WillisBack/dataset-financial-user-claim huggingface dataset:
keep calling me and wife saying " this is XXXX from intergrated services call XXXX failure to do so will expedite employment wages and liquid assets protocol. 
They were asked to stop calling said i need to call back or my lawyer and hang up the phone
On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems LLC ( Original Creditor is : XXXX ). After several failed attempts to contact Jefferson Capital Systems LLC by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did Jefferson Capital Systems LLC never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that Jefferson Capital Systems LLC is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on XXXX statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time Jefferson Capital Systems LLC increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.
I purchased a vehicle through XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The vehicle was voluntarily surrendered on XX/XX/XXXX. On XX/XX/XXXX the vehicle was sold. I was sent a notice stating the balance owed was {$3100.00}. At some point in XXXX, the account was sold to NCB Management. NCB Management is reporting a balance of {$2100.00}. I requested validation of this account XX/XX/XXXX. On XX/XX/XXXX2018 NCB forwarded me documents from XXXX. Upon reviewing the documents I noticed that XXXX falsified the amount owed. The amount owed was indeed {$2100.00} instead of the amount they originally told me. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. XXXX is also reporting my last day of payment as XX/XX/XXXX but it is not reflected in the itemized list of payments. This would decrease my total amount owed by {$360.00} so again, this is illegal. Furthermore, XXXX is in violation of their Arbitration clause by sending my account to a third party, NCB Management. NCB Management has no legal right to collect the debt and by the reporting of this debt, they are in violation of FRCA.
Cap One appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an Capitol One card. I been an authorized user on my mother card the last past 3 years. 
XXXX XXXX appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone. 
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XXXX XXXX. 
XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company. 
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry. 
XXXX appeared on my credit reportXX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXXXXXXXXXX. 
Thanks
case XXXX acct ending in XXXX The bank has become increasingly unwilling to answer any questions I have they have a case and they have a case number they know my credit card account and they know my name but they send me a letter asking me to confirm all of that information acting as though they don't have it but clearly you have to have it because my name and address is already listed on the letter the account number is listed and the case number with all the information is listed I don't understand why the bank is being so difficult but they have all the information I want them to resolve the case it's that simple
I have multiple dispute issues with XXXX, Equifax and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit  bureaus - NOT the consumer. 

