WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is about XXXX XXXX XXXX XXXX XXXX XXXX ( a collection agency ). For about 3 years I 've disputed 2 items they are entering into MOST ALL consumer reporting agencies in the U.S. ; namely the 3 major credit reporting agencies and tenant screening consumer reporting  agencies. The 2 items I 've disputed myself and through an attorney are as follows : 1. XXXX
2. XXXX XXXX XXXX. 

The above items are NOT MINE! Even though they are NOT MINE, I 've proffered an " Offer in Compromise '' in order to remove these items from ; a ). the 3 national consumer credit reporting agencies - XXXX XXXX and XXXX, and b ). from all tenant screening consumer reporting agencies. At this juncture, I 've rescinded any offer in compromise as FCO refuses to remove them. I believe this violates my protections under the FCRA, FDCA, and because it is more than 3 years old and outside the statute of limitations for DC denies me fair access to housing in the District of Columbia. I want the 2 above items REMOVED IMMEDIATELY w/WRITTEN CONFIRMATION from ALL consumer reporting agencies in the U.S.
This is a long story. I was called by a collector called Dominus Law Recovery LLC. on XX/XX/XXXX. The lady stated that they are collecting a payday loan to XXXX XXXX. That I owe {$830.00}. I set up payment arrangement to have them draw on my bank card. They said they had to have that number. They were to draw the money out on XX/XX/XXXX. Other wise they threaten to issue a warrant, that they had my name and ssn # and the would have the sheriff or the police come to my house or my work. They assured my that they would email the copy of the arrangement to me. Well I never got an email and I called their XXXX  number about 6 times in the next two weeks. No one answered just voice saying leave you name, number and file. Well I did as they asked except I told them they havent given me a file number. Still heard nothing. OnXX/XX/XXXX I called my bank and had them block my card and issue me a new one. I also called XXXX XXXX, they said its a scam. However I do have an outstanding loan to them of {$350.00}. Taken out in XX/XX/XXXX. Not {$830.00}. They told me they never use a law firm to collect. Told me to contact consumer protection and they had me talk to there Fraud Dept. After XX/XX/XXXX passed the lady from Dominus Law called again and left voice mail saying we need to get this pymt in, She knew I had tried to call her and she had been away from the ofc because son was in the hospital. They needed to send me an invoice and I could pay on the invoice. Then she said I did send that email ( no she did not ). I started blocking all unknown numbers. Then yesterday I got another voice mail from Dominus Law from a XXXX XXXX or XXXX, she said the were investigating my name with my ssn and again threaten to issue a warrant for my arrest at my home or place of business. She said if I had any questions to call the XXXX number listed above and gave me a file number XXXX. Then they proceeded to call me back every 10 minutes for the next two hours. I was at work and it completely distracted me. The numbers they call on have an IA area code ( XXXX ). My cell phone has XXXX area code as I lived in IA and that is were the payday loan was taken out in XX/XX/XXXX. I called back to XXXX XXXX, today to give them updated info. I said I was willing to pay the bill but not {$500.00} more the org loan. She said this a scam going on with payday loans. She assured me that they cant do what they threatened to do. She advised me to file a complaint with consumer protection, which I had so then I called them to update. She also advised me to call the IA state attorney general I have done that too. Then she advised me to file a complaint with you which I am doing now. She also offered to try to get my loan back in house so I could pay what I owe directly to them and I accepted that offer. Later this afternoon I recieve another threatening voice mail again from Dominus Law. IA Attorney General has told me not to answer these calls and to delete them. But before I delete I will write them all down in case they are needed. I think this all the information I have on these harassing calls. Thank-you for your assistance in this matter.
Was notified by mail about a debt that was sold to 3rd party collection agency claiming to be a law office. I was notified in XXXX 2017 by letter stating that they have made several attempts to reach out to me about the debt and that if they did not here back from me with in a certain amount of time they would be proceeding with legal actions. I have not received any calls, letters or anything about this. Never received any notifications that the supposed debt was being sold to a different company as well. When I called Kenosian and Milele, LLP they were very rude and unwilling to help me settle this. I asked for information about this debt and when they tried to notified me. I was told that they can not provide me with any information and that I had to settle this today or they would proceed with legal actions today. I asked for some type of settlement due to the large amount claimed being owed, they were still unwilling to help. I asked to make payments of {$50.00} a month and was told they can take anything less then {$120.00} a month. They use very harsh and threating words to try to collect the debt with out providing any information when requested Still unwilling to provide information about the debt I asked for something in writing about they payments be arranged and was told that their lawyers to do not provide anything like that in writing. So out of the fear of being sued I agreed to make payments that I could not afford. After making a payment, I was unable to make the next months payment. I called them before the payment date to notify them I was unable to make the payment. I was told that either I come up with the money today or that they will take me to court and garnish my wages to get the money and that either way they will get their money. I called the original creditor to see if I could get information about the debt they stated they no longer had the account and that it was sold to XXXX XXXX. I find this very suspicious because the letters I received mentions nothing about XXXX XXXX   owning the debt. All notification I have received come from Kenosian & Miele LLp Attorneys at Law stating that the original creditor is XXXX XXXX and that XXXX XXXX XXXX XXXX XXXX is there client. I done research on this Law office Kenosian and Miele, and they do unethical practices by illegally serving people wrong court date information and get a default judgement to garnish people wages or by illegally taking funds out of peoples account with out notification. I am afraid this is going to happen to me.
