WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I found my XXXX XXXX XXXX Account in the glove box of my truck I traded in and in the book stated that I had {$830.00} in the account as of XX/XX/XXXX. I went to Santander Bank who merged with XXXX XXXX and talked with the customer service rep. who did a check of the system and could not find any information in their computers of the account using my name, date of birth, social security number or the account number. several months passed and I went back to Santander Bank who stated that they only keep records for 7 years and that they had no record of the account and that I should have received a letter advising of the merger and to come and get my money. I never received any letter from the bank and I was also advised to check with the state at Unclaimed money for Pa. in which I checked twice all with negative results. My state Rep did also check with no luck. In XX/XX/XXXX a man from the bank named XXXX XXXX XXXX stated that they sent me a check in the amound pof {$830.00} on XX/XX/XXXX in which I never received. I requested from the bank several times a copy of the check with my signature on the check cashing the check in which the bank states they do n't have. 
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I was looking at my credit report and I noticed there was a car loan that was closed and never been paid this was very heartbreaking to see knowing that I have never had any type of car loans in my life and the only credit report that it showing on is my XXXX this is not showing on any other report now that I investigate deeply I am seeing a lot of things on my report that is fraudulent and as a result in identity theft I have communicated with the Creditor Westlake Financial to take this off my credit they said they will try to put a request in the address they have is not the same address is on file where I live at please have them remove this fraudulent activity off my credit report please
Afni calls about 10 - 15 times per day. They have contacted everyone I ever called from an XXXX cell phone SEVEN years ago stating Im at risk of imprisonment from falsely using XXXX and they need me to contact them. This is unacceptable. I DO NOT owe XXXX money
There is a public record listed on my Experian credit file which is a FEDERAL TAX LIEN Docket # XXXX which is NOT mine it is my fathers I have never owed the IRS. This is very inaccurate information and untrue and I want this remove ASAP
i received a voicemail for a " law firm '' representing XXXX XXXX. they left me a voicemail advising I contact them back regarding a personal matter. I called back and asked what this call was for. The collector never verified any information other than my name, MRD or mini Miranda. He told me I needed to give him my credit card or banking account information over the phone right now or he would report this {$150.00} bill to my credit report. I never even received a bill from XXXX, never received a phone call regarding a bill from XXXX  directly. when I originally called and spoke to a woman manager at the XXXX XXXX XXXX she advised she would remove my cc off file and i wasn't under any contract. she personally removed my credit card in the system and I never returned to the gym. All of a sudden I'm getting these calls from a agency that I do not believe is right. I would of paid a {$20.00} month bill and canceled had I known they'd charge me {$150.00} after I spoke to a manager and explained I no longer wanted to be a member as I found another gym. I do no want any other threatening voicemails. I contacted XXXX XXXX and he told me to just email the corporate company and pay them if I want to. Had this manager explained the canceling process I would of went to the gym and canceled had I know they would charge me monthly even though I was not active at the gym. They never once sent me a letter or attempted to call me to reactive my account by getting a new credit card on file, due to a rep manually removing my credit card herself.
I have some various inquiries in my credit accounts. All 3 XXXX XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Experian is showing 4 inquiries during the past two years in the credit information that it has provided to my bank when in fact there none. Attempts to correct that and other wrong information have failed. The company is the only one reporting that. In addition, it shows office buildings as my residences with variations and repetitions that I believe a designed to confuse people. It is listing names that are not mine!
USAA on X/X/17 is sending me a credit card statement attempting to collect a debt that was discharged in bankruptcy on X/XX/17. I have attached the statement they sent me and the discharge order.
Dear Sir or Madam : This letter is to request to dispute the billing fraud on my Chase credit card ending in XXXX in the amount of {$850.00}. they closed my case without my agreement and I have asked Chase credit card dispute team to re-open this case, but they still told me that that transaction is still valid. 

In order to support my claim. I have asked Chase credit card dispute team to check the XXXX XXXX security camera at Cashier Window between XX/XX/2017 XXXX -- XXXX ( which is the best evidence ), but they said they can not request the security camera footage from XXXX  XXXX XXXX 
When people need to withdraw the money from the Cashier window, the clerk inside window need customer to copy photo ID and sign the name, when I was trying to withdraw, I need to do the same thing, but the girl inside the window told me that my transaction was declined, I thought my pin could be wrong or there is the limit to withdraw the cash from the credit card, so I left the cashier window empty handed. 
The next morning, I got a phone call from Chase credit card, the agent told me that my credit card has been compromised, I was asked to cancel my current card and send me a new one. 

By the way, I hope the merchant can find out who is the thief in their cashier department. 

