WillisBack/dataset-financial-user-claim huggingface dataset:
Transfinancial Companies has failed to VALIDATE account. This is a medical collection in which I am not aware of, and I want it removed from my credit file. I have filed a complaint with the better business bureau on XX/XX/XXXX, and their response was our records indicate that we received your request for validation. Our office researched and validated your account on XX/XX/XXXX to the address on file. That is not true. I have never received any validation with my signature on anything. 
I sent in a dispute in XX/XX/XXXX and requested that they provide me with documentation with my signature that was signed to VALIDATE that the debt is mine along with a signed HIPAA consent to release my medical records, and I have yet to receive the documentation Ive requested. Sending an itemized bill isnt a VALIDATION of debt. Transfinancial Companies is practicing illegal debt collection tactics and is causing tremendous harm to my credit report. If they do not delete this inaccurate information from my credit file I will pursue legal action against this collection agency.
I purchased a vehicle XX/XX/XXXX in which Santander was the loan company with an interest rate of 24.9 %. I voluntarily told them to pick up the vehicle in XX/XX/XXXX because my loan payments were never applied correctly and my balance never went down. I would be paying $ XXXX for a car worth $ XXXX. It took months for them to finally pick up the car and then they lied on my credit report saying it was an involuntary repossession. They balance due after them selling the car was around $ 7K. They have continued to put an additional amount on my credit report every month since XX/XX/XXXX, between {$400.00} - {$500.00} at a time. It has hurt my credit as it is the only negative item I have. On my credit report, it says it's a closed account however, the keep adding money to my credit report every month. I am unable to refinance my current car loan or even trade in my current car because of this nonsense. Today, my credit report says the NEGATIVE ACCOUNT WILL STAY ON MY CREDIT UNTIL XX/XX/XXXX. How is this even legal?
XX/XX/2017, I have tried several time to have Transunion remove some aliases off of my Transunion credit report. I have sent them proof of my identity thru driver license. They refuse to remove two aliases off of my report. I have reported it as fraud to them.
Issue summary : $ XXXX transferred from XXXX to Citi is missing. 

