WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed several accounts with this company, I have never done business with this company nor owe what is listed on my personal credit file. Nothing has been received from this company. 

NCC Business XXXX NCC Business XXXX
I had numerous unauthorized charges to my debit card. As soon as I learned of these charges ( received bank statement in the mail ), I reported my card missing or stolen and the next day ( XX/XX/XXXX ) went to the Regions Bank in XXXX, Missouri. XXXX XXXX XXXX XXXX took all my information, completed the required paperwork, assigned case # XXXX, took my debit card and destroyed it. XXXX XXXX told me not to worry and that I should start to get my money put back into my account within 3-5 business days. On XX/XX/XXXX, I received a letter from Regions Bank stating that based on their investigation, they were not giving me credit for any of the unauthorized charges. 

I do not believe that Regions Bank did any investigation because if they had done an investigation, they would have learned, as I did, that the person who made these unauthorized charges was a female named XXXX XXXX, previous address unknown. XXXX is a known XXXX addict in the XXXX XXXX area, and used my account number written on a piece of paper to make the charges. 
On XX/XX/XXXX, XXXX was arrested and sent to the Missouri Department of Corrections in XXXX Missouri. for unrelated charges. I did not give this lady my debit card information, did not know where she lived, did not benefit from any of the items she illegally received, did not make any of the purchases, did not know of the purchases until I received my bank statement, and do not know anything more about these transactions. I am not at fault! 

Another problem with Regions Bank is when XXXX made these transactions, it threw my account into over draft protection which I have a {$500.00} limit. Instead of stopping all transactions at the {$500.00} point, Regions allowed transactions to continue which resulted in over {$800.00} in over draft charges. Regions should have stopped the transactions at the {$500.00} point.
The company, Phoenix Financial Services LLC, sent me a letter regarding an account they were collecting from. They provided no evidence to substantiate the debt, and merely asked that I pay it. When I contacted them about it, the phone line led to an automated voice line asking me to pay. I dismissed them as a con artist, I did so because everything about them seems shady and overall below board. They called me repeatedly from spoofed numbers from then on out. Which I never answered because scam phone numbers are blocked my cell provider automatically. When I was called back regarding the debt one day when a call that wasn't blocked came through, I mentioned that the account may be fraudulent, the operator immediately hung up on me. Weeks later, after not validating the debt to me at all, the company opened up collections derogatory mark on all three of my credit reports. This is something they've been asked by courts to not do in the past by the way. When I contacted the company to cease and desist, they were very difficult to work with and kept asking me for PII, they were rude, once again provided no information to validate the debt, or any information about their business. When I asked them for the information regarding their registered legal agent, they simply declined to provide it. Overall, they have no basis to collect a debt from me and may have broken several laws in the process so far. I also think it's worth noting, they are especially difficult to work with when they are informed that they are being recorded via phone call.
XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!
Unaware accounts and inquiries on my credit account which I have no clue where they came from. I have n't used my credit account in over 20 years. I have attached the accounts down below. The inquiries are fraudulent. If the inquiries are n't removed I will be taking legal actions against all person liable for this.
I was a victim of the TransUnion credit inquiry issue. Inquiries were deleted from my credit report and then re-inserted. TransUnion did not follow the procedure specified in section 611 of the Fair Credit Reporting Act, and notified me 5 days after re-inserting the inquiries. I called customer service, although they wouldn't take care of it.

I am requesting removal of the following credit inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   ( XXXX  ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
TFC Bank sent me a claim questionnaire form in regards to my previous complaint to the Consumer Financial Protection Bureau, please review CFPB Case # XXXX. I filed a claim for an unauthorized account opening claim in my name. I want TCF Bank to inform me on whether my claim was settled in my favor.
XXXX XXXX XXXX Was removed from my XXXX report but still remains on my XXXX. They relentlessly call 10 times a day. Its an old debt from XX/XX/2011 reaged to ruin my credit and is therefore violating consumer laws
This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.
ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623 , subsection (  8  ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection (  7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have 2 account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.
Identity was stolen to purchase a home in Florida under my information. I found out after the fact with the bank and filed a police report. I have attempted various times to provided ocwen with the information they needed to stop harassing me about this debt. They claim the police report is not validate because it was not done within a year from the incident, again I was not aware of this home until years later. They are now contacting me at all hours of the day and constantly sending me statements and insurance information for a home that has been foreclosed. Please make them stop this harassment.
Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Equifax is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Equifax did not update and correct the report. 
Their investigation was incomplete and they researched the current balance, rather than the payment status. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Equifax delete the XXXX XXXX payment information, in a written requested dated today, XXXX XXXX, XXXX.
Repeated phone calls from XXXX, XXXX, XXXX. All from the same organization. Calls are coming in before XXXX. When I asked that what ever this is regarding that they send a written correspondence, I was told they do n't have to and hung up on me.
On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.
Discover is being strange and aren't doing there job correctly, I have file a dispute twice and they fail twice they are putting the incorrect information twice and have told me that they transaction was valid which we are know that i'm disputing against XXXX that because they have only credit me half of my returns when i'm waiting on my other half of the returns of credit and discover doesn't understand what is going on who did they hire to do these kind of jobs???? they only care about taking our money becareful people not every human being are nice ... ... 