Sincerely, XXXX XXXX XXXX : XXXX
I have a Walmart issued credit card, which I maintained and paid on-time for several years. Due to XXXX XXXX 's expenses, I was unable to make my on-time payment on XXXX/XXXX/XXXX. As a result, Walmart credit card services decreased my credit line close to the amount owed, thereby affecting my credit. I contacted customer service on XXXX/XXXX/XXXX to discuss this matter and was informed that credit line decrease was not due to a late payment but it was due to a XXXX XXXX credit check on XXXX/XXXX/XXXX. I advised them that this is false since Walmart provides a free XXXX XXXX credit monitoring on their payment webpage where they themselves can view my credit progress. I was late with other creditors as well for the month of XXXX due to XXXX XXXX, however, none of them took such adverse action towards someone who was financially impacted by the storm. I believe my credit was lowered solely because of the late payment and because it was lowered to the amount owed it will negatively impact my credit. Please assist me in resolving this matter. I advised them to close my credit card because of their unsympathetic stance.
AT THIS WRITING PLEASE BE ADVISED THAT I HAVE TRIED ON NUMEROUS TIMES TO GET CLARITY IN REFERENCING TO THE SERVICING OF MY MORTGAGE LOAN : -PROBLEM STARTED WITH THE SERVICING OF MY LOAN FROM XX/XX/XXXX-XX/XX/XXXX BY MT BANK SEE ( exh.A 8 pgs customer activity statement printed by MT BANK-showing current balance {$230000.00} ) - on XX/XX/XXXX requested a qualified written request ( " QWR '' ), never received a reply.
on XX/XX/XXXX because of limited funds I seek free services from XXXX XXXX XXXX XXXX XXXX A 501 ( 3 ) non-profit XXXX XXXX XXXX. who followed up on my request in reference to my request, and XXXX XXXX rec.the following attached dated XX/XX/XXXX ( exh.B ) refusing to reply to my request. 

- see ( exh.C ) XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX showing no late payments. 

-on XX/XX/XXXX see ( D ) on XX/XX/XXXX case information summary from XXXX County Clerk of Circuit Court Electronic Docket Search the alledge servicer XXXX XXXX XXXX stated that they is the morgtor and MT BANK was the servicier and they was directed to file foreclosure complaint by their fir t attorneys XXXX XXXX XXXX which later merged with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX. 

on XX/XX/XXXX XXXX send a payoff which was not ordered by me stated that cerified funds needed to reinstate is XXXX. XXXX withdraw from the case XX/XX/XXXX
I noticed that on a recent credit report, it had an address listed for me in XXXX where I had never lived, so I 'm not sure why this address is showing up on my credit report.
I found Castle Payday Loan with a search engine listed as " installment payday loans '' and applied. I was contacted the same day by a " loan officer '' and told for a {$350.00} loan I would make 4 installments of XXXX ea, over a 60 day period. After making the first pymt I went online to check what the payoff balance was and it showed no difference to the original loan amt, and was now showing a XXXX payoff. I decided to wait a week to see if it was just a website error The next time I got online was 4 days before the next pymt was due and it was still showing the same payoff, so i looked at " schedule of pymts '' tab, which BTW had NOT been an available tab option at the time of the loan. The schedule of pymts showed, 3 more pymts of XXXX and THEN ... another 15 pymts of slightly lower amts for a total of XXXX on a XXXX loan that was told to me to be 4 pymts of XXXX. There is no way I would have ever agreed to pay back XXXX dollars and the idea of paying for 18 mths on a XXXX loan at 788 % interest is criminal! 

I wrote this letter to Castle Payday as per their website to rescind my approval for them to withdraw money from my bank acct. They have not responded. 


Previous messageNext messageBack to messagesRescinding ConsentRescinding ConsentXXXX XXXXXXXXTo : XXXXXXXXXXXXTo whom it may concern, I attempted several times to reach you today to rescind my consent for ACH withdrawals from my account. After being on hold and told over and over, that it would only be another 35 seconds, I hung up and contacted my employee assistance program who put me in touch with a Predatory Lending Atty who advised me to notify you by email that I withdraw my consent and report your company to XXXX. I was told at the time the loan was taken out that i would have 4 TOTAL payments of XXXX on a {$350.00} loan. When I checked the payoff yesterday, it showed a higher amount NOW due than when I took out the loan, after making one of the three reported payments. Your schedule of payments shows a ridiculous 18 payments for a total of {$1600.00} on what was supposed to be a 60 day loan. I will not be paying this. I have reported you to XXXX and will follow all legal counsel should you attempt to collect on this. I will pay the original contracted amount of {$490.00} minus the {$120.00} already paid. 

XXXX XXXX XXXXApplication # XXXXPlease advise if I have any other options. 

