WillisBack/dataset-financial-user-claim huggingface dataset:
I believe First National Collection Bureau started sending letters to my home around XXXX, 2016 for a debt of XXXX they say I owe. First they are asking me to make XXXX payments of {$340.00}. Then, they are asking me to make XXXX payment of {$86.00}. Around the same time, I started receiving numerous phone calls saying nothing or asking me to stay on the line. I hung up every time I received XXXX of these calls because I thought it was someone trying to sell something.
On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken XXXX federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
I received a hit on my credit for debt that is over 7 years old from a company that I have recently been involved with a class action lawsuit this debt is over 7 years old and has not been on by CBR and had fallen off .. they should not be reporting this debt
I filed complaint number XXXX. However Huntington has done the same thing in XXXX, they sent me errant statements reprinted which were wrong then started the month off with a {$160.00} false overdraw which became {$490.00} in a week without any purchase. Also when a automatic deposit was credited to my account on XXXX XXXX. 2016 I checked account balance and they had purchases made on XXXX XXXX listed as XXXX XXXX, 2016 with {$300.00} missing from account balance along with purchases i had n't made. Someone inside bank is messing with account and seems they want me to know it.
Ocwen Loan Servicing took over my XXXX XXXX. received my automatic payment from my bank, Regions for 2-yrs or so. then said I was 2-yrs in behind on my mortg. That was the begining of the nightmare. They reported false reports to the credit bureau. XXXX XXXX XXXX investigated my case to clear up my credit for refinancing my loan. XXXX XXXX XXXX caught them in a lie and they hay to contact the credit bureau to remove the false information. The loan balance was a little over XXXX. They jacked it up to over XXXX to prevent me from receiving the VA loan. To get the VA loan I had to pay the jacked up amount or miss out on the refinancing for Veterans. XXXX XXXX XXXX personnel are able to verify the hardship and ripoff tactics that my family had to endure.
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Dixie Finance Company has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I filed a police report for identity theft and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
I called into the agency to dispute fraudulent inquires on my report. My purse was lost with my information inside and I made a police report and sent it into Equifax along with the other 2 credit agencies. I got a notification from XXXX that my information as listed on the black market this morning XX/XX/XXXX. 

I called equifax and they said they can not dispute the inquires even after me providing my police report. This is against the law. 

I contacted each company, who conducted the inquiry and asked them to remove their credit inquiries from my credit profile. They have no information for me and have no records of these inquiries. 

