WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to set up a payment arrangement with Flagship Credit Acceptance regarding my car loan. I informed them that I only get paid on the XXXX of every month and was informed that I could change my due date but they would not do so. Also, my house was in the process of foreclosure so I had to resolve that issue which I did before I could move forward with paying my car loan. The representative threatened me and asked where the vehicle was so they can come to my house and take it since I 'm not responsible. The representative hung up every time I tried calling her back and sent me threatening e-mails as well. I am able to pay the full balance on XXXX XXXX to resolve this matter but no one is calling me back.
I hired someone to assist me in helping me with some items that were due to identity theft and reporting them to the credit reporting agencies. I also faxed my information. I have not received a response and it has been been past the time frame. I have attached copies of everything I sent to them including the agreement I signed giving them permission to help me and contact me on your behalf.
I continue to get calls from the number XXXX. I have explained to them that the number of the person they are looking for does not own the phone number that they are calling. The XXXX representative hung up in my face and the XXXX said that they would remove me, but they have continued to call. The company is supposedly called 1st Recovery Associates.
I have had multiple inquiries in recent days about my bank account ( seeking login info ) and XXXX-XXXX credit card issuing inquiries. All were fraudulent. Experian credit bureau is working on this with me. In looking at the Experian credit report I found several addresses listed that are not mine. Experian tells me these addresses were either from credit card inquiries or actual credit cards issued in my name. The fraud used my social security number ( and perhaps other info ). At least XXXX card is still active with my name and fraudulent address. It is not my card ; I never requested it ; I have never used the card. I filed a fraud alert on all XXXX credit bureaus. This week I have had three separate calls from credit bureaus alerting me to fraudulent use of my name and information.
I closed my account with Wells Fargo and for some reason, its still showing up on my credit report. I would love to have this problem fixed. I made sure my account wasn't in negative and I actually closed my account over the phone so I'm not understanding the mishap here. Thank you, hope to hear from you soon.
I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX   XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
I called the finance company after my vehicle was repossessed. They did not care that the tow company damaged my car. I explained that the agent hit the fence with the vehicle and that there was damage to the vehicle on the passenger side and they drug a hugs log under my car. The manager XXXX as he called himself talked over me, cut me off when I was talking. Granted I was upset because the issue was that the company they hired damaged my vehicle and the finance company did not care. But when I picked up my vehicle it was covered in dirt ( my car was clean before they took it ) so I could not see the scuff marks, scratches and chipped paint until I took it to get washed this is on the driver side door where he hit the fence. I had already filed a complaint with the tow company after they picked up the vehicle. I filed a complaint with the tow company after I had it washed to let them know of the damages and they have not responded. I let them know I will take my vehicle to the dealership to see if there is any damage underneath where the agent drug my vehicle of a log that he had to go under my car to remove. The issue was not about my vehicle being repossessed it was how it was done and damaged. I need my vehicle repaired.
I received a notice from a debt collection agency regarding a medical bill totaling {$1500.00} from XXXX XXXX XXXX  Hospital for XXXX XXXX   dating XX/XX/18. I was informed by my social worker Medicare would cover any remaining medical expenses after XX/XX/18. I have XXXX as my primary insurance and Medicare as my secondary insurance. I have called XXXX hospital 's billing office at least 7 times to tell them bill Medicare as my secondary insurance. As far as I know they are waiting on Medicare to pay the remaining balance. I was never notified of this debt being sent to collections by XXXX. It should be covered in full by XXXX and Medicare. The collection agency is State Collection Service XXXX XXXX  XXXX XXXX WI XXXX. Phone number XXXX XXXX billing office isXXXX
A third-party debt collection agency known as Commonwealth Financial Systems , Inc., has recently contacted me in writing XXXX and alleged a {$810.00} medical debt as due. I dispute the debt. I do n't owe the debt, and all of my medical costs have already been paid by the Department of Veterans, XXXX office. 

