WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, TRANSUNION AND XXXX HAS NOT DONE A PROPER INVESTIGATION ON THE HARD INQUIRYS ON MY CREDIT REPORT. SINCE THE DATA BREACH THEY HAVE NOT DONE ANYTHING TO REMOVE ALL THE FRAUDULENT INQUIRYS ON MY REPORT. I DID NOT APPLY FOR CREDIT WITH ALL THOSE COMPANYS. I WOULD LIKE ALL THE INQUIRY 'S ON MY CREDIT REPORT REMOVED NOW. 

Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me. 

If this final request does not prompt you to conduct a proper investigation of the items in question, or the immediate and complete REMOVAL of the INQUIRIES and NEGATIIVE COMMENTS from all my credit reports ( XXXX, XXXX, and Trans Union ) immediately. Please send proof to me of said investigation, I will file a civil suit in your county, or state for damages.
Your Company has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
I incurred debt on a WalMart Mast Card. I have financial difficulties and XXXX XXXX XXXX , XXXX set up 6 months of payments at {$150.00} per moth for 48 months. They made me do this via automatic withdrawal from my bank account. I have to re-set this up every 6 months with new check numbers. Last month they took the {$150.00} with chk # XXXX. Then 3 days later they took another {$150.00} without my permission from WalMart ACH online. I repeat, I did not do anything online. I called my bank and filled out a form and I got my {$150.00} back. Now for this months payment on XX/XX/XXXX they took out {$150.00} again and it says WalMart MC ACH. There was no Chk # XXXX. So yesterday, I called the number given to me and after speaking with XXXX people I was told that my amount due was paid in full for this month and it should be fine. So, today I went online to my bank and saw that I was charged {$30.00} for NSF because they tried to take out another {$150.00}. After a long conversation with my bank. I decided to go ahead and pay ( the bank ) {$20.00} to stop them from trying to take Chk # XXXX again and another {$20.00} to stop future WalMart MC ACH withdrawals. I then called The WalMart MC Customer service number on the letter I get each month. and all the girl kept saying was that I was not enrolled in their automatic withdrawal. I then was transferred to another guy and I explained this all over again and he eventually put me on hold for a while. While on hold, the phone was picked up at two different times and they ended up hanging up on me! I am very frustrated. Each and every time I call they say that it is recorded for debt collection purposes. Is there some way I can be helped. I do not want to pay extra money that I do not have.
I have made numerous attempts requesting tje validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I was not given enough information to validate debt.
Hello, I have an HSA account with UMB and they refuse to give me my account number. 

I need my account number to pay my insurance premiums and the only way the insurance company accepts payment is an electronic ACH. 

Furthermore, I am set up to have online account access and my account number is not available online and they do not provide statements monthly but quarterly! 

How is this legal!?!
I am  XXXX   XXXX   XXXX . This collection agency has put  XXXX   XXXX  and  XXXX  dollar charges into collections under  XXXX  different accounts. The first time I ever checked my credit report, I see  XXXX   XXXX  and  XXXX  dollar charges. I have never received a bill from a medical facility. If at any point I did owe, it would be under my parents. The time that this collection agency got the account I was just  XXXX . In order for anything to go into collections, it had to be delinquent for some time. I could n't have delinquency as a minor. I have never received a bill, a call, email nothing. I am requesting assistance in getting this removed from my credit file and having this company disciplined for erroneously reporting collections on my credit file.
Enhanced Recovery has reported to the CRA that I owe a debt to XXXX that was the resault of Identy theft. I reach out to them XXXX time and then went directly to the orginal creditor ... Spoke with XXXX XXXX at XXXX who has confirmed the account is cleared and has let the collection agency know that this account has been clear and any negative information should be removed from my bearus within XXXX to XXXX hours which at this point it has not been removed
I paid off car in total never received title in mail after I called about a year for it then busniess disappeared
One of our employees has a debt collector that keeps calling after we asked them to stop and let them know employees cant receive personal calls at work.
I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.
I received a letter from American Coradius International LLC, the number is XXXX.  They claimed they owned XXXX of my debt, the creditor is XXXX, XXXX.  I checked my XXXX account, there is a $XXXX balance, I've never carried a balance on XXXX, this is obviously a false claim by a crooked collection agency that somehow got my address through dubious tactics.They claimed their NY State License is XXXX.  I'm reporting them to you for investigation of fraudulent debt collection.
Judgment for an unpaid Veterinary Bill showing on XXXX Equifax that has been satisfied and a Tax lien that is being shown paid that should have been vacated on my Credit profile for Equifax XXXX. Please help me, this is the second time these items have prohibited me from getting a mortgage. Thanks XXXX XXXX
I have had an account with BB & T since before XX/XX/2007 with no fees. I had no activities so I rarely looked at my account statement. After 8+ years of no fees some time this year my account has been assessed fees greater than {$100.00}. I feel it bad practice and possibly against banking regulations to arbitrarily begin feeing a customers after years of no fees. 

I made no changes and was not notified of the new fees placed by the bank. With the XXXX XXXX scandal I want to make you aware to make sure your bank is not following the same path. 