I have attached my police report as well. Please remove the unauthorized inquires XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Dba XXXX   Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX
Equifax Inc. insufficiently protected my data, and subsequently allowed it to be taken in their recent security breach. Equifax Inc. failed to notify me at the time of the breach, so my data may have been in unscrupulous hands for over two months while the company failed to take action to inform me. While I have not yet experienced identity theft as a result of this negligence, I expect better of a company that has access to sensitive financial information of hundreds of millions of Americans. I hope that Congress will take action to require accountability for major breaches such as this in the future.
I filed a chapter & bankruptcy to legally discharge the supposed debt I have with XXXX XXXX XXXX XXXX XXXX. This was presented to me as a private loan through XXXX XXXX that could be used for college expenses or personal expenses not related to school. Obviously, not one dime of this money was used toward college or I wouldn't owe the federal government over {$80000.00} in student loans today. My credit report is showing this matter as having been closed ( see attachment ). I already paid over {$2000.00} to XXXX, XXXX XXXX XXXX after the bankruptcy because I was unaware that they had no right to further collect on a discharged debt nor could I afford an attorney at that time. My current attorney sent a letter to them last year which subsequently led to the debt being removed from my credit report as closed. I was served with suit papers with a court appearance scheduled for XX/XX/2018 in XXXX XXXX court by XXXX XXXX XXXX the latest law firm to take over these collection practices. They had attempted collection last XXXX via mail and I replied via email that this debt was legally discharged via Chapter XXXX and brought up the lawsuit by Consumer Financial Protection Bureau against XXXX that stated collection could not be pursued while the audit of over 800,000 records was in process.
XXXX 's XXXX XXXX, underwriter Wells Fargo refuses to increase the credit limit to a much higher amount. Monthly required payment has never been late. Account has been opened for over a year. Each month, more than the required payment has been made on the account.
Receive more than 6 calls every day back to back starting at XXXX from multiple numbers
I have been requesting validation of debt for a collection from on my XXXX and XXXX   credit profiles since earlier this year of XXXX from Summit Financial account # XXXX. On either time of my validation requests has Summit Financial provided me with a signed contact. Approximately 2 months ago I fike A complaint via the CFPB reference never receiving the proper documentation reference said accounts public auction being held which wouldve allowed me the opportunity to recover said vehicle and the credit bureau XXXX advised they would provide proof via mail within 10 days, which they did not. What they did send me ( documents dated XX/XX/XXXX ) was an updated version of my credit report which indicated that they had modified the comments to a Chrage off with a fixed rate. They never provided with the documents I requested. Now moving forward I requested an early exclusion via XXXX in XX/XX/XXXX for said account and Summit Financial has now moved my date of delinquency from XX/XX/XXXX to XX/XX/XXXX. Because Summit Financial not XXXX XXXX XXXX has provided me with the legal documents of a signed contract As per the FCRA during my validation requests I am requesting that this account be removed from my XXXX and XXXX   credit profiles. Id also like to add that prior to qualifying for the early exclusion via XXXX and XXXX I was successfully able to remove Summit Finacial from my XXXX   credit profile via an early exclusion request as XX/XX/XXXX. It appears that Summit Financial is intentionally attempting to further harm my credit profile and my credit score by refusing to provide me with the documents the FCRA states that Im legally entitled to once validation is requested.
For 3-4 years PNC routinely holds my tenant 's rent paid by wire transfer- typically 3-4 days before it even shows up as pending. If a holiday weekend they will hold it an additional 2-3 days. Rent typically was XXXX/mo but was raised to $ XXXX/mo this year and transfer coming via XXXX. If they can float the money and charge overdraft charges as w result they will!
This company calls my daughters cell phone several times a day asking/looking for me and I do not know why. At this time my number is in working order and the company is in violation of the FDCPA by calling my daughter and asking for me by name several times daily despite having a telephone number for myself. I have no idea why they are calling me nor have I ever acknowledged any debt with this company. The harassment of my daughter needs to stop.
On XX/XX/XXXX, received a call through a local Louisiana Telephone Number out of XXXX, La at XXXX from a Company Asset Recovery Solutions , LLC agent Name XXXX. Upon follow-up call this day XX/XX/XXXX, it was verified that he was calling from the State of Illinois through a local VOIP Communications Server out of Louisiana. The Company / Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a current balance of {$9500.00}, being collected through collection agency Asset Recovery Solutions , LLC. A letter was received in mail on XX/XX/XXXX from Asset Recovery Solutions , LLC Telephone Number XXXX Ext XXXX, with an offer to pay {$390.00} monthly beginning on XX/XX/XXXX on referenced account. I never received a letter set forth prior to this with regards to account from said collection agency. We don't think he owes debt and letter does not state how to proceed if we don't think debt is valid. Requested XXXX  to forward debt verification in writing, including copy of initial contract signed for credit card and any other documents on file. Stated it would take a couple of days and just trying to find a loophole for collection. Check with Attorney Genetals Office for State of Louisiana  on how to collect and validate a debt, especially a revolving credit card - open account. Can't demand a payment until proof is provided and signature authenticated.
Our mortgage was bought out by Freedom mortgage and it has been a nightmare. I've been trying to add an auto payment option for 6 months now but it always said account was delinquent so I wasn't allowed to. Customer service is ZERO help. Finally last month it magically allowed me to add it. Problem solved right? Wrong. They now say ti was never added and that my account was delinquent. They immediately sent a negative mark to all credit reporting agencies. I paid for the mortgage the next month with the missing payment but they said it was already over 30 days late. Due on XXXX paid on XXXX   of next month. Credit has taken a major dive. I wish we had a choice to transfer out ... looking into paying the refinancing fees to get out of this awful company.
On XX/XX/XXXX I received an alert that stated that my account was overdrawn by {$23.00}, plus a overdraft fee of {$34.00}. This transaction was made on XX/XX/XXXX while I was in XXXX, NJ on vacation almost 2 weeks ago and was posted by Chase on XX/XX/XXXX. I called the bank to find out how this overdraft occurred and was told by a Manager that they did not receive the request for payment until XX/XX/XXXX. I do not understand how 2 transactions from XX/XX/XXXX posted then took 11 days according to the Manager to be taken out of my account. My account on XX/XX/XXXX had a balance of {$150.00} which covered the {$23.00}. 

