WillisBack/dataset-financial-user-claim huggingface dataset:
This is my 10th time disputing, complaining, asking for proof, documentation, and validity that this is my debt with this company. This company continues to report false information monthly on my credit file as if I have interest that accrues every month. The address that they have in their database is an old address that I have lived in the past. However, this address was also used to purchase a vehicle in my name with my social, dob, etc. 

I have filed a police report in the past because I am a victim of identity theft. I have had someone get a apartment in my name before and now a vehicle and I've had no problem getting the apartment removed from my credit report. 

I have reached out to Coastal Credit several times about this same issue and have not yet received anything showing that I am responsible for this debt or if it is mine. Every time that I ask for this information from the credit reporting agencies they continue to state that the debt is valid without any proof. They stated that they tried to work out a settlement with me. I was never contacted about a settlement and why should I have to pay for someone else 's debt. This is unfair to me because its causing me to have problems getting my vehicle refinanced with my credit union. This information is reporting inaccurately to XXXX, XXXX, and XXXX. 

And again, please show me PROOF that this was my vehicle or my debt. Anyone could have signed off on this vehicle in my name. As stated before I have been a victim of identity theft since XX/XX/2011. Please have this removed from my credit file IMMEDIATELY!
I paid for electronic services partially done at my home with a Citi Master card on XX/XX/18 {$1000.00}, and on XX/XX/18 {$1000.00}. The work was not completed, and the partial work done, stopped working. I contacted the vendor and made 4 appointments which were never honored, nor called. I contacted Citi to initiate a dispute immediately. I also researched the vendor 's company in XXXX and the corporation is in default, additionally, I arranged to send the parts he installed, to the address I had, and it was returned being that the place is empty, no business there. I gave all this information to Citi, and requested for this transaction to be considered FRAUDULENT. Citi responded on XX/XX/2018 that they couldn't help me anymore, and that their investigation was complete.
I am a single parent and have filed a request for modification of my mortgage with the mortgage company, OCWEN Loan Servicing. Their call centers and their staff seem to be in XXXX and for the past 4 months they have stalled the processing of my modification, and keep reporting my loan as delinquent. I have tried to work with them and have provided every bit of information they 've asked for and yet their paper-pushing games seem to have no end. On the other hand, they keep flooding me with notices of foreclosure and threats of taking my home which have caused me great XXXX and XXXX. I am a single parent and can not lose my home, but this mortgage company that has had countless complaints and lawsuits against it does not seem to be concerned. I have asked to speak to their representatives in the United States ( as I was told it is my right to do so ) but they refuse to accommodate.
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.
On XX/XX/2017, I was sent a letter from Portfolio Recovery Associates claiming I owe them {$790.00} to which they reported on all 3 of my Credit Bureaus as a collection account. I later contacted the Credit Bureaus letting them know I that this account was not mine, after that I contacted the company directly in written requesting the information that they held to verify that this was an account to which I own. They only sent me an itemized letter that can easily be fabricated, nothing with my signature or an agreement to pay what they are saying I owe. No detailed payment history saying what I own the money for or how they calculated it.

I asked for the statue of limitation on the debt to which they say I owe since they are reporting it in collections, I asked for proof they are licensed to collect in the state of South Carolina along with the license numbers of their Registered Agent or Agent of Service. To which they completely ignored and only sent another bill with the same itemized letter and saying they will no long respond to my request.