give back my money and I have uploaded all of my documents what else do you need!!
In XXXX of XXXX, while I was in a deferment/forbearance period ( not currently paying on ) my XXXX student loans they sold them to VSAC Loan Services. I was not made aware of the transfer in ANY way. I figured I was still in my 2 year deferment period that XXXX offered.When the time was up I tried to contact XXXX with no luck, all they said was that my loan no longer existed. I searched everywhere online I could think of for my loan. In XXXX of XXXX it finally showed up on my credit report as being derogatory for this random place VSAC. I tried to contact them several times and they could n't locate my information, even though they reported me as delinquent. My loan was in limbo. Finally I got ahold of an amazing lady at the XXXX XXXX XXXX XXXX who helped me refurbish my loan and got me back on track. It was sold again by VSAC during this refurbishment to XXXX who I 've made every payment on time since this nightmare with VSAC. In conclusion, VSAC needs to take the derogatory report of those 7 months in XXXX.
On XX/XX/XXXX, I began receiving notifications from various attorney 's seeking to represent me. The notices stated there was a possible garnishment against, for an account that had been paid and or charged off with the issuance of a XXXX. Prior to receiving the mail from the various attorneys, I had resolved the matter with this creditor over 6 years ago. I had not received any notices from an Attorney representing the credit card company no any notice from the company. So, these actions alone is a violation of the FDCPA. On XX/XX/XXXX, I reached out to XXXX County Magistrate Courts to get the details of the filing. They gave me a filing number XXXX. They provided me with the name of the Attorney who filed the case, XXXX XXXX of Cooling & Winter Law Firm. They stated a garnishment had been filed against me for a ruling dating back to XXXX. REALLY! In 6 years, I have never been contacted by either party and have been diligently working to repair my credit. Not to exclude, I had already resolved the matter with the credit card company and received a XXXX to be filed with the IRS. I am seeking to have this attorney disbarred. Seeking to have this garnishment reversed and any negative reporting REMOVED from my credit report immediately. I am seeking a letter from this firm acknowledging their wrongs and listing their actions to rectify the matter.
" " '' I have disputed this charge off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I owe a past debt and it was forwarded to Capital Recovery Systems, XXXX in XXXX, MA. I called the company the other day and first thought it was curious I got the personal voice message of a woman named " XXXX '' who said she is from " DMI '' and " XXXX ''. I asked for a call back which I did receive and asked for update from the gentleman on the repayment amount and to inform I would be paying via personal check. The rep on the phone asked for my debit or credit card number and advised they do n't handle " paper '' transactions any longer. I advised I did not want to recite my credit or debit card numbers during an unsecured process and transaction but he insisted. I again insisted I would mail a check but he said they would not accept it. I needed time to think about all this so said I would call back when I was in fact ready to set up payment but I am in fact NOT ready and I am glad I waited and gave this some thought. No one should be coerced or forced into reciting their debit or credit card numbers over the phone to an officially unidentified company. Also, this company has never indicated anywhere in writing that they will not accept paper checks. So in my mind they can not enforce this. Also, on the internet there is notation that the company is permanently closed. I have no idea what is going on with this but I need to make payment but now can not and I refuse to under these circumstances. This company, XXXX needs to be investigated. The phone numbers associated are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
While on the XXXX program up to and during the 1st quarter of XX/XX/2015, I was living at a XXXX XXXX XXXX complex. At some point either XXXX XXXX XXXX complex or the collection agency, submitted derogatory credit information to the credit bureaus. The submitted information was incorrect or missing totally. 

The XXXX program subsidized my rent where I paid my portion on time and I was never late. I do remember that there were admitted clerical errors verbally admitted by the complex. On several occasions I tried to correct the derogatory info, but I have not received any information in return. 

This ordeal leaves me in a dilemma of what actions to procure to resolve these issues concerning my credit. 

Please resolve my issues as soon as possible. 

Thanks
Called repeated all day long from XXXX-XXXX, the phone rang at least 10x a day. This has gone on for months and months. I called to payoff the medical debt, however, they collected it, but my phone still rings via robocall. I have excellent credit, but the calls started after one month of a doctor 's office visit. 

