WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX - Barclays Declined Dispute / negatively affecting credit score. 

Intially, I was charged {$120.00} for consulation, we were very hesitant because there was no real sign of them being licensed, no medical staff were present & provided no business cards at all. My appointment originally was with a female doctor but she apparently was n't around & another male doctor was available. My husband asked for proof of credentials or certification & was he a board certified plastic surgeon, he would not present anything. After all this, we were n't comfortable going ahead, could not trust this company and walked out. My husband told the receiptionist, XXXX, that we do n't want to go ahead with the procedures and would like our account credited for amount they took in advance. She told us the XXXX XXXX accouting office is closed, she will call the office on Monday & so did we, to get the full refund returned. My husband spoke with XXXX XXXX from their accounting department in XXXX about the refund & XXXX emailed in writing a confirmation that the refund process has been intiated on XX/XX/2010. Nothing was refunded to my original credit card for the {$4000.00}. We called again but were told XXXX XXXX was no longer with the company. 

I contacted my credit card provider, Barclays, about what happened & numerous disputes against this charge and XXXX. Barclays were very unhelpful and refused to accept my genuine, legitimate request.
This complaint is in regards to Equifax 's recent security breach. Upon checking XXXX, I was informed that my information may have been " compromised. '' Because of this security breach, my social security number, date of birth, full address, and potentially driver 's license and credit card numbers have been stolen ; I must assume that my information is now public data. I am at immediate risk of becoming a victim of identify theft because of Equifax 's negligence.
Enclosed is a copy of the lawsuit that I filed against you in XXXX court on XX/XX/2018. Currently, the Pretrial Conference is scheduled. 

The lawsuit was filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 

Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, 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. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 

Now I am suing Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 

You may contact me before court via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. 

I have already won a similar lawsuit. Enclosed is a copy of that settlement. If you accept the same terms as XXXX  did, then I will dismiss my lawsuit against you and you will not need to appear in XXXX, New York. 

The items to be removed from my credit report are listed as follows : XXXX XXXX
I have send this people proof that i have never lived where they said i got a bill also i have told them i had an identity theft and they still do n't get it!
S.P.S. disregards mortgage contract and continues to try to collect funds which are not du. They also are trying to skirt bankruptcy laws by falsely saying mortgage payment was missed. I have a record of bank checks showing every month is paid it is current. They attempt to change the mortgage agreement which states the payment is not late until after the XXXX. Every month is paid yet i recieve statements with the comment it is XXXX. XXXX unpaid. I paiy XXXX every single month. The extra XXXX to go to principal. It is not unpaid. There is no missed payments. This company continues to falsify records to collect extra interest. They purchased the mortgage from XXXX  XXXX XXXX and try to change the terms, disregard bankruptcy laws, and falsify records. These images are from same statement multiple dates, one point says behind other says it's not.
The RSVP I took this out on or about XX/XX/2018 in the amount of {$3000.00}. Before my hardship, I paid your firm faithfully {$230.00} bi-weekly. I called to see if they could help me before I defaulted on my loan. NO remedy besides you can make partial payment but then you have to pay the upcoming installment payment. I can no longer make that payment. I tried negotiating a payment plan, but their offer was unreasonable. They told me that they couldn't apply the payments I made to date to my balance and their payment plan was you have to pay initial payment of {$230.00} and then the remaining balance in 2 weeks. Also the rep stated she could see if they could extended until 30 days. I told her I'm unable to pay that. The amount principle that was applied each time to my loan was approximately 18.00.
I have told you that I am represent Ed by lawyer but still you are calling me I am retired and XXXX. I asked my lawyer to contact you and settle this account
The original creditor and account number is listed on my credit report as XXXX XXXX/XXXX with a first reported date as XX/XX/XXXX partial account and sold to PRA.