Issue details : 1. XXXX XXXX opened Citi bank account online and initiated opening deposit of $ XXXX in the process 2. XXXX XXXX XXXX deposits by Citi into XXXX verified 3. XXXX XXXX received Your opening deposit has been made email by Citi 4. XXXX XXXX $ XXXX withdrawn by Citi from XXXX 5. XXXX XXXX closed XXXX account 6. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 7. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 8. XXXX XXXX morning called citi since citi account still did not have funds credited. Was told it will take XXXX business days 9. XXXX XXXX evening call to Citi. Was told that my account was blocked for fraud and funds did not get into citi account for that reason ( No reason for fraud/block given ). Citi said they rejected the funds.But the funds would not go back to XXXX because i closed XXXX account not knowing that citi had blocked my new account. Had a conf call with XXXX, citi and myself. Citi and XXXX both blamed each other. Citi guy said he will follow up on why the account was blocked. But he never got back. 
10. XXXX XXXX, talked to Citi supervisor named XXXX XXXX, explained the situation. She told she will talk to new accounts/fraud dept and ask them to give me a call. But never got a call back. 
11. XXXX XXXX talked to XXXX regarding missing funds, they said will look into it 12. XXXX XXXX XXXX gave me transaction details for the withdrawal and asked to file a case with Citi. They told me the reason funds got rejected by citi is name mismatch ( citi never informed me about this ) 13. XXXX XXXX citi declined that they have funds and was told that the account is being closed 14. XXXX XXXX filed a case with citi regarding missing funds, was given XXXX business days ETA 15. XXXX XXXX got a call from Citi regarding this issue, repeated the whole ordeal in the phone and was told they will get back. 
16. XXXX XXXX got a call from Citi again asking my experience with citi banking, I gave them my issue details again. Was told they will get back 17. XXXX XXXX, today. No update from Citi Never did I get an email/mail/call regarding blockage/fraud/funds etc from Citi before I found out myself on XXXX XXXX. They were utterly negligent/irresponsible/unresponsive/gave false info multiple times. They even sent me atm card, check book, account statement giving me false impression that everything is ok. 
I had to call them every week and find out as to whats going on. Wasted about XXXX hours in the process. ( Above list of calls may not be complete )
I have been trying to pay off federal loans since XX/XX/XXXX, when I graduated. It was impossible for me to become employed during that time, and I had to delay payments. Since then, my total amount has skyrocketed. I have been paying somewhat successfully since XX/XX/XXXX, however, I always have problem recertifying my income based repayment program, and have to delay payments because the minimum payment goes up. Every year, they fail to adequately assist me in recertifying, and this adds thousands to my balance. Last year I was first given false information, then given incorrect information, which caused me to pay more than what I should under the program. This year was no different. They sent me a notice inXX/XX/XXXX with a due date of XX/XX/XXXX. No email. No call. Zero notice since XX/XX/XXXX. I recertify every year, and every year they deceive me into missing the due date. There is no option to auto-recertify. This causes my minimum payment to skyrocket to five times the usual amount. It is unfathomable that they are allowed to do this. I know what will happen, because it happens every year. They will either defer or forebear, then add to the total balance, causing my total balance to continue increasing every year. I have to spend hours on the phone every year fixing the problem. My total balance is over XXXX because of this systematic deceptive practice. I graduated owing half of that. I will never pay it off, and they will continue adding to it every year.
On XX/XX/XXXX some person or persons took a image of my tax customer & remotely deposted an amount of $ XXXX.Chase incorrectly honored an illegal check and deposited {$680.00} to my account ending in XXXX account. The criminals then withdrew two amounts one for {$400.00} & another for {$280.00} at XXXX & XXXX stores. I received no proceeds from the fraud and immediately as i recognized it I informed the local branch. Chase is refusing to honor the claim and has debited my account in the amounts of {$400.00} & {$280.00} TOTALING {$680.00}. effectively saying I had something to do with this fraud. They provided me with a complaint number and it is:XXXX. Hopefully tis csn be resolved with me having to take legal action.
On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at Equifax, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with XXXX and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. XXXX XXXXs credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of XX/XX/XXXX.
I was contacted by a debt collector XXXX for medical services. I moved out of state and did not receive bills for the medical treatment. I was unaware I owed this money. Now I 've been sent to collections for {$50.00}. Is there any way I can get this paid and removed from my credit report?
XXXX XXXX XXXX XXXX XXXX, XXXX ACM Group FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. 
I called it and was told this is ACM Group ; we were hired by someone who is collecting a debt for XXXX. ( I googled ACM Group and found on page XXXX the FTC data ). ACM said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with XXXX, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. 
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom XXXX account. I always ask for proof of the debt and an itemization of charges because I do not know of any current XXXX debt. After that I never hear back from that collector. 
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. 
This sucks! I need your help!!. 
I called XXXX and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.
I am a current victim of Identity Fraud through use of my USAA internet checking account. I have received over {$46000.00} in banking fees and fraudulent checks and purchases made through debit purchases and funds transfers. I initially received a returned check in the amount of {$4800.00} drawn on XXXX XXXX XXXX in XXXX, payable to my name, and deposited into my bank account. -USAA offers deposit at home for some of their banking members. - This check was clearly deposited at home, and cleared by USAA. Once this check cleared, the individual decided to open numerous accounts in my name and expediting debit cards ( which the XXXX rep informed me of ). I asked for the address the cards were sent to and all she could give me was my address, that seems weird. The cards were activated and the individual immediately proceeded to make purchases. From XX/XX/XXXX-XX/XX/XXXX, about XXXX transactions were made, all in XXXX, and I live in XXXX. Many of the transactions were for the same dollar amounts indicating the same purchases. XXXX transactions at XXXX different XXXX XXXX of which were the same day, XXXX transactions at XXXX on the same day, and the rest of the transactions were debits at XXXX XXXX and XXXX XXXX. I have contacted USAA about this on 3 separate occasions with no resolve. I reached out initially when I received the returned check, informed them of situation, and was advised the account would be closed and I could never open another account. However, the damage was already done. I called again once I received numerous returned NSF statements and banking transactions. I was told someone would follow up with me, about this and advise further. Again no resolve. A month later I received a statement of collection in reference to these accounts. I immediately called USAA again to find out what is going on. What I found out, was : This person open numerous accounts online or on the phone, had each atm debit card was expedited to him, and began immediately transferring money. I spoke with this rep for at least an hour, explaining and going over every single detail. I also requested from her an email to follow up and confirm that conversation, which I have yet to receive. The XXXX most evident things, he has to be familiar with USAA processes to know what to do to open account or how to use deposit at home. I have had my savings account for over a year or so and have NEVER had more than {$100.00} in there, now I am randomly opening accounts and depositing checks. I have NEVER deposited any type of checks with USAA. And I suddenly just randomly open checking account after checking account with no RED flags from the bank. Does not make any sense, but shows the obvious flaws in USAA 's online banking. I decided to drive to the closest physical location which is an hour away. I attempted to speak to someone on person, pretty much received the same response I did on the phone. I was told I will receive a respond in XXXX business days. My next attempt is to seek counseling from an attorney, because USAA is obviously not concerned about resolving this issue.
For weeks now I have been having trouble getting a satisfactory answer from Keybank. I have talked to many representatives both overseas and here. The web of phone lines I have had to go through to get a person to help me is amazing and not in a good way. Here is a brief synopsis of what I have been going through. 

