WillisBack/dataset-financial-user-claim huggingface dataset:
In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them, them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.
I received a notice from XXXX XXXX XXXX XX/XX/2016 ( XXXX ). The charge says it was from XXXX XXXX XXXX. I called XXXX and told them I was unaware of any bill and if it was a result of a recent ER visit. My insurance paid all of that. 

XXXX XXXX was very rude and would not give me phone information nor address of XXXX XXXX XXXX. I tried my best to search them down. There is not a listing for them in the XXXX, TN or anywhere on the internet. I contacted the ER, the ER doctors and all bills have been paid. They never heard of XXXX XXXX XXXX. 

This collection agency is a fraud. I have seen other posts where they have done the same thing to others. I have tried to dispute the charge on XXXX but they responded with the charge was verified by XXXX. Well of course it is because they are the ones that filed the complaint to begin with. 

This is VERY WRONG. If there was a charge, I offered to give them my insurance info so they could be sure if the bill was indeed verifiable, they could file lthe claim with my insurance company. 

Please help. This is very frustrating. I have tried to keep a good credit. Paid off my car loan and am current on my student loan. I my XXXX bill on time.
This account is and has been resolved since XX/XX/2013 but Wells continues to report balance owing on my credit for the past few years.
On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Transunion concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND TRANSUNION NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION. Consequently, Transunion responded to my letter on XX/XX/XXXX by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX dollars because Transunion DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX.
I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.
I apply for a capital one student card. the card was very reliable and i could purchase thing where every need but the only problem was when it came to payment. I was always told to pay on price and it would cover the account and then you would pay that amount and the next customer service rep. would tell you that is not enough to cover the balances on the account. They would harrassed me on the phone about payment. and sound real hostile and it was always some kind of issues with late fees and over the limit fees. They never offered thing right assistance to bring account down. you speak to so many people and they are always losing docuement of you information or what was discussed on phone.
Equifax had a data breach in XX/XX/2017. When I inquired into their site I was advised that it was likely my information was among the data affected by the breach. Since the breach one of my credit cards was victimized by fraudulent activity. I have since had to shut that card down and have it replaced. I don't know what other actions might have occurred or still might yet occur as a result of the breach.
My husband and I have a joint credit card with USAA. We had mistakenly thought we made a payment on it, and we had not. Our mistake lead to us somehow going only XXXX dollars over the " limit '' which I 'm not sure why they allowed in the first place. Instead of contacting us to inform us that we were over the limit, which we would have payed instantly, they reported it to the credit bureaus and our scores have both dropped by XXXX points. Upon trying to contact them to resolve or dispute this issue, I was transferred around in circles between USAA and XXXX for XXXX minutes, and could not find a single person to explain why it had happened or provide any type of resolution for the future.
I applied for Student Loan Debt forgiveness program with the XXXX XXXX XXXX XXXX company and was advised that they could cut my payments down to just under $ 300/monthly for the next 10 years and then the loan would be forgiven. All I had to do was submit a couple of payments in the amount of {$180.00} for the representative to contact Navient and get me enrolled into the program. I called the representative as requested and I have yet to hear back and always receive his voicemail when I call. I would like to recover my payments and charge this company with consumer fraud. This was the last email I received from them on XXXX XXXX, 2017 : HELLO XXXX, This email is to advise you that I have submitted to NAVIENT Servicing your REPAYE application and your paystubs. I will monitor everything here in our office but ask that you contact me directly by telephone on XXXX XXXX, 2017. to  complete a conference call to NAVIENT Servicing. I will speak to them on your behalf and we will confirm that you are either at the last stage of your process or if it has already completed. IF YOU HAVE RECEIVED CORRESPONDENCE CONFIRMING REPAYMENT PLAN CHANGE HAS COMPLETED then we will not need to complete conference call. You can contact me directly to review correspondence with you. If you HAVE NOT received correspondence confirming completion of your repayment plan change by the scheduled date above, then please call me directly. You can contact me anytime during the day if my voicemail comes on it is most likely because I am on the other line with another client just leave me a voice message and I will contact you back as soon as I am available. Thank you and have a wonderful day. <P/>XXXX XXXX Senior Case Manager XXXX XXXX XXXX XXXX Main XXXX Ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX
. I have a banking account at Bank. I deposited a check last week into my account and Im having a real bad experience with the bank. I called to see where my funds are and somehow nobody knows where they are. I was wondering if you can help we with locating my funds. 

