WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a PayDay Loan on XXXX XXXX at the Money Mart store XXXX. My check was presented to and paid by XXXX XXXX Bank on XXXX XXXX, 2016. I went to the store to reapply for the loan and was told I could not do o because the loan was delinquent and to come back the next day. I thought this unusual as in the past producing a bank statement showing the paid check was sufficient. Today, XXXX XXXX, I went to a different store, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was given a letter from Monetary XXXX of California Inc dba Money Mart stating there was a current outstanding loan and only XXXX loan was permitted at a time. This company has had my money ( XXXX ) since XXXX XXXX, and insist I am delinquent.
Debt collector ERC claiming to collect a debt that we DO NOT owe. Will not provide any other information other than to say the debt is from XXXX and that the amount owed is {$66.00}. Will not provide any proof. Continues to call ... We are still customers of XXXX and have n't received any information from them. XXXX is trying get us back as a customer. Why would they want us back if we still owe them money? The Email address they used to contact us is over 10 years old. I think they are fake and we paid a XXXX $ debt to a collection agency 2 years ago, we may have been scammed then.
My bank has put a mark on my checking account report, therefore I can not open an account with another bank. The improper use is this : they are charging me a monthly fee of {$6.00} when they know I am unable to shop around for the best checking account deal. If I close my account, then I will have no checking account.
In XXXX ( along with many other previous months ) XXXX XXXX through XXXX XXXX called multiple times ( XX/XX/2018 XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX  ) from unknown numbers. They called multiple times before XXXX as well but I deleted my phone logs from before then. So I have attached what I do have. I have let them know twice of them calling from this unknown number, which is a violation of the Fair Debt Collections Act, and received unprofessional responses along with numerous more unknown phone calls. They just called again three times today ( Saturday, XX/XX/2018 ) from this unknown number. They called at XXXX XXXX   XXXX XXXX and XXXX XXXX  I only answered the last one to see if it was still XXXX XXXX, which it was. I have informed them of calling from this unknown number and asked them to stop calling me from unknown numbers, especially when they call 3+ times a day, but they continue to do so.
XXXX hired a 3rd Party to get people to switch phone companies. It was a better offer, so i decided to go with the plan.I went into the XXXX store to get the phones activated and the people in the XXXX store told me the 3rd party had done the switch wrong, so they told me they would cancel the first account and create a new one and notify the 3rd party what had been done. Apparently, the 3rd party was never notified so I was being charged on that account as well. This was all done in 2014 and XXXX XXXX is not showing a date of last activity on my credit report.
Wells fargo called me and told me i needed to make a payment on my account or they would close the account. I made a payment to prevent this from happening with the lady who called. I paid XXXX $ to keep my account from being closed. I received emails and my bank statement showing that my payment went through. I called multiple times to ensure the payment was successful and was confirmed that my account will not be closing and it would not affect my credit. About two weeks go by and I get another phone call stating my payment was declined ( Although it shows on my bill that it was paid ) and that my account has been closed. I now have to work with a debt collector instead of the bank and they will not reopen my account stating I need to make the full payment to now remove this from my credit. I have tried working with Wells Fargo multiple times to get this issue resolved and they are XXXX help. I made my payment on time and they still closed my account and wont resolve it. I am extremely disappointed in this company and need this removed from my credit. 

