WillisBack/dataset-financial-user-claim huggingface dataset:
Case # XXXX I had my personal doctor process notes paperwork with my personal information on it DOB, Soc number, telephone number, email address, insurance information, other personal information about me. I also had money, my Fifth third debit card, make up and car keys ( XXXX to replace keys ) in my bag. I had my bag stolen from my therapy work out session. The Suspect that stole my items used my Fifth Third debit card on transactions that I didn't authorized I contact Fifth Third bank the same day the theft occurred to have them to block the debit card. Later I discovered that my card was used to purchase goods and services that I didn't receive The suspect order XXXX XXXX concert tickets in the amount of {$170.00} ( I don't listen to Blues music ) and made other fraudulently transactions with my debit card. Then later the suspect had hack compromise my account with Fifth Third bank I had to go into the Fifth Third branch to close my account and stop all my direct deposit due to the suspect made numerous attempts to get money out my account. I contact XXXX XXXX and informed them that the purchase in the amount of {$170.00} was made without my permission, and that my debit card was stolen. The suspect was never able to use the tickets but XXXX XXXX still charge me for the fraudulently charges of {$170.00} my Fifth Third Bank had given me a temporary credit in that amount but on XX/XX/XXXX Fifth Third bank reverse that money back. I shouldn't be held accountable for this fraudulently transactions I reported this to the bank and contact the Merchant. I file a report with your company also in XX/XX/XXXX and XXXX at Fifth third bank ( XXXX ) XXXX contacted me concerning this case but she didn't resolve the matter. The suspect had all my personal information so the suspect could put my personal information such as name email address and physical address into the computer to obtain goods. These transactions were made over the internet. Fifth Third bank is FDIC and are to secure my money at all times. I did the appropriate procedures to file a claim with the bank and i followed all the guidelines and also file a police report I would like for the bank to give me my money back.
My family and friends ( some who live out of state ) were contacted my a " XXXX XXXX '' from DFC Legal Services informing them I have a debt I have in collections. I called the company and when they answered the phone would only say Law Office. No one would give out their first name only XXXX or XXXX . When I spoke with XXXX XXXX he told me that if I did n't pay off this debt they would contact my HR department to have my wages garnished. He was very rude and left me with no easy solution. I did some research on this from the original lender and kept calling different companies who said they bought and sold my account. I spoke to someone at a different company who told me they had my account and they do n't know why this other company was calling but to ignore them. Their amount was only {$900.00} the amount of the loan. I called XXXX XXXX back and was told the other company was lying. They did a conference call and they argued with eachother the whole time saying they owned the account and not to listen to the other company. I was so confused at this time I did n't know who I should be paying. I called my bank and cxd my bank card and put a stop payment on my account for both companies just in case they tried to take money out. I do n't feel comfortable talking to any of these people anymore. DFC Legal services refuse to give out their first name, wo n't give out detailed information about the debt, and are very rude. They make threats, and give out information to my family about my debt. They continue to call my family over and over again telling me they know they can get a hold of me. Very scary and very mean. Not understanding at all. I feel very worried that they will contact my place of employment to garnish my wages. And I 'm not sure what else I should do. I just want these calls to stop. They also refused to mail anything to my home showing this debt and the money owed from their company. They sent an email that was not on company letter head just a generic email.
I placed a credit fraud alert on my credit report in XXXX or XXXX and people are still opening accounts under my name and using them and it 's affecting my credit score and I am being turned down or any and everything thing and it 's not fair my score was at XXXX and not its in the low XXXX 's and nobody is helping me people have applied for XXXX XXXX XXXX cards, XXXX XXXX cards, old navy, XXXX XXXX cards and XXXX personal loans, and tjx rewards credit cards when I already have cards with most of theses banks and theses were all recently and the somebody applied for a XXXX XXXX XXXX credit card like 2 weeks ago and I want all this to stop please there are XXXX credit incuires on my XXXX credit repot and only XXXX of them are mine the rest are fraud and then there is like XXXX on my XXXX report please please do something I am wanting to buy a house and a car and I ca n't and none of the banks will remove anything from my report I have called and called the banks and Amazon says I owe them XXXX dollars to when its fraud transactions and they not remove them.
To Whom it May Concern, This letter is in response to your recent claim on regarding Wells Fargo XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be  required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
XXXX : Account balanced has been cancelled and debt satisfied. Please correct error on the status balance to ZERO. I have dispute this and no action has been taking, please correct.
In the Fall I had the following Hard Inquiries show up on my credit that did not occur : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian I contacted XXXX  and they said they would remove but never did ( might have been just their internal system ). Tried multiple times to contact XXXX  but could not reach anyone.

I need all 4 of these removed from my credit ( trying to refinance house this summer ). If I need to try and contact XXXX   and Experian separately please let me know.