I feel I was robbed of my money just like a bank robber now it seems the bank is the robber.
The company in question, XXXX XXXX, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as XXXX XXXX and XXXX XXXX XXXX ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " FNBO 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.
XXXX XXXX dba Supreme Lending has taken over 90 days and counting to close on my loan. I have had to pay for 3 extensions through HUD due to Supreme Lendings underwriting department taking 3 weeks to review my loan documents. Please investigate this!!!
My bank account was attacked by fraudsters on XX/XX/XXXX using detail only available on an idle Serve account. When I called to cancel my account and request a complaint be filed for data breech, the customer service agent did not know how to address my concern. Instead, he made me repeat my request several times, then transferred me to another line, which kept me on hold for several minutes. I disconnected after more than a a five-minute hold time.
I put a downpayment of {$2300.00} using my Discover card on XX/XX/XXXX, to an online education through XXXX XXXX XXXX XXXX.and to be scheduled to attend training event due to commence this year XXXX and the future which was canceled due to the FTC shut down. XXXX  which is a global internet company and I started receiving ongoing business training nearly every week and including monthly newsletters about how to grow your business and achieve customer acquisitions in XX/XX/XXXX. I tried to contact XXXX  after I learned that they were shut down by FTC but no luck, I contacted Discover to dispute my payment due to XXXX can not deliver anymore & all the basic learning are useless since XXXX is out of business. Discover stated that unfortunately, they can not help me with the dispute and suggested to find other resolution outside their company.
I have been trying to remove these inquiries that these two companies have been putting on my report TransUnion and XXXX are the two worst one with no respect for consumers. I have called them several times to let them know how can I have inquiries when I am not even in the country, I spend most of my time overseas getting medical help because I am a XXXX XXXX XXXX XXXX. I sent them proof of my passport with the XXXX entry stamps so they can see and I also called and they said that they will remove those inquiries but still nothing has been done. They put freeze and fraud on your report without your consent just because that is the easier way for them to say that they are working versus actually doing their jobs and check the validity of an account. they keep deleting and then re-enter the same account back in your account which is gainst the law. If I had the money I would not waste my time complaining I would of just sue them because I know I would win. they are just shady making money on behalf of us consumers and they are also selling our credit file to other entities likeXXXX XXXX etc. that is against the law they need to be stopped.
Debt was paid XX/XX/18, letter from Business Revenue Systems , Inc. dated XX/XX/18 was received for a debt from XXXX XXXX XXXXXXXX XXXX, XXXX ( creditor ). I called Business Revenue Systems, Inc. on XX/XX/18, talked to XXXX and XXXX who refused to call or confirm with creditor this debt is paid and there is no outstanding balance. 

XX/XX/18 - I confirmed with XXXX @ XXXX XXXX XXXXXXXX XXXX, XXXX that debt is paid and my balance is XXXX. XXXX informed me Business Revenue Systems , Inc. has the ability to look up my account in their system which again, would show a XXXX balance.
XXXX and Debt Recovery Solutions , LLC refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, one for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, Debt Recovery Solutions , LLC, which last reported this old debt on XX/XX/2018. This is illegal.
On my Experian credit report I had filed a dispute for an account that was open under identity theft fraudulent activity. I had mailed a copy of the police report that identity theft affidavit from the FTC website. they requested more self-identifying documentation which I submitted my bill and a copy of my ID and Social Security. I requested the updated credit report file and the fraudulent account is still being reported. I specifically called Experian and talk to a customer service representative and she went through the paperwork on file that I had submitted telling me that I need an updated police report and either way they ( experian ) did not have authority to remove the account from my credit profile.
I 'm getting really frustrated because I submitted the same print out documents to XXXX and XXXX at the same time ( around end of XXXX ) for the same account and both companies successfully deleted that account from being reported on my credit report. I called Experian the second time demanding that they remove the account from my report because I had submitted all supporting documentation around XXXX XXXX, 2017. The customer service representative refused to remove the account even though I had the police report on file with Experian.
And I received a phone call and attempt to collect a debt from the creditor where the fraudulent account was open, they called me on my cell phone did not verify who I was and started accusing me of opening the account. I specifically wrote a cease and do not contact letter to the Creditor. The Creditor has violated my right by calling my cell phone after I demanded they stop contacting me. I never gave them my cell phone to call I do n't know how they obtained to my phone number. I feel like I was being harassed because I asked them if they had on file my request to not contact me and the gentleman on the phone simply started to tell me I need to make a payment and I have an account that needs to be paid.
I have suffered and I have been denied credit because of this collections account the bad payment history on the account and the amount of the account it 's been a long time I have been going through the process to get this account removed and these companies are giving me hard time I want to seek compensation, credit repair for the damages done to my good payment history. Also the balance that the Creditor is reporting to the credit bureaus has gone up but supposedly the account is in collections?
mailed mortgage payment on XX/XX/XXXX - PNC says they still do n't have payment - agent on phone said she just had another call on the same thing, the 2nd time this has happened to me with them and I take it very seriously. do n't have deatils from the 1st time, but started watching every payment closely, 10 days later they do n't have check? I feel something is wrong with their payment handling
I have Opened citi checking account on XX/XX/2018 with a deposit of {$15000.00}. 
And I have kept the funds for more than 60 days and its been more than 90 days since i opened account and did not get the promotional bonus they promised
I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.
I paid {$170.00} to my doctor 's office on XX/XX/XXXX ( cleared bank and posted to medical office account on XX/XX/XXXX ). This is a debt which I still believe is not owed but was willing to make payment so that it would not be reported on our credit report. 

