WillisBack/dataset-financial-user-claim huggingface dataset:
My initial communication to Collection Consultants was XXXX XXXX, XXXX, after having discovered this account on my credit report while in the process of buying a car. 
Meanwhile I disputed with CRA 's online. After sixteen days with no response, I submitted a CFPB complaint on XXXX XXXX, XXXX. To date, Collection Consultants was unresponsive to this as well, so I disputed with CRA 's again through the CFPB. 
I sent another letter to Collection Consultants on XXXX XXXX, then again on XXXX XXXX, XXXX, requesting underlying documents from the original creditor, including a chain of title, since I was unable to reconcile this account and amount, and suspect that it is something that was already paid in full by my parents years ago. 
A response from Collection Consultants was finally received on XXXX XXXX, XXXX, in the form of a printout of the itemized account information. I had requested an original itemized statement from the original creditor to review ; the FTC has stated that a " mere itemization '' is insufficient proof to constitute validation of an alleged debt. Per the limited detail provided by Collection Consultants, in fact, it appears that an unknown " adjustment '' was added to the account balance after payments were made, creating a new " balance ''. As of XXXX, XXXX, Collection Consultants recent collection letter has inexplicably inflated the unsubstantiated debt from {$1700.00} to {$2400.00} or {$2400.00}, depending on which letter you look at. 
Further, it seems that CC may not be the first debt buyer to be involved with this account, given the reported assignment date of XXXX XXXX. Incidentally, the original date of assignment to collection is most likely much earlier, according to your records, XXXX XXXX was initial delinquency, yet is being inaccurately reported to appear recent. 
Collection Consultants was requested to document their ownership of the debt, the balance of the debt, the date of the default or last payment, the identity of prior owners of the debt and the name and address of the debtor in the original creditor 's records. In addition, the debt buyer must also have the original contract or a document provided to the debtor while the account was active to show evidence of the debt. 
Please note that, in over 70 days since my initial letter, Collection Consultants has failed to prove that this debt is mine, that it is accurate ( I 've never had Physical Therapy in my life! ), failed to provide me with an original contract made with the original creditor, and has failed to provide me with proof that Collection Consultant 's has a legal right to collect on this alleged debt, as I requested. All collection activity, which includes reporting to CRA 's is legally required to cease until this information is provided. This was not done, and Collection Consultants is in violation of federal and state debt collection regulations.
Hello All, XXXX  Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
First American Title in XXXX did the title work for our mortgage refinancing. We 've moved to Florida and planned to do closing here. We were looking at closing during XXXX week. After the bank issued our Closing Disclosure, I called the title company to ask about wiring the money we owed at closing a day early in order to avoid any problems with the holiday. She agreed that was probably a good idea to be safe. I went to the bank immediately, and wired the money. I emailed the closer at the title company when I returned to let her know the wire had been sent. Two hours later I got a call from the bank asking my permission to modify my CD. The title company did n't realize we needed a remote closing and now wanted to charge an additional {$160.00}. I know the CD has to be accurate and that it was too late to ask for that money ( besides, I did n't have any more to pay! ). The bank escalated with the title company, but they refused to waive the fee. I was told that either we paid the fee or they would n't do the closing. Had I not already wired the money, I would have gone to a different company. The bank tried everything to work with the title company, but they would not budge. At one point, a member of the bank staff told me, " They know this is against the law, but they do n't care. '' I 'm filing a complaint because they broke the law by demanding an additional fee after the CD was issued.
Purchased a home XX/XX/XXXX financed thru XXXX XXXX XXXX. I suffered multiple hardships throughout XX/XX/XXXX and in XX/XX/XXXX, I requested hardship assistance from GMAC regarding my mortgage because I was struggling financially. Instead of helping me, GMAC started the foreclosure process against me in XX/XX/XXXX. After months of anguish and worry that my children and I would soon be displaced and homeless, GMAC decided to walk away from and rescinded the foreclosure process. In XX/XX/XXXX, GMAC approved a loan modification for my mortgage. However, GMAC inflated my mortgage balance and extended the term of the loan to XX/XX/XXXX effectively keeping me in the poor house while they get richer from exorbitant interest charges over a longer loan lifetime. 
Original mortgage XX/XX/XXXX = {$130000.00} Reaffirmed during Bankruptcy XX/XX/XXXX = {$120000.00} Mortgage balance as of XX/XX/XXXX = {$110000.00} Someone please explain to me how my principal mortgage balance decreased {$13000.00} within the first 5 years and has only gone down {$3400.00} in the subsequent 9 1/2 years?!!!
I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by commonwealth. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as commonwealth and the previous debts listed above that the credit reporting agencies have not bothered to do.
I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX Route XXXX, NJ XXXX
I asked for documentation to support the debt and received thtreatening phone calls from agent who called herself XXXX XXXX from the Leviton law Firm
I have a money order drawn on Wells Fargo Bank an no one will cash it. My bank sent it back to me no account found ... .it is dated 2005 ... but from what i read online and what is on the back of the check there is a fee for cashing it ... .which is fine ... but the bank was given the cash to send it to me ... .so someone has the money but at this point seems like profit to them since they wo n't pay me the rightful owner ....
Writing to this company last XXXX XXXX, 2017 is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.
Suntrust Bank charged me {$95.00} for a debit card that was cancelled and replaced and which they had previously agreed would not be charged for. After discussions with both local bank staff and their XXXX headquarters customer service, they still charged for a service that had been discontinued. This is typical of the fee driven banking practices of Suntrust and their poor oversight and controls. 

