WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off my loan in full on XX/XX/2017. I have repeatedly called and asked for my payoff statement or payoff letter to no avail. I even have gone to their neighborhood store to see if I can get a payoff letter or statement showing I have paid off to no avail. Once the account is paid off it is my right to get a statement or bill. They do not send you a statement whatsoever. They have a flawed system of errors and calling their customer service gets you nowhere. I have had other installment loans and they all have sent me timely statements and letters via mail and/or email. Their motto is " you deserve it '' and yes to the XXXX you deserve to be misled. Someone needs to investigate their business practices as they are in clear violation of fair credit billing act and by not providing any kind of statements or bills they are taking away a very integral part of consumer protection.
I have recently found a collection from you on my credit report. Under my rights under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt with the creditor and balance listed below : Medical Facility : XXXX XXXX XXXX XXXX Balance : {$37.00} Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to the above medical provider to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, CA XXXX CU XXXX
Tried to dispute through credit bureaus and collection agency, illegally said debt was verified. Originally removed from  XXXX  credit report on  XX/XX/2017    then added back on  XX/XX/2017   . This action was a violation via FDCPA and FCRA for not giving me a  5 bu siness day notice that it will be reinserted on my credit report. This action damaged my reputation and credit score/report. Collection agency has failed to provide me with original documentation from original creditor with my wet ink signature. Copies of copies does not validate proof of debt owed. Original documents without my wet ink signature does not validate proof of debt owed.
We had been using Keybank since our XXXX started XX/XX/2018. We had for convenience created a relationship with XXXX on our website. We had our first big event XX/XX/2018. We used XXXX " swipe '' for our evening of food, entertainment, auction, and raffle. The next day when we attempted to access our funds we were met with " unusual activity account is locked ''. As you can imagine we  were shocked and amazed that our funds we needed for entertainment, vendors etc. was being held. We had never had funds held by XXXX before. I immediately contacted Keybank to inform them of the problem and they proceeded to charge us over {$800.00} in overdraft fees. The problem was not solved for 2 weeks and Keybank continued to charge us over and over again overdraft fees. We complained to the manager, he said he spoke to his higher-ups ... nothing was resolved and they did not reverse the funds taken. We are now complaining to the Executive Team of Keybank in XXXX Ohio. We made a complaint with the Attorney General of Washington they did get to XXXX for us. XXXX continues to state they did everything right. We are stuck between two giants and we are a small XXXX. We believe that we had no negligence and no fault on our behalf. We do not understand how a bank can justify benefiting from a customers unfortunate circumstance. We would like you to approach Keybank with this problem on behalf of XXXX XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX
I 'm writing to you about dispute the following information that the XXXX XXXX XXXX, AZ. provided to the credit reporting companies. The information is incorrect. I do n't have a tax lien against me. Here is a copy from my credit report showing that I have a tax lien against me, and showing on my credit report. I 'm requesting that they remove from my credit report companies such as TransUnion, XXXX, and others now. I have information supporting my position. My credit score drop more that XXXX points for this error.
As of XXXX/XXXX/XXXX, I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX. to submit a complaint to CFPB indicating that my second mortgage SLS ( Specialized Loan Servicing LLC ) at XXXX XXXX XXXX in XXXX, CO XXXX either release me from the debt which is charged off or written off the books, or put back on books, which is preventing me from getting assistance through the EMAP Federal Loan program under CHFA, I was approved on XXXX XXXX, XXXX and provided all my documentation needed. Then on XXXX/XXXX/XXXX because SLS would not give a settlement amount or put my loan back on the books, I was denied. I receive a statement every month but it does not show the XXXX figure going down or the amount I have paid decreasing the loan. There is a past due amount but nothing indicating what has been paid on loan especially since I have had them since XXXX, a loan that started at XXXX is now up to XXXX. Original payments of XXXX in XXXX for at least 5 years until I lost my job and payments started at XXXX, monthly. XXXX XXXX was my loan servicer before SLS so I need clarification in writing indicating the balance owed. Thank you in advance for your help.
I went in today to redeem my rewards points on my Elan Financial Services credit card. I had enough to redeem {$170.00}. I was unable to redeem this online and called in. The rep said that my account was closed by collections. I asked how this was the case since I have always been on time with payments and my account is at a XXXX balance. After 40 minutes on the phone with them and being blamed for it all I was finally informed why. They said correspondence, likely marketing, was returned to them in XXXX that they mailed me in XXXX. This one piece of return mail forced them to close my account. The first person I spoke with said they had been receiving " all kinds of return mail '' from me. The manager later informed me it was only once. The acknowledged that they had since successfully sent mail to me and I had made payments and purchases since XXXX. Since my card was schedule to renew in XXXX and they received the return mail XXXX they decided in XXXX to close the account. I had this account for three years and was never late. I asked to see where in the cardmember agreement it states their ability to do this and they had no answer for me. The could mail me an agreement and it would takes weeks to receive one. This can not be accessed online. They say the only resolution is for me to write a letter to them asking to reopen the account. I would need to include all of the information that is requested on a credit application so they can evaluate and then decide whether or not to reopen the account and whether or not they will pay me the {$170.00} cash value of the rewards points I earned.
I had sent two ( 2 ) Certified letters on XX/XX/2018 and XX/XX/2018 to XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX requesting them to send me a " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. Never heard from them nor gotten any correspondence back from them. Instead, I noticed that they had indicated on their remark section for XXXX  that " Account information disputed by consumer, meets FCRA requirements ''. XXXX and XXXX had not been reporting said collection account anymore. Since XXXX failed to produce requested documentations, I simply want them to completely remove said collection account. If needed, I can submit said copies of above mentioned Certified letters with respective return receipts. 
Lately, it seems like Resurgent Capital Services had join the fracas of sending me notice of trying to collect on the same item without involving any of the credit bureaus. 
Presently, only XXXX  is the only one still bearing said collection item.
I was recently charged {$74.00} on my Navient loans. The transaction detail only says " Rebate Reversal ''. The other thing is though this was a total of {$74.00} it oddly appears as {$30.00} on one loan, {$30.00} on another, and I ca n't even find where the other {$14.00} went. 

