WillisBack/dataset-financial-user-claim huggingface dataset:
Credit Management Control, XXXX XXXX XXXX, XXXX, WI XXXX attempted to collect a charge for a missed medical appointment that I proved to the collection agency that I called the doctor 's office 2 days prior to the appointment to cancel. The clerk at the doctor 's office clearly did not cancel the appointment on their calendar. Credit Management Control communicated with me and stated that they would no longer attempt to collect the debt. However, they continue to refuse to remove the collection account from my credit report. I filed a dispute with the credit bureau but Credit Management Control now claims that they verified the debt. I am requesting that this collection account be removed from all XXXX credit reporting agencies because this is a fraudulent collection account as I do not owe the funds. Thanks.
I am in correctly being wrongfully reported as, " late payment '', on my car loan. I bank with Wells Fargo and have a car loan with their, " Dealer Services '', division of Wells Fargo Bank. I sent XXXX payments to Wells Fargo through their bill pay portal attached to my checking account to pay for my Car loan payment. In XXXX occasions the payments were not processed immediately, they were processed several days after I had authorized the payment and thus rendered late by, " Dealer Services '', claiming that they are separate divisions and if I want a payment to be process immediately I have to do it through the dealer portal, which I since have started to do. The last payment that was authorized on Saturday the XXXX / XXXX / XXXX and was not processed until the XXXX/XXXX/16 on the other end of the, " Dealer Services ''. This is the same bank, Wells Fargo, and they have deliberately reported negatively to stop me from pursuing a refinancing on my car loan that is at an Extortionate rate of XXXX % for this loan. They refuse to refinance it and are attempting to sabotage my credit score by withholding payment and not processing my payment on time to impact my credit score. 

Please help me take these negative listings off as they are the only negative information that is on my credit report and impacting my ability to qualify for a mortgage loan. 

Thank you very much for all your help and great service you provide to the consumer.
XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
I leased a XXXX XXXX XXXX in XX/XX/XXXX ( 3yr term ). In XX/XX/XXXX I terminated the lease under the Dieselgate class action settlement. As a requirement of lease termination I settled all prior and future liabilities with VW. 

On XX/XX/XXXX, I received a bill from VW Credit indicating I owe {$140.00} in excise tax. The letter is undated, but includes the threat that I will be reported to credit bureaus if I do not respond within 30 days. 

