.00} to my HSA account on XXXX/XXXX/16. It was removed by BB & T on XXXX/XXXX/16. I went to the bank XXXX/XXXX/16 & was promised that the money would be credited to my checking account. On XXXX/XXXX/16, it was not credited to any account.
hello ive recently put myself in a very stressful situation for no reason. i thought i got frauded by a company called XXXX for {$1900.00} on XX/XX/2015. turns out i do remember talking to them, those sneaky XXXX tried to sell my timeshare. i thought that i didnt realize the charge so called into fraud department of chase and said so, and i thought nothing was being done until i got a letter saying they were doing an investigation. i called into chase acouple times and never got anybody real after the initial call and i just wanted to tell them that IT WAS NOT FRAUD, as matter of fact i remember speaking to severly people from XXXX and they were actually pretty nice, hopefully they can get the job done soon,
1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that XXXX XXXX XXXX XXXX has conducted. I vehemently contest the assertion ( s ) made by XXXX XXXX XXXX XXXX that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that XXXX XXXX XXXX XXXX is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents XXXX XXXX XXXX XXXX & XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a XXXX XXXX XXXX XXXX has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. XXXX XXXX XXXX XXXX and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX service member, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if XXXX XXXX XXXX XXXX isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my military career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of XXXX XXXX XXXX XXXX? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX
I am {$35000.00} in student loan debt. XX/XX/XXXX, I  signed up for student loan forgiveness with a servicing company : XXXX XXXX. 
I was told my loan application for the Department of Education will be sent off for student loan forgiveness and I would be charged a {$190.00} fee for the initial start up. 

After, I would pay {$49.00} monthly, to have my student loan account oversaw at all times. 
I have since found out XXXX is a scam and a dishonest company. 
I have called them to cancel and they have told me I can not cancel and have to pay the full amount owed to them, to settle payment. 

They took out a {$49.00} fee from my account XX/XX/XXXX and XX/XX/XXXX. 

The initial company that contacted me with XXXX has told me several times they sent XXXX a cancellation email regarding my account. The latest time was XX/XX/XXXX. EA has continued to send me emails stating my payments are passed due and if I do n't make payments soon, they will put derogatory marks on my credit score. 

I realize that student loan consolidation is something I can do on my own and they do not get student loans forgiven, as told. 
I am awaiting to hear back from the initial company to confirm XXXX 's response regarding my cancellation. However, the initial company told me if XXXX cancels my account, I will still have to contact them about cancelling my finance contract. I will still owe XXXX and this will affect my credit. 

