WillisBack/dataset-financial-user-claim huggingface dataset:
Cash Central of XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX phone XXXX, sent me a letter stating I owe a debit. I have never taken a " Payday Loan '' with Cash Central or any of its affiliates or companies. I have never taken a " Payday Loan '' from any company. 

To date I have sent Cash Central 3 letters via USPS Certified mail return receipt requested : XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 All asking for validation of the debit and asking specific questions to attempt to verify exactly who took out the loan and to correct this company in thinking I took out the loan. To date they have not responded to any of my letters asking for more information.
I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question XXXX OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.
I paid off a medical debt from XXXX Hospital on XXXX XXXX, 2016 through a collector, XXXX XXXX XXXX XXXX XXXX XXXX. The settlement terms were that the " hospital and the patient release each other from all claims related to the charges for the above referenced account. '' This was for settlement in full. On XXXX XXXX, 2016, I was contacted by mail by Capio Partners that I still had a balance due on this same account with XXXX Hospital. Both Capio and XXXX said it was a mistake and my balance is {$0.00}. If I was an older lady, perhaps with XXXX, and the threat that my credit report may be effected, I might have paid this! It very shady and deceptive collection practices on both Capio and XXXX Medical Center.
There is a new account opened that states it 's been open since XX/XX/XXXX. I was born in XX/XX/XXXX so I would like them to fix this error before I make any payments.
I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - XXXX DATA BREACH ... 

^^^^^^^^^^XXXX IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Credit Cards XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXXXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late
XXXX was hacked! I was possibly affected. I tried to enroll in protection program and was told to save the website and come back on or after XXXX XXXX. XXXX should have immediately enrolled every consumer affected or possibly affected and then contacted the consumer with the news and reassurance they were enrolled for a lifetime of credit monitoring!!!! The executives that cashed in before announcement and before stock tanked should be investigated and jailed!
I have several accounts with Discover Card. I made an extra principal payment and the check bounced because the bank did not release the funds on time. However I still made the necessary payment to Discover Card. XXXX XXXX then decided to close all ( 5 accounts ) of my Discover Card accounts with no reason provided. All accounts were in good standing with no defaults. I then received a letter saying " WE ARE NO LONGER ABLE TO MEET YOUR SERVICING NEEDS ''.
In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my XXXX report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX  reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. Experian does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to Experian, XXXX, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with Experian, XXXX, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for XXXX  to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
I was checking my credit report and I realized there is a collection in my history about an student loan and a " Judgment '' which was disputed long time ago and was removed from my credit report by XXXX XXXX and XX/XX/XXXX but Equifax. I have contact Equifax several times and explained to them my reasons, but they keep showing these XXXX wrong info in my credit report which cause me huge financial burden and problem.
I was charged {$170.00} for renewal of a credit card that I did not need or use. At the time I was cancelling the card I was led to believe that the " points '' associated with that card would remain intact for me to use for the purposes that were available ( airfare, hotels, etc ). However after the card was cancelled I found that I had forfeited all of my points. The value of these points on a " cash out '' basis would have been about {$1200.00} which clearly had I known about would not have exchanged for the {$170.00} the bank wanted to charge and which I chose not to pay. My telephone conversation with the customer service agent was recorded. At no time did he indicate to me that I was going to lose my existing balance of earned points under that card account.
In XXXX i reviewed my XXXX report. a collection account is there from XXXX listing HOUSEHOLD FINANCE as the original creditor in the amount 0f XXXX and a current balance of XXXX I have never had an account with household finance, so i disputed with XXXX based on the fact that the account is not mine. 
I received a phone call from XXXX XXXX @ XXXX XXXX the very next day informing me that it would not be deleted from XXXX because they dont work for XXXX, XXXX works for them. He stated that the only way it would be deleted is if i paid it. He then threatened to report it to the other XXXX bureaus if i did not pay it off by the end of the week. 
When the dispute closed with XXXX in XXXX, the account was upheld with now a XXXX balance. 
XXXX is refusing to answer my letters to validate the debt, and they will only give me a PO BOX as a mailing address, so i can not send them any legal documents to sign for. 
They also lack the surety bond that is required by my state to collect or report a debt as a collection agency. 

to this day they still will not give me any information to verify the legitamacy of this aleged debt.