Here is my dispute to XXXX, Equifax and XXXX ( below ). Due to the fact that these accounts are reporting  inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/XXXX while Equifax shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : XXXX and Equifax $ XXXX/XXXX {$150.00} Status : XXXX : 30 days late/Equifax ; : 60 days late/XXXX : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.
I submitted a complaint with department previously ( Case number : XXXX ). My mortgage company, Nationstar, responded that they " needed more time to respond '' and then CFPB dropped the ball and there is nothing further in the file. The issues have not been resolved. The mortgage company has not granted the promised modification, even after asking me to sign, notarize, resend the documents, and send more payments- all of which I did.
Caller has called my Wife and given her information about the debt. He did not ask who she was, but he offered the information without verifying who she was. He has been abusive to my wife and she does not want to talk to him again
On XX/XX/XXXX I sent a correspondence to XXXX, XXXX ( received XX/XX/XXXX per USPS tracking XXXX and signed for by a XXXX XXXX ) in regards to this corporation being sold an alleged debt, that is not mine but is in my name. I initially request for a lawful verification of the alleged debt and advised that attempting to collect is in violation of 15 U.S. Code 1692g. I initiated this correspondence before receiving any communications from anyone from  XXXX, XXXX. On or about XX/XX/XXXX I received 3 ( three ) correspondences at once from a Resurgent Capital Services that claims to service XXXX, XXXX accounts. All of these correspondences are dated XX/XX/XXXX, which is very odd since all of the content of these correspondences say different contradictory things. One claims that I have 30 days to dispute the validity of the debt, which I already initiated on XX/XX/XXXX before receiving any communication from XXXX, XXXX  or any other organization ; another requesting an affidavit from me, when they are the ones that need to provide a sworn affidavit to verify the alleged debt, not me ; and finally the remaining correspondence claims to have provided verification of the alleged by providing so called statements which may have been forged from the alleged original creditor ( XXXX XXXX BANK ). This sending 3 simultaneous letters with different content appears to be some type fraudulent and unlawful act on the part of representatives from Resurgent Capital Services and XXXX, XXXX. Also, none of their correspondences provided anything from my initial request. I immediately responded and sent another correspondence dated XX/XX/XXXX ( the same day I received their communications ) rebuking their fraudulent correspondences, it was received on XX/XX/XXXX per USPS tracking number XXXX and signed for by a XXXX XXXX. As of XX/XX/XXXX, I have not received any response from a representative of XXXX, XXXX or Resurgent Capital Services which demonstrates to me that this corporation and it's representatives are intent on practicing fraudulent and unlawful activities. In addition to this complaint I have filed a police report with my local Police department ( XXXX Police Department TR # XXXX ) as one of the final steps before pursuing litigation. I have attached copies of my XX/XX/XXXX and XX/XX/XXXX correspondences for the record.
I was automatically deferred for repayment by enrolling in a college that participates in the nation student loan clearing house. As a result of my deferment, the private lender, Discover Student Loans, removed a 0.5 % interest rate deduction I was receiving for on-time payments. I called the lender today ( XXXX/XXXX/XXXX ) ( after a secure message sent on their website on XXXX was not responded to XXXX to remove the deferment ( since I did n't want to be in deferment anyway XXXX and to return my account to repayment status, however, because of the way their system works, this repayment status wo n't take effect for another XXXX months in XXXX, therefore the XXXX % interest rate reduction wo n't be in effect until after that XXXX date. My interest is capitalized into the loan after deferment ends, so as a result of no action of my own ( since this was triggered by an automatic process XXXX, they removed a loan benefit from my account and will not restore it promptly, causing me financial loss as a result.
Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; XXXX, XXXX and Experian contacted the creditor, XXXX XXXX XXXX. Instead of correcting the account record, on XXXX/XXXX/2016, XXXX put my account into delinquency till a Law Firm I engaged complained XXXX improved the account on XXXX/XXXX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX XXXX XXXX account as proof that I owe them no monies as of XXXX XXXX, 2016. XXXX should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XXXX XXXX, 2016 on payment in full of balance then.
AT the beginning of XXXX I received notification from SearCard that if I did not use my credit card to make a purchase they would be lowing my account limit. Ultimately this will impact my credit score in some manner. On XX/XX/XXXX I contacted the company and explained that I had not used the card because I had purchased a washer and extended warranty in XXXX and had not had any need for another large purchase. I did not see this as my account being inactive but rather just not needed. I was told that I would need to make a purchase, even if it was only {$1.00} to keep my account active because they were protecting me from fraud. I questioned this and stated that I could verify that my account was with me and had not been used, the supervisor I spoke with ( XXXX ID # XXXX ) told me it did not work that way. I explained that telling me that I had to buy something to keep Sears from harming me was blackmail. He stated that I had no way of knowing if it would affect my credit rating unless I contacted a credit rating company and that I should not put words in his mouth (? ). I clarified again that if I did not purchase something with my credit card, Searcard was going to lower my credit, knowing it would impact my credit and they were doing this to " protect me from fraud '' even though I had contacted them to let them know the card was not inactive just not needed. He stated yes, that was the action that would be taken by XX/XX/XXXX.
Spoke with creditor back in XX/XX/XXXX and XX/XX/XXXX in  regards to removing the fraudulent hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Creditor stated that they would remove all inquiries and till date it still shows up on all three creditor report.
I overpaid my credit card by {$220.00}. I subsequently closed the card and have not received a refund in over 120 days even though the statements I receive say " We will send you a refund of any credit balance of {$1.00} or more after the credit balance has been on your account for 60 days or upon your request made to customer service. '' I have tried calling the customer service number XXXX different times. It does n't connect me with a person, just a message saying they 're closed and to call back during normal business hours. But, it does not tell me when they are. Please help me obtain my money back.
Nationwide Debt Management Solutions ( Rep. XXXX ) contacted my job and spoke to A Supervisor about a personal debt I owed and proceeded to insult my Supervisor as she was the one who owed the debt accused my Supervisor of covering for me and told her she was n't professional for doing so and preceded to ask to speak to the Manager about my personal circumstances. Ask the supervisor for my personal information. My supervisor explained she was n't able to give out associates personal information and she kept insulting her and kept harassing my dept. supervisor for a total of 10 to 15 minutes.
The short and sweet is this. 
I went to XXXX XXXX for a car. 
They told me that because i had no credit, that they werey only option. They even required me to have a cosigner. 
I was sold a 2006 ford Taurus with a bluebook value of XXXX for a total of XXXX was not fully informed of all of the details of the loan. I was rushed through the signing of the paperwork. 
I was duped. The car is not worth nearly what they charged for it. 
It is usery clear and simple. They practice preditory lending. Anyone can look at any situation from XXXX and see this. 
They are unprofessional and just bad people.
There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Equifax and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed it?
I was a victim of a fraudulent transaction, I asked my local branch of Chase Bank, which I had maintained an account in good standing for almost 30 years, to provide me guidance with the transaction. At the time they failed to provide me with correct bank policies about availability of funds from a deposited check before I can make withdrawal from that particular deposit. This resulted in a loss of {$1800.00} from my account. 