I will be following up with Volkswagen directly, but given the situation, I believe this to be fraud. There is no way that the company could be unaware of my decision to surrender the vehicle in XX/XX/XXXX. I am reporting to CFPB in case other defrauded ex-customers are receiving similar notices.
PNC Bank has failed to provide a substantive response to Case # XXXX. In support of my previous claims of abuses and overcharges is attached the consent order where CFPB has already found that National City Bank and PNC Bank have behaved in a discriminatory manner towards its customers. The mortgage I currently hold fits the settlement criteria except that I do not fit the race profile. However, I would ask that consideration be given to extending the criteria to those covered by the Servicemembers Civil Relief Act ( SCRA ) as well. In addition to the other abuses, PNC used the SCRA rate to their advantage by charging the 6 % rate when a lower rate was possible for the borrowers. I was forced to accept an inaccurate repayment plan, and I 'm not being permitted to make principal payments or having my credit report updated so the abuse continues even after repayment has occurred.
on XXXX/XXXX/15 my paycheck was deposited in to my checking account i have wit bb & t bank .i made a series of purchases and payments that i had enough to cover from my paycheck which was XXXX .upon continuously checking the account my wife confirmed that the balance was going down as expected as normal .as the weekend approached we had XXXX bills that popped up unsuspectingly so we paid those not realizing we did n't have the funds to cover them fully until we checked the account later however all the prior purchases were covered as the available balance was decreasing as the purchases were being cleared. the last available balance was XXXX and the pending purchases did n't exceed that or equal it. the final to payments we made which ended up in overdraft would normally have placed us in the negative at least XXXX but instead we received an overdraft notice for XXXX for XXXX purchases that was supposed to be covered with XXXX that was left in the available balance.After at least XXXX phone call and tears from my wife 's eyes because we could n't get help as every person we talked to tried to cover the banks crooked practice in bank babble we finally talked to a young woman who acknowledged that because we overdraft on the final XXXX purchases the previous XXXX also went into overdraft which is basically saying the XXXX just disappeared into thin air and does n't matter and they charge us overdraft fees for things that were already paid for out of the available balance and the last XXXX purchases are still pending so that would be an extra XXXX in overdraft fees totaling to XXXX. if we made a mistake we have acknowledged it and were willing to pay the balance on the last XXXX purchases but the prior XXXX purchases were paid for as we had the money to pay for them and the digression of the available balance reflected and even thev last teller acknowledged that had we not made the final XXXX purchases we would still have been in the positive so what we have here is FRAUD basicaly they held all the smaller transactions that were made earlier during the weekend until we made the bigger purchase then they cleared the small purchases to be able to charge us overdraft fees for all XXXX of them .then a week later we received a penalty for a transaction we were told they could n't block although we told the it was fraudulent and the result of a dishonest broker who told us we were purchasing health care when in actuality we were purchasing life insurance .Ive reviewed many complaints about this bank by many people and have even seen a lawsuit over this same fraud. this bank is breaking the law and no one is doing anything about it .they even altered the transaction records to confuse us but we were constantly checking our transactions on the android app so we know we were doing the right thing
frost Arnett is attempting to collect a debt with out sending validation, the invoices sent do not have any information that is correct nor do they have my signature. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I  do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
I have a IRS lien in the public record in  XXXX   XXXX , FL that has been resubmitted by the IRS with new totals and dates and Equifax refuses to update/remove this from my credit file .  XXXX    and  XXXX  have corrected the errors and have updated the IRS information ; but Equifax steadfastly refuses to update or remove this inaccurate information.I recently lost the opportunity to lease an apartment due to this inaccurate lien reporting on my Equifax report.  Equifax  is relying solely on a third party they use. (  XXXX  )
I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and this violates my rights as a consumer.
XXXX XXXX, has a charge off account reporting on my credit profile negative, I have never had an account with this company. They have refuse to respond to my debt validation letter, and proof of claim
On  XXXX  purchased  XXXX  products for shipping only.  XXXX  for {$5.00} and the other for {$5.00}.    XXXX   XXXX   Received cr edit card bill on  X/XX/17   , opened statement to review charges. Found the above charges and tow additional charges I did not agree to. They are :  XXXX  FOR {$92.00}  XXXX  FOR {$92.00} On  X/XX/17   , I called the credit card company and the company of the products. I was told I could not have my money refunded because I did not call within the 14 day free trial period. I told them I did not agree to this. I was told I did agree to this when I clicked the " By clicking below I agree to the terms and conditions and am  18+ y ears old. '' However, I never saw any terms and conditions. The terms and conditions did not have a link to go to to read the terms and conditions. However, the credit card company and the products company refuses to refund {$92.00} and {$92.00}.
Near med XX/XX/XXXX I open the Sears master card there was a purchase of things cost {$87.00} - {$36.00} as credit the balance is {$50.00} In 23 same Mounth XX/XX/XXXX I left out side the country my mail collected by a freind I came back to america XX/XX/XXXX going thrghue my mail find out the credit balance and charges inXX/XX/XXXX i went there discosed the charges they wave one of the charges and pay the balance of {$120.00} and close my account I explane to them my setwaytion and why i did not pay that bell that if I am in the country i will pay it on time but they report it. It is affecting my credit report what can I do? will you pleas luck at it and do some thing to clear my report of this bad credit thank you Sincerely XXXX XXXX phone : XXXX Email : XXXXXXXXXXXX
These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor! 
XXXX XXXXXXXX XXXX XXXX Westlake Financial XXXX XXXX XXXX XXXX See attachments all arent consented
CRA violation no knowledge fraudulent accounts on my Experian credit report. XXXX ID Theft Report # XXXX
I received a phone call on XX/XX/XXXX from a so called Eastern Account Systems. They stated u had an accou t with XXXX that went to collection. I asked them to send in writing to validate the debt they were charging me with and they said that they couldnt discuss my account then. Now this so called company reported to my XXXX report the mentionrd debt that they didnt want to send any type of documentation on by mail or discussed it o er the phone because i refused to give them my social security number o er the phone.
I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
My credit report reflects a history of payments per agreement for ALL debts except for Macy 's. In 2007 I opened a Macy 's account, and at Macy 's recommendation, also opened separate accounts for jewelry and furniture purchases. Over the subsequent year or XXXX Macy 's consistently mis-applied my payments on these accounts, resulting in delinquencies on some and positive balances on others. I tried sending XXXX payment, then XXXX separate payments, but nothing resolved the problem.I had to call Macy 's every month to re-allocate the payments. I finally closed all accounts because of the frustration and because I knew that this would hurt my credit, which it has.
Convergent Outsourcing wants me to call a phone number about a debt. I have no debts. That company 's phone number in the message was  XXXX .
I consolidated my federal student loans last year. A few years before that, my parents helped pay off of my loans. I have the documents that the loans have been paid off. I keep submitting the official paid off loan documents to Fed Loans, where I consolidated my loans with. They refuse to remove this balance, although I have proof that the loans have been paid off already. Right now, I put Fed Loan on forebearance until I can figure out how to remove this XXXX, XXXX plus balance.
Ally Bank charged an overdraft fee when, on my account, it is clearly stated that the deposit posted before the debit. They said there was a " hold '' placed on the deposit, but there is no record of it. When asked to refund the overdraft fee, they said no. This happened once before and they admitted their mistake and refunded the fee. 2nd time around? No refund. After going round and round with them, they STILL could n't tell me WHY I was charged the fee other than the " hold '' on the deposit- again- even though the deposit was posted AND time-stamped BEFORE the debit.
This account is fraud. The account was deleted in XX/XX/XXXX. The account was reposted on my credit report back in XX/XX/XXXX. This account is not mines.