Consumers need to be aware and alert to extra charges slipped into accounts in hopes no one would catch them. The bank obviously has serious ethical and management issues and should not be trusted to treat customers with respect and integrity.
On XXXX XXXX, 2016 I deposited a check drawn on a law firm checking account in the amount of {$5000.00} to my bank of america checking account. I had not used the account in two months, but there had been no previous overdrafts of the account. Upon depositing the check, I received a receipt indicating that the funds would be available on Monday, XXXX XXXX, 2016 at XXXX. I waited until after XXXX/XXXX/16 XXXX p.m. to write a check to myself for deposit in my bank account at XXXX in the amount of {$500.00}. On XXXX XXXX, 2016, I received an email from Bank of America telling me that my account was overdrawn. I called customer service and was told that the hold was extended on my account but was not told when the money would become available or given a specific reason as to why the hold was extended. I advised Bank of America that I had written a check to myself for {$500.00} and I was told that they were determining whether or not to honor the check. I told them that the deposit check was from a law firm that I worked for, but they did not respond. On Thursday, XXXX XXXX, 2016, I obtained a copy of the cancelled deposit check for {$5000.00}, which indicated that the funds had been paid over to Bank of America on XXXX XXXX, 2016. I took the copy of the cancelled check, the receipt from Bank of America indicating that the funds would be available on XXXX/XXXX/16 after XXXX to the branch where the check was deposited. The bank refused to credit my account with the {$5000.00} and said that the hold would not be lifted until the end of business on XXXX XXXX, 2016, but would not give any explanation as to why and did not address how they could hold my funds when I showed them proof that the check had been paid. Bank of America agreed to remove the returned check charge for my {$500.00} returned check and a {$12.00} service fee today, but would not make the funds available immediately. This is clearly wrong and outrageous behavior on behalf of this bank. I also incurred additional bank charges on my XXXX account because the {$500.00} check was returned as unpaid by Bank of America. Bank of America has advised that they can not reimburse me for fees charged by XXXX.
Afni Inc has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Afni to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Bogus account number listed on my credit reports is XXXX
The debt was paid in 2014 but continues to show as being owed on my credit report
I have tried multiple times to have Equifax investigate an account that is not reporting correctly. I have asked for verification of my account. Sending me an ANSWER in BOLD does not prove VERIFICATION! You last stated that historical data was deleted and therefore could have not been verified. Delete immediately! Attached is the original letter stating why, and the report you sent me showing me exactly how this was verified, which further proves how you did not investigate this properly.
I was offer a loan for US {$5000.00} ; gave to this so call bank US {$600.00}. 

Never got the loan and now they hang up the phone on me when I call them. 

I know, I have been scammed and probably never get my money back, but I would like to protect others from this kind of scam. 

Hi XXXX! 

Good day and Congratulations!! 

