WillisBack/dataset-financial-user-claim huggingface dataset:
I have had repeated, harassing phone calls on both my cell phone and home phone from a company called Rash Curtis whom I 've told repeatedly that I do not owe any debt to. 

They call from various numbers, but this one has surfaced several times : XXXX They have failed to provide me with any details whatsoever as to why they even think I owe them or any of their affiliates any money. They have never sent me anything in writing, despite numerous requests to help them sort this out. Because I have a fairly common name, I explained that they may have the wrong individual, but they consistently harass me at my home and via my cell phone. This scam company who is trying to get me to agree to wire them funds needs to be STOPPED!
I have contacted Transunion, XXXX, and XXXX several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I
I have a car loan with GO Financial, which I had set up on auto pay. I paid my bill early using their XXXX service. The transaction went fine and my card was debited the correct amount. Upon returning to my account page, it told me the payment succeeded and that my account wo n't be charged again until XX/XX/XXXX. This morning, I find that is not the truth. They debited my checking account for the car payment a second time. You can see on my account page that this is the case. I called this morning to let them know they had billed me a second time and to ask they refund the second payment. The gentleman on the phone acknowledged he saw the two payments. He offered to apply the second payment to XXXX or as an additional payment. I told him that I wanted it refunded to me. I was then told that it would take three weeks to process my refund. When I asked for a tracking number, I was placed on hold for nearly ten minutes. The agent came back on the line now saying that I needed to provide bank statements showing that the payment had been debited, and would not give me a tracking number for my refund request. I asked to speak to the supervisor, and she told me that I needed to prove the money was debited from my account -- even though their website clearly shows both transactions.
I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past XXXX years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to equifax but Equifax has failedto look at the document and make correction to my credit file. Since it is over XXXX years and there is no valid contract and equifax not follwing the law. I want this account be removed from mycredit file. Old and we have no cotract that I signed
In XXXX, 2017 I applied for a VA loan through Guaranteed Rate. Was told by XXXX XXXX that my we did not qualify for a VA loan because my dad 's credit score was too low ( over XXXX ) and his credit was really bad but I alone qualifed for a First time homebuyer program. Guaranteed Rate ran my dad 's credit three times and because of this, his credit dropped so low that he no longer qualified for a VA loan. Now, my dad is facing being homeless as he has to be out of his place by XXXX, 2017.
I received a letter stating that my debt was placed at their agency and I could set up payments or pay in full and only pay 50 % off the original debt - when I called ( on XX/XX/2018 ) it didn't sound right and I vaguely remembered paying this EXACT debt to the original collector about two years ago. 

I called where the original debt was owed and reminded me of the agency it was sold to and told me this letter was not part of their collection efforts. 

I called the company and told them over a recorded line to stop calling me and sending me letters that this was basically a fraudulent effort to get a debt that is no longer owed. She hardly let me get a word in and kept asking who the other company was - I told her I am not obligated to give her that information and they are not the ones who own my old debt that was PAID and to stop calling and sending letters.
I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ). 

There is an entry listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that someone with a similar name to mine filed bankruptcy in the XXXX  District of Florida U.S. Bankruptcy Court, and it has appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. However, it remains. 

I searched the XXXX  system and I have contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau information relating to any bankruptcy cases, and that your information is from an online service such as XXXX XXXX XXXX XXXX XXXX XXXX. I have searched XXXX  for information pertaining to this listed Public Record, and the address listed on the court filings is not my address, and I have never lived there. The address is located in XXXX County and I have been a resident of XXXX County for over 10 years. 

