WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX-18 i went to atlanta check cashers located at XXXX XXXX XXXX XXXX, ga XXXX and presented a money order to be cashed in the amount of {$240.00}. the cashier then charged me a check cashing fee of {$24.00} and gave me a receipt and no cash. i asked for the cash and she stated that i have an account for collection with them and i will not be getting any cash back from this money order ( transaction code XXXX ah. and handed me a reciept that states the collection account is for XXXX XXXX XXXX XXXX not XXXX XXXX i explained to the cashier i am not affiliated with this company and was an employee over 4 years ago. the cashier stated i need to call their corporate office on monday at XXXX xt XXXX on XXXX-18 i called and talked to a woman who claimed to be the manager of the collection department named XXXX and refused her last name she had a very bad accent and could barely understand her as i do not speak XXXX i asked for my money back and she would continue to laught and would continually hang up on me or put me on eternal hold and never come back to the line. i would specifically ask her for date of a returned payroll check from XXXX XXXX XXXX and the amount of the check and copie of any document i signed agreeing that i would be responsible for repayment of any pay instrument that is returned by my previous employer and not him..XXXX  would stste over and over she does not have to provide me with anything and suggested that i call the police and saidthey will not do anything to them and i will never get my money back ..when asked to speak to management she sd she was and would over tsalk me and bellittle me and speak to me in XXXX when i do not speak the language i repeated to her over and over that i am an american ... the issues with htis is that this company took me money with even verifying anytrhing and refused to provide any documented proof of their allegations that a bad check even exsist or verification of the debt also needed to know the date of the check as i have not worked for this company in at least 3 years and the state of georgia has a statue of limitation law. i believe this company who refsed to provide and proof or their physical address or names are running and operating finacial scam thats punishable under the rico act i have found out the georgia secretary of state list the owner as XXXX XXXX who resides in XXXX il and has a ficticious address to avoid civil suits with a fake registered agent listed to attorney XXXX XXXX XXXX XXXX  XXXX at XXXX who sates they can not confirm or deny that the represent her also to avoid responsibility allowed by due process of the law and they jusy happen to be located by their main office at XXXX XXXX XXXX XXXX XXXX ga XXXX ..this company should reimburse me my money andshould be investigated as fraudently cmpany that seems to oppress consumers living in the united states as that is exactly what the cfpb has been set up to do.if you have any further questions or concerns please feel free to contact me at XXXX or XXXX..thank you
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I would like to file a formal complaint about the way I am being treated by Portfolio Recovery Systems. I am also requesting any assistance you can render in resolving a problem I am having with them. <P/>Several months back I pulled a copy of my credit report and I found a collection account being reported on all three credit bureaus that is not mine. The original creditor is XXXX XXXX and it is now being reported by Portfolio Recovery Associates under account number XXXX. I called Portfolio Associates and spoke to them explain that this debt is not mine. I have never had any XXXX XXXX account at all and I been monitoring my credit monthly for years. I asked them to provide me with any documentation they had linking this account to me. I received no response. I contacted Portfolio on at least six other occasions requesting the same information. Each time I employee for Portfolio became combative and belligerent telling me just to pay the bill and stop asking for any proof the debt was mine. I never once received anything from Portfolio that even attempted to prove to me that the debt that they are reporting belongs to me. InXX/XX/XXXX of 2017 and with the advice of a credit expert, I began taking a different approach. I sent another certified letter to Portfolio Recovery requesting verification of their incorrectly reported debt as per statute in the FDCPA. I have never received a reply to that certified letter. I am enclosing that certified as well as the postal receipt of delivery. At this point I do not know what to do. If I send certified letters requesting a debt verification, as per the FDCPA, they get ignored. If I call Portfolio and attempt to ask for a debt validation, I get screamed at and get told to pay the bill without any proof its mine. I desperately need help resolving this matter. I have never had a XXXX XXXX account. The account that Portfolio Recovery is reporting on my credit is not mine. I can not get Portfolio to produce any written proof showing this XXXX XXXX account was set up by me. I can not even get them to prove that they even have the right to collect this alleged account regardless of who it belongs to. I can not get XXXX  to remove the report from my credit file because they claim they dont need any proof to report an item as long as the reporting agency claims that it is accurate. Apparently, Portfolio doesnt feel they can be held responsible and XXXX doesnt feel they can be held responsible. I need this item removed from my credit and I want the pattern of deception being perpetrated by Portfolio Recovery and XXXX stopped so more peoples lives are not damaged by their actions. Thank you for your anticipated assistance in this matter. I look forward to your response Regards, XXXX XXXX XXXX
On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX  on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.
I had a fledgling company take money off my Direct Express Card that was not authorized. Direct Express told me I would receive a provisional credit on the 10th business day I am having a hard time getting that credit was an emergency I have no heat in my home. I was told the day I file the credit I would be eligible and I would receive a provisional Credit Now the story is being changed and being told that it is not guaranteed I get hung up on I get very rude service I have contacted the XXXX the FTC the cfpb the Secret Service Agency for fraud the Social Security Administration direct express and Comerica. Please push it along so that Direct Express has to refund this money that is supposed to be fdic-insured thank you
I wanted to get in contact with you guys because i were tryana to open up a checkin account with my bank and i couldnt becasue someone messed uo my credit getting things in they name steal my idenity. I just turn XXXXyears old XXXX XXXX. 2015 theres no way i could of got things in my own name i was a minor at the time they got things in my name i need my credit score cleared.
RECEIVABLE PERFORMANCE/XXXX has consistently troubled me over a debt of {$960.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

