WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018, Collection agency identifies themselves as Halsted Financial Services contacts me from phone number XXXX. Claims they are collecting debt for XXXX. I requested them to substantiate the debt, and send me all paperwork on the matter. Representative threatens to " take this matter higher '' and warns me that failing to pay today will damage my ability to obtain credit cards, auto loans, and other things. Representative does not give me any contact information for Halsted Financial, so I request him to stop calling me until he provides paperwork regarding this matter mailed to the address he has on file. He warns me that I am being " uncooperative '' and disconnects the call. 

No such account exists on any one of my credit reports, and even after i alerted the representative that I had never done business with the company, he continued to harass me to pay this account.
I have a credit card with Fifth Third bank. On XXXX/XXXX/2015 I was billed XXXX for next years annual fee. I received the bill on XXXX/XXXX/2015 and called the customer service line at XXXX and told them that I wanted to cancelled card as I did not want to pay a XXXX annual fee for a credit card. They closed the account but are refusing to reverse the unauthorized annual fee.
On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by XXXX XXXX XXXX. I had received neither phone calls nor written notice of this debt owed to HSBC. I have never had any business with HSBC. This is not my debt. I called XXXX XXXX services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from HSBC, the original creditor. I reached out to HSBC and they assured me that this wasn't my account and I have ties to this account. I attached a letter from HSBC stated that I am not affiliated with this account in no fashion.
I have received a postal communication from " XXXX XXXX XXXX XXXX '' about unpaid student loan recovery on XX/XX/2018. They have threatened to withhold my wage if loan is not paid. I have never taken any student loan. I believe this is a case of identity theft. Please take necessary steps to ensure this does not happen again.
I sent a certified letter to Chrystler Capital on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Chrystler did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time
To Whom It May Concern : I have noticed that you have placed an inquiry on my Equifax credit file dated XX/XX/2018, I've contacted Equifax several times about when i was first made aware of this matter. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Equifax report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX and Equifax credit file dated XX/XX/2018 and XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both Equifax and XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or  knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
Could not afford modification terms so I filed for short sale and received an offer. The mortgage company denied the offer and now I am not getting any offers, I changed the paperwork to deed in lieu of foreclosure and have been calling the company XXXX week to find out what the status is. I am being told I am not able to talk to the correct department because my file is closed. I have been kept on hold for up to an hour well a different department tries to figure out what they can do to get this file going. No one know what to do or where to send me and I keep getting transferred to other areas or disconnected only to call back and start all over again.
XX/XX/2018 XXXX XXXX  est Called Credit Acceptance regarding struggles with car payment. 
Inquired about options available and what I can do. Representative said I can do a " Voluntary Surrender '' Rep. said they pick up the car, sell at auction, $ from sale will go towards my balance. If it pays off my loan then I don't owe them, if the sale does not pay the balance I am responsible for it. I agreed to this option, as there were no other options provided to me by the rep. Furthermore the rep. asked me if the co-owner that is also on the auto loan contract agree with the " Voluntary Surrender '' I said yes ( rep. never asked to speak to the co-owner ) Rep. also explained that they will be calling me the following weak to arrange to have the car picked up! 
I called back a couple of hours later to make sure that the automatic payment was stopped since I was giving back the car. The rep. that answered said no it hadn't been canceled but that she would cancel it. I also asked if it was set in their system for my car to be picked up and she said " yes ''. 
XX/XX/XXXX I went to my car to clean in out but, the car was gone! I proceeded to call Credit Acceptance but they were closed however, there was a recording saying " if your car has been repossessed and you want to make a payment '' I now realized that this solution was a very bad solution. Monday was a holiday and they were closed. Wednesday XX/XX/XXXX I received a notice of seizure and personal property inventory in the mail from XXXX XXXX XXXX stating that they on behalf of credit acceptance they have repossessed my car and should I want any of my possessions I would have to pay a storage fee starting at {$70.00} a day.Immediately I called Credit Acceptance and spoke to 3 different reps. with one of the reps. saying that the very first rep. should have to about other options such as deferment, selling the car, and refinancing. However, nothing was resolved between this phone call and the 3 different reps. 
I contacted the XXXX XXXX XXXX and filed a complaint ID XXXX. I received a response via the USPS mail approximately 7 days later dated XX/XX/XXXX. The letter states that the Rep. explained what voluntary surrender was and that the tow company Summary of facts 1. Credit Acceptance Representative DID NOT explain what is all involved with " Voluntary Surrendor '' A. Show 's as a repossession B. Loan goes into default C. Negative impact on credit 2. Rep. DID NOT ask to speak to co-owner of vehicle. Rep. asked me if co-owner agrees with the surrender I said yes However, co-owner does not.

