WillisBack/dataset-financial-user-claim huggingface dataset:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX ( duplicate reporting ) XXXX XXXXXXXX, XXXX XXXXXXXX ( duplicate reporting ), XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX,
I have XXXX auto loans with Santander Consumer USA with a 24 % interest rate.I 've been a customer since 2012 and my payments mostly go towards interest.I 've requested a modification to decrease the interest rate and payment but Santander refuses to offer any assistance.I was unemployed for five years.Both vehicles have over XXXX miles and the payoff for both vehicles is over {$19000.00} each including interest.It started out as a {$15000.00} loan.Santander needs to offer better assistance for customers who were laid off their jobs, because adding high interest does n't resolve the situation it make matters worse because the vehicle is not worth whatever the payoff amount is.
JC PENNEY has completely failed to established the information you are reporting for the following account is accurate : Instead, JC PENNEY have provided is merely a computer screen print out that establishes nothing. I suggest JC PENNEY familiarize themselves with the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. XX/XX/XXXX et. seq. ) before proceeding any further. I suggest JC PENNEY review the applicable regulations which can be found at www.ftc.gov, the website for the Federal Trade Commission ( FTC ), the oversight and regulating agency for your industry. 

There JC PENNEY will find that, in accordance with the FCBA ( see specifically 15 U.S.C. XXXX XXXX, it is your responsibility to establish the following : No unauthorized charges occurred. 
charges do not list the wrong date or amount ; there were no charges for goods and services that I did n't accept or were n't delivered as agreed ; you did not make any math errors ; you did not fail to post payments and other credits, such as returns ; you did not fail to send bills to my current address ; and charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.
On XXXX XXXX 2015 we sold our home in XXXX XXXX Texas, the mortgage had been sold to carrington. At closing, the escrow company paid the the taxes that where owed, they then sent a copy of the closing documents to carrington, showing that the taxes had been paid to XXXX XXXX tax assessor by the the escrow company. 
Carrington paid those taxes again. After numerous conversations and multiple attempts to resolve this with carrington, they have n't even contacted XXXX XXXX tax assessor to claim the refund. XXXX XXXX tax assessors website still shows the approved refund waiting to be claimed by carrington. Carrington has to file for the refund because they paid it. 
I should not have to wait to get my money when this is clearly carringtons mistake, they should refund my money immediately
Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old Target credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from Target, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.
Owen took my mortgage from GMAC when they did they took all the supposed late payments from them and and added it to the new transaction. I went through the Unemployment while that went on for 5 to 6 months. In at this point I went through a Loan Modification and that is when XXXX took over and I was never late with GMAC not XXXX time. I did n't know it would affect my mortgage history. I was never late with my payments. Not to GMAC or XXXX.How can they do this saying I was late? I had XXXX before and had trouble with them before and thank the good guy GMAC to it over. Being that late do n't you thing I would have lost my house I am still at the same address. XXXX I was diagnose with XXXX XXXX and went through many surgery 's and that is why I got help from GMAC.
There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to zero, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to zero  balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now zero balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, XXXX, Experian, XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to zero, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to zero, and experian this is so frustrating.
Well this number keeps calling me XXXX and the guy his name XXXX XXXX keeps calling me and also called my fiance and i would like it to stop he called my fiance and ask her questions and i wish rhey can stop calling me.
There is a company called XXXX XXXX listed on my XXXX  credit report as a collection account but I have never received any documentation and I have tried calling the number and i can not understand the people answering the phone, tried to explain that the debt is not mine and they got nasty, so i hung up. It does not list the original creditor
Contacted XXXX XXXX XXXX XXXX on XXXX XXXX2018 @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXXXXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.
I have been getting daily calls from the company Key 2 Recovery about a debt owed by somebody else. I have no idea who the person who the debt belongs to is. I have twice called the company back to inform them that I am not the person who owes them money and to remove my number from the account. The second time I spoke to a manager and she assured me the issue would be taken care of, yet the next day I still received a call from them.
I was contacted by an Investigator XXXX of the XXXX working with the XXXX County Sheriff 's Dept trying to find me to deliver a court summons for fraud and they left a phone number for the company that was trying to reach me, not to reach the investigator. I contacted the company XXXX XXXX XXXX XXXX ) and they said I have a pay day loan outstanding that went fraudulent back in 2013. I had an ex boyfriend who was using my information to get pay day loans before so I figured this was just another one. I 'm trying to fix my credit so I just pay them when they come up now. But they wanted my bank/credit card information. I said I 'd rather get a pre-paid card and give them that information for payments. I called back and gave her the prepaid card information and she sent me an email with the break down of the payment arrangements I 'd made. It was then that I realized a couple of things. It is illegal for a debt collector to collect, or attempt to collect, on a payday loan in New York State. Also, she sent me a generic word document as the payment arrangement document. Also, the email address she sent the payment arrangement from is a gmail account. Most companies do n't use gmail accounts. Also, I looked up the company name and it has been reported by other people online for being a scam/fraudulent. I have her email and I have payments set up to be made but no payments were ever actually made to the company.
