WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX and Transunion are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and XXXX will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX  XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX  balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how XXXX I ever pay anything. This seems like ti is very bias towards certain people. XXXX  is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..
At issue is a XXXX account from XXXX. The debt collection company, Stellar Recovery, is attempting to collect a debt that was never owed, and illegally trying to do so. 

The XXXX account in question was closed in XXXX or XXXX of XXXX and all equipment was returned to the local XXXX office. XXXX billed me for the equipment in XXXX XXXX, and I contacted XXXX to deal with it ( proving that I had returned the equipment ) to put the issue behind me, or so I had thought. 

Stellar Recovery must have bought this " claim '' against me in the past year because I started receiving an overwhelming amount of calls from them at all hours of the day. I told them that there was no claim here, but they continued to contact me until I told them to no longer contact me. 

I, again, thought this was behind me. I was checking my credit report today and notice that there is an unpaid collection that was filed in XXXX of XXXX by Stellar Recovery in the amount that they assert. Note, that even if Stellar Recovery had a valid claim, it was no longer legally enforceable because the Tennessee statute of Limitations had run its course ( limit of 6 years that runs from when the demand could have been made ). 

This is outrageous and unacceptable. Stellar Recovery is attempting to strongarm me into paying a debt that I never owed based on what is a clerical error at best, and an outright lie at worst. Moreover, as a company that specializes in debt collection, they are well aware of statutes of limitation, it is my contention that they are intentionally misrepresenting the collectability of the debt to the credit bureaus, and that the report should be removed.
I was approved for a modification and had a trial payment for 3 months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. We paid on time and was told that in XX/XX/XXXX it would start new arrangement of a lowe payment and we would be given a XXXX reduction after 3 tears of timely payments We paid we disbursed our tax amount they had asked because it was took much they were charging us double for escrow and so I 'm may we called weekly no documents and in XX/XX/XXXX we called weekly still no documents I was advised to wait and not make any payments to hold it a man named XXXX a manager XXXX and still today XX/XX/XXXX still no documents I paid the trial 3 payments they said they are waiting for lender to sign I am worried they are doing something sneaky we were told we were approved for a hamp tier 2 please help XXXX XXXX XXXX XXXX
Great lakes educational loan services has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.
I have disputed with both  Portfolio Recovery Associates  and the credit bureaus for these accounts listed on my credit report by  Portfolio Recovery.  I requested debt validation from this company ( see attached ) and they were not able to provide me a summary of ALL account activities, nor did they prove that the statute of limitations had not expired for the accounts they are reporting. Additionally, they did not provide copies of any papers that show I agreed to pay what they say I owe that bears my original signature.     This company is a third party collection agency and is reporting that the accounts had terms of 1 month. I have NEVER did any business with this company, nor have I ever signed any contracts with them ; the reporting of this is in violation of my consumer rights ; this is inaccurate. My initial correspondence with them was a dispute. During the dispute process, they should have ceased all collection activity ; however, I received a letter from them again regarding payment. The documentation sent to my by the company ( see attached ) in no ways validate this debt as mine.
Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX. 

Which I find it extremely difficult if not impossible. Because I have a security freeze on my XXXX account dated XX/XX/2018. But assuming you managed to get my credit report from XXXX which is a direct violation of the FCRA then, XXXX does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
I was alerted on XX/XX/XXXX that Convergent Outsourcing is reporting a debt from XX/XX/2017 according to their reporting for a {$420.00} debt to XXXX. I do not owe any debt and demand that this be taken off my credit immediately.
As brief background, I was XXXX with XXXX XXXX last year and, as a result, I have XXXX XXXX XXXX. I took my first XXXX in XXXX and returned to work sometime in XXXX. In XXXX or XXXX, XXXX claimed it apparently overpaid me ( I did not verify this claim ). As I was scheduled for a XXXX of XXXX XXXX in early XXXX, when I received notice of this, I contacted XXXX and agreed with a XXXX representative that it would simply withhold from my subsequent XXXX claim. When I received the " Final Notice '' of the overpayment just before my XXXX as well as a call from Brown & Josesph Ltd ( collections attorney ; https : //brownandjoseph.com ), I rang  XXXX and a representative told me that any payment under the new claim could not be used to offset the prior claim. As a result, I submitted payment to the collections attorney on XXXX XXXX. Today, I received my first XXXX payment from XXXX for the recent XXXX and XXXX withheldin full and perhaps even withheld more than is necessarythe amount it claimed to have previously overpaid me. XXXX claims this check was mailed on XXXX XXXX, well after I paid the debt to Brown and Joseph. <P/>The amount is also not insignificant as XXXX appears to have withheld {$3500.00}. This is in addition to the {$2300.00} I paid to Brown and Joseph. In short, it seems I have paid XXXX {$5800.00} for a net overpayment of {$2300.00}. <P/>Also, while not insignificant, my XXXX has presented several challenges and this is the absolute last thing I need. I was horrified to be sent to a collections attorney, which was after multiple XXXX representatives verified the amount could simply be withheld from my XXXX XXXX claim. Now for XXXX to withhold additional sums is just upsetting. <P/>Please contact me to discuss further. XXXX.
On XXXX/XXXX/XXXX, I received a robocall message on my cell phone that did not give company name or identify the person speaking threatening that legal action was pending on an urgent matter. Failure to reply would result in a judgement. 