All other transactions from XX/XX/XXXX - XX/XX/XXXX were payed within 2-3 business days.

Chase is known for holding onto payments and waiting for them to go into overdrawn status so that they can collect recurring overdraft fees of {$34.00} daily until paid. This isn't the first time this has happened and I will be closing my account and going to another bank. I hope if this has happened to anyone else they decide to do the same.
XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Experian - learned about FCRA XXXX and sent on XXXX XXXX to block. Experian refuses to block.
On XX/XX/XXXX sent dispute to TransUnion and XXXX concerning a collection from XXXX XXXX- On XX/XX/XXXX I was advised TransUnion deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XX/XX/XXXX/XX/XX/XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
TransUnion/XXXX  finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring
I have tried to contact XXXX XXXX XXXX regarding this fraudulent account to no avail. I have been under the impression that this fraudulent credit card account ( opened by my mother in XXXX XXXX without my knowledge or consent since she has access to my social security number ) would be totally removed from my credit report since I had nothing to do with this credit card account. The credit card maximum is {$5000.00} which she has maxed out. I am a XXXX in college just starting to get started in the world of credit and I do not have a good relationship with my mother. I just want this to end now. 

I have filled out an FTC Identity Theft Report on XXXX XXXX and have mailed a follow up letter to XXXX XXXX XXXX on that same day and have received no response. I also contacted XXXX via a letter for them to correct my credit report. I received the ' '' corrected '' credit report today in the mail ( XXXX XXXX ) which still has the XXXX XXXX XXXX credit card account on it. While it does say that the account has been closed, it says that the account will appear on my report for two years. What is the reasoning behind this fraudulent account staying on my credit report for two additional years? 