Thank you for your time,
Our Loan has sold a few times, Now trying to do a loan mod we see that our loan is almost XXXX grand Higher, and we have missed something in the process of Fees. Seterus, now Has our loan an can not explain what happened. We are now trying to take Part of what they deferred and put our loan back together. So many people got help, but we are stuck with a high interest rate, owning a home since 2006 upside down, willing to keep our loan/ home, but did recently file BK, Is there anyone who can help us get a good loan? and who tells us why our Home that we bought for XXXX, ( top of the Market ) putting our life saving down of {$110.00} down, to owe {$330.00}, is now {$370000.00}. Home is worth about {$350.00}.
I was XXXX in XXXX 2009. At that time, I was receiving XXXX for my XXXX. While XXXX at the XXXX, I spoke to a VA Representative who assisted me in stopping these payments while I was on XXXX. I filled out the paperwork with her, and we scanned it into the VA. I went directly to XXXX from XXXX XXXX. While XXXX, unbeknownst to me, I was still receiving payments. When the " stop payment '' paperwork finally caught up to the VA, payment was halted ; however, I had incurred a debt. Upon my return to the states and upon filing income tax returns, I discovered this debt. I contacted the VA, who informed me they had sent it to their XXXX XXXX XXXX. I fully paid the debt, satisfying the case against me. This past year, I have been attempting to clean up my credit report. I contacted the VA and asked them to remove this negative remark on my credit reports, especially since I was XXXX, unaware I had a debt, had tried successfully to stop payment, and paid the debt in full as soon as I became aware of it. I was informed they would not remove it. I would like it cleared off of all XXXX ( XXXX ) of my credit reports. I am still XXXX and hope to purchase my XXXX home soon. Any help would be greatly appreciated. Thank you!
I took out a payday loan with XXXX XXXX XXXX. Interest rates are triple digit and usually at least, blatantly illegal in Maryland which is my state of domicile. The original loan amount taken was XXXX. I have repaid this amount through withdrawals from my checking account. Total payments to the company were for XXXX which is more than the original loan amount.
Company claiming to get my student loans reduced through presidential grants. From {$57.00} to only {$6.00} over 248 months. They collect a fee of {$600.00} for their service included in the 248 months payment. They ask for no money up front, but asked for my debit card #, mine and my husbands SS # 's, and DL # 'S. I have continued to contact them for more information and never seem to get a hold of XXXX XXXX ( XXXX ). 
As XXXX XXXX suggested, I contacted XXXX, whom my loans are through, to have loans put on hold. This is because the total amount of {$57.00} was to be paid off in XX/XX/XXXX. XXXX informed me that there is no such thing and expressed to file a fraud claim.
I returned my leave vehicle to Kia Motors in XX/XX/XXXX. Kia Motors never sent me a final invoice. In XX/XX/XXXX, I received a note Dated XX/XX/XXXX from Kia Motors Finance telling me how much I owed. That same month, Kia Motors Finance reported me to the credit bureaus as being XXXX days past due. My credit scored dropped XXXX points. I called Kia Motors and paid in full. Then on XX/XX/XXXX, Kia Motors Finance reported me to the bureaus again as being XXXX days past due even though my account was {$0.00} and closed. My score dropped another XXXX points. I called Kia Motors Finance back and they said that I just have to wait. Mind you that I need a very good credit score for my security clearance. Kia Motors Finance acted as if this drop in credit score, which was caused by the company, was not a big deal. Well, it is a big deal for me and I have no idea when my score will go back to the original score, which I monitor closely as it is a must for my employment. I filed a dispute with XXXX and XXXX and they both informed me that it is up to Kia Motors Finance to rectify the issue and that my score will most likely not go back to what it was. Now, I am stuck with a poor credit score, which puts my security clearance at risk, all the while, I owe no money to Kia Motors Finance and I never received an initial final invoice from the company. Pleas help as my employment is on the line. Thank you.
Someone opened a Discover Card Acct in my name. I 've tried to get this resolved and reported as fraudulent but to no end. What makes no sense at all is that, this is the 2nd card that was opened in my name and written off through Discover card. How is it even possible to to that?
On XX/XX/18 I received a letter in the mail from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. I immediately called their XXXX number at XXXX XXXX XXXX. to dispute this debt. First person asked to verify my address. When the address didnt match up, the phone call was subsequently disconnected. I then made a second attempt. The second young lady was polite but insisted that since my address didnt match up in their system, she was not authorized to continue the call because there was nothing she could do to further verify why I received a debt collection letter. The letter shows that Transworld Systems Inc, represents XXXX XXXX XXXX XXXX, and claimed that I owed a current balance of {$230.00}. However, I nor anyone under my household has ever had an account with XXXX XXXX XXXX XXXX. I request that Transworld Systems Inc, along with their client XXXX XXXX XXXX XXXX, remove any and all information linking me and my property from their database and systems. This is the first and hopefully final step in rectifying this mistake. I will accept a letter of confirmation that this mistake has been fixed.
My complaint is against Wells Fargo Bank. In a letter ( see enclosed ) that I submitted to the Office of the Comptroller, the response from Wells Fargo was that they had difficulty with 3 payments in the course of two years. It states that XX/XX/2015 the monthly payment of {$210.00} was returned due to the wrong routing number provided. All three payments have been made, however, Wells continues to " pyramid late fee payments. '' Each payment is {$39.00}. They are now stating that I owe {$600.00} in late fees because they keep adding as they go along. I only owe XXXX late fees, totaling {$110.00}.
XX/XX/2017 XXXX sent me a letter saying 2 accounts from common wealth financial systems inc. were deleted ( they were not mine ) and on XX/XX/2017 those 2 accounts were sold to another creditor whom is now re inserting them back onto my credit amounts of XXXX , XXXX . They arnt my debt yet they are putting them on my negative credit which were previously deleted by XXXX XXXX. Debt collectors are, XXXX XXXX XXXX  and XXXX XXXX XXXX.
I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit may and XX/XX/2018 XX/XX/2018 XXXX XXXX   never late XXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX Toyota financial never late XXXX XXXX  and may this has happen before
I purchased an item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) online from a website ( XXXX ) on XX/XX/XXXX using my PayPal business debit card linked to my personal PayPal account. The order total was {$190.00}. The item was expected to ship promptly but when I still had not received the item a month later I reached out to the seller. The seller ( XXXX ) responded to me on XX/XX/XXXX. " XXXX  '' from their costumer service department told me he had looked into my order and was awaiting a response from their " fulfillment '' department in order to give me an updated expected delivery date. He said their " inventory systems '' were down for " a couple of weeks '' and consequently asked me to be patient and expect a potentially extended delay.

