WillisBack/dataset-financial-user-claim huggingface dataset:
Received a letter from CitiBank regarding a credit card that was in a debt settlement program through XX/XX/XXXX. Received a letter XX/XX/XXXX from CitiBank stating they were no longer pursuing the debt and that they might have to issue a XXXX Over the last year, knowing I would take a tax hit for this, I have asked them to XXXX out my account to a debt collector wouldnt see a balance on my credit report and attempt to collect a dead debt as I have been a victim of identity theft starting in XX/XX/XXXX. They chose to take that as I was disputing the credit card as my own, and illegally restarted the debt clock. They have now turned over the debt to a third party debt collection agency. I have asked them to rescind it as it was done illegally as I never disputed the account as my own, that was their employees who did that to reset the debt clock. Also, I have the letter as proof they promised they were no longer pursuing the debt. I dont feel they are doing things in a honorable and legal fashion.
I contacted the credit service XXXX XXXX to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to 300 in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off my credit report.
XXXX / XXXX / 2017  I made purchases over the weekend that had been deducted from my account but was on hold however the purchases had shown deduction from my balance now  Citizens  bank is saying it did not reflect on my balance when in fact it did and they are charging me with  XXXX  different overdraft fees.
I have NEVER been past 30 days late on  my Kohls  credit card and all  XXXX  agencies are reporting a late payment, this is wrong
Obviously these people at net credit do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX  sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.
XXXX XXXX froze my savings account without notifying me. I only discovered it after the ACH transfer for my rent was rejected, which caused me to incur a fee from my landlord. This is a widespread problem. Several customer service representatives said that XXXX XXXX is doing this to many accounts -- not just mine. 

The Fraud Department is unreachable. XXXX XXXX will not allow us to call the Fraud Department, and the Fraud Department does not respond to emails. They give several different explanations for the account freezes, including : ( 1 ) One representative claimed that they have a policy that all new accounts are frozen in the first 60 days, even though their account opening documents say no such thing. The opening documents only say that we can not CHANGE our one linked external account in the first 60 days -- they do not say that we can not withdraw money from our savings account, nor that we can not do ACH pulls from our account. ( 2 ) Another representative said that my linking of external accounts to the XXXX XXXX Savings account was the cause for the freeze, but XXXX XXXX didn't seem to mind that I used those linked accounts to DEPOSIT tens of thousands of dollars into my XXXX XXXX Savings account. They only flagged it for fraud when I later tried to access MY money by WITHDRAWING my rent payment. 

It is INEXCUSABLE that XXXX XXXX would freeze my account WITHOUT NOTIFYING ME. XXXX XXXX has my phone number, email address, and mailing address, but they never contacted me to tell me that my account was frozen. 

XXXX XXXX has seized our money, without justification, and will not release it.
Ocwen removed remarks from the optional remarks section of my credit reports and my scores went up. Today I received a notice from XXXX XXXX that Ocwen was once again adding the score lowering remark. 
This is blatant credit score manipulation. Ocwen is engaging in tactics far more damaging than XXXX XXXX ever imagined possible. Please investigate this ongoing credit score manipulation which allows Ocwen to trap homeowners, force them to remain with Ocwen rather than refinance at better rates via credit score manipulation. 
My credit score drops every time Ocwen does this and they do it every month.
I settled an account with XXXX XXXX XXXX for less than the full balance and I was sent a XXXX form. This company should no longer be reporting on my credit reports.
The account continues to come up on my credit report and I have no knowledge of the accounts. 
where did the debt originate? I sent a letter directly to Simon 's Agency requesting this information via US mail over 30 days ago and have yet to receive a response. 

I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof of the last payment made on the account if any. 

I have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate
Ditech was negligible in providing me information. They overcharged me. Now, they are trying to steal my home!
XXXX, XXXX, and XXXX XXXX ( XXXX ) stated they have sued me on BEHALF of Capital One Bank N.A. However, Capital One Bank has no authority of the account as they sold it to XXXX, XXXX, XXXX XXXX, who is a debt collector which therefore means that they can not sue me on Captial One Banks behalf. This is a very shady and unethical practice by this Debt Collector as they are trying to seem as if Capital One is suing me when they are in fact NOT! 