I have been trying to get answers and trying to get this fraudulent information off of my credit report from XXXX XXXX when I first contacted XXXX XXXX XXXX. 3 months now! When I spoke to the representative from XXXX XXXX XXXX on XXXX XXXX, the woman said that the credit card was opened with a birthday that was not mine. What kind of system is this where someone can just open a credit card with the wrong birthday? My patience is running thin. I am a college student and having to deal with all this nonsense during my exams and finals period is extremely unfair. I demand answers.
"Diversified Consultants" has contacted me twice to tell me that I owe XXXX XXXX and demands that I pay it.  I do not owe XXXX anything--I have called them and they stated that at no time have I ever been late on a payment and have no outstanding balance with them.  They have also stated that they have never reported me to any debt collector.I informed Diversified Consultants of this and they were rude and hung up on me after threatening further action.I reviewed XXXX online customer support forums and this seems to be a recurring situation with "Diversified Consultants"--they contact XXXX  customers in an attempt to collect imaginary debts.
a debt from XXXX was found to be inaccurate when listed with another collection company XXXX and was removed. Now they put it back on my report under a different collection company XXXX XXXX XXXX.
I recently paid a debt and thought that by paying them they would be removed from my credit report. How can I get them removed?
On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX in the amount of {$500.00} dollars. I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at FIFTH THIRD BANK on XXXX/XXXX/XXXX. I have never deposited this check to FIFTH THIRD BANK! I have NEVER owned an account there I never even heard of this bank. I contacted FIFTH THIRD BANK to see what happened to my check. They said that they cant research this check because there is information missing and that I am not their customer. I asked FIFTH THIRD BANK to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and according to XXXX XXXX XXXX this check was cashed at Fifth Third Bank but the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in FIFTH THIRD BANK! 
Please help!!
In XX/XX/XXXX my mortgage from XXXX was sold to Nationstar Mortgage. In XX/XX/XXXX Nationstar Mortgage took an unauthorized payment from my escrow account for {$170.00}. Nationstar Mortgage was notified of the error that they made in XX/XX/XXXX, only to discover that they took another payment for {$170.00}. I was informed the payments were for Mortgage Insurance Premiums. I never paid this with XXXX. They have since stopped the payments. I have requested the money get refunded to my escrow account on numerous occasions, along with the lost interest, and a corrected form XXXX. As of today none of my requests have been done. Now I have received a notice from Nationstar Mortgage that my escrow will have a shortage of {$100.00}. I feel that this is wrong considering that if they never took the money out of my escrow, it would not be short. I have been on the phone for over 10 hours with many different departments and several supervisors. Is there any legal recourse for the money " stolen '' from my account, along with the stress of this whole situation?
i was get this card from the barclaycard bank the ring master card by XX/XX/2016 when i get the card 2 days after i got locked out cuz they was need to verify a charge i make from this account but when i call in they wont verify me as the one own the account and not letting me do anything of my account and now its being almost 2 months my accout still are on the same blocked no matter how many time i call how many time i reset online account how many time i requsting have texting banking or email banking cuz they blocked me out of phone calling i dont konw what to do and i was trying to report the account as not opened by my end but im not losing my mind to do that to myself and i just had XXXX $ late fee from last month and they still locked my account and take late fee also i need help someone can talk to they and let they do the right things
XX/XX/XXXX, I opened a Citigold checking account with promotion code : XXXX. This promotion offered XXXX XXXX XXXX miles after meeting the following requirements : 1. Open a Citigold Checking account by XXXX/XXXX/XXXX - COMPLETED 2. Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card - COMPLETED 3. Within 60 days after account opening : Make XXXX qualifying bill pay in two consecutive calendar months - COMPLETED It says the miles will post within 90 days of the end of the month that you completed the requirements. 

I completed these requirements XX/XX/XXXX. On XXXX XXXX, XXXX, I sent a Secure Message to Citi asking them to confirm my eligibility and whether or not I have met the requirements. I got a response on XXXX XXXX, XXXX indicating that I was in fact eligible and I did meet all the requirements. They also said I should receive my miles by the XXXX XXXX statement. 

I called Citi on XXXX XXXX, XXXX asking where the miles were and when I can expect to receive them. They opened up a case to investigate. On XXXX XXXX, XXXX, I received the results of the investigation and was told I was not eligible for the promotion and I will NOT be receiving the miles. This is the exact opposite of what I was told back in XXXX. Back in XXXX, the Citi rep confirmed I was eligible and that I would receive the miles by XXXX XXXX statement. 

How was I eligible in XXXX, but all of a sudden when it comes time to " pay out '' the miles, I am ineligible? That does not make any sense. It looks like a bait and switch to me.
I received several phone calls with regards to this collection account for the amount of {$510.00}. After speaking with this creditor the conclusion was this is not my account because the social security number does not match. They agreed to remove this collection from my credit report.
Citibank XXXX credit card offered 0 % APR on Balance Transfer transaction ( s ) [ 1 or more ] from earlier this spring to next XXXX if they were initiated by XX/XX/XXXX and minimum payments were made on time by the payment due dates. Purchases could still be made in conjunction with the Bal. Transfer balance ( s ) still outstanding and any/all additional pay-ments above the required min. amount due would be applied to those purchase balances that have higher interest rates. Since a XXXX credit card bill when Bal. Transfers 1st posted on a statement along with purchase transactions, i have tried to pay in FULL all of the new purchase charges that also posted on a statement PLUS ( and in ADDiTiON ) the minimum payment to hopefully avoid any interest from occurring OR accruing on my XXXX  account but so far it hasN'T been possible to achieve this objective unfortunately! This is a Citibank manipulation with their payment processing system that i believe is intentionally by design due to the additional payment made above the min. payment NOT being applied entirely/strictly to ONLY those purchase transactions that have posted on the most recent statement, instead of being prorated amongst ALL new purchases, including those that have actually posted on the credit card account, but NOT as of yet on and to a statement!