WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX and Midland Funding are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.
I have disputed this debt with   XXXX   XXXX   XXXX   and debt was dismissed as they were unable to validate account belonged to me as I have been victim of identity theft. It seems as if  Franklin  has obtained the debt, despite it being previously dismissed and account was closed. I have not received any notification fro m Franklin  nor validation of debt.
For three months now I have had to call XXXX XXXX XXXX XXXX because they had a late fee on my account that wasn't accurate. After speaking with them it was determined that because I was paying on the XX/XX/XXXX of the month, it was too early and the payment wasn't being applied to the bill, I worked out with the company that they would apply the payment that was early, that the late fee would be removed and the billing cycle was to be adjusted to allow a payment on the first. Well a month went by and i got another bill, same problem, nothing was done to fix the problem. So i called again and spoke to a supervisor, they ensured and promised me that the problem would be resolved, that the late fee would be removed and the due to the way that everything rolled that I did not have to make a payment in febuary because I was ahead due to the early payment, I followed their instructions, here we are again, another bill with a missed payment because they gave me bad information, failed to follow through on their promises and failed to accurately resolve the issue in the beginning, on the second occasion, on the third occasion, and now I am not dealing with them any more, I need this company reprimanded for this.
I last spoke to them on XX/XX/2018. I am trying to contact them to payoff the loan. I have called, no answer, and their website is down.I donot want to be charged extra fees. I have tried for 3 days. XXXX XXXX. is where I went online.
RE-INSERT ALL ACCOUNTS BACK ONTO MY XXXX OR DISCHARGE ALL DEBT VIA XXXX AND CEASE ALL CREDIT REPORTING OR BE SUED. FURNISH LETTER FROM XXXX, WHY?
was denied credit because all my mortgage payments were current / basic being denied for having good credit / but if you look at the wordage in the letter is to confuse the denial letter / when I ask him is a practice to denied XXXX I was quickly transferred to a supervisor and he apologize for the wordage and said he was going to look into the letter and why I was denied / no respond letter as of today /
Reported medical bills on all XXXX credit bureaus XXXX XXXX XXXX, and XXXX saying I owe them but I did not sign anything stating I owe them for the bills and the hospital where services rendered wrote the bills off.
Transunion is showing XXXX inquires on my credit report that I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the inquires have the date of X/XX/16. When I called Transunion on XX/XX/XXXX, the representative told me that I need to dispute it directly with the financial institutions. That 's not possible, because I 've never done any business with any of them.
I have one inquiry on my XXXX credit report by the following company : 1.  XXXX XXXX XXXX XXXX on XX/XX/2018. 

I do not recognize this inquiry and I am therefore disputing it with XXXX and XXXX XXXX XXXX.
I had already settled the Debt with XXXX XXXX, 2013 Authorization to XXXX XXXX XXXX, NY, Completed Details - {$250.00} XXXX Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XXXX XXXX, 2013 Authorized Amount : - {$250.00} XXXX Authorization Date : XXXX XXXX, 2013 Time : XXXX XXXX Status : Completed XXXX XXXX XXXX XXXX XXXX But PORTFOLIO RECOVERY SERVICES of XXXX XXXX XXXX. XXXX. VA XXXX Phn : XXXX XXXX XXXX XXXX XXXX is trying to collect the same debt again .... 
Says they bought it from company called XXXX
I paid my debt owed to Cach LLC XX/XX/2012 and recently received a letter from the XXXX county circuit court notifying me that they were attempting to garnish my wages. I called the attorneys office that was representing Cach LLC to explain that the debt was paid over 4 years ago and had all my documentation including the original debt collection letter with the settlement offer and a copy of my bank statement and cleared check from the company that indicated the debt had been paid. The attorneys office acknowledged that they could see the payment had been made, therefore Cach LLC was fully aware that I had made the payment that fulfilled the settlement offer and was trying to recollect on a satisfied debt. When I called Cach LLC today they told me it was n't their fault and they would take no action to correct my account, although the attorneys office that the garnishment was through agreed that the balance was paid in full in 2012 and is sending me a letter that represents a XXXX balance. My complaint is that Cach LLC owns my debt and I am trying to prove I paid a debt in full 4 years ago and what is going to stop them from coming after me again in another 4 years? This company contracted the debt collector that I paid my original balance to 4 years ago and cach LLC says that they assume no responsibility for the debt not being taken off my credit. This is completely unacceptable because if I had not kept all my original documentation I would have likely had no choice but to pay this debt twice. Also the current attorney admitted that they saw documentation that my settlement amount was paid in 2012 therefore Cach LLC was fully aware that I made the payment and were trying to charge me twice, this is illegal and fraudulent and they are taking advantage of me. They sent a wage garnishment to an employer therefore defacing my character because I in fact do not owe this debt. I do not want this company to get away with charging people twice for debts paid in the past and I strongly believe I am not the first or only person that they have done this to. Please look into this company because this is infirurating for me and I can not let this get brushed under the rug. My debt was paid and this company knowingly tried to take advantage of me 4 years later.
The Following Agency is not bonded in FL and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. 

Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
XX/XX/XXXX at XXXX was the first phone call from a Diversified consultants calling from phone number XXXX, calling my phone number looking for XXXX XXXX . I XXXX XXXX answered the phone and told the lady he doesnt live here please dont call here. Then XX/XX/XXXX at XXXX they called again from XXXX looking for XXXX XXXX this time I hung up. Then XX/XX/XXXX at  XXXX a lady called again from the diversified consultants this time from XXXX i told her XXXX XXXX Does not live here she said she would remove the phone number from the list. Next day XX/XX/XXXX XXXX am a lady called again this time from XXXX from diversified consultants. I said again he doesnt live here and hung up. Then at XXXX same day XX/XX/XXXX they called again this time I ignored the phone call. Just because I have the same last name as this XXXX XXXX does not mean that he lives here! I do not want them harrassing me for someone elses debt. I then called the number back twice at XXXX XX/XX/XXXX and used the automated system to remove my phone number from the list.
Between the periods of XX/XX/XXXX to XX/XX/XXXX I had purchased to vehicles and financed through Wells Fargo XXXX New and XXXX used. Through out the loan terms the subsequently on a monthly basis added and charged me for their own auto insurance even tho i had my own auto insurance policy on XXXX vehicles. This subsequently caused me be delinquent and not to be able to manage my loan payments and at different points each vehicle was repossessed even after attempts were made on my behalf to correct the problem and lower payments to no success. Eventually I was able to recover the new vehicle after paying thousands of dollars in payments and fees to be able to get it back and payed it off and finally sold it in XX/XX/XXXX. The used car tho i was not able to recover and they sold it at auction and billed me for an additional {$12000.00} which they claim was the difference and eventually i ended up paying to them to pay the supposed balance. I also had to pay taxes for the supposed losses they incurred on that vehicle to the IRS when i filled my taxes.
XXXX XXXX is reporting under the business name of XXXX XXXX to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. One of the incorrect items is a 30-day late negative mark forXX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with Mini Financial/BMW Financial to my credit report be removed immediately. 

Another issue is that Experian refuses to acknowledge that XXXX XXXX XXXX is also XXXX. 

