WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to file a formal complaint against XXXX  XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
The case subject : I was charged with a Student Loan without a valid Legal Document as a proof.The charge was made through a series of very intimidating home phone calls.The year : around XX/XX/XXXX. After my Graduation from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ( the year XX/XX/XXXX ) I paid two left Student Loans with monthly payments up to XXXX .After this date I was free of debt to XXXX XXXX XXXX XXXX or other Financial Institution. During all the school years my fees and tuition were paid through Grants and Awards Letters received every Semester.As I mentioned above the sudden and unexpected phone calls started around the year XX/XX/XXXX from people from American Student Assistance implying I have a Loan to pay, a Loan I knew nothing about it. What fallowed was a series of disputed and very frustrating phone calls and incriminated letters which went on for years. As a result in the year XX/XX/XXXX my family Federal Income Tax Return started to be collected by XXXX XXXX, a Collection Agency and they keep collecting our Tax Return every year up to present time. Some time ago I was sending a written Complaint to Consumer Financial Protection Bureau explaining my case with more details. The Complaint number is:XXXX and the date submitted to CFPB : XX/XX/XXXX XXXX Product : XXXX XXXX.
Focus Financial Services agents have been multiple harrassing and threatening phone calls claiming to represent XXXX Hospital about a debt that as per my insurance company which has informed XXXX Hospital both verbally and written letter that their client ( myself ) do not owe for any excessive charges on services rendered on XXXX XXXX, 2014. All payments have been made in full.
On XXXX of XXXX I have noticed a debt had been added to my credit report in XXXX it state it was opened in the state of Ga, I had contacted the company but was n't very much successful in getting the problem resolved. XXXX XXXX, XXXX I sent the company a certified HIPPA letter for them to verify this debt that they claim I owe. I gave them 30 days to respond I have not received anything to verify that this debt is mines. It is now XXXX the XXXX XXXX still no verification. By law if they ca n't verify that this is my debt it must be removed from my credit report.
I was shocked when I received my credit report and found a late payment on the date below.
Creditor : XXXX Account # : XXXX I was never late 30 days in XXXX 2015. I am not sure how this happened. I have always made my payments on time. My only thought is that there was a billing error with my statement.
Experian does not answer the phone, has not removed the erroneous and perhaps fraudulent info from our credit report. We are a small, family-owned XXXX XXXX. Our company name is XXXX XXXX XXXX XXXX. We live & work from home. Our shop is on our property and has been for over XXXX years. We are the only XXXX XXXX & XXXX for miles around and certainly the only one in XXXX, TX. Experian will not return my calls. I have emailed XXXX times with exact details of the problem and I keep getting letters that say it 's resolved. It is not. We are still listed twice on a business credit report search. The wrong info lists our address as that of our XXXX competitor who has been out of business over a year. The property taxes for 2014 for our competitor 's property are in arrears and I have been told by our mutual vendors that they were never paid by our competitor. XXXX denied our credit app because of Experian 's reporting. Experian keeps telling me to " resubmit again. '' After posting my story on Experian 's XXXX page, I finally got a real human in the personal credit reporting department that is trying to help me. He is even having a difficult time with the Business Credit department of Experian-his own employer. XXXX XXXX XXXX XXXX has never owned, rented, worked from the property at XXXX XXXX XXXX, XXXX, TX. Several years ago, someone claimed our online profile so that when you searched online for XXXX XXXX & XXXX you got the phone number to our competitor at XXXX XXXX, XXXX, TX. I finally fixed that but it took years. We were denied credit by XXXX because of Experian 's false information and Experian will not return my calls and repeatedly sends form letters to me saying that it 's fixed. A quick search on www.experian.com reveals that it is not fixed. No one has called me back except for XXXX in the personal credit area, who saw my post on XXXX and is trying to help me. We have excellent credit. We work extremely hard doing XXXX work in the Texas heat. We pay our bills on time and mostly in-full. The other XXXX reporting agencies are not reporting the wrong info. XXXX with Experian just told me that they have pulled a credit report on our name with our competitor 's address. I can not get the report unless I pay them money. The building at XXXX XXXX is vacant and for sale. The property taxes are in arrears. I just need our name completely disassociated from that address. Please help. Experian Business Credit will not help me.
Received a call from this collection company on my daughters phone. How they got her number, i have no clue because the original creditor doesnt have her number. XXXX XXXX calls me about my account with XXXX. Now mind you, i have been corresponding with them since I got laid off in XXXX. I end them updates every few weeks to let them know the progress of my unemployment application. I have sent them copies of everything as well as original documentation from my former employer. XXXX XXXX stated they mailed me a letter on XX/XX/XXXX to my current address and I informed him that i never received anything from them. He had all my personal information and stated he was calling to see how i wanted to move forward in resolving this matter. I told him i have been unemployed for 5 months and i am looking for employment. I am behind on my mortgage and other bills so this bill was not my full concern at this time. Securing me a place to stay was more important than this bill. He said i was approved for a " hardship '' application and i asked him for documentation to show the legitimacy of this company, the hardship application etc. He stated he would send me a confirmation email once i set up a payment arrangement. I gave him a pre-paid debit card that i no longer use to see if the company is legit and when i looked up the information, they are known for defrauding people and collecting information once a company sells the debt. I contacted XXXX XXXX company to question them about this and they told me they had sold or settled my account because I have been making payments and corresponding with them as well as giving the legal documentation from unemployment and my former employment. The balance the guy told me was incorrect as well and he even said I have been making timely payments but then everything stopped. Thats where the red flag went up. I have filed complaints with the Ohio Attorney generals office, consumer finance and I am filing a police report as well because they are trying to get over on me and I still havent received a confirmation email or documentation to validate this company and or account and i have not received a contract of anything either. I called our local phone companies to have them blocked and reported this company for harassment since they phished the internet for my daughters phone number. 