Army & Air Force Exchange Services transferred my debt to a collection agency called XXXX XXXX XXXX XXXX I never received a letter or phone call from XXXX until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] XX/XX/XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XX/XX/XXXX-XX/XX/XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the XXXX office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.
I have sent various letters to trans union asking them to verify the chapter XXXX bankruptcy that they are reporting on my credit report with my signature, they keep sending me reports back stating its verified but not stating how, or sending proof that this bankruptcy actually belongs to me I have proof that they have n't verified from the courts because the courts do not verify
The bank did not disclose its wire transfer fees for savings accounts. It charged {$20.00} per outbound wire and {$30.00} per inbound wire. In particular, the inbound wire fees were a complete surprise. The bank stated to me that they are required by Regulation E to charge wire transfer fees. I am no bank regulation expert, but this does not seem to be the case since other banks do not charge for wire transfer fees.
US Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My loan has PMI insurance. The current principal balance is 74 % of original appraised value and the company is still taking out PMI insurance included in my payments. There are no late payments, loan is current and always has been.
There are about 40 inquires from car loan companies from XX/XX/2017. I have tried to cal and write to all three credit bureaus and provide proof that I did not authorize all this inquires and they refuse to assist me.
In XXXX of 2017 I started refinancing my current residence with XXXX XXXX XXXX, the same people I have my current FHA loan with. We wanted a conventional loan with no PMI, and finally were in the equity position to do it. Fast forward to XXXX XXXX and the refinance is completed. Or so I thought. I started getting collection calls from Loancare, the loan servicer, XXXX XXXX that my loan was past due for XXXX. XXXX assured me all was well and to ignore for now. XXXX XXXX I was still getting collection calls. I spoke with the representative at the servicer, Loancare, who told me with XXXX the payoff could have been delayed. Then on XXXX XXXX I am told by my loan officer that the wrong payoff amount was wired by the settlement agent, XXXX XXXX XXXX, but it was corrected and will be done in 24-48 hours. A contact at XXXX XXXX XXXX tells me he has nothing to do with it although his name is on the closing docs. 
It is XXXX XXXX now and I still show a balance on my loan of over {$280000.00} and I am late for XXXX and XXXX. I brought a Cashiers Check to the closing table for any additional funds. I am being told the wrong amount is being wired by XXXX XXXX to XXXX to pay off the original mortgage. They are sending the amount on the Closing Disclosure and being told it is not enough. Then it takes 3 days for Loancare to tell XXXX XXXX the amount is incorrect and does not tell them the correct amount, even though it matches the Closing Disclosure. The XXXX at Loancare tells me to call the settlement agent and is unreachable by phone. Nobody at Loancare will clear this up. Please help me!
I have been disputed this account over and over, and I got not answer, XXXX # XXXX This account was included in the bankruptcy case and have been discharged through the court
Please see all attached documents in reference to my complaint. # XXXX Per my conversation with XXXX, he advised to attached more documents. XXXX/XXXX/2016
I have desperately been trying to put an initial fraud alert on my credit file. I keep getting alerts from banks, email providers, everyone really, saying someone is trying to log in to my accounts from XXXX. I obviouslly want to put a fraud alert on my file. I go and try to do it online, submit all my information, and am told they are unable to assist me online and i should call for more information. Wehn I call, if I use the automated self service, they tell me they are unable to assist me over the phone and to file online. If I choose an option that seems like it would get me a live person, i am put on hold until the call auto disconnects. Meanwhile, someone is going to log in to my accounts and steal all my money and I am NOT being protected by these companies.
My name is XXXX XXXX. I would like to submit a complaint about Equifax. I was looking at my credit score. I found a credit card that has been reporting as opened XX/XX/XXXX I have never had this account. Last payment XX/XX/XXXX. 
I called XXXX XXXX they have no record of the account. So it is an Equifax error and I want it removed from my credit score immediately.
