WillisBack/dataset-financial-user-claim huggingface dataset:
The collection company involved, Bayside Capital Services, while we were visiting my Aunt and Uncle in XXXX, somehow found out we were down there and somehow obtained my Aunt and Uncles phone number. They began calling them wanting to talk to my wife, and threatening that if my Aunt and Uncle did n't put us in contact with them immediately that they would receive a visit from an unspecified person, an assertion that greatly upset my Aunt. 

We live in XXXX, XXXX miles from my Aunt and Uncles house, and we had no contact with them while we were down there. How they found out we were down there and obtained my Aunt and Uncles number is very concerning. 

When we got home, they called and spoke to my wife, the first communication we have had with them, they immediately demanded that we make a payment to them or we would receive a visit from an unspecified person, my wife was scared by what they were telling her and she consented to making a payment. 

I sent them an email, explaining how upset I was and telling them that I was aware of the requirements of the Fair Debt Collection Practices Act as far as what they are allowed to do to communicate with us, and also what they are required to do, including furnishing us with the relevant documentation and allowing us the requisite time to dispute the debt. 

The next morning, they deposited the money they had coerced my wife into allowing them to deduct, back into our joint account. They then called and addressed some of my concerns that I addressed in my email, we missed the call, they left a voicemail. 

I called them back and they immediately began attempting to try to get me to just go along with their ridiculous, illegal tactics, I did not. 

I explained how upset I was about what they told my Aunt when they spoke to her and the individual I was speaking said that I had no proof that they had said those things to her, intimating that my Aunt is lying ... which greatly upset me. 

I told them I was going to pursue legal action against them and I hung up.
On XX/XX/XXXX, I sent a dispute to the credit reporting agencies requesting proof of each account as well as a fair investigation for each account. On XX/XX/XXXX, the disputed items came back as verified. XXXX, Equifax and XXXX has not properly verified a bankruptcy record on my credit reports. The bankruptcy record is inaccurate and is found to be incomplete. An affidavit ( a sworn statement of facts ) was sent to the Federal court asking them if any information was released to the credit reporting agencies. I sent XXXX, Equifax and XXXX  a notarized Affidavit and correspondence directly from the Federal Court stating that no information has been given to them. If the agencies did not verify a bankruptcy record with the courts, how did they complete the investigation? This investigation is incomplete. If the court did not send them information on the bankruptcy record, then my disputes were not properly verified. I do plan on taking legal action per [ 15 U.S.C. 1681i ], Section 611 ( 5 ) ( A ) ( i ) If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. This inaccurate and incomplete bankruptcy record is causing me unnecessary financial hardships due to the incomplete investigation of these credit reporting agencies. I need would like assistance on this matter asap before taking further legal action.
I have nonauthorized credit inquiries. I filed disputes to have them removed but nothing was done. Some inquiries are duplicates and were added the same day.
I received a pre paid card from my employer in the amount of {$25.00} around XX/XX/XXXX. The card has a valid through date of XX/XX/XXXX. I called to get a replacement, and the XXXX   wanted a {$15.00} fee to replace the card! That's 60 % of the value of the card. I called to have them waive the fee and send me a replacement and they refused. The card even says on the front that the 'FUNDS DO NOT EXPIRE '. This is unacceptable that they would charge a fee, and to think they can get away with charging XXXX dollars to replace it is even worse. 