I have also alerted all 3 credit bureaus and Consumer internet crimes along with the internet crimes department of the FBI. A company similar to this did this very thing just a few months ago and took everything I had. I refuse to go through this again.
I went to Experian to get free credit report and paid XXXX for the credit score. The condition that if you do not cancel in XXXX days you will be charged a monthly fee was not placed front and center and instead said free all over the homepage for using this service. However hidden in the terms and conditions which is a XXXX word XXXX hours read, right in the middle of the terms is where they say that it is free for XXXX days and you will be billed after that if you do not cancel. I feel this is misleading and needs to be placed in the front of a consumers application. Many of the terms and conditions are not even understandable unless you are a lawyer. I called Experian and they said that I can not get a refund. I only wanted a credit report and score for me any my wife and it costs us XXXX in the end for no service we needed.
My credit was perfect! I'm in the process of buying a house in discovered that XXXX  is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX  and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.
Their is an eviction coming up on my record that is preventing me from renting an apartment. This eviction was from  XXXX  and it was ordered by  a Judge t o be dismissed and the files to be sealed on  XXXX   XXXX ,  XXXX . This eviction is still coming up on my record and I am homeless with my kids because no one will take the legal documents that I have regarding this case. In order for me to rent an apartment.
I recently checked my credit report and noticed Debt Recovery Solutions , LLC reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.
I contacted Financial Account Services on XXXX/XXXX/XXXX to pay off an account originally through XXXX to XXXX. I was told the account would be deleted on XXXX/XXXX/XXXX. When it was not, I called back and they stated they report on the 1st of every month. 3 weeks later and there is still not a change. I called Financial account services and spoke with XXXX who was very rude and told me I need to figure it out on my own. I asked to speak with someone higher up and was transferred to XXXX in the legal department who told me they do not do deletions and do not have a certain day that report to the credit bureaus, that is done randomly. I believe this to be a lie. I 've never dealt with a company that does not have a specific date they report. A month later, even if that was true, my account is still showing a balance of {$340.00} which is also incorrect.
I have contacted Carter Young many times to inform them that the account that they are reporting on my credit file do not belong to me. I have submitted Fraud Affidavits to them and they still refuse to remove this account. I have no obligation to pay them for this debt. It is not mine and I have never open an account with them or any other facility in regards to this debt. Please assist me in getting this debt remove from my credit file.
I had an account with XXXX XXXX XXXX that I paid on time monthly. Once I turned the car in, I submitted the final car payment. ( Final payment in XXXX- paid twice that month ). I was subject to fees ( over mileage and disposition ) which I ultimately paid as well but were not part of the revolving payment. 

XXXX reported to credit bureaus that I paid my monthly installment late and that I settled for less than the amount owed- both inaccurate. I can not get someone at XXXX to speak with me about this.
On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.
I am the victim of identity theft. I disputed an account wrongfully reported on all three of my credit reports multiple times with each of the Credit Reporting Agencies and the creditor directly. I have previously provided police reports to substantiate my claim. Each time I receive a canned response : " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. '' Yet the CRAs nor the creditor provide documentation *proving* they validated the information, despite my including a copy of my police report when I disputed the account.
I received an email saying that my credit score had changed so I looked at my credit report and it showed a online bill pay alert ( unpaid ), an XXXX XXXX XXXX XXXX XXXX XXXX  company ( again unpaid ) and a XXXX XXXX XXXX company ( yet again unpaid ). I applied for a loan in XX/XX/XXXX through the a credit union and was told ( and received a letter to effect ) that I had absolutely no credit ... neither good nor bad. Now in the span of months I've got bad credit when I never  apply for anything. Ever.
I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of Ability Service Recovery. I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against   XXXX   and the creditor because it 's an error and it 's a fraudulent account.
I paid off my synchrony bank XXXX account in XX/XX/XXXX but they have not updated reflecting my account balance is {$0.00} and that I cancelled this account. 

Each time I review my account it shows open with a balance as if XX/XX/XXXX. If I was late paying on my account they don't hesitate to make that update. 

