WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Medical Data systems since the last complaint to the CFPB. I contacted them twice on X/XX/2017 the first persson I spoke to was very rude and I let her know I never recived anything in writing and she went on and said have you been checking your XXXX XXXX in a sarcasm manner I told her yes and I still have not received anything from this company. She also never offered to send me anything else she just told me to pay the {$100.00} I told her I will pay them there money if they delete it off my credit report and they refuse to do anything. The second lady I talk to looked at the ladys notes from the call before and she hung up on me and that is very unprofessional. So I 'm very upset with Medical Data Systems. I also informed the first lady I will be filing this 2nd complaint with the CFPB and be contacting an attorney. Her response was go ahead and file another complaint with the CFPB. If your going to hire an attorney she said you just need to pay the {$100.00} you owe us very rude.
In XXXX I subscribed to a movie service called XXXX for XXXX. I found out when I tried to use the service that there were additional fees not advertised. I tried many times with the company to cancel.Finally, I disputed this charge with Citibank and was told I received a credit for the dispute. The next day, XXXX put through an additional charge without my knowledge or consent. I contacted both XXXX and Citibank and was told at one point that a permanent credit was issued for both charges and the dispute was resolved. However, they have not credited my account. I have received different answers from everyone I talk to at Cit. I am really tired of calling, writing letters and trying to get back money that was charged to my account without my knowledge or consent.
To whom it may concern, I have several collection accounts on my credit reports from a company named Consolidated Recovery SYstems. The accounts are listed for XXXX XXXX and XXXX XXXX XXXX. Please be advised that I am disputing these collections due to the fact that Consolidated Recovery Systems does not currently have a valid license to collect debts in Tn. The information is currently stating that their license is currently expired according to verify.tn.gov. I am requesting that you investigate the matter and immediately delete these accounts from my credit file or provide me with physical proof that Consolidated Recovery Systems are licensed to collect debts in TN. Your immediate response would be greatly appreciated.
QuickenLoans was well aware that an active dispute is present on my credit report. They requested and was provided a dispute explanation letter. I was told explicitly that I was financially approved. Now, with less than a week to scheduled closing, they are requiring the dispute to be removed before finalizing the loan. I have spent the last month working with the sellers to gather documentation and purchase insurance policies, sometimes missing work to get everything accomplished in time for closing. 

This dispute removal demand puts the sale at risk. If this loan is not finalized, I have wasted a month and lost money.
I am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached an Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : CAPITAL ONE BANK USA, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.
This is a story of a {$6.00} check and bad and deceptive business practices. 

I wrote a {$6.00} check to a burger joint that refuses to accept electronic payments. I rarely use checks because, today, they seem dated and arcane, but the restaurant only accepts cash or check, and I had no cash on me. I forgot about the XXXX dollar check and opened a new bank account and transferred all my money from the drawn account. The day the check was dishonored, XXXX/XXXX/15, I noticed it because I check my bank statement religiously. I pleaded with the XXXX, XXXX XXXX XXXX XXXX, to let me cover the check and any service charge they may have been charged. At least XXXX times, I called and stopped by the restaurant to try to discuss the issue with someone with authority there. I even left my business card. I was never contacted, nor had my calls returned. This constitutes awful business practices and unprofessionalism. Eventually, because they kept ignoring me and my efforts, I thought that the restaurant was just going to eat the loss, so I stopped contacting them. 

Two months later, in the middle of the homebuying process, I check my credit report and see that there is a collection action on my account. I was shocked because no one had contacted me about any debt. I had to XXXX the collection agency 's name, Credit Bureau Services, found on my credit report, and called them to inquire what the hell this collection action was all about. They responded that it was in regards to the aforementioned {$6.00} check that I had long forgotten about. The extortionists at this agency did not even bother contacting the bank or my phone number on the check. Instead, they considered it sufficient to send a couple notices to wrong or old addresses - hence the deceptive business practices. They admitted that they sent a notice to the wrong city, even though they had the right street address. I called these dishonorable thugs and told them I 'd gladly pay the check and charges if they 'd remove the collection action from my credit reports. They said no, even though such practice is common for debts less than {$500.00}. I mentioned to them that I had reached out to the Payee several times in attempts to settle the debt, and told them that the check said it was n't valid for less than {$200.00}. This was still not convincing to them. 

