WillisBack/dataset-financial-user-claim huggingface dataset:
Rented a car from XXXX at XXXX XXXX XXXX, XXXX, VA from XX/XX/ -- XX/XX/. Returned the car to the local agent at XXXX XXXX  ( they close at XXXX XXXX ). Walk around inspection revealed no damage to the vehicle done during my rental. I was out processed and given my receipt. Since the location was closing in two minutes the local agent would have also needed to drive the vehicle downstairs to the garage immediately after I left. 

Two months after returned the car without damage or incident, I received a claim from Viking Billing Service ( VBS ) requesting {$1300.00} ( claim XXXX ) for damage done to the car. Luckily I had an upcoming rental with that same location ( I am a repeat customer with 50+ rentals from XXXX/XXXX ) in the last several years ) and was able to speak with the very agent who had handled the return of the car in question. I showed her the letter from Viking Billing Service ( VBS ). She looked it up on her computer and said she had no knowledge or record of damage. She went through a stack of papers and recovered the slip of paper showing pre-existing damage to the car. She told me to e-mail or fax that piece of paper to Viking Billing Service ( VBS ) to close the claim. She also mentioned that the car in question had gone to another location after I had returned it. 

Four calls ( sent straight to voicemail ) with detailed messages left requesting a callback with a e-mail/fax have gone unanswered. But the collection notices keep coming with escalating threats of debt collection. Every time I visit this XXXX/XXXX location they ask me whether I've been able to clear up this claim.
Fed Loan Servicing is reporting to all 3 credit bureaus that I had a late payment in XX/XX/XXXX2015. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX 2015. This inaccurate reporting is destroying my credit. I have called Fed Loan Servicing multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when Fed Loan Servicing sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that Fed Loan Servicing sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice.
I am in the process of trying to purchase a home and the fact that Fed Loan Servicing is
showing these loans as 90 days late in XX/XX/XXXX 2015 is inaccurate and is ultimately affecting me in a negative manner.
I 'm asking that Fed Loan Servicing provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.
XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :  Item Reason for Deletion   XXXX   XXXX   &amp; Navient Loan  where turned over to  Navient a nd then the department of education.     According to the provisions of the Fair Credit Reporting Act 6 11 ( a )  [  15 USC   XXXX i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.     Please notify me that the above items have been deleted pursuant to  XXXX   ( a  ) (  6  ) [  15 USC     XXXX    j ( a  ) (  6 )  ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of  612 [ 15 USC  XXXX j ],   there should be no charge for this report.     If you have any questions or need additional information, please contact me at address noted below.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , IA  XXXX  Social Security #  XXXX   XXXX  XXXX  XXXX
My XXXX account was hacked on XX/XX/2016. XXXX sent me an email stating that there had been unusual activity ( which was someone logging in from New York ) and they deleted one of my consumer accounts but also made a payment from a checking account that was linked to paypal and made a payment to my paypal credit account. PNC was closed in observance of the holiday on XX/XX/XXXX when this all occurred so I called them first thing this morning. I spoke with an agent by the name of XXXX who said that the pending unauthorized ach transaction could be canceled but the merchant would have to call XXXX. I called XXXX and the representative with paypal whose name was XXXX and I called and was told that the number we were given was for debit card transactions so they gave us the number for general customer service. Called and spoke with a XXXX who stated the pending ach transaction in the amount of XXXX could n't be rejected it had to post first and then I would have to call back and dispute it. The merchant asked if I provided a letter that she had just emailed me could that speed up the process because it definitely was n't an authorized transaction. The agent stated no. I asked for a supervisor. He reached out to his retail escalation who told him we had to wait for it to post. Again I had the merchant on the phone confirming it was fraud. I have a letter confirming it was fraud. If I was a high end customer who had got hacked they would have rejected the ach transaction. I know the ach transaction can be rejected so why should the account be subject to overdraft fees and a waiting process for a dispute that may or may not give a provisional credit. This is so disheartening as a consumer to be violated by a hacker and my bank just brush it off like they did AND on top of that stating to me that I will have to call back. Just ridiculous
My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX  not  XXXX    XXXX   XXXX   XXXX   del  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX   XXXX   XXXX    XXXX    de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX
Target store,,, is trying too collect debt from me, ,the Target Card, ,was used by my ex-wife, ,yrs after our devorce ; ; I paid off in full, ,the Target Card, in XXXX..was then divorced that year, ,she opened, ,or continued using my name, ,so Target billed me, ,now using a collection company, too call me, send me bills, ,an reports me, too credit companies, ,thus putting my scores at ''poor '' I want them too remove this illegal debt, from my credit reports
There are XXXX hard inquires from Capital One Bank back to back. I only applied once through them. There should n't be XXXX. ( see hard inquiries on report ) Also, I 've tried to file a dispute with XXXX online, however the security questions they ask me end up saying my answers do n't match the information on file and I am unable to get any further.
I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.
I sent my informatoin through CFPB complaining on Experian 's lack of response in regards to a ID theft collection on my report. They said they would investigate it and it has been over 30 days. Based on everything I 've read I thought I did everything right. I 'll upload the date my last complaint was filed and then submit that as documentation. Not mad just a little frustrated b/c Im not sure what else todo.
In XX/XX/XXXX, Trident Asset management removed this same debt from my XXXX credit report. I contacted the company for debt verification in XX/XX/XXXX and received nothing. The collection is placed back on my XXXX report. Upon further investigation this company 's license # XXXX is expired XX/XX/XXXX and not licensed to collect in the state of TN. I want this debit removed, as it was in XXXX.
My mortgage company, Ditech, withheld funds I paid for the mortgage in an unapplied account because they changes the escrow amount. I was n't notified and no change showed to the amount paid on my account on the website. The company then repeatedly made derogatory marks on my credit report while I was trying to contact them to get responses. When they finally responded, they said they were holding my money in a separate account without my knowledge.
PNC is servicing my mortgage. I filed for bankruptcy in 2012. Chapter XXXX. It was stated in the bankruptcy that I was going to sell the house on a short sale because I could not afford it and I would be moving to a more affordable area. Four months after I filed, I sold the house. It was XXXX at the time. The buyer was paying cash so there was no question of funding. PNC gave us the run around for a year. They never approved nor denied the short sale. They just kept asking for new paperwork. They always had a different contact and would always lose the paperwork. We asked to speak to the actual holder of the loan and pnc refused to give the information. After a year the buyers finally had to back out. There was no end in sight. I have since found out that the original lender was never even told about the pending sale. I asked the realtor why this was happening. He said that PNC gets money from the government for each month the short sale is pending. I had to wait till the value of my house went up enough so it would n't be a short sale. In addition PNC HAS REFUSED to acknowledge the bankruptcy. Refusing the lower payments set forth by the bankruptcy court. I am currently in closing on a second sale of the house. This should not be a short sale. They said it would take 10 days to get me a payoff amount. I 'm worried that it will be incorrect. They are basing what I owe and penalties on the original full payments. I feel this is wrong. If they had not DELIBERATELY held up the sale of my house I would not have incurred these additional charges and penalties. I also feel like all of the money they received from the government for holding up the sale should be credited back to my account. I do n't know what to do. I do know that my realtors have had several of the same issues with PNC with other short sales. It took them 7 mos to give us a single point of contact. And 8 mos to send out and appraiser. Please let me know what I can do. I know the payoff amout they are going to give will be wrong. Do I have any recourse to get this fixed after the loan has been paid off? These people are so incompetent they scare me.
the problem I have first came to my attention when I asked for an increase limit on my credit card and was denied the return letter from the credit card company stated my credit score was XXXX. I had signed up for a credit watch with trans union which stated that my score was XXXX+ and other s have it at over XXXX who is not telling the truth I think I am kett artificially low on purpose can you help
I have been getting robo calls from a debt collection agency called " Alliance 1 '' for over XXXX months. The calls average XXXX times per week. They are attempting to collect a debt for someone whose name sounds like " XXXX XXXX ''. I am sick and tired of their harrassement and want the calls to stop.
Received XXXX phone calls from a debt collection company asking to speak with my spouse ( asked to speak to him by name ). Calls received on XX/XX/XXXX, XXXX, and on XX/XX/XXXX and XXXX, XXXX. All after XXXX and before XXXX. 