Additionally, I've send documentation on the above items and more but this credit bureau claims to not receive documentation sent to them on various occasions. This has been extremely frustrating.
I voluntary turned the car in XXXX, BB & T bank charged the account off. XXXX later, they are still reporting it currently deliquent.
I received a loan from XXXX 8 years ago and was told that my co-signer would be released if I make 2 years consecutive payments. I made those payments and requested that my cosigner would be released but got denied. I 'm in a bad relationship with my co-signer-which happens to be my cousin- ever since.
I complained to you several months ago about this same issue. I went through the process of obtaining my report online. I went through the process, completed the form, answered the questions and this pops up. They need to fix the EQUIFAX website. the XXXX and XXXX websites work fine. Without a report number, have you ever tried to call one of these places? I rather chew my hand off. 
I was denied credit recently and I want to see the report. I would prefer they fix the website but, if they have to, then place a copy in the mail but, only as a last resort. It 's a waste of paper
I have a problem with Bank of America credit card service. I admit I made a large mistake. On XXXX XXXX I overpaid my credit card account by keying in an extra digit. This wiped out my bank account. Two or three days later I noticed my mistake and took action. Sine the incident Bank of America has repeatedly misinformed me about when my money would be returned to my account. At least twice they told me it would take the standard " 2-5 business days '' to process the refund to my account, and I have documentation to prove this. After 5 business days I did not see my refund so I had to pursue them further. During this round they told me it would take up to 10 days because of the amount of the transaction. Why did n't they inform me of that in the fist place? Now 10 days have gone by and still no refund. I have a " case manager '' and a number and an extension that gets me directly to a person. This person told me the refund was scheduled for XXXX today, XXXX XXXX. This has not happened. I am tired of them pulling my chain and I want my money returned to my account now.
Equifax is reporting 17 hard inquiries on my credit report, 13 of which were for  the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX- XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with Equifax today ( XX/XX/XXXX ), and they refused to help me.
There is an address showing on my personal information in which I 've never resided and I 'm very concerned. 
XXXX XXXX XXXX, NY XXXX
I was contacted by XXXX XXXX on XXXX/XXXX/XXXX. They stated that they were working with XXXX XXXX to consolidate my students loans and get me on a payment plan to have my loans forgiven. They had access to my XXXX XXXX XXXX account and information. They told me I had to sign up with them to get the help needed to have my loans forgiven. I signed up thinking that they were working with XXXX XXXX and going to have my student loans forgiven. They are charging me {$200.00} upfront and then {$49.00} a month for a total of {$1400.00}. I contacted XXXX XXXX, and I found out that they had never heard of XXXX XXXX and were not working with them on my behalf. I contacted XXXX XXXX to cancel the contract with them. They would not cancel it.
I 've been trying without success to talk to Western Union About my inconsistent attempts to send money by using their website. I 've been a customer of theirs for many years. Over the years I 've probably sent XXXX of dollars in money transfers over the Internet. The website will not handle my information. I get error messages it wo n't allow me to even complete the transfer. Transfer is not declined the website simply will not work to let me place it.
The CFPB closed out complaint ID XXXX. We want to know where Nationstar Mortgage got the unendorsed copy of the note that XXXX XXXX XXXX a/k/a Mr. Cooper uploaded to the CFPB web site in regards to the complaint number stated above. Nationstar apparently has an unendorsed copy of the note, as well as a fraudulently endorsed copy of the note. So, how does XXXX XXXX XXXX have both? This is fraud.
Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX  XXXX XXXX Texas XXXX XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX  XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX  XXXX Gave Us. Our Credit Has Been Damaged. 

Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX. 

My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies. 

I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. 

I Had Some Health Issues : Both XXXX  Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX. 
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt. 

1 Midwest Recovery Systems XXXX XXXX {$1500.00} 2 XXXX XXXX {$190.00} 3 XXXX   XXXX  {$610.00} 4 XXXX XXXX {$1100.00} 5 {$72.00} 6 XXXX XXXX  {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of Amp Security XX/XX/XXXX. 

Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was {$500.00}, Not {$1800.00} Thank You
I've been denied multiple times, forvmy personal loan when there is two names on one social security number. 

Federal fraud due to an clerical error & the XXXX data breach. 

This is corrupted process that wells fargo & XXXX has beeen negligence since XX/XX/18 My file is not accurate. 