I 'm very active in the community and there are several ways of reaching me. I also have several online public profiles. But no notice of this {$6.00} debt was sent to any one of those places. I 'm of belief that they seek to provide as little notice as possible, which I am sure their procedure violates some law ( s ), so they can say they " provided notice of the debt ''. They do this in order to extort people into paying several times the face amount of the debt ( in my case XXXX times the amount of the debt ), using the damage to one 's credit score as leverage. 

To this day, I have still not received anything in writing from this agency. I was not notified of my right to dispute the debt or the agency 's procedures. And, as far as I can tell, my credit report does not reflect the fact that the debt was paid.
The company, XXXX began calling me in the middle of XX/XX/XXXX. I know the name of the company because when they left me a voicemail ( only 2 times out of the 30 times they've called ) it stated the name of the company. After they called me about 5 times I answered and the woman asked me my birthday, I said no and then she asked " I know the day and the month why don't you just tell me the year? '' I responded no and then she simply said we will send something to your home address and she abruptly hung up. I got another call just three days later. XXXX continued to call me throughout the month of XX/XX/XXXX. They call from different phone numbers every time but they always have a XXXX area code. Since they were calling so often and every time they called me while I was working, I simply changed my answering machine to say that if they are a debt collector to please stop calling me immediately. They still continued to call while I was working. After they called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I finally picked up on XX/XX/XXXX and told them to stop calling me again. Both callers I spoke to never stated the purpose or any information on why they were calling me. They simply said it was important business information and then continued to coerce me into confirming my birthday. They continued to call throughout the month of XX/XX/XXXX and XX/XX/XXXX while I was working. I am a XXXX so I simply can't just pick up the phone while I'm in the XXXX  and tell them to stop once again. The last dates that my phone logs indicate that they called my on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  They call while I am working and I've been forced to ignore their calls every time because I simply can not let this outlandish form of harassment jeopardize the safety of my operation.
received call from ( XXXX ) XXXX stating he was a verification officer and that i better call phone number ( XXXX ) XXXX and talk to their legal department or else he would come to my home and serve me. called the XXXX number and spoke to XXXX XXXX who stated she was a legal mediator and that i better pay or they will come and serve me and have me arrested. I ask several times what this was for and she said it was ace cash express. The case number they gave is XXXX. They presented themselves as a law firm and not a debt collector. I stated that I do know the laws when it comes to collections and what they were doing was completely illegal in the state of texas and i was promptly hung up on. Not only did they contact me they also proceeded to contact 4 of my family members, and tell them that they will be out there to serve them with papers and arrest warrant.
Synchrony Bank is trying to collect a debt. I can not pay them right now. It is fine to call, but they are harrassing us now. They call every 45 minutes Monday through Sunday. They also call my cell phone sonetimes.
This company is attempting to collect a debt that has not been VALIDATED or VERIFIED. I asked the company for VALIDATION of this debt and they have failed to do so. They sent me billing statements which is not VALIDATING this debt. Also I've previously disputed this company for this same reason and somehow they managed to get back on my report, they did not notify me within the allotted time period they were going to add this back to my credit file. Therefore this needs to be removed from my credit report and this company needs to cease communication with me.
I have an account on my credit report that was fraudulently opened & harming my credit score. I have reached out to both XXXX & TransUnion to resolve the matter. They are telling me that the results are verified. However according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Which the XXXX & TRANSUNION have yet to provide.
A charge posted on my account in the last billing period that I did n't authorize. The charge came from a merchant whose services are pushed on me through mail marketing by the credit card company. I called the merchant and did get the charge reimbursed. I also called the credit card company and voiced my concern regarding a charge that was unauthorized and came from a merchant that is frequently marketed on me by them ( being the credit card company ). The credit card company offered to block the merchant and look into any wrong doing on the merchant side. The service associate told me that the credit card company did own the merchant company at one time. I now have the credit card company reviewing any wrong doing by the merchant. My question is, who will check on the credit card company for any wrong doing? Normally, I would not be that concerned about a charge dispute, but in this case, I am very concerned that the credit card company is not treating my information in a secure manner. I have had no dealings with the merchant ( that I can remember ) but yet they were still able to acquire my credit card information to charge it. I would like the credit card company to answer the question of, how did the merchant get me " secure '' credit card information?
On XX/XX/2018 at approximately XXXX EST I attempted to place a credit freeze on my credit report with Experian PLC. I attempted to place this credit freeze online via the Internet. After entering all required information I received a message requiring me to send further information via registered mail. Registered mail is not free. It is my understanding current law requires credit reporting companies to place credit freezes at no charge to the consumer. Please require Experian to place a credit freeze on my credit report free of any charges. Thank you for your assistance.
I have information on my credit report that keep reappearing after it has been disputed and deleted. The first collection has been deleted twice and re-added and is not mines. The XXXX accounts are not charge off and was deleted from my report six month ago. I have XXXX for all these debts. 

