WillisBack/dataset-financial-user-claim huggingface dataset:
The company did n't contact me by phone at all for a bill that is now reported in my credit record. I had some previous bills that was with the same company and i used to have really tough phone calls with threatening of reporting and not resolving. my main problem now is that they report a claim which I had no problem to pay it on time if they called me. I just settled all my debts with this company by calling them around 3 months ago. the company suddenly reported failed payment for medical bill without contacting me with previous knowledge where I am and my situation from previous experience. please advise if I still have to call them and accept what they say to remove the collection while it is still there in the removed collections or I have any rights to dispute this claim for not contacting me.
I called and spoke with TransUnion Friday and told them I must have been a victim of the inquiry issue they had I have over 70 unknown inquiries on my report and they would not remove them
CAN NOT GET A COPY OR INTO REPORT ONLINE, WHILE I HAVE BEEN AWAY ATXXXX XXXX XXXX XXXX I THINK MY PARENTS ARE USING MY SOCIAL SECURITY NUMBER, INCLUDING A ELECTRIC BILL THAT I JUST GOT
This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. 

It has come to my attention that there may have been some accounting irregularities in this account, which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 

This discovery process has been presented under Notarial Seal for the purpose of certifying the admissions, confessions and stipulations of the Parties, to create a public record thereof, via the issue and filing of an Administrative Declaratory Judgment, by Notarial Protest. Said Administrative Declaratory Judgment is issued under statutory authority and under the authority of the Secretary of State, acting as an agent of the Department of State, and carries the power and authority as if issued by the highest court in the land. Said Judgment constitutes res judicata, star decisis, collateral estoppel and judgment by estoppel. 

Please take note that this discovery process has been served under Notarial Seal and valid subpoena establishing your mandatory obligation to timely respond and/or rebut the following, point by point and line by line, verified true, correct and complete, signed, sworn to and notarized in affidavit form and to provide certified copies of the requested documentation. 