Thanks, XXXX
I am asking for the collection account from Procollect to be removed from my credit report because the creditor XXXX XXXX sent the account for collections BEFORE the due date. I paid the account within the 90 days allotted as stated by the property manager. I have an email dated on XX/XX/XXXX from the managing office stating that I have 90 days to make the payment of XXXX. I paid the account WITHIN my allotted time hence it NEVER should have been sent for collection. I have a signed receipt of payment made on XX/XX/XXXX which falls WITHIN my ninety day window. I also have a copy of the check that was given.

The XXXX XXXX is extremely uncooperative with this process and even hung up the phone on me when I provided them with this proof. The XXXX XXXX   company was extremely rude. Both avenues have been very unprofessional. I paid the balance WITHIN the 90 day window that was given therefore the account needs to be removed from my credit report.

The account was NEVER supposed to go to collections to begin with because I paid on time.
My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with XXXX and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.
This is an unverified amount charged to my credit report of XXXX this amount is unverified and I am not aware of this belonging to me under the fair credit reporting act section 609 this amount has to be validated with a original signature I am asking this debt to be removed from my credit profile Thank you Sincerely XXXX XXXX XXXX
I have filed a few different disputes with Experian and they continually say my disputes are not going to be completed because I do n't supply new information. I have filed and asked over and over again for information on what they did to complete their dispute. They respond to me that they are not responsiblle to tell me who they talked to, who I can contact, phone numbers, addresses and anything else I can use to determine where they are getting their information. I think they are using a computer based system to validate incorrect information on my reports. Both XXXX and XXXX completed investigations using the same information I asked for from Experian and my reports were corrected, by both companies deleting all the incorrect information. If Experian continues to report incorrect information on my report and telling me to have the original company correct it, then the company tells me that Experian must do the same, what else can I do? Both seem to be playing me for a fool. I want this investigation done properly once and for all.
1. I dispute the fraudulent charges made in the amount of {$10000.00} ( approximate ).

2. Most of the charges were made overseas ; I have been in the United States during those dates. I am requesting that the charges to be removed from my account.

3. I have provided all of the necessary documents you have requested, such as police reports.

4. I have reported fraud and disputed charges inXX/XX/XXXX.

5. After 5 months later, THREE BILLING CYCLES LATER, On XX/XX/XXXX I received a letter that Chase finished its investigation and put all the charges back on my account.

6. Under Federal Trade Commissions FCBA rule, Credit card companies MUST FINISH investigation within 2 billing cycle. Chase took 5 months!!!
On XX/XX/XXXX I sent a request of validation letter to collector company Grant & Weber. On XX/XX/XXXX I received a letter with a generic list of itemized charges listed but no actual contractual document with my signature of authorization to collect debt or any obligation to this debt. They have failed to validate this debt and therefore I am asking that this debt be removed from my XXXX and XXXX credit reports because it is causing major derogatory marks on my credit report and causing me major life financial challenges because of it.
There are many mistakes appeared in my report I have never paid late these accounts : "   XXXX     XXXX  # Account #  XXXX   XXXX  '' "  XXXX   XXXX   XXXX   XXXX  # Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''  " U S DE PARTMENT OF ED Account #  XXXX  ''
In 2014, my credit card number was hacked and used to apply an illegal charge to my account. When I reported the charge to XXXX XXXX, they removed the illegal charge and canceled my card so it could n't be used again. They also said they would issue me a new card but they failed to do so, now claiming I had bad credit. As a result of this action, my credit score of XXXX dropped to XXXX. I finally obtained a new XXXX card from my bank. However, now my credit score is XXXX from Experian, XXXX from XXXX. Now I need to obtain a home purchase loan and this significant drop in my score is affecting the loan repayment loan. In fact, I have perfect credit. I 'm XXXX years old and have never failed to make a payment on any loan. So why am I being penalized because someone else committed fraud and affected my credit?
Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies.
My lender did not process my loan with reasonable diligence and in good faith. 

1. The lender did honor rate lock of 4.25 %. on loan estimate. Closing disclosure sent to me shows 4.25 %, however at closing APR was 4.5 % 2. Lender paid {$420.00} for Appraisal ; however I was charged {$550.00} at closing. 

3. I pre paid {$690.00} Hazard Insurance for 12 months before closing, however I was charged {$690.00} at closing for 12 months of insurance.