Citi says I made payments on my account and they claim falsely I called and okay 'd the amount when I did not and they are lying and saying I owe things and that I did charges. I did not at XXXX etc. They are saying things that are a lie and they were told what was legitimate or not and they refuse to listen. They fail to care and could are less they were told about things from stores I never purchased and the card was lost and it was reported multiples times and they failed to ignore it and keep lying.They also still are harassing me and saying things that they know are lies and trying to threaten me into making payments on things that are not mine. I am tired of this they are a scam bank who does not care about their customers. I really want justice done on them if this is not resolved properly.I called into the fraud that it was lost and they fail to care and that I authorized it. I never got calls to authorize charges etc. So that is also a lie they must have called the wrong number and lied. I am not stupid I know when it is a lie. This involves my XXXX card and XXXX XXXX XXXX mastercard. So much for zero liability about fraud protection.
Capital One=Quick Silver Credit card. On XX/XX/XXXX someone took {$150.00} from my checking account without my consent. I notified Capital One by phone of the problem and my account being overdrawn and a dispute was filed out. I was told my payment not due till the XX/XX/XXXX. XX/XX/XXXX went to bank and they notified Capital One my account problem and to rerun my personal check they would honor it. XX/XX/XXXX my checking account was refunded the {$150.00}. Credit One charged me {$30.00} for non-sufficient funds as well as a {$25.00} past due fee for XX/XX/XXXX.  In XX/XX/XXXX they charged me another {$35.00} for past due fee ( makes no sense my checks are mailed at the post office on the XX/XX/XXXX of every month when I get my SSI XXXX check ). Payment wasn't posted until the XX/XX/XXXX. Again in XX/XX/XXXX they did the exact same thing waited a day after due date to post my payment. Another {$35.00} fees charged. In XX/XX/XXXX again the same thing. In XX/XX/XXXX I called and spoke to a representative complaining about my bill. She wanted to sign me up for a Specialty Assistance Program. Told her I just wanted my bill current and to stop waiting 1 day past my due date to pay my bill and charging me late fees. What do I owe and I'll send a check in the mail. She said with the NSF and three late fees taken from my bill my balance is {$200.00}. I told her I would send a check XX/XX/XXXX for that amount and mark Paid In Full in Memo. She said make sure I put the last 4 digits of my account number on as well. On XX/XX/XXXX I sent them a letter to terminate my credit card. Amazing that check was ran as an Electronic Check Conversion for the {$200.00}. Get a email from them saying my monthly bill is ready to view. I open it and it says I still owe over {$150.00}. Call my bank XX/XX/XXXX she gives me the transfer code and reference number. They have my cancelled check. Hence, they also receive the paper showing indeed my account did come out to the {$200.00} as per the woman suggested the pay off amount was for.
Investigation took more than 40 days, did not recieve any notification that investigation was complete or that the reinserted information, bankruptcy
Ive got 3 collections Im paying on. XXXX XXXX XXXX which I have 2 correctly reported my balance. One Main Financial never does. I owe around {$6000.00} and the have me over {$7000.00}. I told them about it and they tell me its all done by computer. I dont buy it. Also Im making payments on XXXX XXXX for a truck for {$300.00} a month and its not even on my credit report. I surrender the vechiele and thy said I owed {$4500.00} I have paid {$900.00} on it all ready and being not reported am I even supposed to be paying on this? Thank
XXXX XXXX account # XXXX. I received a notice from XXXX XXXX stating that this account was pas due. I knew I didn't have an open account with XXXX  so I cent a certified letter to them which they received asking for information on the account because i didn't have an account with them. I never received anything further from XXXX. I received an alert from a credit monitioring site stating that an account on my credit was just marke as 30 days late. I called XXXX   and they told me that I had a Streamline account and that the yearly fee had been assesed. I informed XXXX that I no longer had a Streamline account with them and this account was closed months prior if not a year. I don't even have a checking/savings/or loan account with XXXX  anymore so I asked her how was it possible to have a fee assessed on a closed account. This streamline account was one that I was approved for {$500.00} that I could barrow money from the account and make monthly payments until the barrowed amount was paid back. XXXX  closed this account long before I left the bank totally. The account was in good standing and had been closed and updated on my credit file for several months to a year. I do not understand how this bank could charge a {$25.00} fee on a closed account that they closed and how could they add a 30 day late to an account that was closed but in good standings. How would I pay a yearly fee on an account that was closed, one that I didn't even have access to because it was closed and I don't bank with XXXX since XX/XX/XXXX. The person I spoke with at XXXX XXXX on XX/XX/XXXX stated the account wasn't properly closed which I don't understand wither because it was closed long before this happened and it showed on my credit report which I can provide to show that it was closed. I then proceded to ask the lady from XXXX  ok, clearly this was a mistake on XXXX part so how do I rectify this incorrect information on my credit report that you all reported and she told me that she could send a note to her lead but this was something that I would have to take care of by disputing with the credit bureaus. Why could it be so easy to report incorrect information but not go back to update the credit bureaus with the correct information? This account was never late as it had been closed and in good standing. She removed the charges fromt the closed account said that she believed it wasn't properly closed which I don't believe is true because I showed on the XXXX  account that it was closed and it showe on the credit report that it was closed. Waking up to a 51 point drop in a credit score because of a mistake by XXXX  is not fair and then the XXXX  rep acted as if she didn't care. I have disputed this with Equifax and XXXX and it's not on XXXX and the account is as it should be on XXXX  ( in good standings ). I have attached Pictures from my credit report to show that this account was closed as XXXX  closed it OVER a year ago. They late was added the end of XX/XX/XXXX or first of XX/XX/XXXX.