Thanks, XXXX XXXX
I paid off XXXX past owned credit cards that were placed in collections. I was not aware they would n't delete the items.
I have an unverified account from XXXX/BELK. I had previously disputed this account. I have never done business with XXXX/BELK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/BELK provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX/BELK Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.
" Cbna '' has a hard pull on my XXXX credit report. No address is listed, the date was XX/XX/XXXX. I do not recognize this hard pull at all.
Received a call XX/XX/XXXX at XXXX, from a gentleman stating that he was a license carrier part of a national carrier and he was trying to locate me because a formal complaint has been filed against my name and my social security number to appear in court. He said he could grant me a period of time to contact the filing party to update my address for the summoning date and place a possible stop order on his services.He said to contact the filing party at XXXX and reference the docket number XXXX. I then googled the phone number and nothing came up. I also search the docket number on the Georgia public service commission website and nothing was found. I then called the number and spoke with XXXX XXXX at extension XXXX. He stated that I owed a payday loan for the amount of {$2300.00}. I received this exact same call in XX/XX/XXXX. I told him I have already paid this and I have receipts. I then asked him to provide his email address so I could send him the receipts. He gave me the email address : XXXXXXXXXXXX Once emailed I immediately received a mail-daemon that stated the mail could not be delivered. I called back and asked to speak with XXXX XXXX and told him that I did n't have the right email address because the emails were sent back. He said that they had received the emails and that it looks like I paid a fraudulent company. He then advised me to take the paperwork to court. He also gave the option to settle out of court but I told him why would I settle if I already paid. I then told him that I would speak with my lawyer.
Correspondence regarding case numbers : XXXX and XXXX. I received a letter in the mail regarding I debt I know nothing about. It stated the statute of limitation expired in my state, therefore, they would not proceed with legal action. However, I recieved a robo call stating that my case was referred to XXXX for further legal action on XXXX XXXX, 2015.
XXXX XXXX is a debt collection compnay who is collecting on the behalf of XXXX XXXX. They sent a letter in the mail to me on XXXX stating that I owe a debt of XXXX dollars to XXXX XXXX. They did not give me a chance to research this information or to respond to their letter. In fact the next week on XXXX they reported to the credit beaureu that I had a collection on my record. This negative remark on my credit report has hendered me from being approved for a mortgage and damaged my credit score. I was not aware of this debt and I was not given enough information to verify the debt is even really mine.
I am refinancing an existing loan with the same lender ( Bank of America ). Got a closing date of XX/XX/XXXX and Closing statement. On XX/XX/XXXX, Loan officer called and mentioned there is one credit card which is not available in the credit report provided by their credit report provider. I have provided the credit card statement, but the loan officer want me to call the credit report provider and add that credit card to the report or they will not proceed with the loan. I explained, the credit card is active for many years and it is not my responsibility to add a debt to any credit reporting agency. Now, they are not allowing to proceed with the loan and I do not want to add any debt to my report.
On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.
Inaccurate information is reporting on my consumer report. I have attempted to dispute the erroneous information through Experian 's online porthole to no avail. The FCRA ensures that all Consumer Reporting Agencies report 100 % accurate information. Pursuant to 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) ( 1 ) ( A ) the Consumer Reporting Agencies are required by Federal Law to verify information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. Please consider this dispute a formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) US BKPT CT VA XXXX XXXX is NOT my account 2 ) US BKPT CT VA XXXX XXXX is NOT my account 3 ) US BKPT CT VA XXXX XXXX is NOT my account 4 ) US BKPT CT VA XXXX XXXX is NOT my account 5 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 9 ) XXXX XXXX XXXX . XXXX XXXX XXXX, VA XXXX I never lived at this address 10 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 11 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 12 ) XXXX XXXX XXXX. XXXX, VA XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.
I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX Mortgage. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( XXXX XXXX, Equifax, and XXXX ).