It is our pleasure to inform you that the loan application we received from a partner online lender was processed and approved for a personal unsecured loan of {$5000.00} with flat 3.4 % interest rate and flexible repayment options. Please refer to the simple table below for more details. 


Loan Approval Code XXXX Loan Amount {$5000.00} Total Payback {$5800.00} Monthly Installment {$98.00} Interest Rate 3.4 % Loan Term 60 Months As a financial business we are subjected to immediate but arbitrary audits by the US Federal Treasury Department. Your loan process was included in an audit and is now being monitored by the Internal Revenue Service. Being a Personal Unsecured Loan, we are now facing taxation for the loan amount and as a legal policy, you are required to shoulder a portion of this tax since the approved loan is on your name and will be deposited to your own bank account. 

Your responsibility on the tax amount is {$490.00}. Please be sure to settle this to complete the deposit prerequisites. 

Your insurance registration fee was processed through one of our  corporate partners and accordingly received. The insurance policy number was successfully generated and is now attached to your loan profile as an update. The {$150.00} designated fee amount corresponds to loan protection contract for your {$5000.00} personal unsecured loan. You are bound to get the same amount back along with the loan amount upon deposit, making a total of {$5100.00}. For any instance that the loan process is hindered or if any of our requirements may unfortunately not be met, YOU WILL STILL GET REGISTRATION FEE OF {$150.00} BACK. 

Our systems also reflect that you settled the company 's CLOSING FEE requirement. The closing fee is the consolidation of Origination, Processing, and Commitment Fees, making a total of {$350.00}. This was added to your profile as an update, making you eligible to be endorsed to the deposit process. This was supposed to get your loan process finalized, but since the audit was UNFORESEEN, the taxation needs to be settled first. 

Kindly coordinate with your designated accounting specialist XXXX XXXX by dialing the number at the bottom of this email to settle the taxation and finalize your loan requirements. Thank you. 