On XXXX XXXX we bought a car for XXXX I wanted to charge it so we would get our points but the seller did n't take credit cards I remembered convenience checks from years ago and I remembered them being free. They were just sent to me without asking. 

On XXXX XXXX I called Keybank with questions and got an overseas representative, XXXX I asked her if there were any fees and if I could get my reward points She was very quick to get my information and send me the checks but I kept asking the questions. She answered in an accent that was hard to understand so I asked many times. 
She kept going and asking her supervisor I was not following her very well but thought I was asking the right questions ... over and over again I do remember saying So this is like using my card ... and So do I still get my reward points ... 
she would quickly answer me in broken English ... 

Then I get the checks in the mail ... I look it over and do NOT see anything that says Convenient check fee so we use the check Then I look up my online account and see {$150.00} charge for Convenient check fee and I received no points ... 

Looking over the Letter again I see on the back last line that no reward points will be given. 

Since I have talked to many representatives all saying they can not waive the fee because the representative I talked to, no matter how bad her english was or how fast she talked, DID tell me it was a XXXX % fee or XXXX. They all agreed the original phone call I made to get answers about the convenience checks ( and got an XXXX representative who spoke fast and broken english, and clearly reading things out of a book or checking with her supervisor ) did sound like I was confused and not understanding but the fact that the representative did tell me XXXX % fee covered their butts legally so they will not waive the fee. 

This fee was worded on the letter but as a " Balance Transfer Fee '' and not a Convenience Check Fee. How was I to know that? 

We have been good customers of Keybank for over 30 years and yes this was a mistake on my part for not hearing her say the checks have a 4 % fee which in my case is {$150.00}. But in my defense IF I would have had an english speaking representative help me this whole thing would have never happened. 

The original representative was XXXX and my case # is # XXXX I can not seem to get to speak with a person that COULD make the decision, in my city, who represents KeyBank. 
I have talked to XXXX XXXX XXXX XXXX and a few other overseas operator/representatives whose names I did n't write down Thank you, XXXX XXXX
I received a notice from AmSher to collect {$450.00} on behalf of XXXX. They wrote they would settle the debt for {$270.00}. I called to explain the situation and inquire how the settlement amount had come about. the issue was escalated to the supervisor who in turn was unable to explain how they came up with {$270.00}. I explained that XXXX XXXX XXXX had reimbursed me only {$190.00} for the phone that XXXX wanted to charge me {$450.00} for and I was gladly refunding that money to XXXX or Amsher on their behalf. The supervisor ( XXXX ) was extremely adamant and recalcitrant that he was right and was n't listening to my argument. I even offered to show proof and evidence. I also mentioned the reason I was unable to collect the rest of the money from XXXX XXXX XXXX was because XXXX had not given me the rest of the documentation I needed on time.
I submitted a dispute to Equifax regarding an account that should not be on my credit report, as it was paid in full and agreed to be removed via the orignial creditor. This dispute was submitted at the beginning of XXXX of 2018 and has taken longer than 30 days to resolve. 