I also had another card which still had {$6.00} which they refused to replace it as it was below the {$15.00} amount they would charge as a fee to replace it. This is practically stealing my money. This second card was given to me in XX/XX/XXXX and has a valid through date of XX/XX/XXXX. This second card also has the 'FUNDS DO NOT EXPIRE ' clearly on the front of the card. This is extremely misleading and leads you to believe getting a replacement card will be absolutely no problem.
This company is automatically charging me their legal/attorney fees for a court summons, and including those fees in the settlement on top of the original debt plus interest. I was n't even notified or aware of the debt or that I would be sued. I was n't even aware of the debt itself, I had to contact the original creditor to confirm their contact information.
XXXX XXXX, the collection agency for XXXX XXXX XXXX  is reporting that I have a missed a payment 4 months ago for an account they have been trying to collect for 4 years. Because I repeatedly disputed it to have it removed, they updated the information as if it's current and accurate information. It's damaging to my credit and reputation. 
Please remove the account permanently from all three bureaus. 
Thank you.
Hello, On separate occasions, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, I was charged a {$35.00} overdraft fee. However, Wells Fargo states that I can avoid fees by placing a deposit the same day. The issue is, I cant see the deposit till the following day. There is no transparency to see what is pending for checks or card purchases. As of XXXX MST last night XX/XX/XXXX the cut off time set by Wells Fargo, my account was in the black but at XXXX XXXX XX/XX/XXXX there was a negative balance. The same thing happened on XX/XX/XXXX & XX/XX/XXXX. I deposited money the same day on XX/XX/XXXX & XX/XX/XXXX as soon as the checks hit but was charged with overdraft fees. The issue is Wells Fargo is not showing the checks pending the day before & allowing me time to place money in my account per their rules!
In XXXX XXXX our mortgage was sold to another provider. We were never notified of this change. Our new provider, Nationstar, sent this this information to our old address in another state even though the loan stated our current address. We continued making payments to the old provider who was forwarding our payment to Nationstar without my knowledge. In XXXX XXXX, the old provider stopped forwarding my payments and just cashed my checks. This caused me to be 2 months later with my new mortgage provider who sent me to collections and placed negative information on my credit reports erroneously. An investigation between the two service providers determined that I was never late on my payments and the money was sent to the new provider which brought my account current. However the negative information is still on my credit report and I am having difficulty refinancing my home.
The amount of XXXX was taken from me by XXXX. There was a claim filed then I got the money back. The bank reversed the claim and forced me to pay it back. The claim was filed XX/XX/2018. Wells Fargo gave the money back then claimed it wasnt fraud by forcefully taking me into saying it wasnt.
I contacted Navient in XX/XX/XXXX about my student loan debt. I learned about a lawsuit against XXXX for fraudulent and misleading practices. The Navient representative told me they would investigate my claim, and suggested putting my loans in forbearance. I called Navient multiple times between XX/XX/XXXX and XX/XX/XXXX checking the status of my claim. The representatives would always tell me the investigation is under review. I would be reminded that the loans are in forbearance and the interest will continue. On XX/XX/XXXX, I spoke to XXXX XXXX a representative of Navient, she told me they were still investigating my claim. I asked how long does this investigation take, it has been 22 months? She said she did not have any other information to provide, and referred me to another department titled " Defense Repayment '' XXXX. I spoke to XXXX, she advised me the claim is under review, and the loans would remain in forbearance until XX/XX/XXXX. I asked her how long does this investigation take, she could not provide any additional information. I asked about the interest on the loans growing, she said the loans were still in forbearance where they continue to accrue interest, until a final decision is made. She did confirm the date I filed the claim was XX/XX/XXXX. I went online to see if there were any similar complaints against Navient, and found a lawsuit ( Illinois Attorney General XXXX XXXX ) against Navient for misleading practices. Navient claims they have been investigating my claim against XXXX for fraudulent and misleading practices, and now they are defrauding me. Navient will not give me any information about the investigation. They only tell me my student loans will remain in forbearance, and continue to gain interest.
CFPB Complaint Equifax XXXX/XXXX/16 Account XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX 's reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Equifax Credit Report, or any other credit report for this account, no address or other name. I sent a certified mail return receipt to Equifax requesting delete of this account. I have not been able to verify that Equifax has processed that dispute. 

XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX Bank # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX - XXXX Please visit XXXX for frequently asked questions about your credit report. 
Relief We received your complaint about XXXX XXXX Bank # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. 

Attached : letter direct dispute XXXX XXXX Bank. Certified/return receipt/mail, Response from XXXX XXXX, certified mail sent to Equifax requesting delete and this letter of this CFPB dispute
I had a mortgage with XXXX XXXX XXXX and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX  prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to Pennymac Loan Services sometime in XX/XX/XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that XXXX XXXX XXXX is still listed as closed on one credit report and has been removed from the other report. Pennymac is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.
According to response from XXXX in complaint XXXX ; XXXX has reported to the credit bureaus on behalf of XXXX. According to the goodbye letter from XXXX ( attached ) XXXX was supposed to send a 'Welcome Notification ' that would include my new account number, transition information, etc. This information was not received. XXXX did not have any account information for me and was unable to pull up an account for me when requested during multiple calls prior to XXXX XXXX taking the loan back. I would like XXXX to provide a copy of the welcome letter with new account information to prove I was notified and to show they were servicing my loan from XX/XX/XXXX - XX/XX/XXXX as noted by XXXX in the attached document.
On XX/XX/XXXX I did apply for a Cash Wise credit card from Wells Fargo. I am already a customer of Wells Fargo, so I applied after logging in to my account. The application was instantaneously approved, I received an email about teh approval on XX/XX/XXXX. My online account reflected that this was opened. I was also seeing on my credit report that a hard inquiry was made about my credit, which made my score drop from XXXX to XXXX. 

On XX/XX/XXXX I noticed when checking my account, that the new account was showing that it was closed. I contacted Wells Fargo thru the website, but was told, they would not answer online. 

On XX/XX/XXXX I called them. ( I am currently travelling so this was an interantional call and I made the agents aware of that ). All together I was transfered to 5 different agents and had to give them all my details again after each transfer. It was annoying and expensive. 

Finally XXXX XXXX XXXX from the Credit Executive Office told me, that her office and the fraud division had decided that my application was fraudulent. I asked, why they would not inform me about this? I did n't get an answer. I also told her, that I want to file a complaint with the regulatory body in charge and asked her, whom I would have to contact. She said, her office was the highest authority and there was no address she could give me. I also wanted a written appology and explanation, why my account was closed. She denied that. 