I opened my first credit card about 6 years ago with Bank of America. I ended up closing my account 2 years after initially opening the account. There was a {$30.00} annual fee with this credit card. Those fees were paid in full with zero balance. Now, I am trying to refinance my house, and I have a {$18.00} balance that is long past due. I was never even notified about this past due balance. This is affecting my credit, and I need this {$18.00} balance removed immediately. I feel this balance is an error, but I am willing to pay the balance. I greatly appreciate any assistance.
On XX/XX/19 the Vice President of Human Resources at work received a phone call stating that if I did not call them back today they would have me served either at home or at work. When I called the company back they didn't not give me the mini miranda disclosure they said that there was a pending case against me that included 3 charges. The lady on the phone said that I can be served and settle in court for a large amount. Or I can try and settle out of court but she didn't know if i would qualify for that. But in order to get my case out of pending trial I needed to make a payment that day. I did set up a payment and set up a reoccurring amount. When I asked if they would send me something stating we had a payment arrangement and my payment schedule they stated that the only communication they would send me would be when I finished paying off the amount and my account was paid in full, and in order to receive that letter I had to call them back and request it otherwise nothing would be sent. 

I called back on XX/XX/19 to see if there was any way I could set up lower payments because I would not have the funds available on the second withdraw do to my rent payment. They lady I spoke to today said there was nothing she could do to help me and i stated I'm willing to make payments to pay this back but after I pay rent I may not have enough to cover the payment she stated that if they processed the payment and it failed then they would proceed with court procedures.
My credit cards were stolen last year including Chase ending in XXXX. My credit dropped from 700 's to below 500 's. All credit companies have worked with me except Chase Cardmember Services, XXXX XXXX XXXX, XXXX Delaware XXXX. I had health issues, then theft, then Hurricane Harvey, 34 '' water in home, lost office, a catastrophe that is still existing. Chase said that I said " I can't remember '' or I don't know and based their decision on tha and that I didn't contact Chase, Didn't make payments on card, and didn't contact Chase until XX/XX/2018. This is not true. Chase doesn't understand being overwhelmed or catastrophes. Chase allowed the thief to make payments that then bounced thus allowing the thief to go above all credit limits. Chase did not research the accounts used to make these payments and will not send me the account info used thus protecting the thief. I have been very open and will assume all debt that was mine prior to theft. I was coerced by Chase collections to make a payment and then fraud department said I assumed the debt by making a payment. I want to pay only what I incurred and I want to continue payments as before theft.
re : my mortgage with XXXX XXXX XXXX loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XX/XX/17.they never wrote me or call me to ask me about this missing payment So on XX/XX/XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XX/XX/XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.
On XX/XX/XXXX received email from Lowe’s Synchrony Bank  stating my payment was late. I phoned them because I had made my recent payment in store. In the phone conversation it was discovered I had been told the wrong amount. I noted that my available balance was off and was told that my limit had been decreased. Prior to this confusion over the payment, my payment history with them has been excellent. The agent stated that they had pulled my report on XX/XX/XXXX of this year and based on that report they lowered my limit on XX/XX/XXXX The information was outdated and erroneous. The one reason given listed was present when I opened the card in XX/XX/XXXX. I disputed an unauthorized inquiry from Wal-Mart synchrony bank and feel this is tied to that.
TransUnion you are inviolation of FCRA 623 and FDCPA 806 { b } which statesthat a credyor must enter a notice of dispute if this is not entered the account can not report on the credit report BUT you still report it Knowing that its in dispute, .Also failure to report that the account is sold to who with no address or any information still listing as XXXX  , There is no last payment date No name of who account was sold Balance still showing no listing of in dispute REF : XXXX  CFPB there need not be another 60 day investigation you have all the document facts along with the CFPB showing that there is NO evidence that account is mine or ever made by myself. the two violations listed above in its self warrant the removal of the account immediately, the CFPB should enforce the violation from you to remove it
I was informed by Equifax that I was possibly affected by the breach that Equifax has going on. I enrolled in their free product trusted ID and this service give XXXX the option to lock and XXXX lock your report. I kept my report locked because as stated by Equifax I was possibly at XXXX of identity theft. I had my report locked and went to unlock it as I tried to apply for credit. Got a error message that my request failed to unlock it. Friday XXXX XXXX XXXX gets a letter from Equifax that a fraud alert had been placed on my account. I never requested any fraud alerts and no disclosure advised that by locking my report that they would take it upon themselves to place this alert. Unbeknownst to me that would notify the other bureaus informing them to place an fraud alert on my report. Such a nightmare I am experiencing. I contacted Equifax to try and figure out what was going on and the XXXX hours I spent on the phone with them and the XXXX reps I spoke with had no clue how to help me and to this day my report is still locked. No one apparently knows how to unlock it. I never received an PIN numbers for my credit to be pulled when applying for credit! All I can say is this is such a night mare.
PNC of XXXX Ga ..XXXX ga have charged my account several times for over-draft fee's.. I have went into bank and signed papers for as my account shall never be over drawn ... they have taken thses fee 's off in the past.. now they have taken {$100.00} from my account
Please refer to your compliant number XXXX concerning, among other offenses, harassing robocalls asking for the card holder to establish an automatic charge to our bank account. All facts described in that complaint remain the same. CITI has developed some method for circumventing the call lock on their number. The credit card account was never activated therefore and the balance consists of disputed transactions and accrued interest which were reported to CITI on XXXX/XXXX/16 as soon as the transaction were discovered. The balance is not a legal debt and the account was never accepted or established by the named card holder. Therefore, there exists no legal basis for the debt and thus no basis for the harassing calls. In addition, circumventing our call blocking system demonstrates a pattern of harassment. PLEASE CORRECT THE LAST XXXX OF THE SSN ON THE ORIGINAL COMPLIANT. IT SHOULD BE XXXX INSTEAD OF XXXX.
Automated payment that I setup with Synchrony Bank/XXXX was flagged as fraud by my bank. The payment was thus denied to Synchrony and ended up late. I have since setup a new recurring payment but Synchrony needs to reverse the XXXX dollar late fee they charged my account since they were flagged as fraud by XXXX XXXX XXXX.
I reported to XXXX to investigate 2 hard inquiries on my Equifax and XXXX  credit report and they found that the inquiries were to be removed since XX/XX/2017. XXXX and I have fax and mailed numerous letters to remove credit inquiries ie XXXX ( XXXX XXXX  ), XXXX ( XXXX XXXX  XXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client : XXXX/XXXX reported account XXXX This account is unknown to me and were opened in result of theft of my identity in XXXX. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after unsuccessful attempts to delete via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package including signed contact to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.
CFPB original complaint # XXXX. Pinnacle failed to respond to complaint in timely manner and has altogether refused to respond to consumer. Pinnacle parked this alleged debt on consumer 's XXXX Report and failed to validate or respond to consumers multiple requests for information. Pinnacle fails to respond to CFPB inquiry. Pinnacle does not show proof of ownership of alleged debt yet their reporting has caused the consumer to be denied credit and is in violation of FCRA and FDCPA law. This item must be removed from XXXX report.
XXXX XXXX credit card balance is incorrect balance should be updated to XXXX XXXX XXXX credit card balance is incorrect balance should be updated to XXXX
Everyday they call from random numbers, even though we told them to use their corp number and disclose their name. 
I tried to call them on their XXXX and XXXX number today repeatedly and it rings and hangs up. 
We can not set up a repayment plan if they will not be reasonable and work with us. 
It's very unprofessional on their part and the calls come starting at XXXX XXXX. and end around XXXX XXXX. SOmetimes three or 4 calls in a row from random local numbers spoofing their calls. We don't answer unknown callers. Period. NEver have so they need to disclose their business name and they need to answer so we can make reasonable efforts to repay.
I WENT TO APPLY FOR A NEW APT . TODAY AND FOUND OUT I CAN NOT MOVE INTO ANY APT . BECAUSE I WAS IN DEBT COLLECTION FOUR YEARS AGO WITH HUNTER WARFIELD AND IT WAS PAID XXXX XXXX  2014 IT WAS NEVER SENT IN TO BE TAKEN OFF MY CREDIT HISTORY. I WAS LIVING AT XXXX XXXX WHEN THIS TOOK PLACE AND IT WAS A MISTAKE AND IT WAS PAID FOR. PLEASE CHECK INTO THIS MATTER SO I MAY MOVE FORWARD. THANKS