WillisBack/dataset-financial-user-claim huggingface dataset:
The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called Financial Recovery Services Inc. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files.
I have sent two letters to Chexsystems asking for validation of an account that I believe is fraudulent. They have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. I requested a copy of any documents provided by XXXX XXXX bearing a signature showing that I have a legal binding contractual obligation to pay as is my right per the FCRA. They are in non compliance.
I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with XXXX and 13 with XXXX  along with experian none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.
My daughter ate my money order for my rent ... {$970.00}. I didnt give it to her directly ... she managed to open my wallet ... which is pretty skilled for a then XXXX  month old. Anyway, the place I purchased my money order from said they couldnt refund it. I did purchase another one because I had to pay my rent. Then I called Western Union. They said I had to fill out a form and pay them {$15.00} per money order to receive a refund- and the processing takes 30-60 days. Well that was 30 days ago and they are saying they didnt receive my paperwork- which included the damaged money order, the fee, and the refund request form. Ive asked to speak to several managers each time it ends up going to a dial tone. Ive talked to like 8 different people. I dont know what to do. Theyre not XXXX  accredited.
We contracted with an auto transportation company to transport our vehicle from XXXX to XXXX. A contract was signed under false pretenses. The misrepresentation from the transport company resulted in us being charged {$740.00} by our credit card company. The transport company never transported our vehicle. We attempted to resolve this issue with Barclaycard, but they were unwilling to refund the amount. However I digress. XXXX XXXX XXXX lied to us, so we canceled the contract. The contract had a " non-refundable '' clause. This is what Barclaycard is using to withhold our refund. The contract was executed in XXXX. XXXX Statue section 817 Fraudulent misrepresentation stipulates : Under contract law, a plaintiff can recover against a defendant on the grounds of fraudulent misrepresentation if ( 1 ) a representation was made ; ( 2 ) that was false ; ( 3 ) that when made, the representation was known to be false or made recklessly without knowledge of its truth ; ( 4 ) that it was made with the intention that the plaintiff rely on it ; ( 5 ) that the plaintiff did rely on it ; and ( 6 ) that the plaintiff suffered damages as a result. 

The contract is null and void, however. Barclaycard is refusing to follow XXXX statues by allowing the merchant to bill for services they never provided. We chose to use another transportation company and contacted XXXX XXXX XXXX to cancel our request, which they did, but still charged us the entire amount it would have cost to transport the vehicle. 

In closing, we were charged {$740.00} for a service that was never rendered and Barclaycard has refused to refund our money.
I did not receive any bills from XXXX Hospital. I checked my credit report in XX/XX/2018, I had a collection from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX. I sent them a letter and no response. I disputed with Trans union multiple times. I requested that they send me verification how they disputed, they only sent me a credit report. XXXX XXXX XXXX never sent me validation as I have requested. On XX/XX/2018 I sent them a letter I received no response. I just sent a letter to Trans union to dispute this item because it is now listed as XXXX Hospital under XXXX XXXX XXXX information and telephone number. Trans union keeps  saying verified, but I can get no response from delivery financial services. I have also sent Trans Union multiple Letters about inquiries, but they say they don't dispute inquires I have to send to companies only. I have requested for them to send me information on how they verified the accounts for XXXX XXXX XXXX, chapter XXXX bankruptcy XXXX, chapter XXXX bankruptcy XXXX and all they sent me was a credit report stating verified. I also informed them I was part of Identity Theft and please remove the inquiries. I am sending them another letter of dispute, but I am sure they are not verifying these items correctly.
As of XX/XX/2018. I received a collection account on my credit report from a collections agency called Diversified Consultants Inc. the  original creditor is XXXX and the balance is for {$4800.00}. It stated that this account is from XX/XX/2018. Ive never done business with XXXX or had any cellular service with them. Ive disputed this with XXXX and XXXX when this account was with another agency and it was deleted from my credit report. Ive even asked for validity of debt when it was with he former agency and received nothing. I simply want these agencies who are reporting this fraudulent account to my credit to stop collection attempts once and for all. Its causing issues with my near perfect credit history and just a big headache overall
I believe my loan is direct ( Sent Straight to XXXX XXXX XXXX XXXX ) but im a little confused. Payment kept going up and changing. The rate a was n't ever the same. I called and they " fixed '' It but I still do n't seem to be making a dent. I 've paid a significant amount in six months and probably only got XXXX off my loan. Not sure what to do.
My wife has called in and spoken to several different people who have not been helpful and have hung up on her. At the end of XX/XX/XXXX   the XXXX  that is financed on this loan was damaged in a hail storm. On XX/XX/XXXX I made a payment against the loan and spoke to a westlake representative about this issue and that the insurance company would be contacting them about payoff. I asked that the automatic payments be shut off and was assured no additional payments would be taken. After communication from the insurance company and a letter being signed by Westlake showing their intent to send the title to the insurance company after payoff was received, a payment was taken out of my bank account on XX/XX/2018. Westlake had confirmation that the loan was being paid off by the insurance company and provided the payoff amount. The payment that was electronically taken out of the bank account held by my wife and I was taken incorrectly. My wife is trying to get this resolved with Westlake and is being told that the money will be returned within 21 business days. She has been transferred around, put on hold and then miraculously disconnected by two individuals in two different departments. I have emailed Westlake Customer email and received a response back that I would be contacted within 10 days. I have called on multiple occasions to be left on hold and never make it to a person. I finally made it to someone today and asked for a supervisor only to be put on hold over and over and told no supervisor was available. I asked for the next level up and was told they were not available. I asked for someone who had the authority and refused to wait for a call back as I have not received one yet. I was finally put on with a supervisor who talked over me until they finally hung up on me. How is it acceptable for Westlake to take the funds immediately and incorrectly and then to hold onto the funds for an additional month before returning them? Why would it take 21 business days to cut a check and mail it? Who do I need to talk to about refunding my money directly into my account the same way it was taken in a reasonable time? This is a reasonable question that no one can answer except to tell my wife that it is your process. Is it your companys process to take money fraudulently and then to hold it for over a month before returning it? You can not tell me that Westlake has the ability to take the money from my account but do not have the ability to return it the same way when a mistake has been made. You can not tell me that it takes 21 business days for Westlake to cut a check and to send it in the mail. You can not tell me that there is not one person within Westlake that has the authority to correct a mistake such as this faster than 21 business days. 