When I called back, I received no disclosure regarding privacy or debt collection. I spoke with XXXX XXXX XXXX who informed me I owed a debt that needed to be paid within the next 2 days or a suit would be filed. I told him I believed the debt in question was paid to another collector in XXXX. I also informed XXXX XXXX that I was laid off in XXXX XXXX and the only income I have currently is from unemployment insurance. 

He said that his company ( Integrated Recovery Services ) did n't own the debt but worked for another broker that actually owns the debt and that the debt was still owed. 

I sent a letter of dispute on XXXX/XXXX/XXXX by fax and certified letter requesting debt validation by XXXX Mail. The certified letter was returned as undeliverable. 

XXXX XXXX XXXX called me 3 times after the XXXX leaving messages and continuing his pursuit of the unvalidated debt. On XXXX/XXXX/XXXX sent me a letter from a generic email address XXXX restating the settlement offer but ignoring my request to validate the debt. Further, I have requested license information to confirm Integrated Recovery Services and/or XXXX XXXX XXXX is licensed as a debt collector in XXXX where the company is located. XXXX XXXX XXXX has refused to provide any communication via XXXX Mail service leading me to believe this is a scam.
CLAIM AGAINST BB & T, WHICH THE CFPB REGULATES, FOR VIOLATION OF CONSUMER PROTECTION LAWS In XXXX 2014 ( my dispute with BB & T has gone on for months ), I called the Fraud Division of BB & T and reported criminal activity on my account. XXXX Sunday, I found myself locked out. I called the office of a company which purported to be in the locksmith business. I told the dispatcher that I needed to have my front door opened and a mailbox key made. He told me that the price for the work would be {$120.00}, which I agreed to pay. However, when the locksmith finished the job, he presented me an invoice for {$440.00} and threatened me physically if I did not sign the invoice. Under those frightening circumstances, I signed. I may have gotten a few facts wrong when I reported this incident in my initial letter to the bank, but I was so traumatized by these events that I had to process them with the help of a psychiatrist, and I shook each time I discussed them. 

A few days after the incident, I filed a report with the XXXX XXXX XXXX Police Department. XXXX XXXX took the report. During our discussion, he mentioned that the Department had received complaints from XXXX other individuals regarding a swarthy looking man who had done some locksmith work on their property and had threatened them physically into signing an invoice several times greater than the amount that they had agreed to pay.. 
Four or five months into this debate, BB & T insisted that I provide the bank with a copy of the police report. I went to the Police Department and requested a copy, but they could not find it in their files. The Department 's failure to produce the report was not terribly surprising to me since I had filed a prior complaint with the Department on a totally different issue and they could not find that report in their files either. 

I have exchanged several letter with BB & T 's Assistant General Counsel XXXX XXXX on this issue. She insists that I produce a copy of the police report before she would refund the {$310.00} that BB & T had deducted from my account. I have explained to her numerous times that I did not sign the invoice voluntarily but only because my life was threatened. I also told her that I refused to be penalized for the carelessness of the Police Department in maintaining its records. 

This is a case where a bank is oppressing a customer -- simply because they have the power, and the customer has no power. 

I hope that the CFPB can help me get my money back. Many thanks for your assistance. 

Sincerely XXXX XXXX XXXX XXXXXXXXXXXX Landline : XXXX Cell : XXXX
There are items reported on my credit report that are prohibiting me from gaining access to credit. 