I called Navient to talk to them and ask them about this. This was 15 days ago. The person I talked to could not tell me what this was, why I was getting it or where it came from. He did some digging. It said that it looked like I failed to pay one of my loans on time. However, we both went through my transaction history and not only have I always been on time I make multiple payments a month in order to keep interest to a minimum. He said it does appear to be though a violation of an agreement. Which I asked, What agreement, he did n't know. I asked what other loans on my account had an agreement, which again he did n't know. He told me he needed to submit this to somewhere else and they would get back to me within 14 days. I have yet to hear from them. 

The only thing that I can think of remotely of me missing a payment would be XXXX of 2016. This is when Navient upgraded their website and corrupted thousands of peoples student loan information. I could not log in to the website, I could not make payments. I called multiple times, which they should have on record. Every time I was told that I would not be charged any penalties for this because the problem was their fault. They still to this day do not have the new website up and running and I have to go to the old one to do things. Which again, if this outage on Navients side back in XXXX is the reason for me getting charged this rebate reversal, then I should not be charged for Navients mistakes. 

What I want : 1 ) Why was I changed this rebate reversal? 
2 ) What other loans have some sort of agreement? 
3 ) If this was because of the website outage and Navient 's corruption of customer data, then this is not my fault and the money should be refunded.
I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed
1. harassing phone calls sometimes every two minutes,2.Talked to Three people once and answered questions for up to ten minutes. transferred to another person. Same questions. Transferred to third person. Same questions. 3. One phone conversation I was offered plan to pay {$5.00}. monthly for nine months and have account transferred. I agreed and asked for paperwork to verify this but they refused. 4. finally they e-mailed me a payment application which did not match the offer given me. 5. I got five different phone numbers for them and a couple different addresses. I was instructed to mail payment to XXXX XXXX XXXX XXXX GA.6. I XXXX one phone number and found numerous complaints. I XXXX bbb and found over 25 complaints where they harass, overcharge and bill and garnish for bills not owed or paid off. Reading their responses they appear to have a script for some answers and they also deny some actions and deny responsibility for others. They are slow to respond. At least one written response I made states they use scripts and I was refused a copy read to me concerning the offer made to make monthly payments..7. They charged me over {$850.00}. for two years and another bill they charged me {$130.00}. for one year.8. I do n't know if I can trust the above XXXX address and another at XXXX XXXX XXXX XXXX, TX due to all I have read about Credit Adjustments.9. My last dispute with them they said they would send a copy of my promissory note. They did and it had my name typed and not hand written.10. On checking the complaints filed with bbb.org, one dated XXXX/XXXX/17 states Credit Adjustments uses three different addresses using US Dept of Ed. I would like to settle my student loan debt but with a honest, trustworthy business. Preferably with the US Dept of Ed directly. 11. I think it was the last phone conversation they said they know I have a debit card. 12. I have paperwork but ca n't upload it here.
I have a a unverified account from PLAZA SERVIC. I had previously disputed this account. I have never done business with PLAZA SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I was a victim of bank fraud and was unable to make any payments on any accounts for several months. I never received notification that this debt was going to collections until it hit my credit report. I immediately contacted XXXX to make the payment because it was finally resolved through my bank. XXXX stated on that call that they would remove the debt from the collection agency. the agency is telling me that they can not remove ( delete ) the negative collection report from my credit report.
My complaint is about unfair business practices and credit reporting by a Pay Day Loans that I have never borrowed from. I have sent these companies letters disputing these fake charges and requesting validation of these claims. letters sent certified mail. XXXX XXXX XXXX letter was Returned undelivered, no response from the other XXXX companies. Yet, these companies are still reporting negative information to all XXXX of my credit reports ( XXXX, XXXX, XXXX ) ; under XXXX different names ( XXXX XXXX XXXX {$140.00}, charge-off ; LVNV Funding LLC, {$6500.00} ; XXXX XXXX XXXX {$2600.00} ) and charges.