I want to know what my options are. I am not letting XXXX get away with scamming individuals. I see their reviews online and they ALL express the scam in this business. 
What business emails clients and threatens them?? 
This is absolutely absurd and I do not believe I should be penalized for wanting out of a scam. This company needs to be shut down and legal action needs to be made against them.
XXXX XXXX XXXX is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. XXXX account number is XXXX. This is the same item that I disputed and filed a complaint in XX/XX/XXXX Re : CFSB Complaint # XXXX ... Commonwealth Financial Systems. I sent an email to XXXX XXXX on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.
Experian report # XXXX Collection account : XXXX XXXX XXXX # XXXX Amount owed : {$1500.00} I have tried to dispute an item on my Experian credit report for more than 6 months. Every time, Experian came back that the information has been verified. Even tho I could not get the collection agency to verify this information to me but since this said collection account was almost 7 years old, I decided I would wait until XXXX 2017 and have this account fall off my report. I called Experian towards XX/XX/XXXX to confirm when exactly in XX/XX/XXXX this information would fall off, and their rep advised on XXXX XXXX, 2017 the collection account would be removed from my report. Here it is now XX/XX/XXXX, this said collection account is still on my credit report and Experian is not allowing me to dispute something they are legally suppose to remove. They even removed the dates pertaining to this when this account would fall off to show it as more recent than it is. I will attach an old report and the most current dated after they advised they would removed this account
I have requested verification and validation of this debt and this company refuses to provide. I also disputed on my creditreport and this company never could answer my dispute. Now they have put this back on my creditreport under a different amount i do not owe.
Transunion, XXXX are reporting false information ; and when I questioned their investigation that immediately sided with the creditor I was told that the creditor is their customer, and under contract. Therefore, they must take the side of the creditor which is in violation of the fair credit reporting act,
This agency is reporting my employer as XXXX - this is incorrect, remove the information at XXXX! I am employed by XXXX XXXX and I DO NOT WANT THIS LISTED.
XX/XX/2018 enhanced recovery company claims XX/XX/XXXX I owe XXXX {$790.00} but I've had this debt long ago. They never contacted me through mail in an attempt to collect this debt and give me an opportunity to dispute this debt. They did how ever hire someone to harass me at my workplace to get a hold of me. Which I thought was truly disrespectful and unprofessional
We appreciate your help with this matter. The bank involved is BB & T branch located at XXXX Ky. XXXX. We have a business check card connected with the account. We went over the amount of funds in the account. The amount that was overdrawn was {$8.00}. 
There is no overdraft protection associated with the account. We feel that since the business check card is a visa, they should be able to not allow the card to be used and go over the amount of funds in the account. BB & T bank continues to add fees to the {$8.00}. 
As of XXXX/XXXX/16 the amount of fees added is {$220.00}.! We emailed BB & T bank to request closing the account and that we would send them the overdrawn amount of {$8.00}. They replied that we could not close the account until we went to the branch in person to do so. We sent another email explaining that we had moved out of state, and that it would not be possible to go to the bank in person. In the meantime BB & T bank continues to add their fees. We hope that you may be able to help us and that they will change their business check card policy.
On XX/XX/XXXX The company contacted my home, my job, my mother and my grandparents house leaving voicemails saying if I did not call them back they would be serving me with Legal papers at my place of employment. On XX/XX/XXXX They contacted my job again saying they would serve me with papers at my job if I did n't take care of this. I asked what company he was callimg from and he said the bcl, I told him I never heard of that company and he said it was from a loan I had from XXXX. He stated they were willing to settlw the debt for a lump sum payment of over {$600.00}. I let him know I could n't do that. He then stated I could pay {$110.00} every other week until that debt was paid and proceeded to ask for bank account information. I aaked him to send me a letter of validation since I have never received anything reguarding this debt and he sent me a email that was very fishy. He then said if I did n't call him with my bank information they would sue me and serve me paperwork at my job.
The charges that were incurred during the time frame of XXXX were at a time when I was in fact covered by a state-funded XXXX program which provides free care and visits to XXXX XXXX XXXX Systems and clinics. However, Alliance One Receivables continues to attempt to collect on these debts that were covered by the State of California 's XXXX program. Alliance One has reported several negative accounts ( more than XXXX ) and marked them as severely late ( 120+ days past due ) when they first and foremost should have never been actionable items to collect upon.
I have been more involved on what 's being reported on my credit report. I signed up for XXXX and noticed that there was a collection on my report that I was n't aware was on there. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency in which I currently had service with them. I provided the rep with additional info to search for this account that 's in collections and the rep provided me with an address that I have never resided. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought thing would be resolve but it was still appearing on my credit report. I then disputed online to the collection agency who is reporting me in which after the investigation the results was that the debt was valid. I never lived at this address, never agreed to this fraudulent debt being mine, and never owed any debt to XXXX.
on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was XXXX and XXXX bank
I recently opened a new checking account with Bank of America and the application was approved on the XXXX. I updated my employer direct deposit information with this new accounf information. Bank of America proceeds to close my account, with no notice on thursday. I had to call in thursday evening to find out that my account was closed and was not provided with any information. The only reason I found out was that I got a low balance notice, I logged in and checked my balance was XXXX and there was a pending {$25.00} debit. When speaking with a customer service rep I was transferred to XXXX and told my account was closed. When I found this out I checked to see if could change my direct deposit information back to the old account I had and it was too late to do this. So will be without my paycheck for at least a week while I wait for Bank of America to reject the direct deposit and my employer to receive the refunds and redistribute them to me, this is a horrible inconvenience since I 'm relying on that paycheck to take care of my rent and bills due on the first of the month.
I did not authorize Screening reports, initially i submitted an application for an apartment, but I decided against it. I called the leasing agent and let her know I was no longer interested in living at that complex. The leasing agent kept my application fee of course, but she was not supposed to pull my credit report. I never received any information in regards to being approved, denied, or just a follow up. My information was wrongly used and pulled after the leasing agent informed she would shred my information. Upon calling the company they confirmed that they had my signature to pull my information after the fact. I last month inquiring of why I had a credit inquiry from a company that my information was still pulled.
I had a XXXX XXXX XXXX account which I quit using shortly after they announced XXXX was switching to a different issuer effective XX/XX/XXXX. 
I received a letter from Citibank around XX/XX/2016 welcoming me to their new XXXX card which I had not requested. 
I called them and was informed I would receive the new card unless I cancelled my XXXX account which I did that evening. 
On XXXX/XXXX/2016 I received a credit card from Citibank. 
It is my understanding that it is not legal to send unsolicited credit cards or to open lines of unrequested credit. 
Am I correct?
XXXX XXXX XXXX has reported a collection, original creditor XXXX XXXX XXXX, on my Experian credit report. They list the DOFD as XX/XX/XXXX. I moved out of that apartment complex on XX/XX/XXXX. When I asked them to provide documentation on this account, they supplied me with the itemized bill provided by the apartment complex which confirmed the date I moved out. If they are going to report this collection, I want all information to be accurate. They are knowingly, reaging this debt. Previous disputes with the bureaus have come back verified which leads me to believe not all paperwork have been analysed correctly.
Equifax data breach. I am a potentially affected party, as stated by Equifax 's own website portal. The company provided my data via hacking to a third party ( or multiple parties ) which opens me up to fraudulent activity.
My husband and I have not been home for quite some time due to the past hurricane activity these past few months, the damage that was incurred to our home, and the fact that I am currently XXXX and giving birth XX/XX/2017. I have not received any notice pertaining to this debt and have not been given an opportunity to rectify it prior to this debt being reported on my credit report. My insurance deductible and copays have been met for my policy, it is impossible for me to owe a balance at this point in time. This collection account needs to be validated and I deserved an opportunity to dispute it before my credit was ruined by these third-party fiscal parasites. I am currently in my last trimester and due to give birth in two days, the stress that is being placed upon me by these devious tactics is undeserved. I promise you that if I experience any complications with my baby due to this anxiety you will most certainly be hearing from my attorney.
Wells Fargo deceptively opened a personal line of credit. It has fees attache with it to have it open and it gave be a hard ding on my personal credit report. When I spoke with Wells Fargo they said " sorry '' and they will talk within their internal teams to resolve it - no solution or help for me ... 

