WillisBack/dataset-financial-user-claim huggingface dataset:
Last XXXX I received a phone call to my work phone from an agent of Account Services intending to collect a medical debt from several years before. I was surprised as I had never provided that phone number to this company nor to the doctor 's office, and of course neither permission to call me to my work phone. 
As the XXXX XXXX ( XXXX visit to the doctor for a check-up that generated XXXX different low amount bills ) provided were performed several years before and I always pay my bills on time, I was quite thrilled about this communication. I did not have record of payment or non-payment of the bill as they were years old, but I had no problem on paying the bills if they existed and were accurate. I called Account Services and requested a debt validation of it before paying the debt. When I spoke with the agent ( a woman ) she never advised me that the request had to be in writing, but stated that the debt validation notice would be sent to me and that then I would pay. I had received previously a letter from the company stating that the debt validation request had to be in writing, but as the collector told me that they would send it right away and that I would pay upon receiving it, she made me thought that collection efforts would stop till such validation was provided and that I would just have to pay once the debt was justified. 
Since that communication, I never heard again from Account Services, so I figured that they could n't validate the bill or there was some sort of mistake. Last week I was applying for a new apartment lease, so I went to XXXX XXXX to check that everything was in place in my credit report before the credit pull was done. I was astonished when I found out that Account Services has been reporting several medical bills as delinquent. I feel absolutely deceived. This is outrageous. I 've never stopped paying a bill on time. I even told them that I would pay immediately as soon as they proved the debt. I relied on their agent 's word, and in return my credit report is completely destroyed. 

I hope you can help me with this company
XXXX, heath care provider had an outstanding balance of XXXX from my XXXX. I was not contacted about this debt via mail or phone and was then sent to collections. Transworld systems inc is now harassing me about a debt I am will to pay but was not made aware of. XXXX admitted they had incorrect contact information for me. The mistake that was made by them has now caused my credit to be damaged and me to be harassed inappropriately. I have agreed to pay {$50.00} a month to catch this up and have done so to date. Yet my credit is still being affected and I am still being harassed. I have also been told the late fees and additional collection charges would be waived but they have not.
I wanted to get my XXXX credit report. I thought the process was simple, but it did n't work for me. I applied online but received the message " unable to confirm identity '' and then message " If I leave page now I wo n't be able to receive my free reports for a year '' That 's totally unfair, I have the right to see my reports online and do n't want to go through cumbersome process of filing paper forms. This would be difficult since I 'm XXXX and I do n't have a printer. Please help.
I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXXThese accounts need to be removed asap I have filed police and ftc reports regarding this issue. Police ReportXXXX Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department
I GOT SCAMMED VIA PAYPALHe told me to send as " to family or friends '' I was trading {$78.00} + {$1.00} ( fees ) = 80 $ totalfor counter strike global offensive case keys. 

He offered me XXXX keys for my 80 $ which I took to be a fair offer and accepted the trade, sending him the money first via paypal verified. He tells me to wait a moment because he needs to check he has received and then he logs on and blocks me.
To Consumer Bureau : This complaint is directed to The office of Consumer Affairs Equifax I place several complaint about this organization. To this day I have not receive any notification of the many many violation they have committed. I have document every papper since I have been under " OCA to repair my credict file '' My point here is they need to be investigate I swear they are abusing their power if your organization does not place any investigation them who will? if CFPA does not then you are giving them the necesary tool for their representation and granting them the rigth to treact United State Citizen. Shame on then when responding to the complaint as they really are working on something? Does this sounds fixing my file and reporting accurate information when this is the fact : They have block m, y phone number to place calls to then in other words they not sure how they did it but I ca n't not longer call from my phone line if i do then there is a message your call can not go true. They have block access to my file when I repedatly explain to them that I was in the midle of job hunting for consulting work so my file dissapear unless I calll and then they will release it it is crazy. My life is at theeir mercy what I am a criminal? No scores Incorrect names not mine place permanently of file with incorrect social security number. denied me to tell me the source that is reporting it. Saying that is correct how is impossible. did they show any identification that proof that? I know there is not unless is fradulent created. So if this sound to you that they are woroking on my file, I let you be the judge for that and if feel there is a violation I will beg you to investigate. I am not the only only one with this issue.
Called XXXX spoke with XXXX agents. " XXXX '' the supervisor in the dispute center refuse to assist me in removing XXXX inquires from my report I did not authorize or have knowledge of being reported. Refused to issue a case number for my dispute. Refused to remove inquiries. The call took place on XX/XX/2016 @ XXXX.
I have received repeated calls over the course of six months from Great Lakes on behalf of my student loans, even after I have requested them to cease and desist. They are violating theTCPA and it is interfering with my mental health. 

