WillisBack/dataset-financial-user-claim huggingface dataset:
I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. 
Case number : XXXX The details were as follows ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. 

As requested by XXXX please see the accompanied Fraud Packet completed and supporting identifying document initially mailed a few months ago. Please provide me with a copy of their response through the CFPB portal for my receipt.
XX/XX/2018 They scammed my checking account for {$15000.00} ; they had me download a program named XXXX ; and got into my computer to send them the funds by fax. I closed my bank accounts so they would not take any more . 











The bank was First Hawaiian Bank.
I purchased some shop equipment from a company and never received anything in over a month so I disputed the charges on my card. They have not reversed the charges or credited my card yet. They keep saying they are investigating and it takes 60 days. I can not purchase new equipment because they have not reversed the fruadulant charge.
There are inquiries on my consumer report from creditors who have not offered me credit. I DO NOT have a credit card from these creditors. By law, if a creditor checks your consumer report and DO NOT offer you credit, those inquiries are not supposed to be on your consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; There are creditors who DID NOT give me a firm offer of credit. Those creditors did not submit information to Transunion, dictating that I have opened a new account. And I have not personally authorized Transuion to provide any person agency or creditor a copy of my consumer report.
I sent a certified letter on XXXX XXXX, requesting debt validation or removal of two accounts from my credit report, listed by XXXX XXXX OF LOUISIANA, XXXX XXXX XXXX, XXXX, LA XXXX. The amounts were {$16.00} and {$170.00} I never received a response from XXXX XXXX as today, XX/XX/2018. These two accounts remain on my credit report.
When I was unable to pay the minimum amount due on my Citibank Credit card / Home Depot account due to losing my job, I called in effort to proactively make an arrangement until I was able to get another job. On the very next statement I received the minimum payment then due was {$600.00}, which was far more than what the original minimum payment. Citibank used the information given to them to place my account in debt collection for them to be able to write it off. I do n't understand how this is even legal. 

Needless to say I did everything I could to try and resolve the matter and went into debt collection with an agreement to pay {$45.00} per month until the debt has been paid in full. I do not receive any receipts or current balance or even monthly statements of the debt and this payment has been made now more than a year. I have no way of getting in contact with them and do n't know how I can find out what the remaining balance would be. How can I resolve this? I 've checked my credit score on XXXX and there is no information about the account even listed any longer. What can I do?
Financial Asset Management Systems ( FAMS ) has continued to threaten to restart interest on my student loans which is currently at 0.01 %. FAMS has repeatedly threatened to restart interest at 8 % in order to continue to get payments from me which is an flagrant violation of the Fair Debt Collections Practices Act. FAMS has continued to threaten me that they could restart the interest to 8 % if they do n't get payment from me which is an abusive practice and violation of the Fair Debt Collection Practices Act. FAMS continues to make these threats as a coercion tactic to get money from me. These practices are flagrant violations of the Fair Debt Collections Practices Act.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. Equifax and XXXX   are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
I have been trying to modify my loan for almost FOUR years now, since XXXX XXXX. The XXXX XXXX packages I filed, all with MetLife and then the last transferred to Chase, were mishandled and processed as Short Sales ... NEVER was any paperwork completed for a short sale during that time frame. I filed a complaint with Chase 's corporate office and they looked into the matter. They returned a denial for assistance very quickly. So the house was then put up for Short Sale in the end of XXXX. XXXX offer came in and by late XXXX was withdrawn due to the buyer failing to meet certain requirements. I again filed a modification package, using an attorney ( XXXX XXXX XXXX XXXX ). XXXX of XXXX Chase informed me that they needed a Request For Mortgage Assistance form ... it was with the original package yet they mysteriously lost it. My attorney confirmed it was sent, but I resent everything on XXXX XXXX. XXXX XXXX I called and verified they received everything, they did. Now they needed a Quit Claim Deed Form?? I have been doing this ALONE for almost 4 years and they just now tell me I need this form?? The co-borrower would not sign and I came home on XXXX XXXX to find a Sheriff 's Sale notice. Calling Chase I learned they put it in the system XXXX XXXX, THE DAY I TALKED TO THEM ABOUT MY PACKAGE! 