They have removed this account twice now and added it back to my Credit Bureaus in different amounts, they are harming my overall credit score and blatant fraud. I wish have this issue resolved and the account removed for good this time. I am prepared to take legal actions if need be but I'm contacting you to see if this can be resolved before litigation.
XXXX/XXXX/2016 On XXXX/XXXX/2016 XXXX XXXX returned dispute form to bank of America disputing {$150.00}. XXXX XXXX 's bank of America mastercard XXXX XXXX XXXX XXXX failed to dispute {$150.00} charge from XXXX XXXX/XXXX/2016 which was returned to XXXX via XXXX XXXX because punch did not work. Resolution is immediate permanent credit of {$150.00} from bank of America. XXXX XXXX XXXX/XXXX/2016 Collapse transaction for Transaction date : XXXX XXXX XXXX MA Transaction date : XXXX/XXXX/2016 Card type : Mastercard Transaction type : Purchases Merchant description : STATIONARY, OFFICE SUPPLIES, PRINTING AND WRI Merchant information : XXXX, MA Reference number : XXXX Dispute this transaction Type Purchases {$150.00} XXXX XXXX 's bank of America mastercard XXXX XXXX XXXX XXXX failed to dispute {$150.00} charge from XXXX XXXX/XXXX/2016 which was returned to XXXX via XXXX XXXX because punch did not work. Resolution is immediate permanent credit of {$150.00} from bank of America. XXXX XXXX
I recognized that I have become delinquent in my HOA for {$420.00}. I called my HOA to pay in full and they instructed me to call XXXX as it was referred to legal. My HOA graciously provided a phone number to dial in which i have called multiple times during the appropriate business hours, sent emails and left voicemails. I simply can not get anyone to take my payment and i fear that due to this company failing to communicate with me, a lien will be placed on my home.
My husband and I have a mortgage on our home that is serviced by Wells Fargo. The last home appraisal on our house, that was done at the time we re-financed through Wells Fargo, was {$240000.00}. On my XX/XX/XXXX statement, it shows that we have paid that down to {$190000.00} which is over 80 % LTV. So I called Wells Fargo to ask them to remove the PMI charges from my mortgage payment. I was told that I would either have to pay for an appraisal, or pay an additional amount over {$3000.00} in order to bring out LTV ratio up even more and then they would drop our PMI charges. The Homeowner Protection Act XX/XX/XXXX states that I should be able to call the company when I have paid more than 20 % of the equity in my home and the company is then obligated to remove the PMI charge. When I asked to speak to management and brought this up, I got a serious run-around. Then they told me that it could probably be removed, but that they would have to escalate it to some other department at Wells Fargo. When I asked how long that would take, they said it would take 10 days. So I told them I would call the XXXX Consumer Protection Agency the next day, and then they told me that they would get back to me within 48 hours instead of 10 days. This conversation between me and the people I spoke to at Wells Fargo happened less than an hour ago, but I am filing this complaint anyway since I feel this is against the law, and another example of big bank fraudulent activity and abuse.
Every debt collection agency that has reported me as owing a medical debt on my credit report has been disputed with the reporting agency. I do not believe I owe any of the medical debt in my credit file and there have been no attempts to verify ANY information about these debts with me in any form of communication. I have always paid my co-payments at the time of any medical treatment and bills sent to me by medical professionals were paid personally or by my health insurance company. I believe that every agency reporting medical debt on my credit file does not take my disputes seriously and reports negative remarks " debt valid, consumer disagrees '' instead of proving I actually owe the debt. To even attempt to access my medical records is a violation of my rights under HIPPA laws because the debt collector is a 3rd party to the original creditor, not privy to my medical records because they are not doctors and do not have my permission to view my medical files which may reveal my medical diagnosis, treatment and prognosis and without that verification they ca n't determine if I even owe this debt. They can either refer this alleged debt back to the original creditor so a licensed medical professional who is allowed to view my medical file and can fully explain the origination of this debt and medical information such as diagnosis and treatment that will help me identify the debt is mine or they need to remove the debt from my credit file and cease to ever attempt to hold it against me. They are in violation of my rights under HIPPA laws and are reporting debt they can not verify. They make no attempts to contact me after several disputes have been filed on my behalf. Every single medical collector in my credit file has done this and almost all of them are beyond the statute of limitations but keep updating as if a payment was made to them! Ive never paid the debt collection agency bc they can not verify the debt. Please make them remove the debt from my credit file and give it back to the original creditor so my rights under HIPPA laws are not violated.
1. On XXXX/XXXX/XXXX, I noticed a collection account listed on my credit report for {$4000.00} through the XXXX  credit reporting agency. 
2. I have contacted the original creditor ( XXXX XXXX ) and could find no evidence of any sold balance for {$4000.00}, which is a violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
3. The information has been reported to XXXX credit bureau as a 1 month term account, which is an FDCPA violation. FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt.
4. The information has been reported to XXXX credit bureau as a closed account when it should be reported as a collection account, which is another violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
5. Portfolio Recovery Assets has engaged in collection behavior that violates the Texas Finance Code Sec. 392.302, subsection 1 and subsection 4 by engaging in a large amount of repeated phone calls in which the caller does not identify themselves.
I opened an account with XXXX which is part of BBVA compass as per the bank statement I receive. They had a sign-up bonus of XXXX . I have met the terms of promotion. They still have not deposited the XXXX $ and don't give me a good response when I contact them. They have stopped responding all together now. This is a breach of their terms.
I opened a loan with cnac_XXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after XX/XX/XXXX
I have received epeated callsto my cell phone number at all times during the day stating that we are owing money. We have checked and we are not behind in payment nor does our credit report such activity. It is a different voice but same phone number. I am leary of speaking with them for fear that they will spam or phish us. I checked the phone number online and found that this is a company on the east coast that has been reported to conduct such activities in the past. It is costing me in minutes on my cell phone plan.
RE : Household Finance HFC is apparently the parent company of XXXX. I have XXXX accounts with XXXX, and they both are in good standing. I came across a situation whereby I was trying to protect XXXX of my credit cards from being charged by a disreputable corporation ( XXXX and XXXX as partners ). I closed the credit card in question and asked for a new card. Without my permission, the corporation contacted HFC and HFC gave my new credit card information to XXXX. As a result of the action taken by HFC, I have been denied the choice/preference of how I wanted to protect myself from this charge by the corporation. As a result of the action of HFC to freely and illegally release my credit card information, which I wanted to keep confidential, I am now being forced to deal with the corporation and their charges in a manner which I find reprehensible, undesirable and a threat to my financial situation. I feel that HFC should be held accountable for their illegal disclosure of my credit card account number and they should suffer the loss, as the corporation I am dealing with has a multitude of complaints about poor and dishonest service and, as a matter of fact, has a complaint pending with the FTC. My credit card information should be MY personal and private information, and NOT something HFC can distribute for use without my permission. I wonder how many more people can now have access to, and enjoy the freedom of use in submitting an unauthorized charged to my credit card. I have filed a dispute with XXXX XXXX over the charge. HFC has obviously resorted to deceptive trade practices, thereby enabling XXXX to fraudulently charge my account. Complaints by consumers about deceptive and fraudulent trade practices run into the hundreds, if not thousands, by XXXX and XXXX XXXX XXXX.
I mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in 2014.
Experian and XXXX Credit Reporting Agencies are allowing two debt collectors to publish information on my credit report in violation of the Fair Debt Collection Practice Act. According to that " Act '' debt collectors are required to contact me first regarding a debt and allow me 30 days to submit a written request for validation of the debt. Both Experian and XXXX are publishing information on my credit report regarding a collection account owed to XXXX XXXX # XXXX in the amount of {$3100.00} ; however, I am not familiar with XXXX XXXX and I never received any notice of debt from the company before it was published on my credit report. I was denied my important rights under Federal and State law. I contacted both agencies to let them know that XXXX XXXX violated the law and denied me my rights under federal law but no action was taken. 

