WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2015 I received a loan from a local place of business called XXXX XXXX. In exchange for my XXXX XXXX XXXX automobile title I was given a loan of {$750.00}.

I repaid the loan with interest in 4 months. Each payment was a money order since this place of business didnt accept checks or cash. Each payment was {$390.00}, which sufficiently paid off the loan with interest.

I continued to get collection calls from XXXX XXXX  after repayment of the loan. The calls became so abusive and originated from around the country that I refused to answer them.

My daughter also received threatening phone calls from a broadband phone located in XXXX, as well as others. She sent me these along with the recorded messages. My daughter is a XXXX   and neither she nor I need to be continually harassed by these collection companies.

I retained XXXX XXXX XXXX to clean up my credit report and noticed several mysterious inquiries, Judgements, and companies claiming that I owed in excess of {$900.00}. Their names include 1 ) XXXX XXXX XXXX  2 ) XXXX XXXX 3 ) XXXX I have never dealt with any of these companies nor have I been made aware that I owed any company this amount. According to the paralegals at XXXX XXXX the above titled companies are claiming that theyre owed a ridiculously high amount of money that could only originate from an illegal predatory loan company.

XXXX XXXX   is the only company Ive ever dealt with that would be considered predatory. Since XXXX XXXX couldnt reach me by phone, they fraudulently charged my checking account XXXX claiming it was for the purchase of an elliptical machine. Im XXXX and would never waste my money on an elliptical machine. I contacted my financial institution and after researching the transaction it was discovered that XXXX XXXX fraudulently, through an electronic transaction withdrew funds from my checking account.

After retaining XXXX XXXX to address my credit issues both my daughter and I began receiving threatening phone calls from collection agencies. I have phone numbers these calls originated from, dates, time ( s ) of these phone calls and the recorded messages that have been left.

Needless to say this is extremely damaging to my credit report. All credit reporting agencies have a record of this predatory loan which has been paid for years. However, my credit report doesnt reflect this and the harassment has gotten very problematic. It needs to be stopped as soon as possible and my credit report needs to have this fraudulent negative item ( s ) removed at once.
XXXX XXXX XXXX XXXX in XXXX XXXX, Ca., Rushmore Loan Management Services in XXXX , Ca., XXXX XXXX , XXXX, and XXXX XXXX, XXXX  are trying to foreclose on my home in XXXX XXXX when none of the companies listed above is licensed to do business in the state of California.
Please confirm with The Social Security Administration of my name on their file. They are one of the ones that told me to contact the credit agencies.
Equifax did n't properly use it 's considerable assets to protect my personal data despite making insane amounts of money. Deplorable.
XXXX seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to WELLS FARGO BANK VISA. 

I deny any debt, claim, or judgment by WELLS FARGO VISA or XXXX, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.
I worked for this company for 3 months and witnessed many infractions of the FDCPA. Two of the most common : - Debtors are supposed to be notified in writing of the debt being collected on. The owner of ATG Credit decided this was too expensive, so only sent letters on certain dollar value accounts, or to clients we were able to speak to verbally. However, the debtors who were not sent letters were still pursued via skip trace and countless calls. 

- Questionable debt. There were a couple of clients we were forced to collect " debt '' on, who did not seem to be able to prove the debts were owed. These debts counted in the 1000s, contained low balances and were very old. No written letters were sent to debtors for these clients unless verbal communication was made first, and we were not allowed to open disputes on the debts for anyone who asked that be done. Instead, we were forced to close the case ( upon threat of write ups ), meaning this debt could still be collected on and resold, without the dispute ever being researched.
XXXX XXXX of kc portfolio has no license to be a credit organization in Texas or any where no experience in finance or surety bond by the state of texas violation of all my cra rights
In XX/XX/XXXX, I submitted a complaint related to a XXXX 's XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX 's was nonresponsive. The CFPB contacted them and XXXX 's settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter. XXXX XXXX XXXX XXXX
We applied for a Commerce Bank loan ( serviced by XXXX XXXX ). They prominently advertise that after 12 months of good payments the co-signer would be released. We called and they confirmed this was correct. When I received the papers, there was no mention of the 12 month co-signer removal. I then called to question it and was read a list of conditions and told it had to be applied for. These conditions gave the bank an out in any circumstance. 