Now Chase is telling me they have no record of the previous packages in their system, they only see the short sale and this resent package. Offered no help so I called the Executive Office ( XXXX ext. XXXX ) and tried to speak to the representative handling my account ... NO ANSWER. Left voicemail - XXXX TIMES - no return calls. 
I am disgusted how these big banks push us around and throw our accounts around like they are nothing to them ... well this is my home that I share with my son and enough is enough! Lawyers are telling me my only alternative is to file for Chapter XXXX bankruptcy, which is the last thing I want to do seeing that there is no guarantee that acceptable terms for a modification will be reached ... leaving me still with a foreclosure on my credit and the addition of a bankruptcy?!
This is my third complaint. Bank of America keeps shutting down my debit card at very inconvenient times. the only email I have received on this issue so far claimed I was making very unusual purchases. The most devastating they did was shut down my card when I attempted to use XXXX to get home from work at midnight. I 'm getting increasingly angry at them because they keep thinking they 're not even going to email me letting me know they 've done such a thing. I am making these transactions in good faith and I do n't know what right they think they have to take away my banking ability especially when I 'm relying on online Commerce to get a ride home. I try to call them and they tell me their office is closed. They need punishment if they think they can stop me from banking when I have funds but they do n't have to be available to fix the issue they have caused. They 're forcing me to carry an uncomfortable amount of cash when I 'm supposed to be able to trust them with my money.
Since XXXX, XXXX I have attempted to get Bank of America to correct the date of my oldest credit line from XXXX to XXXX. My credit card with this Bank states that I am a card holder since XXXX. My account number may have changed, but I have used a BoA credit card well before XXXX. My credit rating has suffered, because I rank a B in terms of " Oldest Credit Line '' in light of BoA 's wrong reporting. 
I have regularly sought to get BoA to correct their dating mistake without success. I understand that the FCRA requires action within 30 days. BoA has dithered and refused to correct their mistake for my account no XXXX All credit agencies continue to state my oldest credit line as having commenced in XXXX. 
I am seeking your intervention to get BoA to correct their mistake and to inform the credit agencies that my oldest line of credit dates back to XXXX and before. 
Thanks for your help.
This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports.
On XX/XX/2015 I filed Chapter XXXX bankruptcy protection which included XXXX. Around XX/XX/2015 by bankruptcy was XXXX also the debt of XXXX. Today in the mail I received a letter from XXXX trying to collect this debt.
i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX  Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}
I became deliquent on my mortgage as of XXXX XXXX, 2015 ( the last payment. The tenants had moved out and we missed the XXXX and XXXX payments. As of XXXX/XXXX/2015, Ocwen ; the mortgage holder ; proceed to send what they call a knocker to the door. When they discovered no on there, they proceeded to begin vacancy proceedings. They did not contact the number that I updated with them in XXXX of 2015. Meanwhile on XXXX/XXXX/2015, Ocwen assigned XXXX to come in and " winterize '' the property. I had already done this on XXXX/XXXX/2015. This house was listed for sale under a Realtor. XXXX then stacked all of our belonging into the middle of each room. The house had been staged for sale on XXXX/XXXX/2015 and XXXX/XXXX/2015. XXXX then proceed to padlock the entrances to the home. The house is now under contract for sale. When, we sent people to the home to ready it for the pending sale, the pipes had burst, there were muddy footprints all over the carpeted floor, and cigar butts on the linoleum in the a joining kitchen. XXXX claimed no responsibility and referred us to Ocwen, our mortgage holder. Ocwen claimed that they would not send someone into our home before 90 days delinquency. When this all began, I started the modification of my mortgage with this lender. I repeatedly sent them the documentation they requested and they repeatedly needed more documentation and phone call meetings. It has been 4 months now and they are still telling me I did not submit the right paper work. I believe they are dual tracking me. Trying to delay in order to foreclose. Help
I am currently a student and have XXXX XXXX student loans. I made a year-end payment of {$1300.00} to pay off all of my interest that had accrued over the year. The entire amount was transferred from my bank account to my my loan servicer, Navient. Navient applied {$1200.00} to my first loan but somehow managed to lose the remaining {$170.00} that was supposed to go to my second loan.