XXXX XXXX is reporting a XXXX XXXX collection to XXXX, XXXX and XXXX stating I opened an account in XX/XX/XXXX. They continue to report derogatory conditions as recently as XX/XX/XXXX ; derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX XXXX or XXXX XXXX about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.
I financed a vehicle in XXXX XXXX with Santander consumer USA. My first payment was XXXX XXXX I was XX/XX/XXXX I payed XXXX of the payment which was XXXX all together. XX/XX/XXXX came I made a payment of XXXX to my account which would cover all of XXXX including the late fee so that would make behind for XXXX XXXX they are now telling me I owe XXXX ca n't explain why and they keep calling me even when I tell them I 'll make a payment on a certain day early as XXXX I understand I 'm late for XX/XX/XXXX which would be XXXX plus the late fee I just do n't get how I owe nearly XXXX .i just want to be treated fair not being a victim to fraud
I contacted Wells Fargo to see if they could compete with an auto loan offer I received from a credit union. I was assured that they would be able to offer a loan at or below 3 %, I made sure this was the case before proceeding with the application. The loan was approved, but at 5 %, rather than the promised 3 %. I feel I was misled into applying for the loan that was not desirable.
Credit Card was lost prior to business trip. I reported lost and then later reported charges that were not mine. They are XXXX charges, XXXX for {$130.00} from safeway, XXXX for {$10.00} from safeway, and last one from XXXX for {$13.00}. ( posted XXXX and XXXX 2015 ) Capital One did nothing to actually investigate the issue. They instead made up there minds immediately that the charges were valid. I was sitting in an airport or in another city when these charges were reportedly made. Capital One was negligent and refuses to do anything.
Transunion is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Transunion to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Transunion report.
i had a idenity theft happen to me and somebody i knobelieve it is paid off my mortage without my concent and then about a week later they called in and pretend to be me and had the payment be reversed which now just put me behind on payments, now not only are they fight me about a payment that ws made by me and will not put it towards my balance but they are giving me a very very very rough time on working with me on something that happened and that was not in my control or my fault so they will not work with me to fix this so need help and i want whiever is responsable for also giving out my personal informatiom to pay for what they did and punished to the full extent including charges and being fired thank you for your time and concideration also if you have a fax number i can send over the rest of everything i have
I 'm being called every 3days by this company/number never a voicemail describing who it is or why the call. Its harassing ....
It appears like this complaint already went to a Company with a similar name! 
The Complaint is about Experian! 
Still - this Complaint will almost certainly reach Experian on XX/XX/XXXX or sooner! 
On XX/XX/XXXX - ALL DEROGATORY ITEMS SHOULD BE DELETED FROM ALL FILES! 

-- -- COMPLAINT! 
About more illegal & un-ethical behavior from Experian! After more than a year of doing illegal & un-ethical things to me - including - among other things - inserting false info in my files - failing to remove false info! - Even after 30 days! - Even after 300 days! Re-inserting derogatory items - spamming me more than 50 times - literally - here 's what Experian has done in the last few days! Experian sent me a paper-mail letter claiming that - allegedly - they claim - they allegedly needed to talk with me on the telephone to fix the problem with the false info in my file! They claimed they allegedly did not know what account I was talking about! The account company is " XXXX XXXX XXXX '' aka " XXXX XXXX '' and aka simply " XXXX '' The rules of this CFPB Website say not to state account numbers in this form. " Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. '' R partial account numbers ok for this website? The last 4 digits? The account with the false info is THE ONLY ACCOUNT WITH DEROGATORY ITEMS! The account with the false info is also THE ONLY XXXX ACCOUNT! It seems like the Experian empoyees know exactly what I'm talking about! Even if they lie & pretend like they don't! I also sent the account number to Experian by e-mail. TODAY I TELEPHONED EXPERIAN 4 TIMES! All 4 times I was trying to do what Experian said to do! All 4 times I got a computerized voice - NOT a human! It would not let me talk with a human!
Money Recovery Nationwide is reporting to XXXX credit bureaus XXXX erroneous accounts that have not been verified
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX Independent XXXX LLC My current and only address XXXX XXXX CT, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  CB I d isputed the following charges on my credit report with  XXXX ,  XXXX , and  XXXX  i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and th e all (  3 ) CB could not show me a verified contract and the balances still remain on my report   XXXX   XXXX   XXXX   - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00}    XXXX   XXXX   XXXX     -  Acct  XXXX  - reported bal {$260.00}  XXXX   XXXX   XXXX   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX   XXXX   XXXX      XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX  -Acct #  XXXX  - Reported bal {$390.00}
I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS   XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX  or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
XXXX is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.
I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. The charges that I would like help to dispute on my Discover card are : {$5000.00} XX/XX/2016 XXXX {$2000.00} XX/XX/2016 XXXX {$2400.00} XX/XX/2016 XXXX {$1700.00} XX/XX/2016 XXXX XXXX {$1200.00} XX/XX/2016 XXXX {$5100.00} XX/XX/2016 XXXX {$1900.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$360.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$16.00} XX/XX/2016 XXXX XXXX XXXX XXXX {$1700.00} XX/XX/2016 XXXX {$3000.00} XX/XX/2016 XXXX
This dispute involves XXXX XXXX and an inaccurate reporting of my account status to Transunion, XXXX, and XXXX. After challenging the validity of the account I received feedback from Transunion, XXXX, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in XX/XX/2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters XXXX then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.