WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 your Inquiry Resolution Specialist, XXXX XXXX, sent me a letter. This letter was XXXX XXXX XXXX attempt to validate a date. The said debt belongs to XXXX XXXX XXXX. The debt is not theirs to collect from me. 

The company went further on to send me a bill from XXXX XXXX XXXX that outlined medical procedures that had taken place. We BOTH know that is an automatic HIPAA violation. The company went even further as to present a document that could be used as a contracta contract between XXXX XXXX XXXX and XXXX XXXX. Unfortunately for the agency, the contract does not include XXXX XXXX XXXX. Also, the signature is not mine-at all. Each credit bureau has a copy of my identification and ssn card ( which includes my signature ). 

Due to the recklessness on your XXXX XXXX XXXX part, I have reported them to the Office of Civil Rights for their HIPAA violation. I have also reported them to the BBB for misrepresenting their actual power. XXXX XXXX XXXX is currently banned from collecting in the state of Illinois -- which is my current residence. Also, since this agency is responsible for the only collection any of my three credit reports, their false reporting has caused me undue damage.
My finace XXXX XXXX referred me to get a credit card from her bank Wells Fargo. I called in and got denied for the unsecured credit card. I proceeded to fill out the application for an secured credit card with XXXX XXXX XXXX and after I listen to the disclosure about the card, my phone ended up powering down. XXXX XXXX submitted the credit application without my consent. Being my phone powered down, we never reached the point of the submittal and there was additional information needed. My fiance XXXX went to XXXX and her card declined. She looked in our savings account and found that I was indeed approved for a secured card and XXXX was taken out of our savings. XXXX XXXX never mentioned on the recorded line that funds had to be available up front. In fact there was no conversation at all concerning how payment would be made if I was approved. Yet, he took it upon himself to submit my application while I was offline and snatch the money from a joint account without my permission. I have called the bank several times and no one can give me a reason why he would submit the application and take it out of my joint account with XXXX. XXXX talked to a supervisor from Texas on XXXX/XXXX/2015 and was told that if a customer is disconnected from the line the application ceases and that it was violation. It has been an inconvience to my family all because someone wanted to make a number or meet a quota. XXXX XXXX stole from my family and all I can get is that it takes up to 60 days for funds to return. Hard earned money that XXXX and I worked for cant be returned until 60 days out. We were promised XXXX XXXX/XXXX/2015 or XXXX/XXXX/2015 from a banker that we would have the funds. Today is XXXX/XXXX/2015 and no funds have been received. Wells Fargo Sales department committed Credit Card Fraud by establishing a credit card in my name and taking my money without my consent.
Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated XX/XX/18, 2nd letter sent XX/XX/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.
Equifax requested a police report of my findings that were false on my credit report. The documents were faxed to the requested number and I in turn received a phone call confirming the documents were received. However, today the representative told me that they had never received any documents. This is the third attempt to resolve this matter with no success.
Received phone message at work from XXXX at API XXXX that I was being sued for a debt and they were sending paperwork to my employer and the XXXX XXXX. Did not identify original debt or amount or send me anything in the mail about this.
Credit Acceptance Corp reported a vehicle repossession to my credit report in XX/XX/XXXX. The company is claiming {$4400.00} is due on the account. I have requested to the company documentation including ( 1 ) a signed agreement with the dealer, ( 2 ) the original bill of sale of the vehicle ( 3 ) a bill of sale following the repossession of the vehicle and subsequent sale of repossessed vehicle ( 4 ) Any documentation pertaining to the purchase of the vehicle and its its repossession. These requests were made to Credit Acceptance on XX/XX/XXXX. When requested, the company claimed to possess the required documentation but has yet to send them via certified mail. The reported items were disputed with the credit reporting agencies on XX/XX/XXXX. 
Credit Acceptance has not contacted me with any requests.
The problem : I cant get a monthly statement from Lakeview Loan Servicing The details : 1. I have never ( over the entire life of the loan ) received a monthly mortgage statement. 