Receivable Performance must delete it from my credit report with deliberate speed. 

Thank you!
This is a follow up complaint to a previous complaint ( # XXXX ). I was contacted today by Wells Fargo representative XXXX XXXX, who reported that they are unable to remove the projected shortfall on my escrow account that will be created if my property taxes are paid in XX/XX/XXXX. She claimed that their taxation department had contacted the county tax department and had been informed that taxes are due from mortgage companies on XX/XX/XXXX. I expressed surprise, as the county website clearly shows a due date of XX/XX/18. When I asked for documentation of the information supposedly given to Wells Fargo, XXXX declined to provide it, stating that any documentation was, " proprietary. '' I attempted to get a tax rep on the phone, but was unable to do so. When I later contacted the XXXX County tax department and spoke with XXXX XXXX, Lead Customer Service Representative, she stated that tax bills aren't even produced until late XX/XX/XXXX, and that all tax payments, whether from individuals or through mortgage companies, are due on XX/XX/18. As such, it appears that Wells Fargo representatives have given me false information, and Wells Fargo is continuing to insist that I owe for this shortfall, even though it will not happen if taxes are paid in XX/XX/XXXX, when they are due.
I have written numerous letters to the This credit bureau about the method of verification. I have asked specifically for the information of who, and which company or clerks office has verified that I have XXXX bankruptcies on my credit report. The companies only respond with a general overview of there method of verification process, but refuse to answer the letters. 

XXXX. I dont want an overview of the method of verifcation, I want to know specifically a name and or organization that has verified that I have the public records. 
XXXX. I have included a written response from the Clerk that declares they have not verified any public information. 
XXXX. I have included a letter from XXXX showing that all of my public information has been suppressed. 

I have been refused the right to know how this public record has been verified on my according to the FCRA.
On XX/XX/2017 XXXX XXXX XXXX XXXX at machine try to withdraw {$500.00}. the transaction was cancel due to NO money came out I want inside to register and ask how much can I with draw she stated {$50.00} I was no please so I purchase something for XXXX and as you can see it was $ XXXX.see attached document. The next morning went to bank to get XXXX for my rent was told insufficient funds at the time I got on the phone with fraud department they credit the {$500.00} to my account. On XX/XX/XXXX they took the money back because the vendor atm machine balance I took they they need to pull the camera/video due to the money never came out!! They tells me the cant because it not there machine I will need to get police report. I just don't understand why I have to do this because I have fraud protection on my account. I just want Bank to do there job get the camera footage and credit my account of {$500.00}.
On XX/XX/XXXX I applied for a XXXX Credit Card. 

I never received the Credit Card. 

On XX/XX/XXXX I received a call from XXXX that i had an amount not paid in a XXXX credit Card. for US {$58.00}. I informed them I never received any Credit Card and I didnt have any amount pending to Pay. 