I was contacted by ProCollect regarding an apartment that I gave early notice to due to health and safety reasons among many others. I told ProCollect I didn't agree with the charges and they told me to fax them a letter of denial/appeal, which I did. I faxed this letter of appeal on XX/XX/XXXX. I called to check on the status of my appeal and was told by Ms. XXXX at extension XXXX that she didn't see my letter in the system yet but not to worry as it takes time to get put into their system for the collection agents to see that. She said they would call me back. Next call I get from Pro-Collect was from an agent that knew nothing of my appeal letter and didn't seem to be interested in looking for it so I asked to be transferred to Ms XXXX but was hung up on instead. I tried calling back but was rudely put on hold till I finally hung up as i had no more time that day to hold. The very next day I get an alert from XXXX XXXX that a collection was put on my credit. This company denied me my right to appeal this debt before damaging my credit. I am a good steward of my credit, and this is the only blemish I have and it was put there in denial of my rights. I am outraged that these companies are allowed to operate as if they make the laws, and people have no rights. I am sure that my rights have been violated. My appeal was never heard before damaging my credit for the next 7 year of my life. I can provide the appeal letter sent to them as well as proof of fax that I received showing it went through to them. As I am writing this, Pro Collect called again and care nothing of the fact that I sent them a letter of appeal. They are like robots that read a script and threaten you without actually listening to anything you say. Shame on these people, and shame on a system that allows people to be treated so poorly. I have excellent credit and have never defaulted on anything in my life. These collection calls are new to me, and I am now realizing how people are treated as if they have no rights. This is barbaric and has got to stop.
XXXX XXXX ie XXXX XXXX was closed by the us govt die to illegal things now on one acct the credit builder act they called it to help increase my score has reported to XXXX and reduced my score by 120 points immediately after not at all fair warning closing of my acct after missing two payments of 22 mo to pay into the Acct and the loan WAS a CD ACCT AT {$1000.00}
i have someone trying to purchase my home and I contacted ocwen inquiring about my payoff amount and when I finally received their quote o was appalled! It is so incorrect and on top of that they added on several fees and late charges which are not correct or right! I have my bank statements to show when they have been paid and on what date! After receiving this I decided to check my credit report and it shows that ocwen listed my mortgage closed back in 2013, which is NOT correct as I have been paying them monthly to this date! I now understand why I have been turned down so many times when trying to get a loan etc. this is illegal and a federal offense to not report to the credit bureau! I also have not received a monthly statement since 2013 and when I have inquired about this issue I was told each time they would correct it and send one, well I have yet to receive a statement! Now I know why cause who knows where my money has been going and based on their payoff quote and my credit report it sure has n't been going on my mortgage! I want this fixed immediately! As I have an opportunity to sell my home and due to all these circumstances and incorrect information I may lose the buyer as he cant wait forever for me to fix the problems ocwen has created!!!
Account Liquidation Services is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I requested verification of debt on XXXX/XXXX/XXXX and got a response. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. After requesting the deletion, the company failed further contact and to remove the debt from my credit report. The company instead added more negative accounts to my credit report in XXXX in which I again requested a deletion of the accounts. The company failed to respond to the request and I had to dispute with the credit bureau instead to have the accounts removed from my credit report. Upon checking my credit profile on XXXX XXXX, XXXX I noticed the company has again added negative accounts to my credit report despite my previous disputes and verification that I am not the individual whom owns the debt.
Halsted debt collector calls me 10 times a day. The phone rings and they hang up after I answer. I use this line for business and it happens repeatedly. I have to call them before they will talk to me. I have asked them to remove this number and cease to call it, but it is continuing to happen.
This is a Debt that I do not owe. XXXX XXXX XXXX Phone service. 
This was a land line I had in my home for many years. 
in fact this so called Debt is over 4 years old. I had phone service with XXXX XXXX XXXX at home and there was some long distance charges on my bill that I did not make, this has happened several times which XXXX XXXX XXXX corrected, so XXXX XXXX XXXX suggested that I make a package change which would help, so trusting them I did make a package change with XXXX XXXX XXXX. Upon the change they tried to charge me the rear amount of the bill that they corrected and I did not owe, so I stopped service with XXXX XXXX XXXX with my land line.
Cascade capital LLC has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.
Debt was previously deleted from my credit report on XXXX XXXX by XXXX after fraud affidavit filed with XXXX and the FTC. This is not my account and I demand that the account be deleted from my credit reports. 