I want the collection calls to STOP, and i want to set up a p
Hello, I am concerned that a debt that the Law Offices of Harris and Zide are threatening wage garnishment for a judgement on a credit card that I am not familiar with. They say that there is a judgement but the judgement is n't showing on any of my credit reports. Also when I asked for them to verify the debt they had sent over a blank unsigned copy that resembles a legal document. I was never served and this " credit card '' XXXX and I have never had a XXXX bank credit card, nor have I ever had a judgement on any of my credit reports
I submitted a complaint on XXXX XXXX, 2016 but so far have heard nothing except it is in process. I need to include the attached to # XXXX. 
Specialized Loan Servicing denied our XXXX wire transfer payments & sent a fraudulent Notice of Foreclosure letter. They have not updated our mortgage statement all year including the last XXXX cashier 's checks paid. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX
I began to refinance our mortgage with Wells Fargo Home Mortgage company in the latter part of XX/XX/XXXX. I sent them some information they requested to their fax number. A couple of days later they requested more financial information and I faxed that sensitive information to them at the same fax. They lost it ; one of their reps laughing about it. After a week or so of this lack of professionalism and lack of regard for my personal financial information being lost by them, I told the financing rep ( XXXX XXXX ) and his boss that I was cancelling the application with Wells Fargo - I did not trust them. They said they would refund my initial application fee ( {$520.00} ). They had received my initial payment on the XX/XX/XXXX. As of this morning they had not provide a credit to my credit card. I called XXXX XXXX in Customer Care who could not have been more unhelpful. She would not let me talk to her supervisor, telling me the supervisor was in a meeting and would be in meetings until Thursday. I asked to speak with someone else who could expedite the repayment of the fee and was told there was no one else to talk with and that they might get the fee repaid to be in 45 to 60 days. 
So, they lost sensitive financial information I sent to them and have had my money for several weeks. I consider this a form of fraud. 
I would appreciate your assistance with this mess. 
Thanks, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, KS XXXX tel # XXXX XXXX
the company that purchased the 2nd mortgage loan on our property contact us and toll that we could get a loan modification or if not they would foreclosure on us.we fill out all the papers they sent us and we agreed to make payments for six months and come XXXX 2015 we would get together and do a modification but to our surprise we receive notice that the house had been sold on a foreclosure sell that we had 3 days to move out or be evicted by the sherrift police because the new owners wanted passetion of the house.I toll I was about to make my payment to the 1st mortgage he do n't do it we are paying them off we own the house. I call the company that 2nd mortgage and toll what happen we had agree to met on XXXX and do a modification the owner said its nothing personal its all business we own the house you have to move or be evicted.i toll that there no way we had a agreedment that the house had over XXXX dollars of equaty .he said lets meet so we did he came to the house and said that it wasent nothing personal but that they own the house we had to move out. I explain that how this could be that I had as my mom for a loan of XXXX dollars a couple months back to get courent with the 1st mortgage and we had to star paying it back on XXXX 2015. he said let me make a call to my associates and he did and said i all give you XXXX to move a get a rental place and if your out before the month ill give the money to paid your mom. I call the 1st mortgage and they set up for me to talk to my representative on the XXXX of XXXX but for some reason he did not call. I receive a call from the 2nd mortgage that why I had not cash the check thatif the month went by and we were not out we would loss the ckecks and be evicted by the sherrif. I went and met with XXXX lawyers but both wanted XXXX dollars and XXXX and hour to take the case and nothing warranty I did not had the money to fight the case. so we did move out before the month. I receive a call from XXXX the server on the 1st mortgage and he said that there was no way we sould had move out from the property that the only way for a foreclosure was if we were behind on our mortgage or property taxes witch was not the case we were current by the time the house had been rented and they had taken out XXXX dollars of the equity of the house on the XXXX weeks. by then the family had gone separated ways I was homeless for 11 months and got serve by my wife for the divorce and during the proses the judge said that something was really wrong and to call the 1st mortgage to see if we did own or not the house I did contact them and also XXXX and they both said that yes we are the owners and that we had to take this out with them the company that did the foreclosure.
On XXXX XXXX, 2016, I sold a condo to folks who previously had rented the property from me ( XXXX XXXX and XXXX XXXX ). As part of the purchase contract, I paid the closing costs. As part of the final Settlement Statement, the mortgage loan officer and the closing agent stated by phone and email that if we did not purchase the " optional '' owner 's title insurance policy that the price of the lender 's title policy would increase proportionally. In effect, this practice forces the purchase of a product ( the owner 's title policy ) to the detriment of consumers. I am seeking a refund of this cost ( {$270.00} ) and for regulatory intervention by the CFPB to consider ending a practice that is unfair to consumers. 