XXXX XXXX XXXX Manager, Accounting and Legal Dept. 
PNC Loans and Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX - XXXX OTHER PHONE NUMBER : XXXX
I finally spoke to a live person at the company and explained to them when I would make my payment. Shortly after we spoke, I continue getting their unwanted computer generated calls. After my answering service picks up the calls, the company hangs up and continue calling my number at least 6 times a day.
Hello, I was charged a late fee on my citi credit card on XX/XX/2016 and when I called to reverse the fee about a week and a half later ( and subsequently closed the account ), I was told by the representative that it was removed successfully. I did n't see that reflected on my account on-line so I called them again which I was told that the on-line information wo n't change since the account has been closed. To my surprise, I was charged again with another late fee on XX/XX/2016. After I called the company to resolve this, I was assured again it was resolved and the account will return to XXXX balance the following day. When this did n't happen, I called them again, and this time they told me they are unable to reverse the late fee because they are " valid '' charges. I was also told there is no log of the late fee reversal was successful from their " note '' to prove what I was told before. However, I was not aware of the fact that I need to specifically request to log what the previous representative told me on the " note '' in order for subsequent agent to follow or acknowledge as such information is not provided through my previous calls, online, or through mail communication. I think my credit was hurt because of the fact that the bank provided false information on multiple occasions and push me into worse and worse financial situation via compounding fees that I would n't been in otherwise. The representatives kept telling me it was taking care of but it was never done and since each inquiry requires waiting time, the late fee is accumulating and they changed their story when it is too late. It is the bank 's responsibility to provide consistent and accurate information to its customers as they will be placed in the disadvantage position if they can not trust statement from the agents who are representing the bank.
This collection agency contacted me via phone on XXXX/XXXX/2015 at XXXX pm and left a computer generated message claiming that I must contact them to avoid civil action. They contacted me again at XXXX and I was n't able to answer the phone. I called the number back at XXXX and spoke with a XXXX XXXX who was very rude to me and did not tell me what the call was about. When I asked him what the call was regarding and his contact information, he asked " what are your plans to pay what you owe, you owe XXXX ''. He never once disclose that he was attempting to collect a debt, nor did he validate the debt information to me. When I asked him for his contact information, he asked me what did I need it for and that he only accept payments via telephone. I told him that I wanted the information so that I can dispute his claim and he told me that I can dispute the claim in XXXX XXXX XXXX. He simply hung up the phone right after he made this statement. I called the number back because I assumed it was a scam the way the XXXX conversation was handled ; I called back at XXXX and the same person XXXX XXXX answered the number again. I told him that we had a conversation earlier and that I was calling back to get the contact information. He kept trying not to give me his information and continued to asked whether or not I plan on paying and how I plan on paying. He never stated he was attempting to collect again on this call nor did he validate what the debt was for with competent documentation. The representative also claimed that they had a legal department that I needed to contact about this as well and initially I was told that their name was Integrated legal services. I do n't know if the address that he gave me when I called back at XXXX is correct being that they were not honest initially on what the name of their company was and the fact that the representative refused to give it to me. All I have that I am certain of is the number that is on my caller I.D on my telephone from where they called from and the message that was left threatening me with legal action if I did not return their phone call. I have the voicemail that was left on my phone saved as well. The message that was left on my phone nor the representative that I spoke with Disclose that this was an attempt to collect a debt.
XXXX keeps taking money from my bank without my permission. I asked them multiple times to remove my bank account information from their website and even removed recurring payments. When I logged in today XX/XX/2018 I saw that recurring payments were turned off and my bank information was not there so how have they been able to take money from my bank without my permission for the past 4 months?!! There were no legal order for them to do so and i expressed clearly that I am having financial difficult now because of this. I want to know my rights and what legal actions I can take against XXXX because this is absolutely ridiculous. I would like legal advice immediately.
I financed two pieces of furniture from XXXX XXXX XXXX XXXX, and the credit card is issued through Synchrony Bank. As such, I made a payment to Synchrony bank in the amount of {$200.00} on XX/XX/2018, via phone with a representative. Per the representative, the transaction was successful, and this also reflected in my checking account. As a result, I considered the bill paid. 
Approximately two weeks later, I received a text message from Synchrony regarding collecting a debt. I was confused so I decided to contact Synchrony bank, and was told that the payment was returned to my account " due to an incorrect/invalid account number. '' I was even more confused as I did not provide an account number to the representative, and my checking account was not credited by Synchrony. All I provided to the representative was my name, social, home address, etc. I even spoke with a 'resolution specialist ' who did absolutely nothing to resolve the issue. I was going back and forth for hours and no one tried to help. So I decided to call my bank and was told what I already knew ... the money was NOT credited back to my account. At this point, I decided to call the number ( XXXX ) listed on the transaction via online banking. Sure enough, the call was connected to SYNCHRONY BANK! I informed the representative that I was calling the number that was on the transaction. To my surprise, the representative informed me that " we do not handle any accounts for XXXX XXXX XXXX. '' So, Synchrony basically took my {$200.00} and still expects me to pay the full balance. 

A few days later, I received a billing statement with the original amount ( the {$200.00} was not credited to my account ). The minimum due is doubled, and I believe there is also late payment included.
I was sent an e-mail about applying for a loan and decided to call the number because I need a personal loan at the moment to help with some medical expenses. The loan officer told me that they would need my account information to deposit the loan for me. First, they had me do this cross verification process where they would deposit money into my bank account and then have me go to XXXX to send a money gram of the amount of money they had deposited in my account. They made a total of XXXX mobile deposits into my account, and I made the XXXX transactions requested of me by the loan officer in order to obtain the loan. Today, he had asked me to do XXXX final transaction in order to receive the {$5000.00} dollar loan, however, the transaction did not go through today because I now have a negative checking account balance of {$2900.00} dollars. The bank says because I gave the loan officer my account information and made the transactions, that I am now responsible to pay the negative account balance of {$2900.00} dollars. The bank had no process to report this scam I have been tricked into. I reported the scam to www.ftc.gov and they are supposed to be investigating my report. I feel that I should not be responsible for pay XXXX XXXX XXXX XXXX the negative account balance of {$2900.00} dollars because I was not the person who made the deposits into my account. The loan officer said that someone from the his accounting department would deposit the {$5000.00} dollar loan into my account once I had completed all of the transactions requested.
Experian has not provide me with evidence from disputed accounts which I have requested serval times in the past.