This is regarding a {$71.00}  XXXX  bill from over  3-5 yea rs ago. This collection was paid in cash at a  XXXX  store in  XXXX ,  XXXX  on  XXXX   XXXX   XXXX . This collection has been removed and relisted on my  credit score 6   times in the past 2 years. This account continues to be sold, disputed, removed, and resold. My   XXXX   credit report shows that the current agency is marking my collection as a LATE PAYMENT as well as a COLLECTION. This is unlawful.
After trying to use " XXXX '' to access my XXXX XXXX XXXX, I keep receiving a message as follows " XXXX is blocking you from enabling external applications ''. I can not access my account through Trim.com. After a call to XXXX to fix this problem to access my account, they were unable to fix the problem. After approximately 50 minutes on the telephone with XXXX and after speaking with 5 representatives, there is no resolution and XXXX can not access my card with XXXX. XXXX has not fixed this problem.
On my XXXX credit report. The account is showing a REPO status. The car was traded in to purchase another car with a different car dealership. I was not in possession of the car when it was repo 'd from the other car dealership, my fees and everything were paid on time and in full. Please update my account to paid as agreed and not a REPO.
In XX/XX/2018 I disputed an inaccurate account with all three credit Bureau. Experian XXXX and XXXX ... I disputed that the account is reporting inaccurate but all three credit bureaus replied back that the account is verified. Well I look at all three credit report with Experian,, XXXX, XXXX,,, and the account XXXX is reporting inaccurate and missing information,,, Experian is showing the account to be charged off with a monthly payment {$6.00} dollars how can a charged off account be showing a monthly payment. 

With XXXX Credit report the XXXX account is showing to be sold to another lender ... so how is it that Experian showing a monthly payment of {$6.00} dollars on a charged off account that's sold to a outside lender,,, only the lender is supposed to show the balance and payments if the account is sold per XXXX report,,,, these report are all showing inaccurate information and they are missing information and not reporting 100 % accurate per the FCRA please delete from all three credit bureau, Equifax Is showing a monthly payment of {$6.00} dollars on there report,,, but it doesn't show the account to be sold to a outside lender ... so why are these credit reporting agency showing inaccurate information.. 
XXXX is showing its sold with XXXX monthly payments,,, sold to another lender Experian is showing charged off with $ XXXX monthly payment this account cant be sold and showing monthly payments on a charged off account,, delete these from all three of my account,, they are not reporting 100 % accurate information., information is missing they need to delete it,, I have copies of all three credit bureau report on this alleged account that's reporting inaccurate,
While my accounts are now with XXXX, consolidated and I am making a single payment, the loans were LOST after a XX/XX/XXXX medical bankruptcy. My issue is with Van Ru. I was screamed at, sworn at, had similar issues with XXXX and Van Ru ... nobody could tell me who had which loan, what was in rehab and what was not, and after rehabbing " all my loans '', they hadn't been, and mysteriously 8 into 9 payments of each rehab, " there was a paperwork error in house and your rehab was never signed off on ''. Each time the loans changed hands, THOUSANDS in collections fees were added to the loans, and capitalized. Since XX/XX/XXXX, I've paid the principal, and over, in interest and collections and rehab fees. I have a very enlightening recording of one call with Van Ru attached here, not objectively the worst call, with Van Ru but it highlights the issues with them and how they parse the truth since the objective is to KEEP you in loan purgatory-between default and rehab, and an article in MONEY described the calls I also received from their hit-man collector ( called me a XXXX and so forth, a waste of space and air, a failure, etc. ) XXXX and XXXX also had those calls. Then, you would get a call from someone else saying, sorry about all the horrible calls, but I am the nice person from here, and I can fix this for you ( and you would have the auto-dial calling stop ). I don't owe all of what I have in repayment. I  also have screenshots showing that XXXX can't even get their ( current ) website info together. I complained, they were really annoyed, and they appear to have fixed it ( now ), but still. Fun stuff. So, I would like to negotiate a percentage of what is owed and be done with this loans. The ombudsman took 6 months to retrace what all had happened and said it was one of the worst cases he had ever seen, a huge headache for him, and verified the loans were lost for years in fact. If nobody could find them when I was trying to repay them, and were like " yep, it's paid '', well XXXX. I want to pay it, but not the interest on when it couldn't even be found. I was paying a collector based on a report on my credit that I owed money without any verification that I actually did owe the money, since nobody had the paperwork! That, I think, is telling about the chain of custody issues described in some of the lawsuits.Total chaos with Van Ru. XXXX and XXXX had people call to say horrible things to you, and at XXXX XXXX  and XXXX XXXX, put me on auto-dialer with a fax for weeks. Awful. The one collector from Van Ru, I specifically mentioned to the Ombudsman, had threatened to burn down my house. This is not an exaggeration, this really went on. People overhead the calls on speakerphone, once my employer picked up and was screamed at.