I cancelled the loan application and am writing to report that there was a definite attempt to deceive me into signing and then never being removed. Im ok with the terms, but the ran my credit, we even called and they confirmed and tried to take advantage of us. 

The application number was XXXX Thank you. 
XXXX XXXX XXXX XXXX
My wife XXXX XXXX was in XXXX XXXX Hospital from Thursday XX/XX/XXXX through Sunday XX/XX/XXXX. Without our request, the hospital admitted my wife to a semiprivate room on the XXXX XXXX. My wife is not a child ( DOB- XX/XX/XXXX ). We disputed the {$300.00} co-pay for the semiprivate room with the hospital with XXXX last name unknown on XX/XX/XXXX and XXXX last name unknown on XX/XX/XXXX. Both of them promised us a response from a supervisor at the hospital. We got no response. Instead we got a collection letter from Receivables Solutions , Inc,  XXXX XXXX XXXX, XXXX, South Carolina XXXX. 

We should not have to pay for a semi private room on a children 's ward that we did not request. Only the geniuses at XXXX XXXX Hospital can explain how my wife was placed in this room. 

Sincerely, XXXX XXXX XXXX
My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of MidFirst Bank. As of late XX/XX/XXXX early XXXX we requested a payoff. In XXXX I received a call from XXXX XXXX   but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. 

Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. 

Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX  to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX   and discontinued the call.
I DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing   XX/XX/XXXX Experian XXXX XXXX Auto/Truck Leasing XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX  XXXX XXXX Automotive   XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX Student Loans  XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance/Personal XX/XX/XXXX XXXX
On XX/XX/2018 a collection account was placed on my credit reports ( XXXX  and XXXX ) for a XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX for {$6500.00}. I have not received any written notification about this debt to verify it or any written notification of right to dispute this debt. I have sent letters to both credit bureaus and a certified letter to XXXX XXXX c/o XXXX XXXX XXXX requesting validation of debt. I have not received any response. I have tried contacting XXXX XXXX about this debt directly but they have gone into bankruptcy and are no longer in business. I have attached copies of the letters and information I have collected. I have attached copies of numbers and addresses for XXXX XXXX I have used to contract them via the Texas Secretary of State licensing website.
Applied for American Express XXXX XXXX card on/around XX/XX/2018. 

Moved to new address. Never received the first card. A new card was sent, that was also never received ( card was never activated, nor used, so no fraud ). 

On XX/XX/XXXX, received mail forward from old address with a bill for {$95.00} for a card I never received nor activated, nor used. 

American Express is not willing to waive a fee, instead they offered me another credit card. I have told them to cancel the card. Still, they noted they billed me for this fee ( to use a card I never received, activated or used ) and said because they billed me over 30 days ago, I am liable. 