4. I was charged {$250.00} Realtor Transaction Fee at closing. The closing disclosure I was provided before closing does not show this fee. At closing I was required to pay this {$250.00}.
I get multiple calls from all sorts of different XXXX numbers throughout the week. When I looked these numbers up they all resort back to XXXX XXXX, XXXX. Message states XXXX XXXX XXXX. I refuse to answer anymore calls from these random numbers. My phone rings as early at XXXX thru XXXX or XXXX XXXX. I think I have 8 different numbers coming from same company.
An XXXX from argon agency with extension XXXX called me for the first time some time in XX/XX/2016, he brought a bill to my notice for the first time he very rude and spoke in a very deriding manner as though he felt he was communicating with an irresponsible person I felt very belittled after the call but I still went ahead to set up a payment plan that I adhered to, he called me sometimes twice a month and when I let him know that I made a payment already for the month he had a disparage tone again. I went ahead to explain that I would like for us to set up a particular time of the month when he calls me and he called me again earlier than agreed I missed the call, I retuned it when I saw it as always living him a message saying when I expected the call as earlier agreed the XX/XX/XXXX of every month and I get Notification that he went ahead to reput it on my credit even when I have never missed a payment or made a late payment ..
Opted out of all marketing three or four months ago. Current XXXX XXXX employee that must shred anything with my address for security reasons. Company XXXX XXXX XXXX sent me marketing with pre-approved offer anyway. Tried calling, line always busy or closed. Not interested in their trash.
I was through a some financial difficulties back in the beginning of the year ( layoff ). I was late on some of my monthly payments. I requested a payment plan to my mortgage company which they did and I started paying it off. By the time I sent out my last payment, I was told it was a mistake on the calculation and they needed to get another XXXX and with that I would be up to date including any late fees. I just got off the phone and they said I still owe over XXXX hundred dollars of late charges. Can they keep charging late fees on calculations they made?
My vehicle was totaled in  XXXX / XXXX / 2017 , my insurance  XXXX  mailed a check to  Credit Acceptance on   XXXX / XXXX /   2017  and this check was cashed for {$9300.00}. The balance was  XXXX . We were notified by Gap insurance, additional monies was paid on    XXXX   XXXX  2017 , leaving me a balance of {$200.00}, which I paid at that time. Paid in full letter was dated  XXXX  2017  fr om Credit Acceptsnce. My  credit report is showing a balsnce of over  XXXX  and when I filed a dispute with   XXXX   to have my report update d, Cr  edit Acceptsnce stated all information was correctly reported in my report. Plea se hold this company accountable, as they have not reported any payments beyond    XXXX    2017   . This is affecting my score and I am in the process of purchasing a home.
XX/XX/2018 - Debt Collection Company from XXXX, IL called me about a debt that is beyond the statute of limitations for the time that I can be contacted. Their phone number is XXXX. ARA is the name of the company. XXXX XXXX XXXX is the name of the company. Please do something about this NOW!
This company has called multiple times about an old phone number from 15 years ago that they say I owe money on, which is false. When I try to get further detail, they yell and berate. A XXXX search of the number reveals that it is a scam and they are tied to other companies and phone numbers that have multiple complaints about scams. I believe the website is XXXX XXXX XXXX in the last call I threatened legal action. I am still on auto-dialer, but no one will pick up and it does not go to voicemail when I call back.
Issue : Collateral XXXX $ not released as promised on a recorded line : Background : I applied for a Wells Fargo secured card in XX/XX/XXXX and the card did n't come through for a month. During the XXXX month period I called XXXX times to check on the card and each time I was advised the card was sent, I always asked for the balance since I did n't receive the card and was told there was no balance. Then XXXX fine day I received the card and a statement followed after couple of days which had a fee and interest charged. 
I called up customer service to find about the charge and close the card ( which was never activated ), I was ok to pay off the charges but annoyed since no one told me about it even I asked every time when I called every time to find out the where about of my card. 
Finally I closed my card on in the week of XX/XX/XXXX and was told my collateral would be released in XXXX days, since I was n't happy about it and asked to speak to a manager, manager then transferred the call to customer service team and the gentleman on the phone waived the charges and promised collateral will be released and should be in my account latest by XX/XX/XXXX. 
Since XXXX $ were n't transferred back to my account as promised, I called back the customer service # on XX/XX/XXXX and was told it collateral will take XXXX days. I even spoke to a XXXX and she said she could n't help as repeated the same script. I even asked to be transferred to the person I spoke to but was told they ca n't see names hence ca n't tell me the name of the person. 
This is unacceptable since I was never activated the card and closed it because of inefficiencies at Wells Fargo 's end. 
Prior to this I also had issues with my checking account. Wells Fargo is the worst bank to bank with.
I do not owe I do not owe this i have been writing for years asking for proof and to remove from my credit reports.
I did not authorize an inquiry by XXXX XXXX on my credit report and Experian shows an inquiry by XXXX XXXX on my personal credit file. Experian refuses to delete or allow me to dispute the inquiry. 

This is a conflict of interest. Experian allowed their client to check my credit. I did not authorize and did not provide anyone with my XXXX. 

I spoke with the following : XXXX Supervisor, Special Services - XXXX XXXX
I reviewed my credit report and found three accounts from the same company. I have not received any correspondence of this debt.