It is ridiculous to even think that anyone would accept someone taking funds out of their bank account incorrectly and would not be upset that they have to wait approximately a month for the return of those funds. Would you accept this explanation?
In XX/XX/XXXX I purchased a XXXX XXXX XXXX through XXXX XXXX XXXX and obtained financing through United Auto Credit. After countless repairs and mechanical issues with the truck, I attempted to trade it in. At that point I was informed that the vehicle was only worth a few thousand dollars due to being deemed a total loss. 
Not only was the truck salvaged, but it included airbag deployment. 
I contacted United Auto Credit in XX/XX/XXXX regarding this issue and confirmed they they do not finance salvaged vehicles. After a lengthy conversation with XXXX of the superviosrs I forwarded them the supporting documents. The contract was entered into under terms that are fraudulent. Which voids the contract entirely. I put down XXXX on a vehicle that was sold to me for XXXX. I 've also invested a year worth of payments into something with no equity at this point. I 've continued to contact them regarding the lien release that needs to be sent so that I can move out of this vehicle but have gotten no where. I was advised that the account is with the Fraud dept, with no results. I also spoke with dealer compliance who was supposed to contact me and has n't. I do n't want this to impact my credit and I do n't feel like I should continue making payments on a cpontract that has been voided out.
This account was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year of XX/XX/XXXX and XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.
Synchrony Bank employs harassment and scare tactics in order to collect debts. I had already paid my debt, yet receive 8-15 calls A DAY from various numbers attempting to collect a debt that has been paideven after I expressly told them to stop calling me. 

They called at XXXX XXXX yesterday and the calls continued through XXXX that night. This happens on a DAILY basis. 

The man who called today told me he had a summons in hand and to be ready for the police to show up at my house within the next 48 hours. I said I wish youd show up so I could have YOU arrested for harassment. The number he called from was ( XXXX ) XXXX. The call came at XXXX XXXX est. this same man also told me my credit would be forever ruined if I didnt pay up. He also threatened to have my wages garnished. Again, I have a XXXX balance and have closed my card. 