STELLAR RECOVERY INC . 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I was ripped off by Chase. Over the past weekend I sold some tickets to a musical event and was asked by the buyer if I accepted Chase XXXX Pay. I said yes and then called the Chase customer service line to inquire if there was any way that the buyer could cancel the transaction or if I would not receive the funds because of fraudulent activity. I was told that the only way this would happen is if I were to decline the funds. Once I received the quick pay email I then accepted the funds and handed over the tickets to the individual who had just paid me, in my mind, via Chase Quick Pay. I was also informed that the quick pay service could not be used if the person buying the tickets did n't have enough funds or credit to purchase them. Chase 's policy states exactly that sufficient funds or credit is required to initiate the purchase. Wednesday I saw the funds posted into my account and felt a sense of relief. About an hour later I received an alert stating that the transaction was cancelled due to insufficient funds. I said how could this transaction even been initiated if there were insufficient funds? They told me that I needed to wait until funds posted to the account and that it was not their responsibility to insure these transactions. I again asked how the transaction could even be initiated if there were insufficient funds? After 4 hours on the phone they said the executive branch would look into it. Three days later they left a voicemail stating I was out of luck. Should n't Chase be responsible. Their policy states that the funds must be there to initiate the transaction similar to XXXX.
Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on X/XX/17.

Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. C.M.S. is fully aware of this as indicated by them verbally and in writing.

This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from X/XX/17 onward and possibly extended. 

However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency CMS has since contracted with as seen by the attached letter herein. 

I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. 

Very truly yours, XXXX XXXX Re:XXXX
I am writing this complaint with concerns of fraudulent addresses that appear on my credit report that I have never lived at. It is possible that it might be a relative sharing a old address not mines. Please remove delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
HMC, XXXX XXXX Attorney with HMC and XXXX XXXX XXXX from HMC XXXX treated me very unfailry, XXXX XXXX recorded our converstaion incorrectly with false statements leading up to them issuing a garnishment for my wages.
I FILED A DISPUTE ON XXXX ACCOUNT ON MY CREDIT REPORT - AVANT - WHICH LISTED ME AS XXXX MOS. PAST DUE, {$340.00} WHEN IN FACT I MADE THE PAYMENTS AND IT WAS DURING A TIME WHEN I WAS IN TRANSIT FROM MY HOME IN XXXX TO XXXX TO DEAL WITH THE DEATH AND FUNERAL OF MY MOTHER. I WAS CONSTANTLY COMMUNICATING WITH ALL MY CREDITORS, MAKING PAYMENTS AS I HAVE, AND FOR SOME REASON, XXXX, DID NOT RECOGNIZE MY EMAIL ( XXXX ), ONLY XXXX AND DID NOT CREDIT MY PAYMENT CORRECTLY AND I HAVE SEVERAL EMAILS FROM THEM STATING THAT THEY DO NOT RECOGNIZE UNREGISTERED EMAILS, BUY MY IPAD FOR SOME REASON SENT BOTH BUT XXXX 'S SYSTEM, WHEN NOTING THE " UNRECOGNIZED '' EMAIL - REJECTED.
on XXXX2017 I made a transfer of my coins from XXXX/coinbase account to XXXX 
XXXX was a scam, I have requested XXXX/coinbase to cancel those transfers, the reply from XXXX/coinbase was not refundable. 

my account XXXX and XXXX/coinbase locked my account.
My debit card was stolen and I did n't notice at first ( it was switched out with a fake one ). Whoever then stole it depleted my account from an ATM XXXX miles outside of the city I live in ( I do n't have a car, and even XXXX receipts can verify I was nowhere near this ATM. 

Bank of America initially issued me a temporary credit for the stolen amount but then found the claim was denied, taking the amount back causing me to go negative and now are piling on over draft fees. 

I filed a police report the day this happened, appealed my claim and gave them the police report number so they could pull video footage from the ATM ( which would obviously prove it was n't me ). However they denied that appeal as well and I am stuck with nothing to do and my account being negative. 

I thought about taking legal action but the cost of a lawyer might even be greater than the amount taken. Someone stole my money, Bank of America does n't believe me, and I want to prove that it was n't me.
I received 2 personal loans in XX/XX/XXXX from Navy Federal Credit union. The last payment made to those two accounts was in XX/XX/XXXX. The accounts were charged-off. On XX/XX/XXXX, I called to set-up a payment arrangement with them. They agreed to a payment plan with me, however, they refuse to provide any documentation stating the agreement we have. They stated I needed to make three payments and then they can send a letter if I request it. I am not comfortable making {$900.00} worth of payments without something in writing showing what we agreed upon.
Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. 
Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. 
Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. 

This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.
Rodenburg Law Firm is attempting to collect a debt that they purchased from XXXX. I have never entered into a legal agreement with this debt collector.