I contacted Commonwealth Financial in writing XXXX by XXXX and XXXX. My written correspondence to Commonwealth was first on XXXX XXXX, 2015, and my XXXX on XXXX XXXX, 2015. I dispute the billing because all of my medical costs have already been paid by the Department of Veterans Affairs ( VA ) to the original creditor -- XXXX XXXX XXXX XXXX located in XXXX, WI. 

I wanted Commonwealth to validate the debt, but Commonwealth is either unwilling or unable to validate the alleged debt. Worse, the collection agency, Commonwealth, mistakenly entered an adverse collections account information into my XXXX credit report about this unvalidated alleged debt. Equally important, Commonwealth entered the adverse information on XXXX XXXX XXXX, which infers there are XXXX alleged debts for the very same amount to the same creditor, instead of XXXX alleged debt. A duplicate-entry error by either Commonwealth or XXXX. 

I 've initiated an on-line dispute with XXXX a few days ago, and called attention to the XXXX adverse records which are precisely XXXX and the same. XXXX has not concluded their own investigation, because it was only recently submitted by me.
RE : Case XXXX, the terms of the County of XXXX XXXX recorded " FULL RECONVEYANCE '' by XXXX XXXX XXXX, the legal counsel for Bank of America as part of the solution of the above mentioned Case, are unaceptables by XXXX XXXX XXXX, due the stated full enforcement to collect the debt, even this second mortgage loan ending in XXXX has been discharged in Bankruptcy Chapter XXXX. Case XXXX, and Bank of America Bankruptcy Team @ XXXX XXXX XXXX XXXX. XXXX XXXX CA was properly served on XXXX and XXXX 2015. The Bank of America counsel is violating a federal law order trying to fully enforcement in collecting an already discharged debt by Chapter XXXX and surrendering secured real property procceding. " XXXX XXXX XXXX '' the Bank 's legal counsel, wrote in the recorded " Deed of Reconveyance '', that this legal instrument is solely for the purpose of release the lien of the Deed of Trust of the XXXX XXXX XXXX described real property, currently in active process of Short Sale as Foreclosure Alternative and the expected Collection Effort by " XXXX XXXX XXXX '' is totally illegal As Is in the recorded " Deed of Reconveyance '' before the Authority of XXXX XXXX XXXX.
I have been disputing accounts on my credit report every thirty days for almost a year with TransUnion ; I filed a complaint with the CFPB in XX/XX/2019, last month, regarding their erroneous, invalid and unverifiable reporting of specific accounts and inquiries. To no surprise, they continue to violate my rights by reporting accounts and inquiries in error. This will be my final attempt to correct these erroneous, invalid and unverifiable accounts and inquiries at this level before proceeding to take further, possibly legal, action. I was very specific about the account names and the corrective action but they ignored and/or overlooked my requests ; TransUnion decided to update records ( still in error ) instead of complying with Federal Law and DELETING unverifiable accounts. I took it a step further ; not only did I contact each phone number they provided, I was also able to confirm with each alleged furnisher that no investigation was conducted by TransUnion and that there is no record of any consumer contract with my signature on it, clearly reporting violations. TransUnion has failed to conduct proper independent investigations, provide methods of verification, provide verifiable proof via original instrument of indebtedness in its original form on multiple accounts and has also failed to provide verifiable proof of permissible purpose on inquiries they continue reporting in error. I understand TransUnion is a for profit business, so they cater to their customers ; the alleged furnishers in attempts to keep consumers credit ratings lowered in order to conduct more business with predatory lenders for obvious reasons. But, the consumers do have rights ; all accounts being reported on all consumer credit reports must be 100 % verifiable and 100 % accurate or they must be deleted, not updated. In the event they, once again, are unable and/or unwilling to comply, I respectfully request this entity be held accountable per violation, per account, per consumer.
On XX/XX/XXXX I had my attorney I hired write letters to Citibank to make them aware that they are completely violating the FDRA. XXXX immediately complied. The date of last activity is XX/XX/XXXX and report ( XXXX ) 90 day lates after that. They also falsely accused me of paying {$40000.00} a few years ago which is completely false as the last installment on my account was XX/XX/XXXX. This is completely hindering my ability to refinance my property. SEE ATTACHED DOCS
I took a XXXX XXXX dollar loan in XXXX XXXX and made XXXX Payment totally XXXX dollars I requested a payoff on XXXX XXXX good thru XXXX XXXX XXXX and was advised of a payoff total of XXXX the representative explained that only XXXX dollars was applied over the last XXXX payments. The interest rate on this loan is 25 % apr. I do n't understand how I paid XXXX dollars and only XXXX went to principal. I am paying this loan off on XXXX XXXX XXXX which is over 3 years before the loan maturity date.