As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. to report erroneous information on a credit report. I demand that Transunion expunge the reporting of a bankruptcy entirely, as it is a willful violation of the bankruptcy reporting requirements of 15U.S.C. 1681c ( d ) ( 1 ).
Credit corporation is attempting to extort money from me because I am a XXXX XXXX living on a fixed income. The original creditor, XXXX, charged me for services that were never performed. The XXXX XXXX Jail paid the original creditor in full. The original creditor then billed my medicare insurance for services that were not received. Medicare paid the XXXX for the non existence services. This was Medicare fraud. Now the original creditor has turned the collection over to the Credit Control Corporation who is harassing me for {$2000.00}. I did n't sign any paperwork for medical services. Credit control corporation is conspiring with the original creditor to defraud and extort money from me.There is no proof that I owe any money because I did n't sign anything. XXXX. XXXX do n't pay hospital bills, The XXXX Sheriffs Office pays all XXXX medical bills. Collecting money from my Medicare insurance is a felony. Putting negative info on my credit report is extortion. I never received any medical care. I refused treatment. The bill was paid by the XXXX Sheriffs office and Medicare.
I have received your dispute resolution in regards to account number XXXX from a collection with the original creditor XXXX XXXX and now the collection company XXXX XXXX XXXX. I am glad you sent me your additional documents for my review. I have found that you have not answered all of the disputes from my previous letter to you and in fact did not provide the documentation required to satisfy the act under the United States XXXX Fair Debt Collection Practices Act ( FDCPA ) and are set out in XXXX of that act, which has been codified in Title XXXX, Section XXXX of the United States XXXX. 
# 1 I was not provided any notification from XXXX XXXX XXXX that the debt was transferred to them and when it was transferred to them. 
# 2 I was not provided a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
# 3 I was not provided with a list of charges that added up to the amount being collected in accordance to what is being reported. 
# 4 I was not provided a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
# 5 I was not provided with any documents of when the account was sold to XXXX XXXX XXXX no dates, no letter to consumer, but yet you are reporting that you had purchased and open this account with the following dates .... 
XXXX : XXXX XXXX 2016 XXXX : XXXX 2016 TRANSUNION : XXXX XXXX 2016 Not only have I not seen any documentation verifying these dates but you are reporting information that is inaccurate obviously due to the dates being different from XXXX another. 
# 6 On the XXXX report you are reporting the original creditor to be " XXXX XXXX Services. I am not sure how this is possible when you are stating on Transunion and on XXXX that the original creditor is XXXX XXXX. Again you are in clear violation of the FCRA regulations. 
YOU HAVE 20 DAYS TO FROM THE DATE THIS LETTER IS RECEIVED TO PROVIDE PROPER DOCUMENTATION TO VALIDATE THE DISPUTES AND DISCREPENCIES LISTED ON THIS LETTER. IF I DO NOT RECEIVE PROOF OF WHEN THE ACCOUNT WAS SOLD TO YOU, A STATEMENT THAT YOU SENT OUT TO ME FOR THE # XXXX ITEM LISTED, A LIST OF CHARGES ADDING UP TO THE AMOUNT ATTEMPTING TO BE COLLECTED, A LETTER THAT WAS SENT TO ME IN REGARDS TO STATEMENT # XXXX AND ALL INFORMATION BEING REPORTED ACCURATELY TO ALL XXXX BUREAUS WITHIN THIS 20 DAY PERIOD I DEMAND THIS ACCOUNT BE REMOVED FROM TRANSUION, XXXX AND XXXX IMMEDIATELY. 
Thank you, XXXX XXXX
Since 2016, I have been in dispute with two of the three credit reporting agencies, XXXX and Experian, regarding the unlawful reporting of a Chapter XXXX Bankruptcy that does not belong to me. I have contacted the Florida Bankruptcy Court regarding this matter and was informed that they do not give out anyone 's full and complete social security numbers nor addresses. I was also informed by the Florida Bankruptcy Court that a bankruptcy report or listing does not have the consumer 's complete social security number listed. I submitted letters to Experian and XXXX on numerous occasions trying to explain this information to them and informing them of my mistaken identity. These two credit reporting agencies continue to report this Chapter XXXX Bankruptcy on my reports. I froze all of my credit files with several credit agencies such as XXXX XXXX, XXXX XXXX, etc. Therefore, no one has access to my information, not even myself without a private pin number that was personally assigned to me. Experian nor XXXX are legally investigating my disputes, if at all and responding to me with false information that the bankruptcy was verified, yet no one can tell me how the report was accurately verified when it does not belong to me.
Again I come with the continuinf complaints against Ocwen and  XXXX   XXXX .   yesterdays complaint by you came in part from my complaints, I have a hearing on  XXXX   XXXX  where  Ocwen a nd  XXXX   XXXX  will try to sell the home from a bogus orde r in  XX/XX/XXXX  that the  court can dismiss or this complaint of yours can help.i am filing a copy to the court today, but can you aid me in this as I am the guy who helped create your office.The  XXXX  loan was a fraud, and the dox went into  XXXX  trusts! they are RICO and want help
On XX/XX/XXXX my Transunion credit score was XXXX and went down to XXXX for no reason. Nothing has changed in the last year. My credit score on XXXX my score is XXXX and has not changed. I called Transunion and talked with 3 different supervisors that said the same thing, " if I don't have or use credit my score will go down ''. If that is true my score would have gone down on the other two reporting agencies. I filed bankruptcy in XX/XX/2017, at that time my credit score was about the same on all three reporting reporting agencies was about 500. It has been going up consistently sense filing bankruptcy. I'm trying to get my score up to where I can buy some land to put my home on and can't with my score at XXXX. Transunion has made a mistake in calculating my score and I'm tole that there is no one there can fix it. I left my phone number with the last person I spoke with to have his supervisor call me.
I opened an account approximately a month ago at Bank of America that was setup with direct deposit. On XXXX I attempted to withdraw from an ATM and was unable to do so. I was told I would have to contact BoA the following morning. On XXXX BoA informed me that my account is in the process of being closed and my funds are unavailable for unknown reasons. BoA has not provided a valid reason for the erroneous closure nor returned my funds in a timely manner.
I received a car loan through XXXX XXXX  in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.
The credit agencies are saying that I owe a debt inwhich I do not owe and I have proof from the courts. So by the credit agencies coming back saying verified, I'm requesting the Method Of Verification, who verified what and when.
As ofXX/XX/XXXX Hyundai Finance is reporting a negative credit reporting to the OPM XXXX-XXXX Credit Report and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XX/XX/XXXX. I received the certified return receipt notice dated XX/XX/XXXX in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.
Southwest Credit Systems sent several harassing phone calls to my parents and, a few weeks later, sent me a bill saying I owe XXXX {$400.00}. I contacted XXXX which confirmed that my balance was paid and that I did not owe anything. XXXX faxed confirmation of this to SCS. SCS refuses to confirm that they received fax and insists I pay this bill that I do not owe.
Complaint was filed with Consumer Financial Protection Bureau on XX/XX/2017. XXXX could not be sent complaint, turned over to goverment agency. XXXX XXXX responded that they are ceasing collection activity on this account. 
CFPB Complaint # XXXX
The XX/XX/XXXX I initiated a SEPA transfer of XXXX euro to my XXXX bank account. The same evening the transfer was marked as completed and I got a e-mail that I would see the money on my account the XX/XX/XXXX. 
Until this day I have not seen my money and all attempts to contact CoinBase has failed. 