Experian and XXXX further violated my rights by placing a second collection account on my report that was placed by XXXX XXXX XXXX. This company did send me a notice of debt about 6 months ago and within 30 days I submitted a request for validation of debt, in which I informed the agency that I have never enjoyed a XXXX account. XXXX did not contact me further, but recently in violation of Federal Law, XXXX placed a collection action on my account causing my credit score to drop.
I leased my car from Ally Bank for 39 months and fulfilled the terms. When I was purchasing this same vehicle, I noticed a discrepancy on the lease agreement between the residual price and the purchase price of my car ( {$2500.00} ). I was at my dealership with my husband to purchase the vehicle and we questioned this discrepancy. My salesman called Ally Bank & after several phone calls ( we got disconnect once ) and transferred several times, we finally got someone who could answer our question. He ( XXXX XXXX, I believe ) told us that the fee of {$2500.00} was because we had to pay for all of the " bad '' leases in the past but they stopped doing that in XXXX. ( I leased my car in XXXX ). Furthermore, I fulfilled my lease and why should I pay for someone else 's bad debt. We then asked for a supervisor. She XXXX XXXX who spoke with a slight foreign accent ) told us that it was non-negotiable and that out of the {$2500.00}, {$2000.00} going to Ally and {$500.00} was going to the dealership, which my salesman & finance manager denied. She actually got a bit irate at XXXX point when speaking with my husband as she thought that she was speaking with the salesman. However, my husband introduced himself by his name as the XXXX. Our salesman confirmed this with her. The residual value was the number that they worked from to get my lease terms and what the car '' s purchase price should have been at the end of the lease. So they charged us, {$2500.00} more than the car 's residual value and of course, financed it for us. We are already upside down on the value of our car. We love everything about this dealership, they are professional in every way! Let this complaint be no reflection on them. Their hands were tied. It 's Ally Bank that did n't do the right thing. We feel cheated & taken advantage of. This happened Saturday, XXXX XXXX, XXXX between the hours of XXXX XXXX and XXXX XXXX eastern standard time. Please see the attached lease agreement.
I received a call on my home phone on XXXX/XXXX/2016 from a foreign sounding woman claiming to be from Midland Credit Management, stating that they were debt collection agency and that I had an account with them, originating from a XXXX XXXX Bank and that I had a balance of over $ XXXX and had a payment arrangement that I was NOT honoring. I told the woman I had no idea what she was speaking of and this was the first time I was hearing of this. She knew my information and continuously tried to get me to confirm it but I refused. I checked my credit report right away and seen no such thing. I ended up hanging up on this woman so I could look into the matter. I then looked up the company and called their toll free number. A foreign sounding man answered and repeated the same process with who they were and they collect debts. This time I did give my social security number but absolutely nothing came up. Then I gave them my address and after being put on hold, this man began coming up with a bunch of different accounts that I was in the dark about and asking how I was going to take care of these. I did not agree that they were mine and hung up as his tone got very nasty with me. I do n't know who these people are, their website seems legit, but I do n't appreciate receiving harassing phone calls for debts that are NOT mine. I was also forced to keep providing and MCM account number, which I do NOT have and have no reference to anything of the sort.
I opened a promotional checking account with JPMorgan Chase Bank which promised a {$300.00} checking bonus if 1 ) you are a new customer ; 2 ) you deposit {$25.00} at opening ; and 3 ) there is a direct deposit made to the account within 60 days of opening. 