I want to know how I am liable if they never fulfilled their end of the contract. Once the first card was not received and a new card was sent, why was this not sent certified mail as there may have been a high likelihood of fraud.
I originally filed complaint number XXXX against Select Portfolio Services, and their response, which I disputed, contains some outright falsehoods and misrepresentations : In the first part of SPS 's response, they said since they are only the servicer of my account, they could not respond to any allegations regarding origination. Why did it take so long to tell me this? And why are you responding to my right to rescind? In which response you say that my loan originated XX/XX/XXXX which it did, but my right to recision is based on a modification done XX/XX/XXXX, which is well within the 3 year limit. 
SPS also alleges that another lien was not paid off in the modification ; the fact that this collecting of funds XXXX used to pay off XXXX XXXX without my knowledge or consent was not disclosed in the modification is a major part of my complaint ( which SPS says is not their responsibility to respond to XXXX. I have ordered the following from XXXX Mortgage : Copy of Payoff Request from XXXX ( which I never authorized ), a copy of the payoff letter directed to XXXX, and a copy of the payoff check from XXXX and a copy of the release of lien sent to XXXX. As soon as I receive these I will forward to CFPB. 
The above is in response to SPS 's non-response. 
I have also registered a complaint against XXXX.
I have tried for two years to get Trans Union to look into a creditor is has three duplicate charges on my credit report, the only thing that differs is the amount of interest charged.  There are three medical bills total that are ligitimate.  This bill collector posted six, as I said three of which are the same bill, different interest charge.  Not only have I not heard from Trans Union with 30 days,  I have not heard from Trans Union at all about my complaints.  There is also a new hard inquiry listed recently that I did not initiate.  The creditor is all the same company, XXXX —— XXXX.  I’m not sure of the last name.  It’s a company in Massachusettes that seem to deal only in medical bills.
have no knowledge of an account in collections from Americollect inc, this is not my account and have written several letters to the company and have never gotten a letter back or anything.
Hi, A company called XXXX  reported to my credit bureaus without my permission. They claimed I check marked a box allowing them to report the credit line however I don't recall ever signing off or accepting this. I want the line items removed I believe it is 4 of them. They also use a different reporting name as well called Flourish. It's damaging and they aren't being helpful.
I received a collection notice from Enhanced Recovery Corporation, XXXX regarding a debt that is not mine from XXXX XXXX in the amount of {$2400.00}. I have never had an account in my name with XXXX XXXX. I checked all XXXX credit bureaus XXXX XXXX and all do not show this alleged debt. My credit score is XXXX and I am concerned that this action will affect my excellent credit score.
The beginning and current balaces due for US Auto XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019.
I have a payday loan with Check Exchange for $XXXX.. I retained the services XXXX and they act as the middle man for sending payments to payday lenders or creditors on your behalf.. Check exchange recieved XXXX payment of $XXXX which would be per month until debt is paid in full for XXXX months..check exchange cashed the check but turned around and said that they want $XXXX per month for XXXX months that would put me in a financial strain I cannot afford right now..I t is not like I am not trying to pay them back what I owe, it may be in a smaill amount, but something is better than nothing at all and they did cash what was sent to them.
I checked my credit report and found this account never get any notification no way to reach my account with the original creditor
Discover is reporting an authorized user on my account that needs to come off my credit report. Account number XXXX
Will call several times a day although permission was never given to them to contact me via certain telephone numbers. I am paying more than necessary every month to make up for my missed payment but they keep calling anyway.
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
1. Loan is still not closed after 7 months. 
2. Operations Manager made several attempts to make our insurance company insure for the full amount of the loan and not just the dwelling as allowed by law. 
3. Calls and emails being sent to us after XXXX requesting that we need to sign the paperwork immediately. 
4. XXXX closing dates have been set up and we are still not closed. 
5.Repeated attempts to get us to sign documents indicating a 10 % interest rate instead of 4.5 %. 
6. Verbal statements as follows : " Just sign the paperwork. I swear XXXX that we will change it back to 4.5 %. 
7. Numerous delays due to their own negligence and errors.
To whom this may concern, I am writing this complaint because Experian has not responded to my direct requests for support and I am unable to resolve outstanding issues on my credit report. Specifically, the outstanding issues are : 1. ) Experian maintains two known to be false living addresses for me. Including an invalid XXXX XXXX and incomplete address in XXXX. Both of these addresses should be removed because I have never used these addresses. ( Although I have previously requested Experian take such action, Experian has not responded to my requests, nor does it appear as though an investigation was even started. ) 2. ) Experian maintains an unrecognized account labeled as " XXXX XXXX XXXX '', yet this account appears to be the result of identity theft and should be removed. I have previously disputed this information with Experian but did not receive a response. This record should be investigated and removed. 3. ) I am unable to access Experian online or access financial services because Experian maintains the incorrect addresses on my file. This makes it impossible for me to answer address verification questions such as " Have you lived at your current address longer than two years? ". This makes it especially difficult to access any financial service because the two invalid addresses on my credit report do not match addresses on my identification or the true address that I have lived at. It also makes it impossible to dispute items online or upload information here : https : //www.experian.com/consumer/upload/