1. XXXX XXXX {$54.00} - Not my mines account was deleted twice from report and just re-added. 
2. XXXX {$51000.00} - Paid Off 3. XXXX XXXX - {$10000.00}, have XXXX should be deleted from report. 
4. XXXX XXXX - {$7600.00}, have XXXX should be deleted from report. 
5. XXXX XXXX - {$1500.00} - Not my mines account was deleted twice from report and just re-added. 
6. XXXX XXXX XXXX - {$3000.00} - Not my mines account was deleted twice from report and just re-added. 
7. XXXX XXXX XXXX - {$27000.00} - account paid off. 
8. XXXX - {$31000.00} - account is paid off and was showing paid off last month in good standing. 

10. An address I never lived at was added. XXXX XXXX XXXX XXXX XXXX. This is not mines.
I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX  OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX,
My complaint relates to the way American Express investigated our dispute with XXXX XXXX XXXX ( XXXX ) in XXXX Missouri which started in XXXX of 2016. Now that the dispute is a year old American Express has closed it. Throughout the dispute process we were told to contact XXXX in order to come up with a resolution. WE attempted to do this. However, once American Express paid XXXX, XXXX would not return our calls, emails or snail mail. American Express sent us documentation sent to them from XXXX which appeared to indicate that we used the third party time share exit team XXXX XXXX XXXX. We were unable to use the XXXX XXXX exit process because XXXX XXXX asked us to sign a totally blank enforceable agreement form which we refused to sign. XXXX then told us that we could drop out of the process. So the amount of money that we charged on our American Express card - {$2.00}, XXXX which included {$750.00} for XXXX XXXX XXXX should have been refunded back to us. American Express did not do this because XXXX told them that we owed them {$2.00}, XXXX. XXXX knew that we did not use XXXX XXXX XXXX and when XXXX XXXX XXXX from XXXX was talking to us he referred us to another time share exit team, XXXX XXXX XXXX, also in XXXX,. So we opted not to use this group either. So we opted not to use this group either which according to Better Business reports, was under investigation. So we opted not to use this group. We tried to open another dispute with American express with the {$750.00} amount subtracted but American Express said it was too late that they had already paid XXXX. XXXX has our money which means that technically we are members of this group but they have not communicated to us in any way to even acknowledge that they we are technically members of XXXX even though we do not want to be members and only joined because we were told that this was the only way we could access the exit team that they could guarantee would get us out of our XXXX resort time share. Unfortunately, the XXXX promises that we were depending on were all verbal. We understand that according to contracts that we signed with XXXX we owe them some money but not the money that went toward a time share exit team that we clearly did not use.
Citibank had a promotion to give you XXXX if you deposit XXXX and not use it for 90days. the 90 days is up and I am having a problem getting the XXXX dollars added to the account
a doctor sent this to a collection agency. when I never even got a bill from this doctor. I have been trying and trying to call the debt collection company, Trans world Systems, but when i call it says.. leave a message for extension, XXXX ive left a message. they dont answer their calls on XXXX different numbers I 've called. they have a fax number on one of their web sites, i tried to fax them a dispute letter. The fax number is a phone number! again, no answer. 
how can i dispute this debt if i cant get ahold of them? the problem is, the doctor office is charging me my XXXX percent share at a price that exceeds what XXXX says i have to pay. the XXXX has to go by XXXX approved amounts. and not charge me what they think they should get paid, Good thing XXXX issues me what they pay out and the most i should have to pay!
I received an email from a company called Ace Cash Group threatening legal action against me and requesting I pay them {$620.00}. The body of the email is below. I do not have any dealings with a company by this name and based on a web search I believe this is a fraudulent attempt to collect money. basically, it is a scam. 