On XX/XX/XXXX my XXXX-XXXX XXXX XXXX XXXX informed that an EQUIFAX CREDIT REPORT has shoing an unpaid amount to XXXX  for US {$140.00} in a XXXX Credit Card I called XXXX and explained the issue that I never received The Credit Card that I applied for. They verified in their records that the credit card was Sent to a rong address and a fraudulent amount for US {$58.00} as charged. They fixed the issue. 
However the Equifax credit report still shos and XXXX unpaid amount. of US {$140.00}
In reference to Case number : XXXX disputed the companies response in reference to the case number above. 

My dispute is against Genesis Lending Services. I was forced to take out these private loans by XXXX University. I am currently dealing with the state attorney of Florida in regards with the way I was treated by XXXX. When I made the complaint here against Genesis Lending, they quickly sold my account to another party instead of allowing me to receive my 40 percent from the settlement against them and XXXX. This to me is unacceptable because if I had made no complaint against them then they would still be servicing my loan. They made no attempt to fix the issue and the XXXX thing they did was sell my loans..? The response from them was shocking to me because I had no knowledge that they sold my loan until I received an email a few weeks later on XXXX XXXX, 2015. Yet again, they only sold it after my complaint and that is horrible! I am in debt to them for XXXX and it started at XXXX. I am in debt to XXXX for XXXX! I am only getting a 4 year degree. This is too much and I am only asking for help but it seems like everyone is trying to sweep things under the rug. I am going to send letters to the white house if I have to if nothing is done to help me. Genesis told me I was to go to CFPB for the 40 percent and CFPB told me to go to Genesis, which XXXX is it?
I suffered a home fire on XX/XX/XXXX ... .unbeknownst to me XXXX XXXX XXXX allowed my insurance to lapse in XX/XX/XXXX .... Then they transferred servicing my mortgage to GREENTREE . GREENTREE activated a forced-place policy on my home and now it 's XXXX XXXX years later and I am constantly battling with them to transfer money allotted to me from the insurance company to rebuild the home. I have since purchased a manufactured home, disassembled the burnt structure, cleaned the foundation and installed the manufactured home on the foundation. During all this it 's been a constant back and forth, delays, no return phone calls, just a ridiculous amount of stalling to get GREENTREE to reissue the money that the insurance company had sent and was to be relayed back to me within 7-10 days ... ( their words ) .The latest issue is that they have had {$5000.00} to install gutters and buy materials and have me finish the basement. I have XXXX more projects to complete before the house is issued an occupant permit. One, finish the basement as it was previous to the fire, and two, install a rear porch. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX issued a check for {$5000.00}, to which I endorsed and relayed to GREENTREE. They received the chech the beginning of XXXX. I 've repeatedly called my account manager XXXX, and was repeatedly TOLD that she 'll review it in the next several days. I faxed proper documentation, which they require, W-9, Lien Release, for a portion of the job ... ( install gutters.. {$500.00} ) ... And have been waiting to hear either that she issued the check or something else is needed but have not heard anything despite numerous calls expressing frustration. I 'm appealing to you to please help me with this situation as is has become intolerable. I 'm just looking to finish the repairs on my home based on the estimate they gave me. GREENTREE is totAlly uncooperative in this matter and I 'm hoping you can help me resolve this as I became aware of the fines you imposed on them and that they 're being folded into XXXX ... .THANK YOU!!!
On XX/XX/XXXX, I sent 2 certified letters to Capio Partners asking them for debt validation of the two accounts as I never received any bills prior to both debts hitting my credit report, one is in the sum of {$990.00} and the other is in the sum of {$590.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained for the medical service provider. 

The documentation provided included 7 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX XXXX XXXX XXXX XXXX XXXX ) They have violated the regulations of the HIPAA Act of XXXX. 