THE STORY : I went into Wells Fargo XXXX, CA to get a new credit card for XXXX that I lost. When I did that the banker recommended I open a personal line of credit - which would have an interest rate between XXXX %. Then I should move my credit card balance to that and pay off my debt slowly with a lower interest weight. No brainer - right? 

When I opened the account - I received a XXXX % interest rate - higher than my credit card. When I called the banker back, he said sit on the account for XXXX months and do n't use it, then Wells Fargo would lower the rate. Obviously, that never happened. That account has been sitting open, untouched, unused. Not even once. Why would I? It 's higher than my credit card interest. 

I have been paying fees on this account to have it open ( if I close it I get another hard ding ). When I opened it, Equifax gave me a hard ding as well.
We received a letter - '' second notice '' from NDG ( National Debt Group, XXXX, TX ) proposing a debt settlement of {$11000.00} on a {$22000.00} credit card balance. There is no information about what credit card has such an outstanding balance. This is the 1st such notice. We have no such outstanding credit card balance on any card we have. 
We have not and do not intend to respond to this letter.
coinbase.com support department is non-existent. Tickets go unanswered. I opened a ticket on XXXX 05, 2017 XXXX PDT ( case XXXX ) which has yet to receive a response. I am locked out of my account and am unable to access funds within the account or even verify that the funds are still there. I have emailed support multiple times, attempted to verify with several different legal forms of identification via the coinbase.com site automated verification process to no avail. Their customer service is very lacking and I would urge individuals to chose to do business with other reputable companies.
I moved out of the XXXX XXXX XXXX ( XXXX, WA ) on XX/XX/2015 and the move out statement that the apartment complex sent me ( after receiving multiple dispute letters ) even confirmed that my lease expired on XX/XX/2015. Yet for some reason the XXXX XXXX XXXX are trying to make me pay for imaginary charges from XX/XX/2015, more than a month after I had already moved out. I 've already submitted multiple dispute letters to the Apartment Complex and to the Debt Collection agency, yet they still continue to harass me with imaginary charges. I literally did n't have any association with the XXXX XXXX XXXX in XX/XX/2015 ( neither a lease or living there ) and they are still trying to make me pay for made up charges multiple years later. I 've sent at least half a dozen dispute letters, and for some reason, to the XXXX that just means that they should harass me some more with imaginary charges. The most recent debt collection agency ( Rent Recovery Solutions ) has offered me a 20 % discount if I pay these imaginary charges, even after I sent them a dispute letter as well! I have XXXX and am out of work right now, preparing for a XXXX. This is the last thing I need in my life right now, any help would be greatly appreciated. What they are doing has to be illegal, they know I do n't owe them anything.
on XX/XX/XXXX i mailed in a dispute in reference to an account being collected by professional debt mediation account number XXXX as being a incorrect account number in the amounts of {$650.00} an {$580.00} i also spoke with someone at the credit reporting agency and i was assured that this matter would be reinvestigated and corrected and i recently recieved a reply back stating it has been certified an will remain on file when i know its reporting inaccurately, futhemore, i also disputed a public record filing [ chapter XXXX bankruptcy ] on XX/XX/XXXX which i requested verification of there method of verifying this information they failed to provide me with any documentation i aslo went as for as to provide the reporting agency [ experian ] with a copy of a letter i received from whom they claimed to have verified the info from stating they dont communicate with any third party creit bureaus along with a copy of a letter where i had a security freeze place on my XXXX/XXXX credit file and they still havent corrected the error
My car company incorrectly reported a late payment for XX/XX/XXXX, then corrected it. After paying off the loan, as agreed, there was a computer generated error which caused this inaccuracy to be reported. They also reported that the account was closed versus " Paid as Agreed. '' All credit reporting agencies have corrected these inaccuracies, except Experian. I submitted a Dispute and received a letter that the information was correct. However, it is not correct. I do not believe they investigated this fully. If they had ( like all other reporting agencies ) it would have been corrected. This has had a significant impact on my credit score and needs to be rectified immediately. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date Opened XX/XX/XXXX StatusPaid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$14000.00} Highest Balance {$0.00} Terms 106 Months XXXX XX/XX/XXXX XXXX XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX.
The State Employees Credit Union, this is reporting the wrong information that is inaccurate. This is an inquiry that I did not consent to and its reporting on my credit report where its stopping me for obtaining credit at different places, I would like ; this to be removed from all 3 credit bureaus.