I did not answer the calls on XXXX XXXX and XXXX. However, on XXXX XXXX I answered and spoke with a collections rep. He hung up on me while I was asking a question ; I called back and spoke with a different rep. who apologized for the rude behavior of the first rep. I said that I would give my spouse the message to call them back. The rep. claimed that my husband gave them my number to reach him. This is false, and I told the caller so ( confirmed this with my spouse who never leaves my cell phone number with anyone ). 

On XXXX XXXX, I received another call asking to speak with my spouse. I gave them my spouse 's work phone number. That evening my spouse confirmed that he spoke with the collections company. But my spouse believes the collections company has the wrong guy. 

On XXXX XXXX, I received another call that I ignored ( voice mail was left ). However, when I tried calling back, thrice, the line was busy. 

It's illegal for debt collectors to contact third party ( i.e. family members ) more than once, correct? Obviously, this company is way out of line.
i filed ch XXXX on XXXX of 2007 but withdrew it on XXXX of 2007 so it was dismissed not discharged XXXX ago equifax still keeping it on report, but info not correct. they say current disposition chXXXX, then prior disposition chXXXX i never filed a chXXXX.
I paid XXXX XXXX off on 3 different accounts at the same time. During the call they agreed if paid it would not appear on my report. 2 years later its still here!
I received a writ of garnishment from my employer. It states I owe {$16000.00}. I have received nothing from ASSET ACCEPTANCE , LLC about any of this. I have changed my address many times over the passed XXXX years and to the best of my knowledge was never made aware of any of this debt. I pulled up the registry of actions on this at the XXXX XXXX XXXX district court and I see I 've been taken to court and did n't show. I knew nothing about this, It claims I was served by certified mail. I would like to see the verification on this and the entire account. I also would like an Itemization of the charges accrued, the original agreement and any and all times this debt was sold or bought. If this information can be provided and proof that I do in fact owe this, then I would be interested in settling this debt. However until that happens I will be taking all actions to protect myself.
I have a check account with chase ( basic Account with no overdraft autorizacion or allow ) I was out of the country on vacations and when I return I find out that my account was close for overdraft for fees with I never authorize or agree On. Please investigate this uncomplianc conduct from the bank
Back in XXXX, I was admitted to XXXX XXXX to receive treatment for XXXX. I had to visit the ER 3 times, and not once did anyone tell me that my insurance was covered. When I talked to my father about it all, he said that he took care of it all and that he paid it. I am a XXXX XXXX XXXX  XXXX so money already is n't very common for me. XXXX of XXXX I noticed that my credit had gone down by 200 points, only to find out I had all of these unpaid XXXX bills that my father said were taken care of. I did n't know that these bills existed, and no one told me anything about being able to dispute it either. I feel as if It should be settled, because I am still a XXXX XXXX XXXX in school, struggling to make rent, because of all of this nonsense I had no Idea about in the first place. IC Systems called me for the first time in XXXX and that was the only time I learned that I had these things against me.
On XX/XX/XXXX I got a response from XXXX for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint XXXX agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, XXXX did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint XXXX and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX  and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.
On XX/XX/XXXX a wage deduction order was entered for a fine that was owed to the cerks office in the city in which I live. To my knowledge any wage assignment must accompany some type of notice to the respondee giving them time to respond to the notice. On XX/XX/XXXX an amount of {$73.00} was taken from my paycheck. On XX/XX/XXXX I called my H.R. department and they said I had a wage garnishment from the State of Illinois. In which I later found out it was from a debt collecting agency called XXXX XXXX XXXX located in XXXX Illinois. I found out the contact information and contacted them immediately to find out exactly what or who I owed money to. I was informed that it was from a collection for a fine in XX/XX/XXXX. I then tried to make payment arragements all in the sameday, XX/XX/XXXX.I was told buy a very rude gentleman that I could not make payments on the account and it was nothing I could do but to accept the garnishment. My initial amount owed on this old fine was {$2300.00}. I found this out buy going to the clerks office. I called XXXX XXXX XXXX on XX/XX/XXXX to see once again if I can make payment arrangements on the account since the garnishment is causing a huge financial hardship on my family.. I was then informed that I currently owe {$2100.00}. That is an outrageous amount because 25 % of my check has been taken since XX/XX/XXXX. The county clerks records says I owe {$1100.00}.