Personal loan ID : XXXX
That account appear on my credit report XX/XX/2018, I am not aware of that account.
I realize that I have been victim of identity theft. 
An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
In XX/XX/2018, My credit score reported to XXXX XXXX by TransUnion was XXXX. During the month of XXXX, we sold a house which closed a mortgage, HELOC and paid off a vehicle. My credit score took a dive to XXXX in XXXX because we CLOSED 3 accounts. I contacted XXXX to discuss this, and they told me to contact a credit consultant to get my credit rating back up - I DON'T NEED a credit consultant to take out more credit - I need my credit score back to where it was prior to closing out my accounts. The fact that my credit score would fall 37 points because I paid off and closed accounts in which I owed over {$120000.00} is insane. No one will update my credit score.
I contacted XXXX XXXX  XXXX on XX/XX/17 to make a payment on an old account that was closed out with them. I learned that it was closed due to fraud which I had no recognition of. A XXXX  XXXX XXXX representative in their recovery department advised me that a letter was sent to Early Warning Services to remove the negative notation and that the money I paid was accumulated overdraft fees. I then contact Early warning a couple of weeks later and was advised that the bank only updated the account as paid, but still left the negative remark associated with the account. I sent in papers showing proof that I had no knowledge of what occurred with the account which is why I was advised that all negative remarks would be deleted but this hasnt been done. Ive been waiting to open an account and this is hindering me from doing so. XXXX XXXX XXXX is not complying and so is EWS ; both companies are sending me back and forth between the two of them.
Bank of America 's Collections Unit sent a NOTICE OF INTENT TO FORECLOSE ( NOI ) letter dated XXXX XXXX, 2017. They are trying to foreclose on my property.
My name is not XXXX. 
I never lived at XXXX, NY XXXX
I have been getting phone calls about a medical bill that is not mine they even told me over the phone ( XXXX ) that the name is not mine and i have noting to do with that name please make sure to take it off my credit report See old cfpb # XXXX With a different collection company with the same file
I was a victim of fraud. I did not apply for any credit with the company and I realized It was I looked over my credit report.
Aqua finance, XXXX and there investment banks are harassing my family again. The harassment had lessened for a while but recently on XXXX/XXXX/15 Monday the harassment started up again! These companies are being protected that 's why it 's so hard to bring them to justice. It 's a lot of money being passed around. Monday 's date has a major significance to our harassment case and for those families that have been victimized by these companies. I think your office knows what we are referring to, nobody is above the law and we 're glad our U.S. Government is cracking down on these crooked companies and politicians! Back to the harassment on XXXX/XXXX/15 in the back parking lot of XXXX XXXX on XXXX 1 of there stooges was literally stalking me his plate number is XXXX XXXX. While I was waiting to p/u my client he pulled up next to me and just watched me clearly trying provoke me. When I left for a minute, he left too and when I came back so did he. The only difference was he parked right behind me. When I started to back up to leave and p/u my client, there stooge backed up extremely fast at the same time clearly tried to wreck our car. If had succeeded I would not have been able to work! That was obviously there plan and they have been committing these types of harassment tactics ever since. These companies conducted these types of felony harassment tactics a few yrs ago and we relayed these acts to the Texas attorney generals office in our complaint letters. On today Thursday XXXX/XXXX/15 I was trying to type up a new complaint update and print it out to be mailed to your office and literally watched my email get deleted right before my eyes. All our complaints have been deleted and that 's why I 'm trying to go through your site again. The last XXXX times that I tried to submit a complaint through your site, I typed up a full complaint and got all the way to the end only to have my complaint blocked! We will not abandon our home and will not be forced to abandon our home. We will protect ourselves by any and all means! If and when our case goes to court, we will get all forms of media involved and that includes everybody that will listen! If your dept checks the camera at that XXXX XXXX back parking lot, you will there stooges come within a hairs length of hitting our car and they have been doing so everyday! We appreciate all your departments help but we wo n't stop until these companies are brought to justice!
On XXXX XXXX XXXX leading on into XXXX XXXX XXXX my Fifth Third checking account was overdrawn. During this time 5 very small transactions went through my account as verification of that account. These transactions were from XXXX and XXXX XXXX. I use these services to send money to my sons in college. The amount of these withdrawals were {XXXX}, {XXXX}, {XXXX}, {XXXX} and {XXXX}. These five small withdrawals total {XXXX}. Fifth Third charged me {XXXX} for each of the above transactions. So {XXXX} ended up costing me {XXXX} in overdraft fees. Oh and after you verify what the exact amount of the withdrawals are XXXX and XXXX XXXX deposit those small funds right back into your account! So a withdrawal for 1 penny cost me {XXXX0}! When I called Fifth Third the lady I spoke to said their system only allows the reversal/reimbursement of {XXXX} in fees  over the entire lifetime of the account. Seriously? I do n't think I believe that statement. So she did actually reimburse {XXXX} but where is the other {XXXX}? I 'm very upset about this matter and am seriously thinking about closing my accounts at Fifth Third and just moving all my money to XXXX XXXX banking. I 'm attaching photos of the transactions and all the fees added to my account. I 've never even heard of a bank that charges overdraft/return check fees on an amount less than a dollar. Oh and one more thing ... the lady I spoke to on the phone was very XXXX.
Unable to dispute charge. Called toll free number on card XXXX times. Each time after identifying myself, the recording recognized me and my phone number, and it accepted my " secret word '', it would say " we 're too busy right now to take more calls '' and just would give me a dial tone. So my CC company just hangs up on me when I 'm trying to do a dispute. So I called and after many questions and answers supplied to the automated system, finally I was able to get customer service. I could hardly understand the person, they had a very strong foreign accent and did not speak in complete sentences. They said the disputes department could n't take my call as they were overwhelmed with calls, and I would have to try again some other day.
XX/XX/XXXX XXXX XXXX payment XXXX XXXX XXXX XXXX both were taken out with a positive balance on XX/XX/XXXX got email from Webster bank saying in sufficient funds but account showed positive balance
Good Evening, my issue is with XXXX XXXX XXXX XXXX XXXX Ive gotten several letters from the company stating that they need to hear from me or they will pursue legal action. After doing some research i noticed on their website it states that they actively seek XXXX XXXX military members and will seize all collections towards them. Ive contacted that company multiple times and always get directed to a number that always goes to email. They always tell me to just leave a message and they will return my call. This issue has been recently come up in a background check for my security clearance but i get no response from the company.