Received 1st letter from Receivable Recovery on or near XX/XX/XXXX. Called the agency and informed them I did not believe I owed the debt and requested records from BOTH Receivable Recovery and the doctor 's office. I also informed Receivable Recovery that I would make payment in the meant time. To date, I have not received records from either entity. 

Received a call yesterday from Receivable Recover. Called them back and they told me I had not paid yet. ( Note that I had received multiple calls each day for a XXXX # with no voicemail on the Friday and Monday prior to speaking with them ). I informed them they were wrong and the operator proceeded to be very rude with me. I requested a supervisor and was sent to the voicemail. Immediately called the billing company for the doctor and was told that they showed the bill paid and that notice had been sent to the collection agency to that point. She assured me that they would send a second notice of payment to Receivable Recovery. 

Received another call today from Receivable Recovery that they had just received notice that the debt had in fact been paid in XX/XX/XXXX and to inform me that they were processing a deletion since it had been reported to the credit agencies. I am furious that this has been reported as the matter had been correctly taken care of. I spoke to a supervisor who was of absolutely no help. He basically said " We reported it, we are asking for a deletion, its over, not sure what you want me to do about it. '' I believe that this agency uses fraudulent practices in trying to collect debt. They are harassing and not willing to do what is asked of them. To date, I still have not received any documentation from them proving that we were notified that we had a past due balance with the doctor and would be sent to collections, nor that Receivable Recovery had attempted to contact us prior to the letter received in XX/XX/XXXX. ( They claim a letter was sent in XX/XX/XXXX. ) I was also informed by the supervisor that he did see where I had request an itemized statement, and that they had requested one from the doctor 's office ( because they accept files for collection WITHOUT a copy of the bill ), but that they never received it from the office. 

I maintain that I followed what was expected of me in 1 ) disputing the amount in question and 2 ) making a payment in the amount in question to the doctor 's office in order to prevent this from being reported while we tried to clarify the situation and Receivable Recovery did not do as they promised by reporting this to the credit agency while the debt was in dispute.
I havent officially complained about this issue yet, but only because I cant get through to Santander Bank. Im XXXX and when I call their XXXX   line, Im on hold forever until it finally just disconnects. I tried calling their main number using a  XXXX  service but the representatives are either hanging up on me or Im getting disconnected with them as well. So my complaint is this ... I have two erroneous charges on my debit card. They appear to be atm withdrawals. There are also some atm fees. Im attaching a screenshot of the unauthorized ATM charges. Please open a dispute claim for these and send me a new debit card.
I lost my job in 2009 and had to move to another state to work. I had to walk away from my home XXXX. Bank of America went to the courts for the permission to recover the home, which the court granted. It has been XXXX years and BoA refuses to finalize the foreclosure because it is not worth it for them finish. This is holding my family hostage. My wife and son both suffer XXXX. Living in limbo and not having a home of our own is having profound impacts on my family. I am a XXXX veteran who needs to buy a home here XXXX, but I ca n't move forward with my life, because BoA is treating my situation unfairly.
Hello You people helped me the last ... dealing with Wells Fargo ... where they added taxes to my mortgage ... the first payment to them was {$860.00} from XXXX XXXX ... so these people tacked on another {$50.00} on to my mortgage ... for four months ... paying a mortgage payment to these people ... where they said it was taxes ... I'm a XXXX ... XXXX XXXX XXXX.. 
These people when I complained about my payment ... oh XXXX XXXX there was an over payment of my escrow ... which they are lying ... had I said nothing, they would have kept the money ... Mr. XXXX ... this is your lucky day ... you have money coming to you ... they sent me a check ... .and paperwork ... but as I said ... show me what you did with my money for {$50.00}? for four months..taxes.. I went to that website..still have me at XXXX ..they cook the books to make it look good and where is the government? don't steal from me ... 
take it from the rich ... 
You want the paperwork that they sent me? They still don't have it right ... this started from XX/XX/XXXX to the present.. 
They owe me for four months..and I went to see if they changed my mortgage payment ... and they haven't ... 
So what do I do? Not pay them, where they will be foreclosing on my house?
We received a letter dated XX/XX/2018 from Interstate Recovery Service,  NC. They claimed that they were trying to collect a debt for a company called XXXX 'XXXX XXXX in the amount of {$1400.00}. We have never ordered magazines from this company and we certainly would not have ordered {$1400.00} worth. We looked up Interstate on-line and the comments was that this is a fraudulent company. We would like you to investigate them.
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandled  MY  loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
XXXX  showing tu, XXXX, XXXX when i sent hacking and ftc reports