The false claim is regarding an emergency visit I had made to XXXX XXXX XXXX on XX/XX/XXXX while traveling in United States. There was originally an error on behalf of XXXX XXXX XXXX XXXX. They had sent the physician bill to a wrong insurance company due to incompetency of their computer system in comprehending XXXX addresses. The Hospital had sent their bill to the correct address and they had received their payments without any issue. The issue with physician bill was finally resolved and it was also paid in full amounts and confirmed by a XXXX XXXX XXXX XXXX representative. However, during the process XXXX XXXX XXXX had sent a false claim to XXXX, a debt collection agency as well. Through correspondence with XXXX, XX/XX/XXXX, I made it clear with evidence, that the debt had been paid and if they had any remaining claims they needed to provide evidence to me. They finally stopped harassing me. I had assumed everything had settled until XX/XX/XXXX I received another call, this time from Affiliate Asset Solutions, another collection agancy, followed by a bill sent to my sister 's address in United States, repeating the same false claim. The new creditor on the collector bill was PENDRICK CAPITIAL PARTNERS who had apparently purchased the unfounded debt. Once again, I enclosed the documents from my insurance company that showed they had paid both hospital and physician bills in their full amounts and faxed them to XXXX XXXX XXXX. I am enclosing these documents here as well. After faxing these documents to XXXX XXXX XXXX, I also confirmed through phone that they have received my fax. Furthermore, the representative gave me the impression that the issue was resolved. However, on XX/XX/XXXX I received yet another call, this time from XXXX XXXX XXXX, XXXX, followed by another bill sent to my sister 's address in California, repeating the same false claim on behalf of PENDRICK CAPITIAL PARTNERS. I really hope you can help me put an stop to this.
Experian credit reporting agency is reporting a Chapter XXXX bankruptcy which does not belong to me. I sent a letter to the US Bankruptcy court in XXXX inquiring about the bankruptcy and they replied with a letter telling me that they do not report ANY INFORMATION to the credit bureaus. The court advised me that the credit bureau obtained this information independently. A copy of this letter from the bankruptcy clerk is attached. I sent a letter to Experian requesting they delete this inaccurate bankruptcy information and they refuse to delete it. They claim the information was obtained from XXXX XXXX. I contacted XXXX XXXX, who informed me that had put a security freeze on my data file because my information may have been used fraudulently. I have also attached a copy of the letter from XXXX XXXX. Experian credit reporting agency is also reporting an account from XXXX XXXX. I have written several letters to XXXX XXXX at the address listed on the credit report and those letters were returned to me " undeliverable ''. I sent this information to Experian and they refuse to delete the inaccurate account from my credit report. According to the Fair Credit Reporting act, ALL INACCURATE UNVERIFIABLE INFORMATION SHOULD BE DELETED FROM CREDIT REPORTS. Experian has simply ignored my request. I have uploaded/attached all copies of letters and documentation to support the above.
Bank of America NA closed this account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. On XX/XX/XXXX I sent them a letter certified XXXX XXXX XXXX XXXX XXXX which was confirmed received. 

The letter was written because not only do the continue to report an account that has been closed for 8 years, they actually reported a credit limit increase on this closed account! 

These errors are adversely impacting my credit rating. They never responded to this letter and when I called them they had no record of receiving the letter..
I recently transferred my student loans from  XXXX  to  Fedloans, since I qualify for the federal student loan forgiveness program due to my military service. Two m onths went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  statin g Fedloan would contact me about when it was time to submit payment. My credit score th en dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  Fedloan website, I was able to make payment for the two months  missed.
I am a victim of identity theft. I have previously disputed with ChexSystems and have included new information in this dispute. I have attached a copy of the police report I filed. 

The following inquiries were not authorized by me and I request their prompt removal. 

XXXX XXXX XXXX Date : 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 The following addresses are not associated with me and may be the result of fraud. I have included a copy of the police report showing where my identity documents were stolen. Previous disputes submitted to ChexSystems did not result in the deletion of these fraudulent addresses. Identity thieves are using some of these address to open accounts that are not associated with me and ChexSystems now has notification that these addresses are not mine. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX null XXXX, TX XXXX