Collection Consultants is reporting a medical bill on my credit. I discovered it when I applied for a mortgage. I have never been contacted by Collection Consultants. They have NEVER made any attempt to validate this debt. They are not allowed to report on the bureaus until they have validated the debt per Fair Debt Collection Practices Act ( federal and state ). I had XXXX at the time and medical bills are 100 % covered. I confirmed this with the original medical provider. The original medical provider informed me there is no bill, that they just needed to correctly bill XXXX. I had coverage and I would have informed Collection Consultants that there was no bill but again. There was no effort to validate this bill. ANY medical bill from that time is disputed as I had 100 % coverage. I believe it also fell under the protection of my bankruptcy as the date of service is not XX/XX/2014. I believe that Collection Consultants is attempting to collect on a discharged debt.
I found a credit report entry earlier this year while attempting to get a mortage. I have no idea what this debt is for and the company has not provided a verification of the debt. At the suggestion of my mortgage officer since the amount was relatively low I offered to pay a settlement in exchange for this debt to be removed from my credit report. I never acknowledged that this was I debt that indeed belonged to me. Enhanced Recovery refuses to admit that they have received written requests for debt validation and ignored them. When I emailed the settlement offer that is when they finally responded saying they would get back to me after they check with their client. THis company is a total scam and has had many complaints submitted against them for their debt collection practices. I am considering taking legal actions.
I recently bought a vehicle, and I have received a couple of denial letters, from companies the dealer tried to use as loan options. I had a previous loan with XXXX, but received a denial letter for this particular vehicle. I found it strange, but as I looked into it further, I noticed my credit score was obtained from 3 different companies. XXXX, XXXX, and XXXX XXXX. I have only heard of two of the three companies, and two of the three companies have my credit score as XXXX or above, but XXXX does not. They have me at XXXX. I found this odd, and started researching a bit more into this company. This is where you come in. Many people have been filing complaints about this place and I feel it is only necessary I file one as well. I have not had any direct complication with this company, as I have never heard of them before. However, they are obviously affecting people like me in a negative way. I refuse to just sit by, and let unknown companies have any effect on something I have worked VERY hard at. Credit is not easy to obtain and maintain, and something like this shouldn't be taken lightly.
I had a IRA CD with TD Bank that was due on XX/XX/XXXX. I submitted the paperwork to have it transferred to another Bank on XX/XX/XXXX
The check was to be made out to the other bank and it should have been made on XX/XX/XXXX the day that the CD was due. We continued to check with the new bank to see if the money had arrived and was told no.
I went to the TD Bank on Tuesday XX/XX/XXXX to verify that everything was all set and the young lady told me that the account had been closed so I assumed that the money was sent. When the other bank had not received the funds by XX/XX/XXXX I went to the TD Bank in XXXX MA again on XX/XX/XXXX and spoke to XXXX XXXX at XXXX. He check the account and told me that the check was sent that day Aug 4th. He said that they had 10 days to process the CD which I understand is not correct. I have ten days to decide what I want to do but the bank needs to process it when they have the directions which was prior to XX/XX/XXXX.
XXXX was to call me on Monday XX/XX/XXXXto give me the check number and tracking number but he did not call. On XX/XX/XXXX I called XXXX and he then told me that the check was sent on XX/XX/XXXX.
I then talked to the Branch Manager XXXX XXXX about this and he got me the check number but no tracking number and he told me that the check was mailed on XX/XX/XXXX.
They also reduced the interest paid from 1.25 % to 0.75 % for the period form XX/XX/XXXX to XX/XX/XXXX
I still do not have the check and do not know why they did not process it onXX/XX/XXXX which is the federal law.
I also think that they did not send the check until MondayXX/XX/XXXX so that they could use my money over the weekend without paying interest.
I do not understand how they can break the federal rules with no impact. They claim that they did not break any rules. I now must wait until the funds arrive in the US mail before I can roll over my IRA.
Bottom line is that TD Bank is not following the banking rules and taking advantage of their customers.
Received a collections notice, with no info other than a doctor I 've never heard of named. No date of service, no anything. I spoke to XXXX who was extremely rude and said she ca n't give me any info, that I need to pay {$42.00}. I have paid ALL of my medical bills, and on time. She refused to give me any info on WHAT this bill is for unless they send me 'promise to pay ' letter which means Im then 'on the hook ' to pay this and agreeing to pay it by asking for info in writing?! Very concerning!
The debt reporting company place this collection on my record years ago despite notification that it was not a valid debt. They have now updated it again to look like a current debt. This from 2012 and is the result of an accounting error between XXXX and XXXX when they changed over accounts during the transition from a sale of their business. I have disputed this repeatedly with this company. Is n't there some law that keeps them from reporting a debt like it is new to create a maximum destructive impact on your credit rating? Do n't they have to report the truth?