These people absolutely refuse to honor requests for no further contact and call excessively throughout the day and evening. I now understand why Synchorny Bank has class action law suits filed against them. I have a XXXX   balance on my account and even closed my card in an attempt to stop the harassment but it continues regardless.
My computer was hacked by a company called  XXXX   XXXX   XXXX , by a man named  XXXX   XXXX . He then sucked me into a banking scam that resulted in him ( and/or his company ) transferring a cash withdrawal fro m one of my Fifth Third cre dit cards in the amount of {$7000.00 } (   one tr ansfer for {$2000.00} and a second transfer for {$5000.00}  )  into my checking account and then stole it. I filed a complain with the  Fifth Third fr aud department but got a letter back from them saying they had " conclusive evidence that I had made the  cash advance '' and that they only investigate internal fraud, not anything external. This came after I tried explaining the the gentleman from the Fifth Third  fraud dept. what had happened, but he told me he had enough information and they " would bet back with me ''. I assumed that meant they would get in touch with me for a more detailed explanation of what happened and how I got scammed, but it did not. They simply made their decision based on partial information and did not seem concerned with the entire story. I have since reported my fraud complaint to the FBI  Internet Crime Complaint Center ( IC3  ), but have not heard anything back from them yet.
On Sunday XX/XX/2018, I had received notice from a XXXX XXXX   that it was new inquiry was added on my Equifax report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.
They have called every day for Months several times daily. From different numbers. While am at work and even at night. 
Called 6 times in a row on day. 

XXXX XXXX XXXX XXXX provided horrible service. I have on record with them how much of problems I had with this system it's on for the termination of the contract that I owe, because no one informed me it was a 2 YEAR CONTRACT!!
My first call with them was very abrasive I had no idea that my account that was joint with my deceased aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3 times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold Sallie Mae harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she died shortly after those calls and now I'm grieving her death and this mess with the XXXX XXXX and Sallie Mae.
XXXX appeared on my credit report. It shows a medical bill from XXXXXXXXXXXX XXXX. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXXXXX  really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.
I have disputed unauthorized inquiries o n 2 occ asions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX
Portfolio Recovery did not stop calling me. Portfolio Recovery states they bought a debt from a creditor. I have no signed agreement contract with Portfolio Recovery. therefore I demand they remove the false information in my credit report by XX/XX/19 or I will seek legal action.
want to get credit report from XXXX XXXX, some credit agency that just popped up that ive never heard from before, the other 3 I obtained my reports online, this one wants me to fax a copy of my social security card, doesnt seem safe at all, they are making it not easy to obtain my report for which i was denied credit,
The Company XXXX emailed me a paycheck and it was printed and sent to Bank of America. They deposited the check and then sent it XXXX XXXX who was the bank for the check. XXXX XXXX determined the check to be FRAUD. Bank of America then returned the the check and mad me a negative balance. This FRAUD Check has caused a huge proble, for me being able to open up a checking account. This needs to be removed from my Bank of America Account so I can get my life better. This has caused many issues for my banking ability. Please have it removed.
Select portfolio servicing bought our mortgage about 7 years ago and I recently started noticing that there were extra charges on there besides late charges. They keep telling me that they are charges they do n't have to explain to me so I requested my loan information from the time we bought the house. I have asked twice now and they will only send me the last 7 years stating they do n't have to show me any paperwork from when they bought the loan or copies of any charges that have accrued ... .In XXXX I paid them XXXX house payments at which time they said I was still XXXX behind so in XXXX sent another XXXX plus extra for late charges. What I do n't get is in 15 years of having this mortgage they claim my payoff is still the original amount of the loan I just do n't think that could be right. Please help as we are still at almost an 11 % interest rate too!
This account has been moved to the state of Idaho and is being paid with a positive payment history. This is a closed account with no ballance or debt remaining
On XXXX XXXX, 2015 I went to Citizens Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX for usual routine of withdrawal of Child Support money on my XXXX State Debit Card, which I 've been doing for years due to XXXX state contract with Citizens Bank. Upon speaking with the teller, I was told to wait because she was unsure of the current procedure. Teller informed her Supervisor, XXXX XXXX who informed me that I would be unable to withdraw full amount of {$1100.00} and limited to {$500.00}. I informed Supervisor that is not accurate and I 've been doing this for the past 10 years since I have moved to CT. The Supervisor requested a picture I.D, which was provided, but due to address change sticker on the back of my license, which is required by State Law and was done by DMV, she questioned my identity. Mailing address was verified by providing her with XXXX letters with my name and new address that matches my I.D . All of this happened in the middle of the bank, while other people and tellers witnessed embarrassment that Supervisor put me through. Proving my identity was not enough for her and she went to her office to make a phone call to report and verify if she can proceed. When she came back, I was informed that she would be able to " give me all of my money that was requested earlier ''. At that point I felt extremely humiliated and decided that I was no longer interested in the transaction. I informed XXXX XXXX XXXX, that I was mistreated and she used her authority to embarrass me in front of others. As a Branch Manager she should have handled this situation with more professionalism. Supervisor last comment was : " You are not a customer and I do n't have to take care of you ''. After last comment I just walked out of Citizen Bank.
i have submitted all the proper documentation for a block on my credit report, in accordance with section6058 of the fair reporting act.