The purchasers have given me authorization to file this complaint on their behalf. Thank you for your assistance! 

XXXX XXXX XXXX XXXXXXXXXXXX
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Sent to Regulator FTC XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Company responded Account was closed by consumer for poor service!
the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my report
My balance due was {$850.00} and my minimum payment was {$19.00} due on XX/XX/XXXX. I had previously initiated a balance transfer, but in the meantime had paid {$19.00} to insure no late fees would be assessed. I also made two individual purchases ( {$15.00} and {$5.00} ) so as to hopefully have no balance. Two days later, the bank USAA received the balance transfer of {$850.00}. This actually resulted in me owing XXXX cents. I attempted to pay this balance on the XXXX of XXXX -before the closing date on my account. The system would NOT let me pay the remaining amount of XXXX cents. 
I called USAA on XX/XX/XXXX once again trying to pay the XXXX cents it said I owed. the representative could not help me. The representative suggested I go buy something in order to pay the balance ... this was NOT my goal. 
One day later, XX/XX/XXXX, I noticed a charge of {$16.00} has been added to my account. I called USAA to get clarification. 
They said it was because I still had a balance on my account and the interest was calculated on a daily amount. 
I am at my wits end with talking to USAA because from a consumer perspective if a bank says the statement balance is a specific amount, it leads a consumer to believe if they pay the entire statement balance then the account will have no balance!!!!!! 
This apparently is not true. I'm not understanding WHY, if I made every attempt to pay the entire balance, would I still be charged the interest. It's like double dipping. You pay the entire balance, but the bank still assesses you interest. If that is the case, then the billing statement needs to have an addendum " Even if you pay the entire amount due on or before the due date, interest has NOT been applied to the balance on your statement, and you will still be required to pay interest ''
I initiated two payments using Chase online to XXXX XXXX XXXX ( the " payee '' ) both payments initiated on XX/XX/XXXX and both payments " expected to arrive '' on XX/XX/XXXX. 

The payee claims to have only received one payment and can not identify which payment it received. Chase claims both checks were deposited.

I asked Chase to initiate a fraud claim with regard to the payment which was n't received by the payee. They have refused because " I can not tell them which of the two payments was n't received. '' The payments were made from Joint Checking and High School Checking. The transaction numbers are XXXX and XXXX. 