I borrowed about {$2500.00} from XXXX XXXX onXX/XX/XXXX. I 've made payments of {$290.00} every month startingXX/XX/XXXX. I was late with a payment a couple of times and had to pay NSF fee of {$36.00} to my banker ( XXXX XXXX ) and a penalty to XXXX XXXX of {$15.00}. I am still in process of paying this loan off at the said monthly rate. I will have to pay these people until XX/XX/XXXX in order to pay off this debt.This is loansharking at it 's most despicable level in my opinion. I may not be able to get help with this but I wanted your agency to know about this type practice which is prevalent in lower socio-economic communities. XXXX XXXX is another and there are others. Regular banks will not lend money to less affluent people but they finance these loan sharks. The poor people need help. I need help. Please do what you can for us. Thank you. My loan number is XXXX.
I spoke to a representative about a couple of weeks who said that they had sent information regarding their claim to the wrong address. I explained that they had the incorrect address and also that I never had a personal loan with HSBC. I tried to give the correct information so that they would send the information to me so that I could dispute it. The representative would not allow me to. They said that they would just notate that I refused to pay. I told them that they were not adhering to Fair Debt Collection Practices Act and they said that they did not have to because they are not debt collectors. They called again today with a recorded messaged saying that I was avoiding my responsibilities. I have never had a loan with HSBC. I need for them to verify the information that they are using so that I can file a proper dispute.
GM FINANCIAL keeps billing me and sending me financial information of a debt I had after asking them to STOP.
The issue is that Equifax Credit Bureau seems to have some personal issues when I am assessing their line for services that need to be corrected. I am tired of writing about the same things over and over. There are XXXX items that are totally incorrect. XXXX is XXXX credit which was reported long ago about their defective merchandise sold to me and I notified them several times and they did nothing. The second is XXXX, XXXX XXXX which was a secured card and you had to have money on it before you could use it. I believe I put at least XXXX on this card for my constant use as a credit card which is what it was as long as you had the money the account. Another is XXXX XXXX, a seller of damaged merchandise and not what was ordered. Told him also, and he ignored but could ask for payment. The other shows XXXX. There was a problem with them because when I would go to the line to make an affordable payment, they would not take it if it was not what they wanted. Called and was told same thing about what was due after I explained to them I need time to catch up.
I have been a victim of identity theft and Exeter finance is one of the companies that is listed on my report that is due to this theft. I have done all of the steps required to take care of this situation, I have filed a police report I have done a FTC identity theft affidavit sent in my identification to them and I keep getting no response from them. I called last week and was told my police report was not signed by a XXXX I explained to them in XXXX ca if it is not a crime that puts you in immediate danger you are to file a police report online and wait for it to get approved by an XXXX which is what I did my police report was approved and the XXXX name is on the report. I explained this to them they said they would just call the police station to make sure it was a valid report that day I said fine I called to follow up and no one seems to know anything. I sent everything over to them why must I be a victim twice
On XXXX XXXX, 2016 Capital One denied my application for a credit card because " Based on your application information, there is legal action pending against the applicant '' However they fail to disclose what the source of that information is and they did not obtain my credit report during the application process. On XXXX XXXX, 2016 I wrote a letter to Capital One requesting further information. I believe Capital One 's failure to disclose the source of this " legal action pending '' is a violation of the Fair Credit Reporting Act Section 615 ( a ) or Section 615 ( b ).
Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.
At XXXX, I received a call from Hatfield Portfolio Group. ( XXXX important because I 'm a shift worker and was sleeping ). When I asked what kind of business they were, they were vague and avoided answering and immediately started in with a list of names ( all with common last name, mine ), to see if I knew any of them. When I pointed out it was XXXX, he stated it was XXXX where he was. When I pointed out he was fishing for information, he hung up.
PLEASE REMOVE XXXX XXXX AUTH USER OFF THE ACCT SS # XXXX : XXXX.