Account Name - XXXX XXXX XXXX Issue : Balance paid in full, agreed to be removed from credit report after resolved via original creditor. 
Credit Reporting Agency with dispute : Equifax.
I have noticed an inquiry on my credit report from Consumer Portfolio Services, CPS, I called the number provided asking them to remove the inquiry since I have never applied for a loan through them nor have I given them a permission to pull or check my credit, after few minutes of questions they assured me that it will be removed, it has been almost a year and nothing was done, I called a couple of weeks ago the same number & was told that they have no record that the inquiry was supposed to be removed but this time it will be taken care of ... .... I honestly do not trust these guys and need help with this issue. 
Thank you.
XXXX XXXX, XXXX I have been plagued by the mistakes of XXXX going back to XXXX and most likely prior to that time. I have attached a letter I wrote to them back to XXXX which was my third request to them pointing out their mistakes and never received a replies to any of my letters. I cut the service in XXXX XXXX and went to XXXX XXXX and XXXX continued to bill me for three more months. I have asked for an accounting of my account and never received this. They sent a collection agency after me and I told them this would not be paid as XXXX actually owes me money. I travel frequently for work and can be gone for months at a time and really just did not have time to deal with a problem of {$130.00} dollars. 
They put a collection on my credit report back in XXXX and just recently they assigned another collection agency who filed a collection on the same amount driving down my credit score down once again. If you look at my credit these people are the only ones I have ever had an issue with. 
I am requesting a complete investigation of my account as I believe the root cause is somewhere along the line they changed the long distance telephone service to non-long distance and every time a call was made long distance charges were being assessed ( who would sign up for that??? ). I had an automatic payment set up, however my XXXX XXXX who is living at the property would pay the additional amount out of funds I was giving her. 
When I inquired on this on XXXX XXXX XXXX, I spent hours on the phone and finally was given to somebody in the back office who discovered the problem and said this could take months to fix, however was supposed to change over the service at that time back to long distance. Again thinking this was taken care of, I was notified again the service was shut off?? Good grief what does it take to get something fixed and why was this so complicated? At that point I was frustrated and canceled the service going with XXXX XXXX for the service provider in XXXX XXXX and XXXX continued to bill me for another three months. As you can see they owe me money. 
In addition, I told them all communications should come to me at my residence in PA and that never happened as well. 
I am requesting a complete audit of my account and I really think this goes back to XXXX when I relocated. I want whatever refund is due back to me and my credit cleared. I also believe because of the damage this has done to my credit I should be compensated accordingly. If not, I will go to the media and every agency out there to continue to have this fixed. I will not go away as this needs to be resolved once and for all as it is unbelievable the service that is provided with calls being offshored and I really think they just want you to give up and pay for their mistakes. 
The collection agency is IC System XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX Account NO XXXX IC System reference NO XXXX Sincerely, XXXX XXXX
On XX/XX/2017 I withdrew a certain amount of money from XXXX of my checking accounts at TD Bank, but when I withdrew the money they double the amount they give me and overdrew my account and now I am in the negative and have NO money to feed my family
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX
I was broken into 3 times to my apartment. The 3rd time the burglar took my important documents which resulted in taking my XXXX XXXX credit card. I was unaware as I wasnt using the credit card anymore. After some time I received mail that my account was in collections. To avoid this getting reported to the collection beraus I tried paying it off but I then noticed the charges werent mine.