3. Rep. said that someone will be calling next weak to arrange to pick up car. Car was towed on XX/XX/2018. There were NO MISSED CALLS on my phone nor does my phone call records reflect any incoming calls. Moreover the letter from Credit Acceptance states that the tow company tried to contact me and this is simply not true.

4. Unable to retrieve personal items from my vehicle as I do not have the money to do so. 
I am sending this complaint to you in the hope that this can be resolved in a timely positive manner
Was sent an unsolicited mailer for a loan for debt consolidation, I contacted the company for the " pre-approved loan '' on XX/XX/2019 and when contacted the " pre-approved loan '' was denied due to income to debt ration ( this was a debt consolidation loan ) then they immediately tried to sell me on a debt relief program from their " parent company '' XXXX XXXX. When I asked for the terms to be sent to me for review " XXXX '' the " Director of Underwriiting ''  said they do not do that. Now I am no lawyer but if you are asking someone to enter into a contract, which this is, you are REQUIRED to provide written documentation, ie terms of service, terms of contract ETC.. When I asked XXXX, his response was along the lines you either listen and agree to them or we dont do business. Now if this is a financial contract those terms MUST be  made available in writing for my review and the review of legal counsel if I so choose. Yet that was denied to me due to the fact their " policy '' doesnt allow it. 

Also I am curious as to how they new my payment amounts and current debt level BEFORE I contacted them as seen on the unsolicited mailer they sent.. To my understanding that information is not public and if sold to them or pulled by them with out my permission is illegal as well.
Today : I went to the ftc site to get information on putting a security freeze on my credit reports. 
Equifax 's online site told me my credit report was probably compromised so I tried to put a freeze on my Equifax report. My effort failed as their phone system put me on hold for an unreasonable amount of time. I went to the other credit bureaus ( XXXX and XXXX ) listed on the ftc site. One told me I had to submit a request in writing ; the other told me about fees as well as a complicated route to initiate a freeze. Please tell all three bureaus to streamline and simplify the credit report security freeze process.
I first contacted XXXX  and TransUnion in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked XXXX   and TransUnion to validate the information with XXXX and provide me with any documentation connected with the accounts. XXXX and TransUnion did not validate the alleged accounts which are showing on my credit report. XXXX and TransUnion repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that XXXX  and TransUnion provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that XXXX   and TransUnion delete the XXXX line items from my credit report. XXXX has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, TransUnion also has not fulfilled this request. XXXX and TransUnion unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against XXXX, TransUnion and XXXX.
Freedom Mortgage acquired my mortgage loan effective XXXX. Freedom Mortgage breached the contract by improperly applying an additional principal payment into an escrow account. I have sent them an email about this but they did not respond. I telephoned them to instruct that the funds in the escrow account were a principal prepayment. They have not reversed it. I have been prepaying my mortgage since I obtained it. I have an XXXX FICO. this is a fraud on me as a borrower and is clear breach of contract terms. I have been damaged by the additional interest that will be charged. Also, I prepay every month and I will continue to be damaged if they continue to wrongfully place the principal prepayment into an escrow account.
Received an introductory no interest card from citi diamond preferred. First payment was due XXXX 2016. As of XXXX four payments were due on account. Four payments were made. Statements requested multiple times but seemed to " not get to me ''. Since I was not receiving statements I simply made payments before I knew they were due. Again, four payments within four payment months due. Apparently a payment was received too EARLY so was applied to my balance BUT NOT MY NEXT PAYMENT DUE. Of course since I was n't receiving statements I assumed it would be applied. Finally received a statement for bill due XXXX XXXX on XXXX XXXX. Had a late fee applied, even though I had paid 4 out of 4 payments due ... and more than the minimum due on each. Called customer service and was told the payments were improperly applied because it was made too ealry but a request to remove late fee would be made and removed within 3 days. When it was not I called back again and got another story. At which time I was given a XXXX dollar inconvenience credit and to, d to make an additional payment then call back to have fee removed. Made an additional payment as advised and called back a third time and was told fee could not be waived. Is this legal for them to misapply payments because they are made too ealry ... .especially when they are obviously holding statements in hopes of gaining something to make up for the interest free status in the account. Seems like a crooked underhanded way to get extra money when they see someone is paying in spite of them not sending statements.
On XXXX/XXXX/XXXX I filed a Chapter XXXX Bankruptcy due to hardship and trauma in my family. 
While there is a great deal of shame and grief in admitting you are bankrupt, it was our only option to renewing our financial profile. 