The same partial account number appears with Portfollio Recovery Associates ( PRA ) as the debt collection acency with a different first report date as XX/XX/XXXX and XXXX XXXX XXXX XXXX as the original creditor. 
I disputed with XXXX XXXX and Portfollio recovery associates with so far no change to my credit report. I read this is called re aging by the collection agency and is a violation of the Federal reporting agency. I do have copies of my credit report with both items and date listed.
Castle Credit corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX I purchased a water filtration system from eco-water in XXXX of XXXX it was financed by their preferred company, castle credit. 
Complaints are, the company attached a lien to my home with no judgement. I talked to them and asked them to remove the lien and they refuse to. It is financed an amount of {$4700.00} and after paying for over two years, my pay off is {$4500.00}, so at $ XXXX/month for more than 24 months, only {$200.00} has been applied to principle!!! This is a rip off and a loan shark. I have always made payments every month, never missed a payment and they attach a lien to my home along with this insane finance charge and interest rate. This company needs to be investigated and fined for unscrupulous business practices. For all the money I have paid and almost NONE of it is applied to my balance, along with being slapped with a lien on top of that? 
This business is not reputable.
XXXX and XXXX, also XXXX, I have not been successful, this company is tek collect inc, XXXX XXXX XXXX, XXXX XXXX tel -XXXX, this debt is reported to my XXXX, XXXX report . I have tried numerous times to get this deleted, I have not been successful. I call they keep me on hold, do not come back to speak to me, one person was very rude. I just did not call anymore. someone have a similar name, and they just pinned the debt on my credit file. Also I have a debt company by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, tel # XXXX that is still showing on my XXXX  file, I had it deleted on my XXXX  report, I requested numerous times to get it deleted on my XXXX , I even send them a copy of XXXX showing deleted, no luck yet. Please I need this resolved. I turn to you, because you do get things done right away. You have help me get a lot of debts that show that was not mine. Thank you again.
XXXX MasterCard allowed some unauthorized charges on the account and after repeated attempts to resolve them, in the meantime they started charging my bank account WITHOUT my authorization. Out of frustration I paid off the account despite having unauthorized charges. To add insult to injury, XXXX then decided to charge me a return charge fee plus interest for the UNAUTHORIZED charge to my bank account. 

AND now they are charges late fees for unauthorized charges and unauthorized fees to my bank account FRAUD ON TOP OF FRAUD!!!
On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus Experian and XXXX advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with Experian and XXXX. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to Experian as well as XXXX. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.
Experian received bank statement that reflects balance is/was below credit line under XXXX XXXX XXXX XXXX acount. There were unauthorized charges made on the account that was refunded by 3rd party. Experian has my credit score below 600 with proof sent by consumer credit usage incorrect at 101 %
I opened my Citi Bank XXXX XXXX in XXXX. I was a Platinum card holder never missing a payment in over 30 years. For thirty years, I have been a loyal faithful customer always paying on time. I was sent a letter closing my account with no notice. My card was supposed to expire in XXXX. I had no notice other than a cancellation notice. I contacted Citi Bank who connected me to an off shore call center. They did not care that I was a loyal customer for 30 years. They did not care that my credit rating was over 800. Due to the fact I have been a thirty year credit card customer, I had a substantial credit rewards in the thousands of unclaimed points. It was worth a lot of money of unclaimed rewards for discounts at restaurants and stores. I was laid off 3 years ago and have had to cut back on my spending. I have kept my spending in check since I no longer work and on a very limited fixed income. I was told that because I did not use their Citi Bank XXXXXXXX XXXX I was being cancelled by the company. They did not care that I lost thousands of credit rewards points or that my cancelling my card I have had for thirty years that my Credit Rating Score go down since I opened the card in XXXX. 
I told them I was filing a complaint with the Federal Trade Commission and Citi Bank could have cared less as they seemed not to respect the FTC. I want to be reinstated with all of my unclaimed credit rewards points reinstated after 30 years as a customer.
i am a XXXX veteran so i dont need this nonsense from the csi group. and i never trusted sneaky shady uneducated debt collectors who take advantage of those who less fortunate to make a living wage in the united states. my services were provided by medical doctors at the XXXX clinic so i wish they would have dealt with me directly and stayed in contact with me so i could have paid them off in monthly installments till paid in full. i do n't think we needed to involve low life debt collectors they do not have a XXXX from a XXXX so they are not educated enough to understand how working with the company directly is the BEST option ... 