It seems that I 'm not the only one who have n't received the money from the XX/XX/XXXX. And it 's unacceptable to not give your clients any information whatsoever.
XXXX was apparently not properly notified with a warranty deed and apparently not paid by XXXX company when I sold my house. I have received debt collection notices from Transworld Systems Inc ( XXXX PA XXXX ) alleging they were collecting debt for XXXX. However, my records clearly show the alleged debt was paid via drop box ( XXXX in XXXX CO ) and that check has been paid. XXXX is at fault.
I have a auto loan with Santander Consumer USA, originally brought by XXXX. My issues is when I had failed behind my payment back the later part of XXXX due to I was laid off but I did get my account to current in XXXX XXXX. At that time, I asked the representative if I pay my balance will that restore my account back to good standing and that it will be reflected on my credit report and updated. She said yes it will. On my credit it showed chargeoff and the representative stated that it will take about 5-7 business days for XXXX will update my credit so it will not reflect the charge off. Since I had brought my account to good standing and making my monthly payments on time, I just happen to look at my credit report a couple months later and I still see a charge off. I called XXXX and explained to them of what 's going on and the representative apologize and stated that she will sending a message to the credit department so they can get that updated. I was like ok, maybe something was crossed up in the system the first time of why it was n't done. I checked my credit again a month later and the charge off is still listed but it does show my payments has been reflected on the account. I called XXXX again and she transfer me to the credit department. The young lady then tells me that my account has been restored back to good standing and they see where I 'm making payments on time but the chargeoff will remain. I told her that do n't make sense and they still sending me monthly statements each month for my payment and also shows the payment receipt. Also I 'm about to obtain my payoff information. I told her that is not best business practice b/c even my account is showing good standing it should be reported to the credit bureau in good standing instead of it showing collections/charge off. This has been a negative impact on my credit big time and this company is not truthful and is not operating legally when it comes to consumer accounts of reporting inaccurate information.
I demand to verify or remove them immediately :  XXXX   XXXX  -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : I have never paid late this account Beside that, my personal information is reported incorrect, please fix it My address is  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  CA  XXXX
XXXX XXXX XXXX XXXX has 4 different accounts reporting to my credit reports that are XXXX debts and are pass the statue of limitations and they will not delete them.
I paid a collection account on XXXX XXXX to DIVERSIFIED CONSULTANTS IN located XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have called 5 times within the past month to obtain proof that the debt was paid, I asked to please email me something the first couple of times I called so I can provide the information to the credit bureaus and information is updated, they told me THEY COULD NOT email anything ; however it would be sent regular mail, so I waited, and weeks later nothing came. This past Saturday XXXX XXXX, XXXX, I called once again and explain the situation, the representative told me " oh yes, I see you have called, there is nothing I can do but submit a request to be sent out '' this time I asked once again if the information could be email, and to my surprise he said the information could IN FACT be emailed, but it will be sent Monday Morning. Today is Tuesday, and I have check my email, junk mail repeatedly and nothing has com through. This is to formerly complain that this company continues to hurt my credit score as it shows the account is still open in XXXX. I have contacted them several times ( is on their records ) and to this date they keep giving me the run around and I am unable to provide XXXX with an actual document which states the debt has been satisfied. I already filed a dispute with XXXX explaining the situation, however the results were " not change '' meaning the account still shows open and it still has a balance. This company is failing to assist me and failing to provide information I have requested over and over again. My address was verified every time I spoke to them, lastly I provided my email and nothing.
I am filing this complaint, against EXPERIAN ( Credit Reporting Agency ), also known as XXXX, after exhausting all other avenues of resolution. My complaint is in regards to a particular tradeline that appears on my account for an unknown medical collection account. 