I opened the account on XXXX/XXXX/16 ; first direct deposit cleared on XXXX/XXXX/16 and I received a confirmation e-mail from Chase. The bank never paid the {$300.00} checking bonus, even though all XXXX conditions above were met ant they had confirmed receiving the direct deposit in my account. I contacted them about it, they said they would not be paying the bonus because the amount was processed as an ACH payment, not a direct deposit, which does not make sense, because all ACH does is process direct deposits. Additionally, the Chase branch manager said she could not honor the promotional terms because she was not familiar with XXXX, the online payment platform used for the direct deposit to my account, and maybe it was something new. However, when opening the account I explicitly stated that this is what I use as a XXXX to process payments and was ensured that, as long as there is a direct deposit made to my account within the promotional period, I would qualify for the checking bonus. 

It seems that there are a few issues at hand here that Chase is using to entice new customer - 1 ) they are discriminating against XXXX who, based on recent statistics make up over XXXX of the workforce in the US ; or 2 ) they are misleading the customer to believe ACH deposits are any different than direct deposits. By the widely accepted definition, " Direct deposit '' is a term used to refer to the process where a payment ( most often, wages or recurring electronic benefits ) due to an individual ( " receiver '' ) from another individual or company ( " originator '' ) is sent electronically from the sender 's bank account to the recipient 's bank account. This process uses a nationwide system known as the automated clearing house or " ACH ''. In other words, there is no distinction between an ACH deposit and a Direct deposit. 

Of course, there is always the possibility that their personnel is poorly trained and would promise anything, even if they know it is not true, to get a new account opened. In either case, it is extremely disturbing that at an institution like JPMorgan Chase new customers are signed up using false advertising and even more disturbing that certain customers are discriminated against based on their occupation.
I opt out from XXXX XXXX XXXX. on XXXX/XXXX/XXXX. I have XXXX Inquires within a 2 year period on my credit report. I opt out from XXXX XXXX. XXXX/XXXX/XXXX inquires on my credit report I opt out from XXXX XXXX/XXXX/XXXX. XXXX inquires on my credit report I opt out from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX on XXXX/XXXX/XXXX with XXXX inquire I opt out of XXXX on XXXX/XXXX/XXXX with XXXX inquires I opt out of XXXX XXXX XXXXNo knowledge of this company. I opt out of XXXX on XXXX/XXXX/XXXX XXXX inquire No knowledge of this company I have not given any of these companies permission to snake into my credit report. Please remove these companies
I have instructed Speedy Cash more than once to never debit my checking account for any reason. And today they debited my checking account for {$190.00} without authorization. Please see one email below I sent them : From : XXXX XXXX XXXX Sent : Sunday, XX/XX/2017 XXXX XXXX To : Speedy Cash Subject : Re : Payment Unsuccessful Notification Dear sirs, I instructed your representative twice specifically to not save my payment information after my last payment on XX/XX/17. Speedy cash is never authorized to save my payment information. If you have inadvertently please delete it from your system immediately! 

Last four of my social XXXX DOB XX/XX/XXXX Sincerely, XXXX XXXX XXXX