Please respond and/or rebut the following points in the attached affidavits and documents, point-by-point and line-by-line, in affidavit form, and provide documentary evidence to support your claim.
My husband and I are very perplexed as to how Transunion continues to report the collection as verified with no changes each time it is disputed as fraudulent and no record of address for us at XXXX XXXX with the information they received from fidelity creditors and the fact the both XXXX and XXXX have deleted the fraudulent collection from our credit reports with them! We would like Transunion to explain this and how they verified anything and did due diligence in researching and validating anything regarding this case as it obvious Transunion did not do so and is thus libel and will be prosecuted.
I was approved for a loan modification back in XXXX 2017. I was provided the trial modification agreement which required my signatures, in which I executed and used the prepaid return label provided by Ocwen to send the agreement back. I was told that they never received it so they sent me another package, in which I signed and mailed back also. I made the first trial payment in XXXX, and then again in XXXX, both times in which Ocwen accepted and processed my payments. Then on XXXX XXXX 2017, they informed me they still did not receive the signed agreement, again I was provided another return label from them and mailed the signed agreement back. Then I was informed that they canceled the trial modification because the agreement was never received, which can not be possible as I mailed it to them using their return label 3 different times. I am now being told that the modification is voided and I have to start over from square one and I now have an active foreclosure sale. Something is seriously wrong in this because I would not jeopardize the offer they provided and I made sure to comply with all their requests. I am uncertain why the labels they provided are not being directed to the correct department and now my 3 signed agreements are lost in action.
Fraudulent account opening originally with an online school, someone apparently obtained a loan in my name and all of a sudden this company nelnet is affecting my credit. I tried to dispute it and spoke with the company.
I received a credit card I never requested. Suspiciously they used an incorrect middle initial for me. It was a Fidelity Rewards Visa Signature Card
I purchased a product using my AMEX from XXXX XXXX. The Item I ordered was not the item I received. The item XXXX shipped was an inferior product, that was {$50.00} higher than the last minute deal I purchased ( but my purchase was a better computer ). XXXX would not honor the purchase and tried to give me {$50.00} credit. I said no, and returned the computer via XXXX two days later. I waited on my refund, but they delayed it and blamed AMEX saying they sent the refund and AMEX was holding the money. Until then I had no problem with AMEX BLUEBIRD. My employment direct deposit went to it, and I used it always. XXXX kept saying AMEX had my money. I had conflicting emails, and called AMEX BLUEBIRD, who said that if they had my money, they would automatically release it ( although policy enacted in XX/XX/2018 ) says that merchants may request 7 days hold on refunds (??? ). Finally, after much moaning and hollering, a rep from XXXX calls me and tells me my money is on the way, she gives me my card number and says she has talked to XXXX and that the money is on the way. I find out later they brokered a provisional credit with AMEX, until they could send the money. All the time XXXX blamed AMEX saying they had the money. I felt like this was a back door deal and that AMEX was conspiring with XXXX ( the merchant ) behind my back, although I was the customer. I changed my direct deposit and stopped using the account. On my new positon with my job, I found out the importance of data integrity for customers and I feel the AMEX violated my privacy and is in cahoots merchants and the expense of customers.
Credit bureaus are showing a bankruptcy on my credit report which was reported by  US Bankruptcy Court.  I contacted the court and received a letter that states the do not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.
THERE IS A INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND NEED TO BE REMOVED
I received a letter from Capital Accounts requesting I pay {$900.00} to them covering a debt to XXXX XXXX XXXX. I stated that I needed a detailed statement in order to reconcile the details with my insurance companies and then attmept to pay the true debt. The letter stated that I should request in writing within 30 days to have the details. I then spoke to XXXX XXXX with Capital Accounts and he stated he 'd have me the details in 15 days. In 30 days I got a letter than it was being sent to credit reporting. I called XXXX XXXX and he said he could n't get the details from XXXX XXXX XXXX yet and I told him that I needed that prior so I 'd get it from XXXX XXXX and get back with him. The problem is that XXXX XXXX decided there were some charges that were incorrect and they resolved the data issue and was supposed to resubmit to Capital Accounts on XXXX XXXX 2017. I checked XXXX XXXX today and I 've lost XXXX points from this unfortunate horrible communication problem. XXXX XXXX XXXX claims they sent me 5 letters however I never got their letters, just Capital Accounts, the collection agency.
I purchased a used car in 2015 and received a 24 % interest rate due to my low credit score. Now my credit score has increased about 100 points and the loan company will not work with me to lower my interest rate. They suggested I refinance with another company because they do n't do refinances. Well, other companies wo n't refinance me due to how much I 'm upside down on the car due to the high interest rate. With this current interest rate I 've not made any progress towards the balance. I have had some payment deferrals and understand those effect my balance too, but if I had a reasonable interest rate I could make more progress and get this car paid off. They refuse to help!
XXXX a debt validation letter was sent to the company to validate a debt with the company, with proper paperwork or signature, which the company failed to provide. what docs did the company provide to the credit bureaus to validate the debt.
i have a collection debt on my credit report that is not mine, the natl.hospital collection has sent to my credit report that i have a debt with them of XXXX dollars.i an XXXX years old and i have been on my wife insurance were she works for a period of 15years so i do not know were they got this from .please help thank you
Unauthorized inquiry by   XXXX   for credit card on  X/XX/2016   ,  X/XX/2016   , and  X/XX/2016   . Reported to  XXXX   X/XX/2016    as fraudulent and requested investigation/close acct. Received letter on  XX/XX/2016     XXXX  resolved in my favor and they notified  XXXX ,  XXXX , and Transunion by letter to remove acct. On  XX/XX/2016    I requested 90 day fraud alert to Transunion. Both  XXXX  and  XXXX  have removed   XXXX   acct and hard credit inquiry in timely manner. Transunion has removed only the  XXXX  acct, NOT the  XXXX   (   XXXX   ) har d inquiries.   I have requested several times and Transunion states it has been removed. All credit reports I have STILL show this information. This has an impact on my ability to raise m y credit score. I  have documentation to prove my complaint.
In XX/XX/XXXX I received a Chapter XXXX discharge of all my debts, and in XX/XX/XXXX, Central Morgage Company XXXX, a mortgage servicer, gave me a mortgage modification agreement in which they created an escrow account to pay all my taxes and insurance as is customary. In XXXX of this year, the tax collector XXXX came to my door with a letter saying I had 30 days to pay off over $! XXXX in back property taxes with penalties and interest for the tax year XXXX. Perhaps I thought the taxes had been discharged in the bankruptcy or that Central mortgage had included them in the escrow because I did not pay thoses taxes, nor did the XXXX XXXX tax Collector inform me that this debt was accruing. It turns out that in small print of their annual tax statement, there is a small note, amost too small to notice, that back taxes were outstanding. the terms they offered for paying these taxes were unreasonably harsh, so I submitted this bill to Central Mortgage which they forthwith paid in full to protect their own interest in the property. Now they want me to repay this tax bill at the rate of {$1100.00} per month on top of my {$2600.00} a month mortagage payment for a total of {$3700.00} per month. I told them that I could not afford this payment and asked them to either remodify my mortgage or to spread the tax bill out over a longer period of time to make my payment more reasonable. They took over a month to ponder my request and have just refused to take any steps to make myi payment more reasonable. I find this to be very unreasonable and woud like help in resolving this matter more to my favor lest I lose my home. Also, I would like to know if I have any legal recourse with resepect to this usorious and totally outrageous tax bill.
On XX/XX/2018 I was charged {$49.00} to my American Express by a company called XXXX XXXX located in XXXX, PA. 