I asked for bank manager and employees help with the matter. At this point, they provided me with the relevant bank policies for the first time, but also told me that they can not assist me any further. 

I believe none of the bank employees, including bank manager,  had been adequately trained to know exact bank policies and procedures, and only educated themselves after my loss had already happened. I also believe these employees were not fit to provide adequate service to the account holders.
I am XXXX of those mistreated borrowers by Green Tree Servicing and its agent XXXX in the State of California. I was threatened, yelled and cursed at with garnished wages, arrest, called a liar and a dead beat. My loan debt was fabricated and was falsely misrepresented. Denied verification and my employer and fellow workers were notified about my loan status. My credit was ruined and I was forced into foreclosure and bankruptcy. This has been an never ending nightmare! 

Since the beginning that Green Tree ( XXXX XXXX ) alleged that my mortgage loan was in arrears and in distress, I have disputed Green Tree 's claim of missed mortgage payments or that my loan was in arrears or distress. 

I disputed in access of XXXX letters, emails and phone calls to Green Tree and XXXX XXXX allegations in XXXX of XXXX that my mortgage loan was in arrears in the amount of XXXX dollars or that my mortgage account was in arrears or distress. I was denied by Green Tree and its agent XXXX XXXX any remedy of an account by written itemization, complete audit or face to face meetings as required by law in the State of California. 


Whereas my contact person, an employee authorized by Green Tree Services with an office in the state of California, acknowledged that after conducting an internal audit in XXXX XXXX, XXXX XXXX and XXXX of XXXX, agreed that my loan was not in arrears or distress. She could not understand why her supervisors refused to authorize any written itemizations or audits of any alleged missing monthly mortgage loan payments. She further stated that she was not authorized to update or service my account. She also conveyed to her supervisors that I wanted a face to face meeting with Green Tree Services and XXXX XXXX. 

Whereas a XXXX XXXX Supervisor requested written verification directly from the vice president of Green Tree Servicing. The request to the Vice President took place in XXXX of XXXX, after she became aware of disputed issues that were proven to be false with valid cashed checks from XXXX Bank issued to Green Tree Services. I was promised by that XXXX supervisor that a written itemized statement showing first missed payments and any additional missed payments would be provided before any further foreclosure proceeding took place. When the final foreclosure proceeding took place in XXXX of XXXX, and after repeated emails and phone calls to the XXXX Supervisor that were not answered or returned, I was in fact not given any such written itemized audits from Green Tree Services on how they determined that I owed {$32000.00} dollars and denied any opportunity for a face to face meeting to mitigate my mortgage loan that was being serviced by Green Tree Services.
back in XXXX I had some difficulties to pay my mortgage, first and second loan I could work with XXXX XXXX services who had my two loans, they helped me with the first loan but the second loan they did nothing with, after they went to bankruptcy the second loan disappear no one could give me any information, two years later a company appear trying to collect XXXX XXXX dollars, but I did not had any money to work with them, now eight year later appear trinity financial, now they have my house for sale on XXXX/XXXX/XXXX
My concerns are the Inquiries that is on my credit report. I am not concern with the bill you see because I taken care of that already. As you can see I sent them a detail report of the Inquiries on my credit report in which I have no clue why they are on my credit report. This is my complaint against TransUnion. In which I wrote to them all asking to remove the inquiries that I did n't not authorize with no one verbally, electronically, or written to pull my credit report.
I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
Commonwealth Financial has been reporting an ER bill/medical collection for {$560.00} to my reports since XXXX 2017. I do n't know where this debt is from, as I have no outstanding medical bills. Either XXXX XXXX XXXX is mistaken in their accounting, or Commonwealth is reporting an erroneous collection. I looked up the company in an effort to contact them directly and noticed they are n't a licensed company. It makes me wonder if the debt actually does exist, or if they just report things to people 's credit to make money from those who do n't ask questions
It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued
Initially when this account was past due, I attempted to make payment arrangements that I was able to afford since I was not working. Capital One refused to accept any payments unless they were the full amount that they were requesting. This caused the account to go into collections. Fast forward to now, Capital One has sold my account to a collection agency who is still not accepting what I am able to afford. This account is ruining my credit and I have had no issues paying all my other debts. This one is completely keeping me from having financial freedom and I have attempted on many occasions to resolve this debt but they will not accept my payment.