I take VERY good care of my credit score and monitor it weekly. There are two HARD pulls on my credit, neither of which I authorized or had knowledge of. One, an online retailer - XXXX XXXX that I've had an account with for over a decade, with charges usually less than {$100.00} and which I have attempted repeatedly to get them to remove this hard pull, to no avail and the other from XXXX, a network cable company that I do not have, have never had and certainly NEVER allowed to do a hard pull on my credit. 

I wish to have both of these removed from my credit report as they are both without my permission or knowledge. I did not request credit from either of these businesses, and I have since cancelled any association with XXXX XXXX. A hard pull must be by permission of the individual ONLY and us usually reserved for large purchases only. 

I've done my homework and neither one of these places are working within the law in this instance. 

Thank you, XXXX XXXX
Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a XXXX.
I was speaking with Quicken Loans about requirements for a Mortgage Loan, and did not authorize a credit inquiry. However, my credit report was ran without my approval. I consider this fraud and identity theft. I then called back to ask why they did that, and was told by XXXX XXXX of Quicken Loans that they had 'permissible purpose ' if they had my social security number and date of birth. I told them that if anyone had my info they still needed my approval to do anything with it,. I would like to report this agency as willfully misusing my identity and would like to press criminal charges and file a civil lawsuit against Quicken Loans.
I leased a XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. Instead of including the XX/XX/XXXX XXXX in our chapter XXXX bankruptcy we agreed to a reaffirmation agreement with XXXX now Ally Financial. The reaffirmation agreement was signed by my wife, myself, and a representative of XXXX. Our attorney submitted the documentation to the courts on XX/XX/XXXX. I  appeared in court on XX/XX/XXXX for the order on the reaffirmation agreement. The amount of the debt to be a reaffirmed was only for the remaining payments due on the lease which matured on XX/XX/XXXX. The judge approved the reaffirmation agreement on XX/XX/XXXX. All parties were notified by the courts. The XX/XX/XXXX XXXX was then returned to the XXXX XXXX XXXX in XXXX XXXX, Nevada in XX/XX/XXXX to the original creditor and the lease was complete and finished. The bankruptcy and final decree were completed as of XX/XX/XXXX. The XX/XX/XXXXXXXX was not included in the bankruptcy due to the fact that the reaffirmation agreement was approved by the judge. 
XXXX is reporting that Ally Financial included the XX/XX/XXXX XXXX in the chapter XXXX bankruptcy and is also reporting recent activity on the account. This is illegal and against FCRA regulations. It has been well over seven years since the reaffirmation agreement was approved by the court. My bankruptcy attorney called Ally financial and spoke with a CC on XX/XX/XXXX to try and resolve the matter and was told that they did not have to change anything if they did not want to. 
My wife called Ally financial on XX/XX/XXXX and spoke with XXXX. At first he could not pull anything up in their computer system about this account. He placed my wife on hold. Once he got back on the phone he told her that Ally Financial did in fact have all the court documents including the reaffirmation agreement along with the judges approval of the reaffirmation agreement. He proceeded to tell her that unfortunately the people that handle these cases had already left for the day. XXXX then admitted that Ally financial is reporting it wrong and that he would have someone from the department that handles such a thing change the coding and correct the information being reported incorrectly. This has been going on since XX/XX/XXXX with nothing being corrected. XXXX did admit that the chapter XXXX bankruptcy notation needed to be removed. He thought perhaps maybe it should be deleted entirely due to the age of the account. XXXX informed my wife that someone from the department that handles this would correct the coding and he would put a rush on it so that the credit bureau would be notified as soon as possible. 
XXXX has also not done a proper investigationXXXX XXXX needs to look at all the court documentation and notifications from the judge and report this account as not included in the bankruptcy or delete it altogether. Again a violation of the FCRA regulations.
Experian Date : XXXX XXXX, 2017 Report # XXXX My address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are or no my address as stated by Experian this is an apartment building with numbers after the address not just XXXX XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX Please remove there not my address Experian has wrong information and collect improper address. 