She promissed me that they had initiated procedures to eliminate the hard requiry from my records at the credit agencies, but this would take time. I would not get confirmation by Wells Fargo about the successful removal, but would have to check that myself.
Long story short Prestige has deliberately falsify information to my account by not crediting payments and adding fees to my account. These are predator lending tactics by increasing the balance of the loan. Example balance was XXXX one month the next month its XXXX The duration of loan was 60 months beginning on XXXX XXXX2013.
there has been a total of 48 payments paid including 2 lump sum payments and attorney fees. Also they never reduced the interest rate as stated in the contract after the first year ... .Prestige is reporting inaccurate balances and misleading information on balance and payoff. I DO NOT OWE XXXX on this loan.
This is disputed by myself and the Bankruptcy Court.
Prestige are steady harassing me about my loan with unwanted phone calls about my loan is 27 days late, and threats .The loan is current and ahead, if they would apply the payments correctly. Prestige needs and give me credits for lump sum payments that were never applied to the principle balances ...
Prestige has very bad history of scamming consumers. Consumer reviews are the worst ever ... This needs to stop!!!
My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him.

After a few months he left the apartment and defaulted on the lease.

Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month.

I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.
this is against three debt collectors capstone credit, XXXX XXXX XXXX, and XXXX XXXX XXXX, i have disputed the information on my credit report 8 times capstone credit is a debt collector that bought this debt from an apartment complex name XXXX   XXXX XXXX, im sending you documents about this account first thing i recentcly found out that i was declined entry on my origanal application and when i was evicted in XXXX they only wanted possession they never filed the second part of the eviction under florida law to go after me for rent i owed they put it on my credit reports in XXXX of XXXX, when they had 20 dayafter the final date of XX/XX/XXXX to do so. XXXX   XXXX XXXX was a lease agreement that i entered into to get furniture in XXXX subsequenty the building was condemed in XXXX XXXX so they could not of delivered it to that address in XXXX as the building was torn down in XXXX of XXXX an as you look at the signature line there is not one on top of the fact that they are not licensed to collect debt in florida .XXXX XXXX XXXX was a medical bill that i proved did not belong to me and had it removed from my XXXX  report and now they have added it back to my XXXX report and my XXXX report
XXXX XXXX XXXX has been accusing me of owing this bill for quite some time, I have tried to explain on several occasions that this bill is not mine, that I did not, have not purchased any mobile devices from them at this amount of money. I have consistently DENIED ever having or purchased Anything from them at those cost. I had filed a Identify theft report as to items o my credit report that were not my debt and those were resolve, but that darn at & t are still insisting that I owe this debt. they use to call Every day until I changed the number, I would get bill, the reps. would say to me do n't you want to have good credit, or they would say, what if you decide to buy a house or a car you wont cause your credit will be poor, and some would say you cant just make debt and not pay. but the one rep that told me to prove that I did n't owe the debt was Very disrespectful, and mean for no reason.
I 'm making this complaint due to the fact that XXXX is reporting accounts that were not corrected, verified or removed. I do not understand how the government allows these companies to violate the FCRA when there are very specific regulations that state that they can not! 

I 've been disputing these since XX/XX/XXXX and this was never corrected even though I have pointed out numerous times to no avail. What I do not understand is that the burden of proof is on the bureaus and creditors, per Congress in XXXX XXXX TRANSUNION XXXX! 

XXXX XXXX is listed 3 times and 2 of the accounts are reported as 60 days late and have not been updated snce XX/XX/XXXX and XX/XX/XXXX. Obviously, if I were 60 days late on these accounts, there would be a balance as well as charged-off. Accounts do not just stay 60 days late! In addition, these accounts are not reported as transferred. TransUnion is even reporting both accounts with monthly payments of {$1300.00} and {$5800.00}! How can this be when the accounts are closed and have not been updated or paid on for years? 

These must be deleted immediately! I have even disputed with the creditor and have not received any replies whatsoever. I need to know why this is occuring, why these are not being updated and why they are still on my credit report after having been notified and not corrected. 

I require that these are deleted per the requirements of the FCRA immediately.
i believe im a victim of identity theft and fraud.i am unable to get my credit report due to not knowing answers to questions about activity in 2009. I have never applied for a mortgage loan, ive never owned a credit card, ive been trying to establish my credit and this is an issue. my report from XXXX was accurate except for a few addresses listed, equifax however did not allow me to obtain a report based on the information they have not matching my information. please help me to obtain my reports so i can see what is wrong and i can go about filing report
XXXX XXXX continues to attempt to collect on a debt in the amount of {$1000.00} that I do not owe. I have written XXXX debt verification request letters and instead of receiving requested information, my account was transferred to a collection agency, RPM, who is requesting payment for an amount I do not owe.
A company calling themselves XXXXXXXX XXXX at XXXX is threatening to serve my husband at work and sue us for a debt that we paid many years ago. Original creditor was XXXX XXXX and our account is paid in full. This is the second time this same fake debt has attempted to be collected using threatening tactics. They are calling my husband, me, and my father in law with these threats.