My understanding, by law, is that the Bankruptcy would remain for 7-10 years on my credit report. While I have endured the greater portion of this penalty, as I am now in the 9th year of this being held against me, I am now requesting that the Court remove the Bankruptcy from all three of my Credit Reports, including, XXXX XXXX, XXXX, and Experian.
Suntrust Mortgage is now sending out monthly statements to consumers that show balance and payment activity through the XXXX of the month. Any payments they receive between the XXXX and XXXX of the month are not shown as paid on time. As a result, consumers are sent billing advices for the next month which state that a double payment is due when in reality it is not. This practice is deceiving and trying to shorten the grace period of 15 days which the Mortgage Agreement allows for.
There is a XXXX account in collections that I know nothing about. This is not my account. I disputed it, received a denial to remove it from Equifax. I then called Equifax and spoke with a person and I asked them what the phone number was, address, any info to connect it to the real me and they were unable/unwilling to offer any proof of connection of that account to me. They also have incorrect personal information, address, work info, and did NOT report a car loan that was paid in full, never late which helps my credit. This is Not Fair. They are corrupt. This is life altering information used against us and nothing we can do to make sure it 's accurate. Disputing does not work, talking to a human does not work. 

I do n't understand how this is Legal.
I submitted a complaint about XXXX XXXX that has not removed the negative debit report on XXXX. I submitted the complaint on your website and the OMB # is : OMB # XXXX at the time I did n't have the account number but found it and here it is : XXXX XXXX this should not be shown since I have discharged my Chapter XXXX bankruptcy on XX/XX/2015 and XXXX was one of my creditors.
Completed online application on XX/XX/17 for a checking account at XXXX XXXX XXXX. The nearest branch is over 30 miles away therefor I opted for the online application which I was eligible for since I am a NJ resident. After submitting all the detailed information, I received a message that I must apply in the branch.
I received a service from XXXX XXXX. They did not correctly bill the insurance company. The insurance company and I have contacted them on several occasions to get them to submit the bill correctly. Alternatively, I can submit the bill, but the bill that XXXX XXXX is sending me is for a service that I did not receive at a price that has not been submitted to the insurance agency. To date they have not billed the insurance agency at the proper address. I was telephonically contacted by American Collections XXXX regarding this debt. When they contacted me I advised them that they needed to contact me in writing and that the debt was not valid. To date they have not contacted me in writing and they have submitted this debt to the credit agency. I contacted Washington XXXX XXXX several. They state that they can not issue a letter stating that the debt was erroneously sent. When I reviewed the debt with the insurance agency it became apparent that they were billing me for services that had not been received. The insurance company has been made aware of this but as the agency is refusing to bill them for the services the matter is not insurance fraud.
This company is trying to collect a debt that was the result of identity theft and or unauthorized use. I have never authorized XXXX XXXX to bill me for any services or products. I have attempted to talk to the company directly, however ; no one in the customer service department was willing to help me. I have already filed a report with the FTC and have provided it to the credit reporting companies. I have included a copy of my Identity Theft Report filed with the FTC and have forwarded the complaint number to the local authorities.
It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. Transunion is always blocked by my anti-virus system when they try to transfer me to a malicious website and XXXX always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to this?