Secondly, I ask via CERTIFIED MAIL for XXXX to provide me with the following : 1. ORIGINAL agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my ORIGINAL signature stating that I have agreed to assume the debt 3. Valid ORIGINAL copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete and ORIGINAL payment history on this account along with an accounting of all additional charges being assessed 6. Proof that XXXX, XXXX, XXXX XXXX XXXX. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Instead of sending the above, they sent me a packet of photocopied pages of statements that I have never once seen before. They also sent a photo copied letter with a hand written date on it which is not legal to do as well as told me I am not allowed to get the above information.
I am in the middle of trying to settle a short sale thru Select Portfolio Service located in XXXX XXXX XXXX, Utah. We have submitted documents that they have asked for on several occasions. They are still working on imaging documents that were sent to them on XXXX/XXXX/XXXX. This is the third time these documents have been sent to them. They are holding up the short sale process since XX/XX/XXXX. In the mean time they have sent me documentation that they are going to foreclosure on the residence. The hold up is them, and they are harassing me daily for items that have been sent to them.i have a court appointed trustee attorney on it and a short sale attorney on this case to get it resolved. They suggested I write this to file our complaint on the incompetence on their part. They are now asking for financial documents that were sent to them in XX/XX/XXXX from the short sale attorney. This will be the 4th time they have asked for it and received the same documents. I do n't know where it goes, but we get verification that they receive it thru e-mail. after a period of time they are asking for it again. These are the collection agency for XXXX XXXX that has the loan on the residence and property.
I called a company R3 Processing to help me get a lower payment on my student loan. I completed an application with them and they gave me a username and password to the federal student aide website to check on my loan. The account manager who was handling my case said my payment would be {$74.00} a month. {$49.00} going to XXXX XXXX who they borrow money from to do the work for me and {$25.00} towards towards my student loan. I kept calling them about my application which they said could take up to 90 days. 90 days passed and they kept telling me my application was still being processed. Meanwhile I have been getting money automatically withdrawn from my bank account for {$49.00} by XXXX XXXX. I called XXXX XXXX and they told me R3 Processing said their work was completed. They said for consolidation. They did not consolidate my student loans. This was done in 1996. R3 Processing was to help me lower my student loan payments. They did not do this work. I have tried to call them many times and have left voice mails but have not received a call back.
On XXXX/XXXX/16 I went to XXXX Macy 's Store, I went about my business shopping and being the frugal shopper I was checking out the sales. I approached the associate to pay my bill when to my surprise she said your account is close, I said you got to be kidding me. With the upset look on my face the senior agent next to her said to call their CSR. She was told that my account was closed because I did not pay XXXX, she put me on the phone with the csr agent, and she said a statement was sent, I told her I never saw one nor a phone was made to me. 

I was told to restore my account I have to pay this, which I did, but due to this they have reduce my credit line from XXXX to XXXX all because of XXXX. Now I am a very good paying customer. 

However from XXXX I have just received the statement she reprinted and mail. 
The purchases I made that day was {$100.00}, which I paid. Then I saw a watch for about {$60.00} on sale andI bought it. However I had to return some of the clothing due to fitting reason, which will take care of some of the charges on the watch, and then I paid the difference of {$11.00}. 

However when I logged onto my macy account TODAY XXXX/XXXX/16, they had the nerve to charge me {$2.00} in interest, ****it is not over a month and they added interest*****. 

However I called their billing department to complained and the agent was will waive the {$2.00}, principle matters to me, if Macy have their system to cheat and nickel and dime their customer that is ****NOT RIGHT*****. 

If you do a search with my purchases at macy, you will see all payment made on time and in big chunks of funds. 

What I want to see ****is my credit line restored back to where is was*****. 

All this for XXXX, also I am considering in closing my revolving account with them, if they do not take responsibility of how I was treated.
I had a debt in collection resulting from a visit to an emergency room. The original debt was from XXXX and was turned over to XXXX for collection. I paid that collection in full on XX/XX/2017, and notified both XXXX and Equifax of that on XX/XX/2017. XXXX removed the reference from my credit report 2 days later. Equifax, despite repeated requests on line, by mail, and by phone, has yet to take action 39 days later. They assigned a confirmation number ( XXXX ) to this, but a check still shows it as " pending ''. I submitted another request on XX/XX/2017, which was assigned confirmation number XXXX which an online status shown as " completed '' with the note " The following disputed account or inquiry is currently not reporting on your Equifax credit file : XXXX ''. I have checked and rechecked my Equifax credit file and this collection is STILL shown as open and it is greatly impacting my credit score ( by some XXXX points ). When contacted again about this, Equifax sent me a " Research Request Form '' which I promptly filled out and returned to them. To date, I have heard nothing back from them. I am attaching various documents related to this, including the documentation that this collection was paid in full back on XX/XX/2017, as well as screen prints from the Equifax online dispute website showing the times I have tried to resolve this, as well as a copy of the Research Request Form sent to me by Equifax which was filled out and returned to them. I just do n't understand why they can not act to close out this collection and remove it from my credit report. Again, with EXACTLY the same information, XXXX resolved this in 2 days.
On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 


COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PENN CREDIT CORP via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County XXXX XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX XXXX, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PENN CREDIT CORP ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PENN CREDIT CORP the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that PENN CREDIT CORP stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
I have disputed this Account on many occasions with XXXX, Transunion and XXXX  about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX
Our mortgage was purchased by Chase Bank in    XXXX   XXXX   , in    XXXX   XXXX    they paid    XXXX    and County  taxes in the amounts of {$2300.00} and {$2000.00} out of my escrow account. These amounts were not for my taxes, they paid someone else 's taxes and took my escrow account negative. I contacted  Chase  and spoke with them the last week of    XXXX   XXXX   , they said it could take up to 90 days to get the refund.  XXXX  then sold the loan to  XXXX   XXXX  at the beginning of    XXXX   XXXX   . I have contacted  XXXX  on multiple occasions, they said on    XXXX   XXXX    that checks had been mailed to the new loan service company in   XXXX   XXXX  , VA. I contacted   XXXX   XXXX   and they have not received the checks. I then contacted  Chase  to find out if the checks had cleared, I was then informed that it would take days to find out if the checks had cleared. At this point, I need the funds put into my escrow account at  XXXX   XXXX  ( which is still showing a shortage ) - preferably Chase mails the checks to me directly so I can put the funds into my escrow account on my own.
A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to Experian, XXXX and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
First of all, it 's not a debt. I do n't owe anything to XXXX XXXX XXXX ; however, Continental Credit Ctrl reported this on my credit report with XXXX. I did have XXXX but everything was paid in full. I even went to my online account and it shows {$0.00} balance. I do n't know how they got this incorrect information and it 's very frustrating. Please help
This acct shows XXXX balance and its closed/charge off Iam no longer responsible for this account!!!
My wife has received several calls about a mortgage i have with Wells Fargo bank, she is not on the loan yet they continue to call her number. I finally got the bank to stop calling her with a lot of effort on my part. Then a few month later i received an automated call ( representative verified this with me because i asked specifically ) on my cell phone on a Sunday afternoon to speak to me about my mortgage. I asked why? I never gave any permission to get calls on my cell. I got an explanation that they did n't show me on there records that I ever signing the paperwork they mailed regarding no calls on my phones after the incident with my wife.Then i got a bunch of excuses and apologies but no one giving me an answer. Then i notified the representative and their supervisor that I did not what to receive anymore calls at all on my cell phone or work number ever again! I was told that i have to sign a piece of paper in order for that to happen. I inquired further about that and they insisted I have to sign a paper in order to stop calls to my cell phone and work phone. Then i received a letter from the bank asking me to sign paperwork to that effect or calls will continue. It is my understanding that the law states i only have to give a verbal request for no calls to my cell or work line? Why is the bank not doing what I ask? I feel like i am being bullied and the bank can do what ever they want because they are so big and seem to get away with any thing. I am concerned about my mortgage getting mis handled.
I sent a request for validation to XXXX XXXX on XXXX/XXXX/XXXX sent to the address on my credit report. The letter was returned as undeliverable on XXXX/XXXX/XXXX certified tracking # XXXX. 

On XXXX XXXX XXXX, I sent a letter to XXXX requesting that this inaccurate item be removed from my credit report as the company had violated my rights per the FCRA. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This company is using a bogus, invalid address making it impossible for a consumer to get a hold of. The FCRA states that the item must be re-investigated within 30 days or delete the inaccurate item before the end of the 30-day period. 

Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if thecompleteness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the filein accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Furthermore, on XXXX XXXX, XXXX I also disputed the item with Equifax via certified mail tracking # XXXX informing you of the invalid contact address that they are providing on my file and that I had requested validation from them. It does n't matter if you have your own way to contact them to verify, they can not get away with this and I will not allow your firm to be complicit without accepting liability for the damages to me and my family. 

As a final attempt to get in contact with XXXX, On XXXX XXXX, XXXX I sent a certified letter tracking # XXXX to their corporate " registered agent '' XXXX XXXX to which I 've yet to receive a response from. Clearly they have no regard for my consumer rights and fail to follow the FCRA/FDCPA. 

It 's nearly almost a year since I 've been requesting that this inaccurate item be deleted from my credit report. It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

The Bureaus still reports the same address XXXX XXXX XXXX XXXX, FL XXXX to contact them at per my Equifax current report. See attached copy of my current report. 

Attached is validation request sent to XXXX, Certified Letter sent to Equifax, Certified Letter sent to XXXX Corporate Resident Agent, and current copy of my report showing the same invalid address.
I recently reviewed my credit report for inaccuracies and I noticed a company called " Pro Collect '' reporting a debt to XXXX, XXXX XXXXnd XXXX on my credit report for {$760.00} on XXXX XXXX, XXXX. I did research on the company to make sure it was a legal company and they were legally able to collect debt. I searched the State of Texas XXXX website and their is no record of this company in their database to collect debt. I am not sure if this company is running a scam. According to the State of Texas this company is in violation and I would like for them to be removed from my credit report. 

FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.