I along with ALL of my relatives received a call stating a process server is attempting to get in contact with me on behalf of a collections company that cant send documents to me. When I call the number they provided its an answering service that routes your call to the company based on the case number, which my case number is apparently directed to XXXX XXXXXXXX XXXX  XXXX. When transferred to the 'law firm ' my last 4 of my social, full name and DOB are read out, and I am told there is a debt of over {$5000.00} from an old Bank of America account. This 'debt ' claim was the same I dealt with about 2 years ago and filed a complaint about, with a different collections company, XXXX . XXXXXXXX XXXX   said they closed the debt as non-collectable and I would not be contacted again, yet apparently the claim was sold to another firm. XXXX XXXX said they will contact Bank of America but I was told by XXXX that once a claim is sold Bank of America doesn't have records of any further information.

These collectors called ALL of my family and even friends without my consent about a 'debt ' I was previously told has been closed as non-collectable.
When I was 1st contacted I was told this account was for a type of wireless internet router that a person could travel with. I never opened this account nor did I give anyone permission nor do I know who opened this account. I have informed XXXX of this and have informed the collection agency in writing with no results. I have never had any need personal or work related for this type of equipment. Being that I did not open this account, I feel I am not responsible for paying for it and will not do so. I always pay for all credit accounts that are mine in full yes I have made late payments in my life but still paid what I owed.
1. WELLS FARGO - OPEN NUMEROUS ( XXXX ) CHECKING AND SAVING IN MY NAME AND BUSINESS - AND REPORTED THEM TO XXXX AND XXXX. WHICH CAUSED MY CREDIT TO BE AFFECTED AND A XXXX CARD SHUT DOWN. 
2. XXXX- THEY FLAT OUT CALLED ME A LIAR AND HIDE XXXX ACCOUNTS ( DELETED ) - IN MY NAME AND BUSINESS BECAUSE I HAD OVER XXXX IN CHARGES ON MY DEBIT CARDS AND they were n't even activated. ALSO THEY HAVE MY NAME AND BUSINESS STATING I MADE A DEPOSIT FRAUDLY NO THEY HAVE SMEARED MY NAME AND AS A VET IN THE XXXX.. 

3. XXXX - TRY TO CALL THEM SO MANY TIMES HTAT ALL IU DO IS TALK TO PEOPLE OVERSEAS THEN I CALLED BACK NUMBERS FROM XXXX AND MICHIGAN TO FIND OUT WHAT THE ISSUE IS AND THEY HANG UP. CALL THEM THEY ALL WERE DISPUUTED AND BY LAW THEY A SUPPOSED VALIDATE OR REMOVE - THEY HAVE NOT DONE ONE THING EXCEPT I WAS TOLD I HAVE TO GO TO A BANK AND GET A SC AN COPY NO NO NO NO YOU COME HERE HERE YOU WANT TO SMEAR MY NAME WHY NO VALIDATE ANYONE CAN SEND A SCAN XXXX SEND S SOME SIGNATURE CARD ITS NOT ME. 

THESE PUNKS HIDE IN A XXXX IN XXXX AND MY XCOUNTRY THAT I SACRIFICED MY LIFE ALLOWS IT. THEY ASAP REMOVE BLOCK NOW BY LAW
On XX/XX/XXXXof 2017. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : Equifax, XXXX, and XXXX XXXX. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again in XXXX 2017 presented pertinent evidence that non of the inquiries and/or two fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX  of 2017, they ( credit bureaus ) stated they will not remove any of the  information as it is verified. I provided again in XXXXXX 2017 a police report stating the facts. The two accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.
I contacted XXXX to get information on what debt they are collecting on. When I asked for them to send me whose debt they were collecting on - myself, my husband, or my son, and who they were collecting for and the amounts each they refused because they said they had already mailed that information out. They are trying to collect on medical bills through a small claims lawsuit.