Please cause Chase to investigate and confirm that both checks were deposited. If they were, please cause them to open a fraud investigation as I have confirmed with the payee that they did n't deposit both checks.
I contacted Regional Acceptance and XXXX back in XX/XX/2018 in regard to this account reporting in accurate. This account was authorized under another individual name. I explain to Regional Acceptance that I was release of all responsiblity with this vehicle by a written agreement with the owner and should not be liable since I contacted their company in regard to this matter before hand. The dealership was aware I asked to be removed prior to the final signing from all responisbility of this vehicle. Because of the high interest and fortune to pay back terms. Regional Acceptance has fail to provide me all or any documentation to prove the outstanding balance exist and the written agreement that I'm obligated for this loan. I'm requesting this account be removed from my credit report immediately and this company be investigated into their lending practices.
I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX  - XXXX  XXXX   - XXXX - XXXX  XXXX  - XXXX XXXX - XXXX XXXX - XXXX  XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
On XX/XX/2016 I went in to XXXX XXXX XXXX in XXXX, Indiana. I went to look at lease end options, and was considering switching to a used XXXX XXXX. I was given an option to upgrade my lease, and get a XXXX   XXXX with features I wanted for XXXX/m. I was told GM had a special they where running, and they would pay the last five payments. I was also told that the milage I was over would possibly be forgiven, and I would need to call and speak to GM Financial. I asked how soon I would be able to speak to them, and the sales agent said he would provide me the number. Then it turned into I would need to wait until I got the bill in the mail. I took the car home for the weekend while they figured out the financing. I then went back and signed everything thinking everything was fine, and had to go back again to the dealer a second time because they didn't do the deal right. A year later I received a bill for the lease I traded for the new lease. I reached out to the sales person and was told they sent payment. I reached to gm financial and they said they did not. I have been working with the dealer to try to correct, but have been unsuccessful and been given the run around. I also filed an official complaint with GM Financial, and was not even called back about the situation. Spoke to sales manager in XX/XX/XXXX no luck, and spoke to General Manger last month and no call back. Some where someone dropped the ball, and they are not wanting to take honorship. I feel there is something that needs to be addressed, and even requested a copy of the deal but was told it was too long ago to possibly find. This is reported to my credit report and has been affecting it for over a year.
Naviet States that it will not go back to XX/XX/2014 an apply the payments that I sent in to the correct loan that was in repayment. They applied my payment over XXXX loans although only XXXX loan was eligible for repayment. Again they have record of me sending in payments but will not give me, well my mom seeing as it was a federal parent plus loan, credit for the only loan that is eligible for repayment.They turned the loan over back over to U.S. Dept of edu. In a default status.
On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my Equifax credit report. On XX/XX/18, I sent Equifax a certified letter which was received by Eqifax and signed for on XX/XX/18, asking Equifax to validate this reporting. On XX/XX/2018, Equifax replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor XXXX ''. I have a copy of my XXXX report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By stating Equifax verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).
I applied the Citi Prestige credit card using the link which offers XXXX thank you points after XXXX $ spend in the first 3 month on XX/XX/XXXX, and called the number XXXX to move the credit limit XXXX $ from the Citi advantage master-card to the prestige credit card, and the card got approved. I also conformed the sign up bonus which is XXXX points after XXXX $ spend in the first 3 months during the phone called. I met the XXXX spending requirement on XX/XX/XXXX, but have not received the XXXX points sign up bonus. I called the number on my card back XX/XX/XXXX and XX/XX/XXXX to find helper and the representative stated that I will not received the bonus because there was my thank you preferred credit card was closed within 24 month. Also, She stated that " Youre eligible for the sign-up bonus if you havent opened or closed a ThankYou card of any type in the last 24 months. This includes Citi Prestige,  Citi Premier and Citi Preferred cards ''. But I have never closed the thank you preferred card and never known it had closed by Citi Bank before the phone called. when I log into my Citi Bank account, the thank you preferred credit card is still showed there and there is no any small print which shows the card was closed. I have never received a letter or email from Citi bank to inform me the card was closed. Please see attached. 
If for this reason I was denied the XXXX points bonus, it sounds not fair and reasonable for me. They closed my credit card account and told me that they will not offer the sign up bonus because my one credit card account was closed.
On XX/XX/2018 I received an email notification that my credit score had dropped. Upon checking, I saw that a collections account had been added from Online Information Services on behalf of XXXX XXXX. I immediately disputed the debt, and received the first letter in the mail notifying me of this debt, which is dated XX/XX/2018. I was never notified of this debt by this company, or XXXX XXXX.
my school loans were paid and closed in XXXX because of my TPD. The loans from XXXX XXXX XXXX, XXXX and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
Transunion employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

XXXX started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in XXXX it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/2017 to XX/XX/2017. 

XXXX has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...