all it is multiple address that do n't are not right and information in error
Midland Funding LLC attempted to sue me for a credit card debt. During the discovery process, attorneys for Midland Funding LLC determined they were unable to prove I own this debt and the case was dismissed in XXXX 2014. Midland Funding LLC has continued to send me letters demanding payment of this debt for the past year and is still reporting it on my credit reports.
The credit reporting agency, Equifax, announced on XX/XX/XXXX that a hack has impacted my credit history
Afni collection agencie for XXXX XXXX XXXX for the amount of {$140.00} showe 's on my credit report as negative i do not owe this money as we have had XXXX XXXX XXXX XXXX for years an it has always been under my wife 's name we have never been late they are still our provider .Would like to have this removed from my credit report .I know that this company has been reported before of trying to collect from people that do not owe an as being a ripoff
We received an email from our credit card company, Capital One, on XXXX/XXXX/16 Friday asking us to confirm recent purchases. We called on Monday, XXXX/XXXX/16 to confirm, and they said it was too late, that one of our merchant 's systems had been compromised and they may be collecting sensitive account information, so they were turning off the credit card. We asked which merchant, and they would n't tell us. We asked them to please not turn off the card because it is used for business expenses, but they said they could n't do that. They said they would send us a new card. We have waited two weeks, and still no card. Today, XXXX/XXXX/16, Monday we called to ask what the status was. They said the card was still in effect, but had just been labeled to restrict use. They never told us a new card was n't coming in the mail. We asked them to turn the existing card back on, and they finally agreed to that. Two weeks ago we asked them the same thing, and they would n't do it. This has caused an interruption in our ease of business, as the owner of the company has not had his business credit card to use for the past two weeks. Very disappointed in Capital One 's lack of communication and lack of customer service to service our needs.
XX/XX/XXXX - I was informed by an apartment complex that I was applying to that my apartment application

was denied due to CoreLogic reporting that Fair Collections and Outsourcing collections agency has listed me as owing them over 3,000 $ in outstanding debt.
XX/XX/XXXX - After calling Fair Collections and Outsourcing four times, they have informed me that my social security number is listed in their system as being connected to someone elses name and birthday. I informed them that that is incorrect and that is my correct social security number, and no one elses. The company told me there is nothing I can do to verify this and they will not tell me any way to fix the situation or give me the information of the organization who sold this debt to them as being connected to my social security number. They told me it is possible that someone else has my same social ( which is impossible, and also untrue - i called the social security agency and verified myself. ) They constantly interrupted and raised their voices to me, even after asking to speak with a supervisor. This is causing me to lose an apartment when I am supposed to be moving across Texas in 5 days.

I have filed a formal identity theft report with the FTC and yet still, FCO refuses to give me information such as the name of the company stating that I owe them this debt.

I also would like to note that this debt is not present on any of my 3 credit reports, further showing that it is not my debt.