The Target Store credit card provides 5 % discount at point of sale, so if I bought something for {$100.00}, I would be charged {$95.00} only. If I returned the item to Target, they would refund me back {$95.00} only as that is all I paid. 
However, if you look at the attached receipts and calculate, you 'll notice a lower refund amount in each if you calculate the 5 % difference. So, in the case of the first receipt on the left, the amount of item was {$4.00}, the refund back to me should have been around {$4.00} cents. Instead, Target kept back XXXX cents and returned me {$4.00} only. 
This small STEALING is inappropriate and I tried for a long time by emailing or speaking with Target to no avail. This is not just deceptive and abusive, it is literally STEALING. I am a regular customer at Target and do n't know how long this issue has been going on, as also with other customers. I should just file a class action against Target and TD Bank USA.
XXXX sent invoice dated XX/XX/XXXX. 
I notified XXXX in writing on XX/XX/XXXX to dispute the account, to ask for verification that it was authorized to be opened. 
XXXX replied with a form letter to call their office I notified XXXX in Writing on XX/XX/XXXX to communicate with me by mail and that I continued to dispute the account and that I did not authorize it. 
XXXX replied with the same form letter to call their office. 
I noticed XXXX in writing on XX/XX/XXXX informing them to communicate with me by mail and that XXXX disputing the account and not a customer of XXXX. 
XXXX replied with another form letter telling me to call them. 
I wrote to XXXX again on XX/XX/XXXX referring to the previous communication and that XXXX did not respond properly to my dispute. I again requested proof and verification that I authorized the charges. They did not respond. 
I notified XXXX in writing on XX/XX/XXXX to cease telephone communications with me and written correspondence will be responded to accordingly. 
XXXX replied with another form letter telling me to call them. 
I notified XXXX in writing on XX/XX/XXXX that they have not shown that I owe them any money or any agreement between us. I told them I would no longer respond to them without proper verification. 

Received collection notice from States Recovery Systems Inc datedXX/XX/XXXX. 
Responded by disputing the alleged debt and demand for verification, along with copy of agreement for my relationship with XXXX. 
Sent an additional letter on XX/XX/XXXX of notice to debt collector of default for not verifying alleged debt.

Received letter dated XX/XX/XXXX stating debt was verified and a print out of statement of account, with multiple contract account numbers, debit and credit amounts, with XXXX XXXX XXXX XXXX XXXX   payments, which I do not have a XXXX XXXX XXXX Account. 
On XX/XX/XXXX, wrote to States Recovery System that I received the letter but that the account has been in dispute and that XXXX failed to address the dispute. Also informed States Recovery Systems that they did not properly validate the debt. A simple statement is not validation. Anyone can make a statement. 
XX/XX/XXXX States Recovery Systems reported the collection to credit Report.
On XX/XX/XXXX, Bank of America, blocked my credit card that we had with them since XXXX, without notification. They lost my, and my wifes Social Security number, and wanted me to replace the numbers without telling me what happen. My wife is a handicap individual and uses this card to purchase on line. Many years ago we had identity theft. Due to this, and because this was a charge card, I did not give them our numbers. Bank of America claims that they sent me a letter in XXXX. ( I did not receive one nor do they have a return receipt. ) I believe that they blocked our cards due to their own incompetency, and that created server social and financial embarrassment to myself and my wife. This complaint is the first step that we will take. I intend to have us made whole for our time, embarrassment, and loss of credit power on this incident. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX