WillisBack/dataset-financial-user-claim huggingface dataset:
Madam/Sir, this letter is a formal complaint that is reporting inaccurate credit information. Specifically, they want to screw up my credit and threatening me to a pay the amount that I do n't owed them. The charge is incorrect and misleading by this collection company and fraudulent. I am very distressed that in my credit profile due to its effect. Please help me to stop these gangbusters. Please adviseI was charged without my awareness {$4200.00} as of XX/XX/2015I never seen a Doctor or signed any document regarding any medical treatment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
WESTSIDE RECOVERY SVCS {$4200.00} as of XX/XX/2015Collection account. {$4200.00} past due as of XXXX 2015. 
Their XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX never signed or get any treatment by this company as of 2015 or prior to that year. 
I do n't owe them {$4200.00} dollars. They 're scamming and ruing my credit. Please help me taking care of this weird issue from this company. 

Thanks, XXXX
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following -- - XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I received an unfair and very upsetting response from Bank of America regarding my payment that they debit from my account, when I made a payment on XXXX XXXXJust because I am behind on my payments that does not allow them to take more then XXXX payment without my authorization. Please investigate this case and have them credit my account XXXX payment as a courtesy due to drafting my payment for more than XXXX payment and fess from my checking account and leaving me with any money to feed my kids or gas for work and unable to pay my bills. Its was snowing that day and was scare my light was going to get cut off because I did not have the funds available to make my payment because they took all my funds from my checking. Plus they charged me NSF fees because I placed a stop on my payment and took my bank XXXX to XXXX days to clear that transaction.
I have applied for a HELOC loan through my primary bank ( TD Bank ) XX/XX/XXXX. I have lost faith in my bank where I have XXXX accounts, longevity and credit scores pushing XXXX! The communication has been non-existant and I do not know where to turn. Please help me!
The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.
Recently I was informed that I have a loan with a company called Navient. I explained to the representative that I was unaware of any private loan and that I am unable to pay the loan at this time. I also explained that when I consolidated my student loans I was told this would include all of my student loans based on the ( NSLDS.ED.GOV ). I have explained that I am on an income based program with the consolidation of my student loans ( Direct Loans ) with determined that based on my current income my income is not sufficient to make payments at this time. I asked the representative for any options on cancelling or doing something similar with this loan payment she stated there are no options to do that and that I should ask my XXXX grandmother who does not work to help make the payments. I am not sure how she expects and elderly woman that I care for and support to make payments either. I truly feel she did not intend on helping me an any way!!!!
On XX/XX/XXXX, I requested via on-line form that Experian place a credit freeze on my account due to the XXXX data breach. After completing the form and submitting it, the web response was that my request could not be completed on line and that I had to send in a mail request, a request that had to include documents confirming my identity, which of course were also subject to data theft via mail diversion. I requested in my letter that I be informed as to why my freeze request could not be processed on line. I received a letter from Experian noting that my freeze had been placed, but no answer to my question regarding why I could not establish a freeze on-line. On XX/XX/XXXX of this year, I wanted to have the freeze temporarily lifted in order to apply for a credit card. I completed Experian 's on-line form requesting a temporary lift, which included my credit card info for a {$5.00} charge, and submitted the form. The next screen informed me that my request could not be completed on line, but had to be mailed, once again including social security number, utility receipts, my freeze PIN, DOB, copy of license, etc. All info subject to mail diversion/theft. I have tried calling Experian at least 10 times using various numbers ( XXXX XXXX XXXX ) ; during none of these calls was there ever an option to speak to a live representative - only multiple voicemail options with instructions followed by a hangup. The requested information was mailed to XXXX on XX/XX/XXXX by certified mail. It arrived in XXXX TX on XX/XX/XXXX but was not delivered to XXXX until XX/XX/XXXX. Experian states mail requests will be honored within 3 days. It is now XX/XX/XXXX and I have received no information from Experian that my freeze has been reversed. It seems impossible to check freeze status by internet web service or by phone ( yes, multiple failed attempts again today ). 
It is unconscionable that a company whose business model is to profit from my personal financial data without my permission or recompense to me would not provide a readily accessible means to speak to a customer service agent in order to get a question answered, and would not answer a specific written question about freeze services. This is obviously deliberate on their part ( multiple similar complaints in on-line and social network forums ).
I received a call form XXXX County of Government XXXX on XX/XX/XXXX. The caller asked that I call XXXX for more information on the case. I called the number, which turned out to be a debt collector working on behalf of Western Sky. The representative said I bounced a check in XX/XX/XXXX and wanted to know if I wanted to settle the matter now. I thought it was strange because I commisssioned a debt consolidation company to pay off all of my debts and this one was not included. The gentleman asked my name and proceeded to state my last XXXX of my SSN. When he stated the address, the address mentioned was n't my address. I stopped him and ask for documentation of proof, since the information he was giving was incorrect. He began to raise his voice, so I hung up the phone. The representative in turn, call my phone at least 4 times leaving harrassing message calling me a scum and telling me I had no intentions of paying the debt, I waited and then call him letting him know what ( this scum ) would do. I do n't know who this person is/was and I really do n't want to know. But his behavior and the threatening manner in which he spoke to me was/is unacceptable.
On XXXX/XXXX/XXXX I was treated at the XXXX. in XXXX XXXX. I was treated and released. I am a XXXX Veteran insured by the XXXX. Due to a glitch in the system, I did not have my ID card. Medicare paid part of the bill. I submitted the bill to the XXXX for payment. Thought it had been paid. When we went to inquire about refinancing we we told that our credit score had dropped due a collection agency named Commonwealth Financial CFSI. I was never contacted by this agency or asked to defend the charge of {$960.00}. I have been trying to get this resolved since XXXX XXXX. They have been sent numberous pieces of documentation stating that I was insured by the XXXX. My Doctor gave me a statement on a XXXX form which stated that I have been a XXXX patient since XXXX/XXXX/XXXX to present day. I sent this along with a letter and my ID card to the agency. I was told that if I gave proof of my elegibility as a Veteran that the debt would be cleared. My wife spoke with many reps there and General Manager XXXX XXXX, XXXX, XXXX XXXX, XXXX. She calls on a weekly basis, each time they say it is with client relations and call back later. In early XXXX they said it was sent back to XXXX XXXX XXXX. Call again for status. They had not heard back. Today XXXX/XXXX/XXXX over XXXX later, she is informed that the account is on hold for 60 days and that XXXX XXXX XXXX is rebilling the XXXX XXXX. This is a clear violation of my right as a Veteran who has served his country and always enjoyed excellent credit. This bill is not my responsibility. Please help get this issue resolved so that we can get our credit score where it should be. This is not way to treat a Veteran Thank you
Buys and deposits are disabled in my account on Coinbase without any reason.

I contacted Coinbase support but they do n't answer. In my wallet there are XXXX and they have verified my phone number, my ID and my banck account. So there 's no reason I ca n't buy cryptocurrency.
XXXX XXXX ss # XXXX dob : XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wlms Fudge Opened XX/XX/XXXX {$740.00} Original creditor : XXXX UNIVERSITY Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Wlms Fudge Opened XX/XX/XXXX {$740.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report
I was unaware of the tax lien as I lost my job and switched apartments to save money. I found out about the lien AFTER I started working in XXXX XXXX XXXX XXXX at which time they lien/garnished me in a coercive approach that gave me no options in XX/XX/XXXX. I saw that it was removed in my XXXX account, then I saw it re-appear with XX/XX/XXXX at a date instead of XX/XX/XXXX. Should n't this be off my record by now? Not only did the government get its money back but it contributed to my becoming unemployed. Please help. 
I thought these items were removed if not close to their expiration date on my credit report and now they seem to be re-animated " zombie '' debt. 
Please help me fight this or explain what I am doing wrong. 
Thank you!
I had a car loan wit h  XXXX Toyota Financial,  got diagnosed with   XXXX   XXXX    XXXX   XXXX  so asked them to extend the loan for me, prior to extending the loan,  Toyota  took my car like a thief in the night in  XXXX    XXXX  . Car was repossessed without any opportunity to retrieve my stuff of value from the car.  Toyota  sold my car and send me a statement saying I owed nothing,  XXXX  balance, copy attached. Now, I understand that they are taking me to court and have indicated that I owe them {$8000.00} plus on my credit reports. I have tried to get the credit reporting agency to do the necessary adjustment/corrections with no positive response, they have stated that the company verified the information, even after submitting the attached statement.
The vehicle I was financing through GM Financial was repossessed by the loan company in XXXX, XXXX. A payment was en route to their office via USPS at the time. The repossession happened at my apartment building, which is private property. The next document I received from GM Financial was to inform me that the vehicle had  been resold and that I owed the remaining balance. I did not receive any chance beforehand to make arrangements to get my vehicle back. I also did not receive the notice of resale, which would have informed me of when and where the resale was to take place ( either public or private auction ). Prior to the repossession, GM Financial frequently called me at my place of work after I instructed them not to. They also made harrassing phonecalls several times a day if a payment was past due by only a few days.
Wells Fargo bank is reordering payments to increase amount of overdraft fees they can charge. I wrote a check for XXXX to pay for the rent and deposit on a new place that was written on XXXX/XXXX/15 but was n't deposited until XXXX. I had XXXX payments that cleared before the overdraft hit my account that processed on XXXX and XXXX. Wells Fargo reordered the checks so the check was processed before the payments increasing my over draft fees from XXXX to XXXX plus the amounts of the payments they had already processed.
My current account has been with Chase since XXXX. I also maintain a credit card account with them. I have a good credit score of XXXX and I have never been late with any payments. Additionally, my salary gets deposited in my current account and I've had a good relationship with the bank without any penalties or fees to date. 
I purchased a house on XX/XX/XXXX as an investment property with another lender because Chase refused to give me a home loan. This was despite having a regular salaried income where I work as a finance manager, a high credit score and no debt in any form. 
I was approached by Chase after the home purchase by one of their mortgage agents asking me if I wanted to refinance. I agreed and sent them all the required information including XXXX 's, tax forms, lease agreements, tenant check deposits etc. The mortgage agent requested a good faith deposit of {$500.00}, which I paid. The appraisal was done and the property was valued above the price i paid. My loan was locked at 4.5 %. I was asked to provide reserves, which I did, showing {$42000.00} of combined reserves. Chase now refuses to meet its promise by demanding more and more reserves, and refusing to provide the loan. This is an undue burden being placed on me, stemming out of XXXX discrimination. 
I am a woman who is not XXXX and speak with an accent. I have experienced first hand how difficult it is to obtain a loan despite having good credit, a good relationship with my bank and having my salary credited there. I never imagined that this level of blatant XXXX and gender discrimination is allowed to flourish with such impunity by banks in the USA. I am a XXXX, XXXX employee of a XXXX XXXX company and have worked in the XXXX field for over 8 years with a XXXX XXXX. 

Will Chase be demanding its white clients to jump through so many hoops? Would it require its white, male clients to pay higher than normal interest rates for the same risk profile? Would it expect its white, male clients to provide years of mortgage payments as reserves? When do immigrant women become 'perfect ' enough for Chase to provide a loan? 

They have no legitimate reason to back out of this agreement. XXXX XXXX the mortgage agent suggested that I shop other loans just in case. In case of what? In case Im not white enough, my name not anglicized enough or not male enough? If my salary is good enough for Chase to accept and do business with, then my credit should be good enough for a loan. Chase can not be allowed to blatantly discriminate and get away with this kind of shameless, immoral and unethical mortgage discrimination anymore. Its XXXX and not the antebellum South. Its time Chase realized that as well.
On XX/XX/XXXX XXXX I received a call from a collection agency regarding a bill that I have multiple issues with. 
1 ) I never received a statement from original creditor as I had moved and had informed them of this, which they made no attempt to obtain my new address. 
2 ) The last time I spoke to original creditor I requested my account to be closed, told then to keep the {$20.00} balance and then I cut up my debit card. Never used account again. 
3 ) The first time I was informed of this debt it had been sold and I was informed by XXXX of their collectors that I could not dispute the bill. ( this was around XX/XX/XXXX ) 4 ) The next collection agency called me XX/XX/XXXX informing me of bill. I gave them my current address and requested bill and advised the company I was disputing bill but wanted a letter to respond in writing. never received letter. 
5 XXXX Now I have reached the last incident. XX/XX/XXXX Again was contacted by a different agency. Updated my address AGAIN. advised the collector I was disputing the bill and that I wanted a letter. He then informed me that because I was verbally disputing the bill I was not entitled to a letter from them.
I had a different account at coinbase that had money in it. My phone got torn up so I was unable to retrieve my account without a two-factor authentication code which could only be used on my phone which i did not have. i had a different phone that was not linked to this account. So i called the company and they said there was nothing they could do at this point, they would have to have their specialists look at it. which they did not! I even gave them the new phone number so the money could be transferred to a new account with my new e-mail. Ive have called numerous times since this happened and they give me the the run around. that they need a specialist to look at it and there is nothing they can do at this time. How long does it take to transfer money into a different account. Ive went to the hospital to deal with my XXXX and XXXX this has caused me. I just want my money back, even though its ony {$110.00}. They have caused me to lose money when cyptocurrencies started to go down.
Equifax is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the XXXX XXXX XXXX board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a XXXX party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a XXXX party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!
I have sent 4 disputes certified mailed to Transunion and emailed it's CEO XXXX XXXX. They have continuously violated the FCRA. I have requested that my adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.
i have a XXXX county superior court case XXXX demand for payment of {$9500.00}. took my remaining $ XXXXfrom my bank account yesterday i am a single mom and there are XXXX college children