XXXX
I ran a credit report in XXXX and this debt did not appear ... .9 months later in XXXX ran another credit report and this debt from XXXX XXXX have appeared. This claims to be a debt from XXXX for XXXX. I have been a XXXX XXXX customer since XXXX. I did not receive notice nor any information validating the debt. I have had no contract with XXXX. This is not my debt and I want it removed from my credit report.
On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX XXXX bank about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Transunion I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX I also forwarded a letter from the creditor for XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX XXXX XXXX XXXX, XXXX NY XXXX IS NOT MY ADDRESS Address XXXX XXXX XXXX XXXX NC IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX XXXX Service Member Currently XXXX to XXXX since XXXX XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you
This account has already been settled with my doctor 's office. It was paid in full on XX/XX/2017 directly to my doctor 's office. As of XX/XX/2017, I was still listed with the collections agency, Capital Accounts, as owing a balance. When I called the office administrator at my doctor 's office to address the matter, she said she called Capital Accounts and told them I had settled my account but there was nothing else she could do to get it removed from my credit report. At this point, I 'm not sure what I 'm supposed to do, and now my credit score has dropped significantly because of this situation.
On XX/XX/XXXX I requested a free copy of my credit report from Equifax. Upon review of my report I noticed several hard inquiries that took place from XXXX throughXX/XX/XXXX. I called Equifax and spoke to a U.S. Representative and we went step by step through the report and the inquiries were removed. On XX/XX/XXXX I decided to check XXXX XXXX and noticed they were back on there. I sent a letters asking for validation of the information and accounts linked to those inquiries and in return I received a 2 page paper that showed the inquiries I had removed and disputed. I am aware of a data breach with the bureaus and feel my information was compromised. Too many inquiries in a short period of time and no validation ever being sent to me.
I have confronted XXXX and XXXX numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, Experian, and XXXX my current, correct address several times but as you can see in the enclosed documents, XXXX fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!
On XX/XX/18, I contacted Bank of America after my hairdresser attempted three times to use my Mastercard from Bank of America. I saw, too, they alerted me to check to see if some transactions were familiar, and they were not, but at that time, I could not get the system to work from my XXXX to check off and submit to them the purchases I had not made, so I called them. Long story short, over three hours later, I was still on hold with them, trying to reach the fraud department, which even a supervisor of the checking and savings department swore to me, and the credit card department, too, that they were working that day and I was simply to stay on hold. As I waited, more charges/attempts were occurring on my card, and I felt sick and upset, and could get no help. After over three hours on the phone ( no, I am not exaggerating and have phone records to prove the times I called, and asked for call back, too, which they never did call back at all ). I still have not heard a word from them.
A credit card I have no knowledge of is showing on my credit report as delinquent and charged off. I disputed the credit card with both XXXX and XXXX credit reporting agency and got a response saying that the card is charged off and would be on my credit report for 7 years. I did not apply, use, pay or have knowledge of this debt. Not sure who did this. There was a history of good payment history as to why I did not know of its existence until whomever stop paying and I started getting negative letters when applying for other credit.
I received a letter from The Northland Group attempting to settle a debt in collection. I responded to the letter requesting proof they were authorized to collect alleged debt via certified letter. They immediately responded saying they returned the collection to XXXX but XXXX is not the original creditor but a collection agency. My credit reports indicate the account in question has been sold multiple times and is being reported to all XXXX credit reporting agencies by XXXX, XXXX and XXXX. All XXXX report inconsistent dates of charge off/collection and all XXXX report inconsistent amounts of the actual debt owed. The debt is being reported on all XXXX credit reports as an active collection even though I have disputed this through the CRA's. Despite my disputes have never received anything materially relevant from any of these companies proving my obligation to this debt. To date I have not had any response from XXXX. I sent a certified letter to XXXX requesting proof of, verification of their authority to collect, and my options to resolve this debt so I may resolve this issue, I requested a response within five days as per law. XXXX signed for the certified letter over one week ago but has had no contact with me and have not given me proof of the debt, my responsibility or options in resolving this matter. I request all communication be done via US Mail and in writing on a company letterhead.
On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS EXPERIAN I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX Inquires were removed then added back to my credit report. They did notify me when adding them on. This is a violation of the FCRA. 
I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you
I engaged with a debt consolidation company effective XX/XX/XXXX. " The Lending Club '' who herewith in isthmus party whom the complaint is about, was made aware of this transaction by phonE, then via e-mail, then by the company at least twice and provided a copy of my authorization to speak to the debt consolidation company, XXXX XXXX XXXX. In addition, they were given ease and desist letters. 
I am still receiving letters threatening my credit and at least 2-3 phone calls each day. My account was NEVER late with them and has been in existence since XX/XX/XXXX.