OTHER LOANS 1. XXXX XXXX XXXX   {$4100.00} These inquiries were deleted once and were reposted almost a two years later.

Inquiry details XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX   Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   Bank Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Automobile Dealers, XXXX XXXX Inquiry fromXX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry fromXX/XX/XXXX Miscellaneous Reptg. Agencies
Multiple calls a day all from credit Corp solutions but each one has a different city and state that the number originated from. They ask for my date of birth and I just hang up.
i was contacted by the iq data international folks I was told by a rep that the property was purchased by a different company and that because it was owned by a new XXXX that they needed to cover the debt I agreed that I could make payments as I was doing previously then the next week I was contacted by a XXXX XXXX stating that I was needing to make a full resolution of the amount or they would make some thing bad happen when I inquired about the " next action '' I was told nothing I agreed to attempt to make a payment they withdrew an incorrect amount from my account throwing my whole account into turmoil when I had called before the check went through stating I could make part then and part in 2 weeks then he said ok then I was contacted XXXX by XXXX again stating that he was mad the check did n't go through and if I did n't rectify the situation then he would go forth with further collections activities when I asked for proof of the debt he said he did n't need to provide that
I previously filed a complaint with the cfpb about my mortgage company wells fargo, and am having a hard time logging on to dispute it so I am filing a new one. They are stating that they did not know there was a stay on my property, they have the paper from the judge dated XXXX/XXXX/XXXX stating there was a stay untilo modification completed.They also stated that my home was not illegally sold, against the judges order, on XXXX/XXXX/XXXX, when in fact it was put up for sale that day and did note sell. The bank then took it back, once the sheriff department caught what happened, it took about 2 weeks for the deed to be put back in my name. Believing that they owned the home once again, they immediately filed an eviction motion with the court. Again they are stating this all did not happen when I have proof that it did. They did then move forward in an attempt to sell the home on XXXX/XXXX/XXXX because they believed that they held the deed on the property. It was stopped becasue I filed a motion to compel/force the order, the judge ruled on in XXXX. I now have the opportunity to go before the judge to tell what they have done.The judge informed the attorney for wells fargo that they had the right to appeal her decision. They did not and instead refused to follow her order, waited a few months and then tried to foreclose on the property. They are well aware that there was a stay issued on my property. That is why they were unable to foreclose on the property in XXXX. Also at this point I have been receiving calls and letters from wells fargo, each time with a new person who is supposedly my point of contact. I do not have a single point of contact. On XXXX XXXX, XXXX I received a letter from XXXX XXXX who informed me that she is now my Home Preservation Specialist. They are claiming that she was my point of contact from XXXX XXXX and that it is documented several times that she attempted to reach out to us and we never responded. I have never not answered or returned a call from wells fargo, in hope that maybe the call would contain good news for a change. This woman was never my point of contact. My contact was a mister XXXX XXXX, a horrible rude human being. I am attaching all papers to this complaint so that I can show that there response to my first complaint is an out and out lie.
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ), credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX on XX/XX/2018 .I have not informed or recalled of any association with these company. I have contacted XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.