2. The lender does not respond to emails. Instead generating computer responses with non working links. 

3. The lenders website is a farce - despite numerous attempts I have not been able to login. 

Following is a sample email _ I have many more just like it : Dear XXXX XXXX, Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

====== Your Inquiry ====== IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. 

I will believe it when i see it. 

Not the first time that you said you would contact me On Thu, XX/XX/2019 at XXXX XXXX Customer Service XXXX wrote XXXX Dear XXXX XXXX , Thank you for contacting your loan servicing team! 

We have received your inquiry and are assigning it to the appropriate department where your request will be thoroughly reviewed and handled. Please utilize the ticket number provided which begins with the letters XXXX for any further communication relating to your recently submitted email request. 

Please note : duplicate inquiries may prolong your time for resolution. 

Your reference/ticket number is XXXX. 

====== Your Inquiry ====== IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. 

Hello, I have tried to contact Loancare LLC NMLS # XXXXnumerous times but have never received a response. 

My next step is to contact the Californian Real Estate Commissioner and the DRE. 

I am a licensed real estate broker and have not been able to see a statement for my personal residence for over a year! 




XXXX XXXX XXXX License XXXX Loan Number : XXXX. 

Payment Confirmation Thank you for making a payment on your mortgage account. 
Your payment in the amount of {$2000.00} was received on XX/XX/2019. 

This email confirms receipt of your payment. 

Thank you for being a valued customer. 

Please go to XXXX for further detail, or submit any inquiries via the Contact Us page. To unsubscribe from this email, please go to the Update Notifications page under the My Profile menu of the website, or email XXXX to be removed. 

If you have any questions about your account or need assistance, please email us XXXX. 

This email was sent to XXXX by LoanCare LLC NMLS # XXXX If you are not the intended recipient and feel you have received this email in error, please click here to notify us.
I contacted Wells Fargo Deal Services to make them aware that my identity was used fraudulently for this one account on my credit file. The other two account are legitimate credit cards accounts. I gave them my contact information, when I acquired the two credit cards accounts. So my contact information was already on file at Wells Fargo Dealer Services. However, the account that's displayed for the car doesn't belong to me. I have disputed this account several times, but to no avail. This is not my account. Wells Fargo Dealer Services refuse to remove it from my credit file. I have sent them all the supporting documentation to support my claim, but still refuse to remove it. I'm taking this to the media after this last attempt.
My bank holds transactions for days in order to cause overdrafts and assess fees to the account. I was just told it does n't matter how and when you spend the money, they will post the transactions the way they want to. I was also informed that there is no way to ever get an accurate account balance because of this. I have done everything in my power to prevent this, yet my bank refuses to acknowledge that they hold the payments. I made a cash deposit that covered both of these transactions and was still assessed a late fee when my account was not overdrawn.. additionally they charged me XXXX to transfer XXXX from my savings. the fees caused the overdraft on my account, not my transactions. I do n't feel this is fair that I 'm held liable for their systems errors.
I deposited a check at my Bank  's ( Regions Bank ) ATM  on the  XXXX  of  XXXX . This check was an insurance check that was issued to me  by my Insurance co mpany -  XXXX . The check has my vehicle finance company on as lien holder which requires their endorsement. This was the  first  XXXX  party ch eck I have ever received and I had deposited without the lien holder. I reached out to my Insurance company  XXXX  to see if they can cancel the check and re-issue a n ew one tha  t  I can get proper endorsement from my lien holder.  XXXX  informed me that Regions has taken the funds from their account and currently possess the funds, as such, They can not cancel the initial check and re-issue another  one. My B ank sent me a letter advising that they will make my funds available after    XXXX   days on th e  XXXX  of  XXXX . This was extremely disappointing and I cou ld n't imagine why  my bank would hold my funds for more than   XXXX    days. Today is  XXXX   XXXX  (    XXXX   XXXX   days aft er my deposit ) and I still have not received my funds from Regions. Regions Bank have treated me and my family like  XXXX , they could care less what financial or emotional impact their terrible treatments have on their clients. At this point I feel completely powerless and I am hoping that the CFPB can help to get my funds from Regions immediately.
On XX/XX/XXXX, I received a phone call from American Education Services attempting to collect a debt that they had called about a few days prior. During the previous call, I explained my intent to pay the full amount due and past due by the end of the month, of which this latest call, I issued a statement intending to pay the full past due and due balance by the week of XX/XX/XXXX.