At the time I was 3,000 miles away in California and did not authorize this charge. 

I filed a dispute with American Express and the merchant provided a " keyed in '' receipt without providing any supporting documentation that the charge was authorized or that any services or products were granted. 

Again, I did not authorize the charge and American Express was aware that I was 3,000 miles away because I both told them and they have access to my account history which showed that I was traveling at the time. 

Despite this, they have chosen to uphold the charge simply because the merchant claims a unilaterally created receipt manufactured without my consent or knowledge somehow legitimizes the charge.
My complaint surrounds the now know predatory practices of XXXX XXXX XXXX. My duration of school was from XXXX - XXXX. I sought out XXXX for the XXXX XXXX and XXXX program. While I was fresh out of XXXX XXXX, they made sales pitches to me stating federal/private loans would guarantee my future. I would be placed with a well paying job right out of school and my loans would only help my future by improving my credit lines. From the application paper work to the application for federal/private aid through student loans, this was all facilitated through a rubber stamp type action, much like we saw on home mortgages. I fought every step of the way to gain an education which I thought I had paid for and ultimately left me without work and the ability to repay my loans. As the schools have no closed and previous lawsuit, much like the CFPB in Case No. XXXX are the exact situations I faced. There was no truth in lending and I have n't been able to obtain assistance from Navient, my loan servicer. I would appreciate the assistance and guidance to have these loans discharged, both federal and private loans.
I've received crypto currency from a company in XXXX in 2012 sent through coinbase, i've had 2 accounts with coinbase that I have easy access to with no problems. However the account with the bitcoin transfer has been blocked from the coinbase domain. I am able to verify and ID authenticate all other accounts however the one with the currency has been blocked, I can not access it. 

I've reached out several times by emailing & calling the company with no support in managing the problem. 