The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

If I have misinterpreted this statue, please advise.
I have 2 separate items showing on my credit report from Mid South Adjustment. The first item is showing a balance of {$1000.00} and the 2nd is showing a balance of {$1600.00}. It is showing as a physical therapy institute. I have never had physical therapy. These accounts are not mine. I sent over a Debt Validation Letter to them and the attached return Receipt shows that it was received on XX/XX/2018 by someone named XXXX. They still have not sent me any of the paperwork that was requested in the validation letter and it has been over the 30 day period.
I applied the XXXX Platinum Card on XX/XX/2016. My XXXX membership reward was under review since XX/XX/XXXX to now.
I contacted Milend Inc. to ask about the current interest rates they offer on mortgage loans. The individual I spoke with had taken information in order to give me an " accurate quote '' on interest rates. After several weeks I receive a letter from Milend informing me that an application for a mortgage loan has been applied. I never made any intent to pursue anything including an application or loan with the company. I specifically mentioned that I only want to know the current interest rates provided by Milend at the time.
Received alert stating a derogatory account was placed on my XXXX file on XXXX XXXX 2016. The debt was to XXXX XXXX XXXX in which I do not, nor have I ever, had an account with. All my internet and cable services are provided by XXXX XXXX or XXXX. At no was any information received via email, mail or otherwise showing that this is an account I own. I tried calling the ERC but there was no answer and after waiting over 10 minutes to speak to an agent the call was terminated due to non-response.
O
n   XXXX   XXXX  ,2017 I sent  XXXX ,  XXXX , Experian a certified letter with confirmation of delivery which was sign for on   XXXX   XXXX  ,2017 from  XXXX ,  XXXX   XXXX ,2017 and Experian on  XXXX ,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the co  mpanies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo.
1.   XXXX   XXXX   2.   XXXX   3.   XXXX   XXXX   4. XXXX  5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   Thanks for looking in this matter for me.
  XXXX   XXXX
LVNV FUNDING LLC placed an incorrect credit information to  XXXX .   If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.
NCS agreed to remove a debt listed on my credit report in XX/XX/2014 but when I recently reviewed my credit report NCS has once again started reporting the debt that is NOT mine. This will be my last attempt to placate the matter before involving the Federal Trade Commission and Attorney Generals Office. I will be forwarding all correspondence to my attorney for review. Please help.
My credit score went down more then XXXX points. I called XXXX  and spoke to XXXX and she said nothing changed, does n't know why it went down and to call the credit card company because they do n't generate the scores. ( as if I do n't know anything ). So I asked to speak with a supervisor, I spoke to XXXX XXXX and all he was saying is how it all works but could not talk about me specifically as to why my score went down, just that nothing changed and they do n't generate my score, a computer does. After that I asked to speak to his boss or someone that can help me and then he hung the phone up on me. So I tried to call Experian to see why my score went down and they too could not tell me why my score went down. Just to say I have nothing bad on my report and I always pay on time, even before things are due. So why did my credit score go down. No one wants to help me. This also happened to me about a year ago, XXXX XXXX put the wrong information in and I ended up paying allot more interest then I was supposed to.. I called XXXX XXXX and they corrected it but XXXX XXXX would n't look at my score again so I 'm paying XXXX more in the corse of 30 yrs.. I 've done everything I can to have a excellent Score and I feel like I 'm being taken advantage of from these people.
XX/XX/XXXX , {$35.00} The company gave me a credit limit of {$400.00} I have been using this account from day  one. B ut this is what I have been running into lately. This company says that they have sister companies.   XXXX   XXXX   did the same thing with me. After being approved for credit, then I am told they can not allow me to order anymore because of a bill I had with a sister company in  XXXX . I paid that bill off with  XXXX . Now   XXXX   XXXX   is doing the same thing and I owe them no old account. They are because I owe an old bill with a sister company, even though I pay them before my account is due. They will not release an order for {$35.00} to me. I do not understand their method of business can you please help me.
XXXX XXXX continues to report on Equifax and XXXX  incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with Equifax and XXXX disputes and nothing has been fixed. I have paid XXXX XXXX XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on
Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all parties1. Pinnacle is not the original creditor. 
2. Pinnacle is reporting as an original creditor on more than one of the credit bureaus ( FCRA Violation ) 3. As they are reporting to all 3 bureaus, this debt will continue reporting until XXXX XXXX. XXXX, XXXX statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX XXXX XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) 4. A debt buyer hired by Pinnacle XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
5. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
6. Received a letter stating XXXX was closing the case and information submitted back to Pinnacle. 
7. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
8. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX
I attempted to get my free annual Experian credit report on-line and failed due to the obscure security questions that were asked. After failing to get the free report, the system showed that I had received it ; however, I did not receive it.
I received a voicemail on XXXX/XXXX/15 from someone named XXXX from Mediation Recovery Center at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from Mediation Recovery Center @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.
Its about XXXX. 
Date XXXX Sold my BTC like every other time to Coinbase ( it sould arrive on the XXXX ). That time it did not charge any fees but also is now listed as : Sent BTC to Coinbase ... and not ( like every other day ) Sold BTC using EUR wallet. ( screenshot 1 ) already filed a support ticket ( more than 1 ), been rly patiently and explained everything in detail. But every time I get a respond from a bot or something else .. they did not read my request and told something complete different to what i had send to them.
im behind on my payment i had personal issues going on ive written the office in regards of this matter but XXXX XXXX called my job demanding i make a payment insted of being professional about these issuse and my loan shouldnt be discussed with another loan compant in which this is confidential i think its very disrespectful calling someones job.
Dear CFPB, This complaint is for Barclays XXXX Credit Card ( Application ID XXXX ). 

I have more than 700 credit score and I have other multiple credits cards with XXXX  XXXX XXXX and XXXX. 

However, Barclays is repeatedly denying my application. 

After talking to them, they said I do not have a cell phone, so they can not accept my application. 

I have provided them my SSN, my full credit check and my address. 

They are asking me to mail them paper copies of my Driver License, SSN card, Utility bill and bank statements. 

I am afraid, this is unfair. What if my papers are used for identity theft. What if my papers are lost. 

I am perfect credit score. All other banks have easily accepted my application. Why is Barclays being so unfair in approving my application?