AES/Pheaa needs to be made aware that communication tactics which include repeated phone calls at inconvenient times, or so close to any phone calls prior violate my rights as a consumer, especially if I've made statements making it clear WHEN I INTEND TO PAY. AES/Pheaa will cease and desist all outgoing phone calls until further notice or legal action may be pursued.
I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to XXXX, XXXX  and Transunion by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XX/XX/1983.
XXXX XXXX 's grandson, XXXX XXXX, was hospitalized for XXXX XXXX while on vacation in XXXX. XXXX Hospital required cash up front. XXXX XXXX initiated a {$5000.00} wire transfer at XXXX XXXX. The money was held so long at the intermediary bank, Bank of America, that the family had to initiate payment via another option. XXXX XXXX requested the money back from Bank of America. Bank of America asked that we ( XXXX and XXXX XXXX ) contact the XXXX Hospital and XXXX bank in XXXX, XXXX. XXXX and XXXX 's daughter, XXXX XXXX, did everything that was asked of us. Bank of America closed the case without resolving our issue or ever speaking directly to any of us. On top of that XXXX XXXX XXXX XXXX XXXX, our family feels victimized once again by Bank of America.
Submitted online XX/XX/XXXX, mailed XX/XX/XXXX " Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

These items by XXXX XXXX ( Account # # : XXXX ) are inaccurate because correspondence was continuously mailed to the wrong address, thus I was unaware of payments being due/delinquent. I am requesting that the items be deleted to correct the information. 

Enclosed are copies of correspondence/bills/letters mailed to the incorrect address, supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. '' Responses received XX/XX/XXXX and XX/XX/XXXX that " ... investigation included the review of all relevant account history and documentation ... we determined the information reported is accurate ... .credit adjustment denied ''
Military service member. Have a flex loan from advance financial, have had for more than a year. Paying a 279.5 % interest rate. Looking for relief under the MLA guideline for military lending which states a maximum of 36 %.
on XXXX XXXX,2017 XXXX XXXX, 2017 XXXX XXXX,2017 XXXX XXXX, 2017 i have sent several disputes with transunion to no avail have they showed me proof of verification of this debt. The only proof sent was it was verified thru lexis. They are not showing proof of how they verified it. They are not showing verifable proof.
Good afternoon. Ive been on Chex systems for a couple years now. Ive been trying to open a checking account but when I apply to serval branches they decline due to Chex systems. I had a fraud activity when I was younger with XXXX XXXX XXXX. They stold my card and I spoke to the banker and they close my account. Later on I have to pay a return fee balance which I did. It happen on XX/XX/14. I have good credit history with my credit cards and I have a debit card with one bank and Ive been having good history why is it still on my records if this wasnt my fault.
American Educational Services is now telling me that I can't lower my payments for this Private Loan. It is saying I'm not eligible to do so. I have been calling over and over since XX/XX/XXXX. I can't get hardship, forbearance I can't get anything. The problem with this one they are saying this payment is the lowest of XXXX. I have only paid XXXX in XX/XX/XXXX and XX/XX/XXXX on this loan. There is no other way with my husband on XXXX and I only work for XXXX per hour it's not going to work and still be able to eat. 