Escallate LLC Professional Services Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX
On XXXX XXXX, 2015, I ordered a specific flower arrangement as advertised on the website of XXXX with the understanding that my order would be processed on an express basis and delivered the same day. This did no occur. I tried to use the tracking number provided and that did not work. I attempted several times to call this vendor and resolve the matter. The call center turned out to be a joke. I suspected fraud. I did communicate to the company to cancel my business and promptly refund my money. This never occurred. I learned five days later that this vendor made a feeble attempt to send dead flowers in a cheap vase that I did not ask for or order. When I contacted my XXXX card issuer ( U.S. Bank/XXXX ) I was given a temporary credit. When I submitted all documentation to the fraud division, I was later told by ( XXXX ) that they do not get involved in customer disputes. In fact, he said he did not talk to the vendor at all. Astonished, I asked how this could be classified as an investigation? XXXX just kept to his script even after stating that I bought something that I did not receive. I then pursued by a phone call to have the matter escalated to someone one else. U.S. Bank personnel have been totally unresponsive. I even sent a faxed statement and request on XX/XX/2015 to their XXXX. No response. This is over a month now. I chose a credit card payment method vs. a debit card for more protection. My credit union would have resolved this by now. Not U.S. Bank. They seem completely uncaring. I do have accurate and complete documentation on this matter which supports this statement. I even provided the terrible reviews from other customers with similar experiences who lost their money by paying for something they did not receive.
Experian and XXXX is showing XXXX XXXX on my Credit report.. I have never had an account with XXXX XXXX and the credit bearues refuse to remove them
Navient came to me.and said they could offer me a student loan consolidation plan for XXXX dollars a month in perpetuity which I thought was absurd but after being assured my payment would never go up I agreed. Unfortunately for me this was not true and the company began expecting an exorbitant payment after one year. I told them this was a bait and switch scam. They said there was nothing they could do.
I was contacted by text message XX/XX/19 at XXXX AM from XXXX stating FRM : XXXX- Call XXXX SUBJ : Crucial Information. MSG XXXX # XXXX. I called this number and later realized the initial greeting stating " People 's United Bank   XXXX XXXX  ''. A recording advised my account was suspended and needed to be reactivated. I was on the phone for about 2 minutes and the automated system asked for my bank card number and social security number. I became suspicious and immediately hung up. I then called XXXX ( the number on the back of my card ) and they were not aware of any security breech, the bank was also unable to locate the number I was texted XXXX. The representative called the number as well and indicated that this company is not affiliated with XXXX.
Received a generic letter from Transunion dated XXXX XXXX 2015 which did not address my primary concerns about different credit scores reported to different companies credit inquiries basically within 2 days.
Hello, My name is XXXX. This complaint is regarding the closing of my store account with Best Buy XXXX Account # ending XXXX ) .On XXXX XXXX of XXXX a bank review was performed, and at that time it was determined by the company to close my account. I have tried for several months to get a better understanding of why the account was closed. I have had this card for two years. In two years, I have been late twice. Once in XXXX XXXX and, the other in XXXX XXXX. I would like to point out due to the status and history of my account, I did qualify and received a reimbursement for the late fee I incurred in XXXX My account limit is {$1000.00} and on XXXX XXXX I made a purchase for {$720.00}, essentially reaching my cc limit with my purchase. However, when the bank review was performed two months later, one of the determining factors was " Due to high limit with Best Buy ''. Other factors included : *Length of time cc history limit established *Use of credit on revolving accout *Balance on account I have called / escalated calls to understand why my account was closed. One rep did say I was considered a " High risk '' but I am not sure how that is the case when I have shown satisfactory payment history for the last 2 years. The only reason I was ever late with them in XXXX & XXXX was due to technical issues I had with getting into my account. Even then, I am not sure how I would have qualified for a late payment reversal if I was high risk?! My main point is this, I have not giving this company any reason to believe I was incapable of paying my debts with them and my account history shows that. In fact, I have no reported late payments on any account EVER on my consumer credit files. 

As of now, I have continued to make payments on the balance owed. Not defaulting once since this ill advised decision was made.The closing of this card has done me more harm than good. As my " length of account history '' and my " debt-to-credit ratio '' has been adversely affected. 

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My complaint is against Target Redcard credit card. I recently received a letter from them that they have lowered my credit limit because I was not paying it off fast enough and have balances on other cards, even though I make my payments on time every month. For months, they kept upping my credit limit, which I never asked for and as a result of this, there were hard inquiries on my credit rating from them which hurt my credit scores and now they want to lower my limit after they are part of the reason my credit scores have gone down? I find this unfair. I never asked for them to keep upping my limit and was not aware that their inquiries were hurting my credit. I plan to pay off this credit card and never use it again. I feel that they contributed to my credit score being lowered by these inquiries. There are also many other complaints about this card online and believe they should be looked into for this.
XXXX county child support opened a case against me in XX/XX/XXXX when they started taking child support out of my checks. I was then XXXX in XX/XX/XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed XX/XX/XXXX an report was added to the credit report in XX/XX/XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.