The tradeline is as follows : XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Account # XXXX I have engaged in the following correspondence with Experian. : XX/XX/XXXX : Dispute Letter to Experian, requesting VERIFICATION of the above account with XXXX XXXX XXXX. I requested the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

XX/XX/XXXX : Response from Experian. Experian responds by UPDATING this unknown account to reflect a {$0.00} balance, and a change in address. Reporting it as a Paid Collection. 

I wrote to the reporting CA requesting validation and received no valid response XX/XX/XXXX : Letter to Experian, notifying them that this account is disputed, and providing them with a copy of my letter to the CA XX/XX/XXXX : Response from Experian, notifying me of VERIFICATION of this account. 

They made no attempt to properly investigate or verify this account, or produce any documentation that shows that the reporting CA had any right to report on this unknown medical account. 

In a phone call with Experian about an unrelated issue, the Representative informed me that for THIS tradeline, they had no documentation which would authorize them to report on this account, based on any legitimate claim by the CA. Nevertheless, the tradeline persists on my report and has done SEVERE damage to my creditworthiness at a critical time. 

This unknown medical account appears ONLY on my Experian report.
According to Equifax 's website my data was likely stolen in their recent breach which impacted more than XXXX Americans. The credit monitoring service they 're offering only covers XXXX year of potential fraud and would require me to forfeit my right to litigation over this issue. Due to their negligence, I 'm also going to have to spend at least {$60.00} to freeze and unfreeze my credit reports. I 've never voluntarily done business with Equifax yet they have all of my personal information and their lack of security means that I 'm now at high risk for identity theft.
I contacted Wells fargo because they have a property that has been on the auction for almost three years now. I contacted the executives and got a response from a XXXX XXXX XXXX. He told me that the bank would not accept any offer lower than the reserve price which was XXXX under any circumstances and if the house did not sell after the date of the end of auction. The house would be giving to HUD. Two days later I check Auctions.com and the house is back on listing and XXXX XXXX dollars cheaper. I contacted XXXX XXXX and have n't gotten a respose yet