The problem is with calls all the time from XXXX XXXX  who is the lender, they are the worse in harassment to me and my mom who is XXXX years old and now I don't have that career job I was promised 10 years ago. I went back to school after loosing my business in XX/XX/XXXX and thought for sure I would get a good job by now, it's not happening. Not in our area. With the subprime housing market in XX/XX/XXXX and XXXX going out in our area it's forced alot of us baby boomers back to college trying to get a good job, but no jobs however we are still facing another hardship with college debt. 

XXXX XXXX keeps threatening to ruin my credit, my mother 's credit and they also say they will garnish my wages and my mom 's Social Security. I just can't believe they don't work with me on this. They call over and over again, writing letters and now I only have about 10 days they say before this all starts. Please please help!
To whom this may concern, I contacted XXXX XXXX XXXX XXXX over 60 days ago when I noted a suspicious mark on my credit report. I tried to communicate with the collection company and asked for written verification of the debt. There are two major issues. One, the debt does not exist. Two, I have a recorded phone call the day I cancelled my account. The company who sent my account to collections continued to collect weeks after my account was closed. A search on both here and XXXX would show numerous complaints similar to mine. No written verification was ever sent to me. Under FCRA this debt is now listed illegally and unverified. My records also show this debt as invalid. Since I've received no remedy from Transunion, XXXX  or XXXX and no willing participation from the company collecting this debt, I will be filing in small claims to resolve this matter. I will be collecting under the governing laws you have broken. 

This letter is a last attempt to correct this matter before taking this matter further. 

Sincerely, XXXX XXXX XXXX
XXXX Paypal charged me fees XXXX and XXXX for XXXX transactions initiated on XXXX XXXX in the amount of XXXX and the other in amount of XXXX both transactions where cancelled almost immediately after they were initiated. When the both transactions hit my account they sent me not only into over draft but they were rejected by the bank and sent back to PayPal. I receive notice from the receiver that the funds did not come through and I paid her with my Paypal balance instead of using Paypal to initiate a funds withdrawal from my bank to pay her. After this PayPal attempted to run the XXXX cancelled transactions through my account again even though these transactions had been cancelled and never accepted by the receiver. These transactions caused my bank account to become overdrawn. I contacted PayPal and inquired about these transactions on XX/XX/XXXX and the customer service lady told me that once a transaction is initiated even if the receiver cancels the transaction the transfer is initiated. I said well in order for the receiver to get the money they have to accept the Payment and if they cancel it or reject it why would the transfer go through. She told me that I needed to take it up with my bank if I did n't think the charges were authorized. I told her that I had already paid XXXX XXXX through my Paypal balance and that these charges were unauthorized and a nuissance to the legitimate charges coming through my account. She said that I needed to contact my bank about those fees and the charges. So that 's that I did and yes some how the return of their cancelled charges Paypal has tried to charge me XXXX fees. XXXX for XXXX and another for XXXX for these returned payments from the bank.
Upon viewing my new monitoring service I noticed a debt balance from company XXXX XXXX XXXX for a debt balance of {$1000.00} on my file that is fraud and a result of identity theft doesn't belong to me. I have filed a identity theft report and have attached to this complaint. This balance is claimed to be from XX/XX/2013 I have never used whatever service company offers this is not my account or balance.
EXPERIAN HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EXPERIAN JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EXPERIAN TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.
XXXX XXXX XXXX has been trying to collect a debt that does not belong to me..the account was closed and once I started disputing it XXXX XXXX XXXX   illegally re-aged the debt.It went from being closed and nearly falling off to being reopened and the fall off date is way past the original date..they have not been able to supply me with the original contract and are taking advantage of me..
credco continues to spill out nothing but lies. they continue to insist that their report to quicken indicated no bankruptcy. yet I have in my possession not XXXX, but XXXX rejection letters using now what can be considered to be bold faced lies. at this point it is now criminal in nature. the fbi should investigate.