CASE FILE # : XXXX Attorney : XXXX XXXX Number : ( XXXX ) XXXX DUE AMOUNT- {$620.00} Dear XXXX XXXX, This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your S.S.N is put on hold by the US Federal Government, so before the case if filed we would like to notify you about this matter. 

It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your case with the Bureau of Defaulters. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. 
Now, FTC is pressing charges against you regarding XXXX serious allegations : 1. Violation of federal banking regulation act XXXX ( C ) 2. Collateral check fraud 3. Theft by deception ( ACT XXXX A ) If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We re-serve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a total outstanding amount committed to, by use of the internet. In addition we re-serve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 
WE CARRY ALL THE RIGHTS RE-SERVED TO INFORM TO FBI, FTC YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you are found guilty in the court house, then you have to breathe entire cost of this lawsuit which totals to {$13000.00}, excluding amount you borrow, attorney 's fee & the interest charges. You have the right to hire an attorney. If you do n't have or ca n't afford one then the court will appoint one for you. 

Attorney : XXXX XXXX ( XXXX ) XXXX Ace Cash Group Copyright ( C ) XXXX FTC.
I sent a letter to experian who obviously wants to never correct things. I had questioned their past procedures in how they process disputes.Having my doubts that information was not only investigated but information on accounts actually existed so I wrote letters and sent to each creditor asking to send me documents supporting accounts. The creditors were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I needed for legal purposes and if they did not have documentation for the accounts to let me know or if they didnt send I would understand that as they no longer have information. 
Well if they no longer have information how can experian have done investigations proper ones. They cant. I am including the letters sent to creditors along with their responses also the request I sent to experian. 
The responses I received after specifically asking for account documentation were these XXXX   XXXX -- -- no longer handles account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- -- the account was sold please contact purchaser XXXX and XXXX please contact us at this number we know your credit is important This to me tells me as no documents supporting account were sent and contact was made asking and calls made but no documentation because the creditor no longer has so how was an investigation ever done if the dont have documentation all other creditor sent packets with documentation. but not these. 

Now my response from experian was this I need to supply relevant information or they wont investigate. I couldnt have supplied anymore relevant than the letter I sent to creditors and their responses. They dont have and didnt send documentation for the accounts instead it was call and contact whom they sold account to. 

If there is no information what relevant information do they want. It was specifically stated documentation was needed for legal purposes. 

Experian always refuses to do anything but send a form letter to you as it saves time and money the 30 seconds they have to process each complaint. XXXX no they dont want to remove an item that they can verify because it would take to long. 

All of these Items should have been removed as there is NO documentation supporting these accounts. End of story. If experian refuses to re investigate or remove then we have a violation of FCRA. I have provided more than enough information to show these items need to be removed. Some are old but all are closed. 

Im asking experian now either remove or supply all documentation that gives them the right to report on my credit file. No ifs ands and buts. If creditor doesnt have experian better have in order to be reporting.
Central Portfolio Control callback number is XXXX. Has contacted me several times starting XX/XX/XXXX. On XX/XX/XXXX they called and spoke to me directly. Since then they called again leaving messages on XX/XX/XXXX and XX/XX/XXXX. 

In addition to these calls and messages on my phone. They called my place of employment on XX/XX/XXXX, and my grandmother on XX/XX/XXXX. 

They have already spoken to me, and have all of my contact information, they should not be calling third parties.
Equifax continues to report inaccurate unverified charge off on my credit report from XXXX XXXX and XXXX XXXX. I requested through certified letters their METHOD of verification names and phone numbers of individuals reporting the negative data on XXXX XX/XX/2018 and Equifax still has not responded to my request but continue to report the inaccurate unverified charge offs. Equifax had to correct MIXED items on my file in the past would you please assist me with this issue.
I have been using the app XXXX XXXX. There is consistently a issue with the app not getting updated information from BMO Harris bank about my transactions and balance as well as direct deposit.