I have for 5 weeks trying to get them to show I owe them nothing. 

I spoken to customer service representative and managers to supervisors. 

Clearly admits I don't owe but they have not updated this information when they share with others.
RE : CBE Account # XXXX XXXX Account # : XXXX Account Owner : XXXX XXXX To Whom it May Concern : The collection of this debt is related to the return of a mobile device to XXXX XXXX ( " XXXX '' ). I obtained a new mobile device pursuant to the terms of warranty agreement related to XXXX Account No. XXXX and was instructed to return the defective phone to XXXX. This account has now been closed, but I am still a XXXX customer under another account number. 

After confirming the address for the return with XXXX, the phone was returned to the XXXX XXXX XXXX XXXX in XXXX XXXX, Texas via XXXX XXXX, Tracking No. XXXX XXXX XXXX, and was delivered on XXXX XXXX, XXXX at XXXX XXXX. The XXXX XXXX label and tracking information can be provided. 

Wanting to allow for time for the return to be processed, on XXXX XXXX, XXXX, XXXX was contacted directly to confirm that the phone had been returned and that the account balance reflected that {$0.00} was due. I was informed that since his account was in collections, I had to communicate with the collection agency handling the account. After contacting XXXX XXXX XXXX ( Acct. # XXXX ), I was advised the account had been transferred to another agency, XXXX XXXX ( Acct. # XXXX ). A representative from XXXX XXXX advised me they had no record of the phone being returned and that it may take additional time for the XXXX records to reflect that the phone was returned. 

No additional correspondence from any collection agency has been received since a statement dated XXXX XXXX, XXXX from XXXX XXXX. Thereafter, I began receiving telephone calls from unknown numbers, but was not left any voice messages. I discovered one of those calls was from CBE Group after I called the number back with my fiancee on XXXX XXXX, XXXX. The above scenario was explained via phone and I was instructed to send a written letter disputing the debt. That letter was sent via regular mail on XXXX XXXX, XXXX and no response has been received. I verified via an online account today that this debt is still with CBE Group and an outstanding balance is still owed. 

The debt is being disputed since the phone was returned. Ultimately, CBE Group is attempting to collect a debt that does not exist due to the circumstances explained above. The phone was returned to the address as was instructed by XXXX.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
After twice writing to XXXX and Equifax asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named XXXX XXXX XXXX XXXX in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought XXXX and Equifax were suppose to physically verify alleged debts before reporting.
I attended XXXX college but did not get to finish schooling there. The college was shut down due to fraud from XXXX colleges. I never finished school and i feel i was robbed of money that is effecting my credit severely. I live in a new state now and do not live at the same address obviously. I sent in papers to the XXXX XXXX XXXX XXXX XXXX and never got a response. I have no transcripts nothing at all left everything was lost in the move to a new state and have no idea how to get ahold of them. Thousands of students got their loans forgiven and i shouldnt have to pay mine back not even having a XXXX XXXX to show for my hard work at XXXX college. I need contact information so i can take care of these student loans.
I have a BB & T Money Account and utilize this account to pay my bills. This account does not go into overdrafts and you are unable to utilize funds that are not in the account. On XX/XX/2018, I check my account balance and I had a balance of {$200.00} plus change. I utilized my card to make a XXXXXXXX XXXX   purchase for {$19.00} on that day which posted on XX/XX/2018. I additionally performed another transaction for {$180.00} by visiting a BB & T banking center location and making an ATM withdrawal. On Thursday, XX/XX/2018, I checked my account and there was an overdrawn balance of {$190.00} and some change. How is that possible when there are no overdraft fees or the possibility of overdrawing on this type of account so how am I able to utilize funds that are not there. With this card, you can't even purchase gas at gas pump to avoid overdrawn balances. I reviewed my account and there were no unknown credits or deposits credited to my account. I reached out to the BB & T and inquired as to why I was overdrawn. They basically repeated my account activity but could not answer as to how I would be over to overdraw this account if the funds were not there. As I previously explained, I had an available balance of {$200.00} when I checked my account. BB & T couldn't answer as to why and submitted a problem resolution ticket. Every time I reach out to them for the resolution of this matter, I am only told that it is in review and they do not have an answer as of yet. Due to this bank error, I have experienced financial hardship and I feel as if they are not addressing my concerns because when my employer 's direct deposit credited my account on XX/XX/2018, it was {$190.00} preventing me from paying my entire rent which would have been possible if my account was not overdrawn when it credited my account. This is unjust and completely some type of error by BB & T which they are unethically failing to accept as their fault. This situation occurred soon after the big national news of their system failure that affected me as well. When that incident occurred, I didn't receive my payroll direct deposit for 2 days after the scheduled date.
Negligent, the dealer fraudulently signed contracts on my behalf to set payment dates. XXXX is the dealer and American first has done nothing to help me resolve this. I 'm taking XXXX parties to court for violating California XXXX consumer laws.