XXXX and possibly other credit reporting bureaus are stating i owe {$380.00} to csi group and the XXXX clinic. but i called csi and a woman named XXXX verified my balance was XXXX from back in the year 2012. you must not really understand XXXX and be behind the curveball. XXXX says they report directly from XXXX so XXXX is stating this debt is not settled in full and had a balance of {$380.00}. so i want you to all re-contact all XXXX credit bureaus : XXXX, XXXX, and XXXX and XXXX check my balance shows paid in full year 2012 and has a XXXX balance again in year 2012. and i want this cleared up and done for all XXXX credit bureaus because if XXXX bureau picks this up then eventually the other bureaus will pick it up. per XXXX phone call with me, i also want a letter from you all stating this debt had been paid back in year 2012. i will also be contacting the consumer financial protection bureau ...
After being pre-approved for mortgage loan, I submitted all documents regarding my bank accounts for the month of XXXX and XXXX. I deposited money into my savings, then was told I needed to show proof of where I got the money from. I submitted that information as well. Then today was asked for my login and password for my bank account and stock account, so she can login and look at them. After researching information online, I found that I should not give that information to anyone. Also loan officer keeps losing information, so I have to refax or resend emails of documents she has requested.
My mortgage has been a nightmare since my financial distress due to XXXX XXXX leaving me unemployed, force to file bankruptcy to keep Bank of America from taking my home. It took them two years to approve a modification while I was in bankruptcy. Now my bankruptcy has been discharged Bank of America has not reported any of my Mortgage payments for the last year. I was told to write the credit bureaus and dispute this really. My mortgage is {$1800.00} way over my budget I am paying to qualify for refinance. Now it is time to refinance of course Bank of America says no wow because they do n't see a payment history on my credit for mortgage, I am sick and tired I do n't know what to do. I am literally sick and I am limited with fighting with them again. Please help me I am a XXXX veteran with a VA loan feeling trapped.
Not a valid debt, written to this company twice and no response within 60 days and then sent a certified letter to all three bureaus and still not removed from credit.
In XXXX I switched finance companies from Car Finance Capital to XXXX XXXX XXXX XXXX because I had purchased another vehicle ( XXXX, traded in XXXX ) and financed with XXXX so I got a cheaper interest rate so I switched XXXX. I had XXXX cars at this time through them, a XXXX ( traded in for XXXX ) and a XXXX. I told Car finance I was switching and they said that everything would be taken care of when my bank contacts them. Well when i purchased my XXXX I had traded in a XXXX that I had financed with Car finance, the company had sent over a check but dduring the week that the check was being sent, car finance called me over XXXX times a day. I had no control over the check as that was between the credit union and car finance. I am XXXX XXXX military and car finance called my Chain of command harrassing me asking me where the money is. You could tell they Got it because the calls suddenly stopped. After refinancing my other vehicle ( XXXX ) with XXXX I received XXXX calls a day asking for the money, my bank stated they had sent a check to car finance. Car finance told me that they had it under control and would contact the new lean holder but I would still get calls and tell them yes the check was sent I just talked to someone at car financ and they said it was taken care of. So every other convo was different. Eventually it was n't handled so I went and Got a check myself and over nighted it. The check was dated for XXXX when the bank and car finance had spoken and Got each other 's information and pay off information and everything so they had been speaking. I had already started paying on this car again at XXXX XXXX ( mind you in 3 yrs that I had car finance I never missed a payment ). I talked to a manager who told, me that now because Car finance refuses to admit they recieved a check ( which the XXXX I sent them is dated from their original convo ) they also said I need to pay interest.. Now I am already paying else where and car finance told me they had everything under control XXXX XXXX, a manager with the company told me the bill was 37 days past due, I over nighted the second check that day but now my credit score just went down XXXX points because car finance reported my deliquent 60 days. I am not deliquent, I am paying my bills but what car finance told me was that they were supposed to talk to my bank and when they didnt they faulted me for it. Now I owe interest in it, I sent many emails stating I need a bill stating my remaining balance and it has been 3 weeks and I have yet to receive it or an email back from the manager ( i sent XXXX emails ). The company has not sent my title to my bank either. I believe that this company is a predatory lender and I have reported them to my Chain of command because I feel they were quick to go to my Chain of command when I am not at fault. The harrassment and emotional stress I have recieved from this company is way too much .. And now my credit is ruined for something that is not my fault. They have the check that states the original date, they can see it was n't me missing a payment. This needs to be fixed now!!!! My payment rate is 99.99 % on my credit report, I pay my bills!!!
My credit score dropped by XXXX points with no explanation with TransU. I have paid my bills on time to all parties. Therefore, it is unfair to deduct from my credit score XXXX points without explanation of why this was done. This leaves me in the blind as to why these points were taken and how to get them put back on my credit report. My score should remain at XXXX or disclosure must be made so that I can seek a remedy.
I 've called the   XXXX   multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Pro Collect is reporting a eviction that the apartment complex has no file of I 've called old owners and they do n't have file so why is it on my report
I spoke with XXXX XXXX  customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.
XXXX XXXX XXXX = i disputed the account balance which was {$160.00} as reported and then I challenged it because the actual balance is {$15.00}. I can not understand how the balance went down and the credit utilization from XXXX XXXX to XXXX XXXX. My score dropped XXXX points even though my balance went down. SEE PAGE XXXX OF THE ATTACHMENT.
My credit karma account has been fraudulently accessed by identity thief. There is no way for me to restore my access to credit karma despite numerous attempts due to hacker changing profile. Credit Karma has no phone number. I have filed emails to customer service everyday for 20 days and the hacker is still in my account. This all has occurred during XX/XX/XXXX This is critical to my financial well being due to the fact that the hacker is seeing all my accounts, and has hacked into ALL MY ACCOUNTS over and over I have had to close several accounts and I have had to change my bank account 5 times in 20 days. I can no longer transact anything online. STILL the hacker finds my accounts because they are in my Credit Karma. Credit Karma should not be allowed to operate since there is NO PHONE NUMBER and they do not call back when you follow the correct channels. Hacker hacked that email I was using with Credit Karma so the hacker is probably receiving EVEN MORE INFORMATION by getting any responses by Credit Karma. It is vital Credit Karma is shut down since there is no way to contact them.