credit item ( partial account number ) XXXX 'XXXX ' shows account opened XX/XX/2012 and reported delinquent XX/XX/2012 ; thus not allowing 30 days. and according to payment history legend the time is to be 30 days past due. therefore due process was not observed and my rights were ignored. I would like this incorrectly placed credit item removed from my record. thank you..
In XXXX, XXXX, I first received a phone call and then a letter from Southwest Recovery Services, a debt collector, concerning an unpaid amount for XXXX in XXXX at XXXX. During the phone call, I requested an itemized statement of the charges. The caller, XXXX, said that he would email it to me in 2 - 3 days. However, by XXXX, I had not yet received the statement. I called Southwest Recovery Services, and XXXX XXXX, the Collection Manager, told me that an itemized statement had been requested five different times from XXXX but was not received. He also said that he would immediately contact XXXX XXXX XXXX for the statement and would close the account if there was no response by XXXX. A few weeks later, XXXX called to collect the debt and did not know about my conversation with XXXX XXXX. He said that he would check the status and let me know, but he did not followup. On XXXX, I called Southwest Recovery Services, and this time XXXX XXXX transferred me to XXXX XXXX for a copy of the itemized statement. She could not immediately locate it, but assured me that she would call me the following morning with the status. She never called. Yesterday afternoon, XXXX, I called XXXX and left a voicemail to request the statement and to also call me. I have not received a call from her. 
I have credit card receipts for the required {$25.00} co-pay for each of my XXXX. I also have insurance XXXX for the corresponding XXXX which show that XXXX XXXX XXXX was paid the remaining balance for each session by the insurance company. Additionally, all my XXXX were in XXXX not XXXX.
I 'm not sure if this is where I make this type of complaint, however, I have been receiving calls threatening me with a lawsuit that I received an online payday loan and never paid it back. I never received the loan at the time and this was 6 years ago. I applied for a loan online, but decided not to accept the terms. I canceled it, but my account was still debited {$99.00}. I went to my bank and they reversed the transaction and issued a new checking account to me. A few years ago, I received threatening calls stating a similar scenario that Legal action was being taken against me for non-payment of a payday loan that turned out to be a scam. During the current call I received, the representative stated to me my full social security number, phone number, birth date, and address. I am afraid I will be a victim of identity theft because after I accused the representative of being a scam artist, he became hostile stating " good luck in court, you 're going to jail. Just wait and see what happens. '' Please let me know what I can do about this!
I have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report
They call me first XX/XX/XXXX and XXXX XXXX leave me a voicemail threatening me that they going to put me to jail. I call them back and asked what it is about. XXXX XXXX told me that I owe {$700.00} which is as far as I know only {$480.00} harassed me that if I don't give them at least {$50.00} that day. She threatened me that she will put me to jail. Without doing any research or contacting my lawyer I give them my card number, they took out {$50.00} that day. I don't want be in jail especially I'm willing to pay my debt. So, I contact my lawyer and we do a research. My lawyer found out that the phone number is a scammed and warned me to stop the payment. Since XX/XX/XXXX they calling my phone non stopped and leave me a Threatening voicemail using a restricted number. they also used a robot to leave me a threatening voicemail. This company had to stop. I wouldn't mind paying my debt but I will only going to pay it on a legit company.
On my most recent credit report from Experian or which I have a copy, # XXXX, a bogus and long written off medical bill from XXXX that, to the best of my knowledge, was previously removed from my credit file, with the assistance of XXXX XXXX, a department head and supervisor at Experian ( XXXX, fax # XXXX, has appeared again, and is preventing me from applying for a mortgage with ANY financial institution. This item DID NOT APPEAR on my XXXX previous credit reports, numbers XXXX, XXXX and XXXX, but did appear on the last report I originally mentioned. When I checked my credit this morning via the internet, it was still there. As to why to has reappeared, I have no idea. This alleged debt was investigated by all the other credit reporting firms and was deleled, including the most recent being on XXXX XXXX, XXXX by XXXX XXXX and XXXX, XXXX report # XXXX and XXXX XXXX report # XXXX dated XXXX XXXX, XXXX. Copies of this report, Experian 's report that I received, along with other supporting documents were faxed to you this evening following the submission of this complaint. 

As you will see, this alleged debt was totally and unconditionally written off by XXXX on XXXX XXXX, XXXX, so I assumed that would be the end of it. However, when I received another in a series of collection letters from XXXX XXXX this morning, I filed two complaints with your agency, these being XXXX and XXXX, copies of which were fazed to you this evening. 

This has been a seemingly never ending battle with Experian who, prior to the involvement of XXXX XXXX, was totally uncooperative and very arrogant. The tangible evidence is there that this is a totally bogus and baseless debt, which, as I stated earlier, XXXX investigated and removed from its files as did the XXXX other credit reporting agencies. I request that your agency take whatever action it deems necessary and appropriate to force Experian to totally, permanently and unconditionally, remove this item from my credit file IMMEDIATELY, and provide me with tangible evidence of the same, so that I can apply for a mortgage. I have less than 40 days to both apply for a mortgage and close on a house I had planned to purchase until this mess with Experian developed. I, and my XXXX cats, will be homeless if this purchase transaction is not consummated within the aforementioned period. The lender, XXXX, MO has been very understanding about this mess, but the can not process my application until this bogus debt has been removed from my Experian file. 

Your agency has successfully assisted me in the past with credit reporting issues, and I hope that you can again. Many thanks for your understanding and cooperation.
Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and discharged on XX/XX/2017. 

XXXX XXXX XXXX / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX  XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the BK court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

Thank you.
Applied for an XXXX XXXX XXXX through XXXX Bank and received the credit card. Then received a letter with XXXX Bank letterhead stating that my credit application was being denied for reasons that are not true, and that the credit reporting agency is XXXX XXXX. XXXX reported my credit score as XXXX, when it is consistently above 800. I called the number on the back of my credit card, and they said the letter had not originated with their company and this was probably a scam. Also, the address they sent the letter to is not my address, but the post office delivered it to the correct address.
XXXX has been non-compliant with removing the unverified account KOHLS/CAPONE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
On XX/XX/18 I used the services of MoneyGram in XXXX VA to make a money transfer of XXXX Dollars ( Reference Number XXXX ) to my sister in XXXX XXXX, Its been more than 10 days without having able to receive the money or a response of where the money currently is XXXX XXXX
Chase encouraged me to add authorized users on the cards we use. I added contractors who work at our house and business. I also added my wife. We accumulated a good number of points. Then, without warning, chase closed all three of my cards. The explanation said I had too many inquiries. There were two inquiries over the past six months. I always paid my bills on time and had recently been given a credit limit increase. Chase 's sudden actions meant I missed bills that were on autopay through their cards as well.
On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The XXXX payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, XXXX called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.