I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.
I call ; ed the company and wrote to the company at least XXXX times stating I closed the account. This should be removed from ALL XXXX credit bureaus. The account was closed by ME not the copnay.
This is a follow-up to a prior complaint last week against CSR ( Central States Recovery ). CSR is now telling me that they can not fix their errors, because XXXX has issued a " cease and desist '' order against them, basically telling me that it's my responsibility to correct their errors. I get nowhere with XXXX, so I'm frozen. I need to get a place to live, as well as buy a new vehicle, which now I can't do until their mess is fixed. Under the FCRA, they are required by Federal Law to correct their errors, not walk away from their errors, with their cavalier attitude. They don't return my calls, and they won't take my calls, as the receptionist sends to voicemail. Their client, XXXX XXXX, will not return calls either.
I disputed the creditors information on my account, because the payment amount, balance, and last payment was reporting on trans-union incorrectly. Instead of receiving the information updated to show the correct terms of payment amount XXXX, balance XXXX, and last payment received XXXX/XXXX/16. Trans union took my auto loan off off my credit report and listed it as discharged CHXXXX BK. This account was reaffirmed in the CHXXXX, and has been reporting correctly until XXXX/XXXX/16 where it was wiped off my credit report completely. I have attached the credit report showing the error attached, and have also attached the Reaffirmation document for XXXX XXXX XXXX, showing the correct payment that it should be, my account is active and i am current. This also has caused my credit score to show that i have derogatory account on my name.
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and BMW FINANCIAL SERVIC were successful resolution. XXXX and XXXX  wonly reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX2017
On XXXX/XXXX/2016, I received a couple of calls requesting call back from Navient ( XXXX XXXX ). My student loans are being handled by XXXX XXXX XXXX who pays Navient. My account is being drafted on a timely basis every month in order to have the student loan paid on a timely basis every month. On XXXX/XXXX/2016 I received another voice mail from Navient and I returned their call. They informed me that payment had not been done for XXXX 2016 and the amount of {$360.00} was still owed. They wanted to place my account in forbearance which means that I would be charged added interest and fees. I refused because account is being drafted on a timely basis. Most importantly, the check was sent to Navient who then applied it to the wrong account. I left email for XXXX XXXX XXXX on this matter. I contacted XXXX and Navient a number of times and they have informed me the following : XXXX XXXX reported that they were working on this matter and had spoken to Navient ( supervisors ) and were informed by these supervisors that the check that was received was applied to a wrong account. Navient agreed to back date check to XXXX/XXXX/2016. Navient continues to call me stating that they need payment and informed me that XXXX XXXX XXXX had sent the check to the wrong address. I explained to Navient what XXXX XXXX explained to me but Navient reported that their system is only showing that the check is going to be returned to XXXX. Navient continues to leave me voice mails either by a live person to return their calls immediately or by their automated system. In the time that I have had my student loans I have never had any problems with timely payments. This matter needs to be rectified as soon as possible. I am not happy with Navient and their tactics.
I found out that there was fraud charges on my Discover Card by checking my credit report. The balance on the card is fraud and when I reported it to Discover, they failed to process the dispute and now there reporting me as late.
To date, I have called in one dispute and mailed four dispute letters to TransUnion starting in XX/XX/XXXX and to date, I have not received a written response from this company. On XX/XX/XXXX I was notified through my credit monitoring company that my FICO score had decreased by 10 points due to TransUnion reporting a delinquency on my report from a XXXX XXXX account I have been disputing with them. In my dispute of the XXXX XXXX accounts, I asked that they provide me with the documentation they used to verify the accuracy of the account. Not only did they not comply, they have made changes on my report since I started disputing the incorrect information on my account in XXXX and have not mailed me anything regarding the outcome of any of their investigations. When they reported on 13 XXXX XXXX accounts, they never validated that information, because had they done so, they would've known I had graduated college before some of those accounts were even opened and we all know, once you have finished college, or have stopped attending, the money becomes do, however, Transunion is reporting new loans opened after I finished school. I asked that they provide me with a promissory note showing that I was able to take out education loans AFTER I completed my education. XXXX XXXX is known for re-aging accounts and TransUnion is complicit in this illegal act by not doing due diligence in investigating consumers complaints. We all know TransUnion does not work for the consumer, but I have a legitimate argument, and I demand they delete all of the items they have not been able to validate and send me an updated credit report reflecting this. I am going on two and a half months with no correspondence from TransUnion, I now just rely on my credit monitoring company to alert me when changes are made to my reports. Delete those fraudulent XXXX XXXX Accounts, Delete all of the information I have disputed with you that you have failed to respond to within the 30 day time period.