I've gone through all the steps they suggested in the email to verify and access my account, from adding them to my email list, checking spam folders, and talking to my email administrator. The problem is from Coin Bases.
I 've tried several times unsuccessfully to have some inquiries removed from my Transunion credit report as they are reporting inaccurately. Then finally I spoke with a Transunion agent on XX/XX/XXXX who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I received a confirmation number and was told that my credit report would be updated in 24 hours with these inquiries removed. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!
OSLA previously had 3 accounts in my name. All sounds have since be consolidated with another company. OSLA is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.
Repeated calls to my work XXXX XXXX XXXX I told them not to call but they do anyways
I dispute an account with XXXX and they correct the error ( account open fraudulently ). I send all the information needed to XXXX, and they send me my credit report corrected. XXXX correct the account too but EQUIFAX have the information all wrong. I try to dispute this account in Equifax with no results. And all my information is wrong in Equifax, i have a mortgage and they delete the account and the account on dispute its still in my report. I been checking my credit report in XXXX XXXX almost everyday to see any change on it. I dont know if the 3 credit agencies are supose to have the same information. I can give you my XXXX report number for easy access to my info : XXXX I live in puerto rico and the account was open in united state. I been trying to deleted this account since XXXX  2015 and Equifax still have this account. Also the address still in my account. The account in dispute is XXXX XXXX # XXXX they use this address : XXXX XXXX XXXX XXXX VA XXXX ( fake )
I received a bill from Rossi Law Offices , LTD in the amount of {$41.00}. I sent out payment immediately as they were claiming to be collecting a debt for the City of XXXX XXXX. Payment was mailed by check the first week of XXXX in the amount of {$41.00}. The so called law office failed to cash the check and has now sent a bill for a slightly different higher amount. This debt was a debt that my ex-wife should have paid as a result of our divorce. This debt collector is playing games. It appears I will need to put a stop payment on this check and who knows what they did with it. A quick search on the internet demonstrates this is their MO.
I received a call on XX/XX/XXXX stating I needed to contact the legal department at ( XXXX ) XXXX asap. After speaking with an associate he stated that a debt from XX/XX/XXXX with the company XXXX XXXX XXXXXXXX needed to be settled or court action would be taken. I paid an amount in XXXX $ in accordance to the payment plan which would settle my debt with XXXX XXXX XXXXXXXX according to the associate. XXXX XXXX was the name of the individual I conversed with.
Hi, I purchased a product online from an auto part dealer in XXXX. I sent XXXX USD to a XXXX XXXX working for the XXXX XXXX company through paypal. I received the product in XX/XX/XXXX and the product was not at all what was advertised. I was supposed to be receiving a carbon fiber rear view mirror for a XXXX XXXX however the company sent me this plastic mirror cover that was cheap and misleading. I was expecting to receive the whole carbon fiber mirror as it costed over {$80.00} and the company advertised it as a mirror even had a picture of the mirror as the advertisement. Anyways, I tried to come to an agreement with the seller and they would not respond when I asked for a refund with product return. So, I reported the seller to paypal and sent them additional supporting documents of my case and proof that this company is frauding consumers. Paypal ended up closing my case because they said I did not respond in time, which I did. I think it it ridiculous that they are letting this seller get away with fraud when they apparently are so addament about it. I just want my money refunded as it is the ethical thing for the company to do.
Received call from unknown debt collection agency on Wednesday XX/XX/XXXX at around XXXX XXXX  saying they are attorneys and going to take me to court for wage garnishment for account 6 years old. Employee was rude and unprofessional. Employee used abusive and threatening language.
I received a alert yesterday that a collection has been place on my credit report. I called midwest recovery systems and they state i owe a payday loan from XX/XX/XXXX. I never heard of the the company they stated i got the loan from ( XXXX XXXX ). I have not received any documentation about owing any money to anyone. They are suppose to send you by mail a bill or collection of debt attempt and then wait 30 days before they report to the credit agencies. This was not the case ; I have received nothing. The statue of limitations for collections in Arkansas is 5 years ; this is from XX/XX/XXXX. I think it funny how i haven't been contacted about owing money but 7 years later i owe something. If you XXXX midwest recovery systems all you read about is fraud warnings and scams and i think that is whats happening here. Per my lawyer our official complaint is : Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

XXXX XXXX
On the day of XX/XX/XXXX, I mailed off a letter to Navient/Department of education. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. Navient converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.
I closed XXXX bank accounts with Citizens Bank RBS. After I closed the accounts, deposits were made electronically into those accounts without my knowledge keeping the accounts open. Citizens Bank never sent me a statement of any kind for years while they drained the accounts with maintenance fees. Once XXXX the accounts went negative on maintenance fees, they finally sent me a letter indicating I needed to pay the negative balance. I 've spent a lot of time talking to a lot of people to resolve this, but Citizens hides behind its electronic statement agreement that the statements were posted to their site and I should have accessed them. However part of that service includes email alerts when the statements posted, and those were turned off during the closing process of the account, so I never got any indication for years that these accounts existed any longer. Citizens refunded 10 % of the fees they extracted and refuse to help any further. I do n't understand how a bank can have my money to make money with while at the same time charging me maintenance fees for years and never sending me a statement of any kind for regulatory purposes.