Since " XXXX XXXX '' response I have not heard further from the company. I took the claim that the order was being looked into at face value and assumed the item would arrive sooner or later. In the meantime I all but forgot about the order until today when I decided to look back into it. I found out that the website no longer exists, and the customer service email address has been deleted. I reached out to PayPal and was told they could not help me since the order had been placed on XX/XX/XXXX and was 12 days outside of their 180 day dispute window. A supervisor from PayPal 's dispute office suggested I submit my claim here.

A cursory review of claims about XXXX on the XXXX XXXX website seems to suggest that XXXX XXXX m.o. was to string customers along the same way they had done with me and to claim that a refund would be granted if the customer preferred to cancel the order, but apparently ( as per the many complaints on XXXX  ) they would not issue the refunds ( customers told " expect to see credit reflected on bank stamens within 5-7 business days '' or similar, but no credit would ever appear ) and the customers only received their money back when their credit card company overturned the transaction. It would seem that XXXX may have been an entirely fraudulent operation but since I was told to wait patiently and only now, 192 days ( 12 days past PayPal 's 180 day window ) do I see that the order will never be fulfilled, I am out of luck and unable to be helped by PayPal or XXXX.
Addendum to complaint number  XXXX . There is NO unauthorized third party. Please proceed. Thank you.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Accelerated Fin My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
The public record information TransUnion is including in my credit file related to an alleged bankruptcy is inaccurate, incomplete and not verified, and has been in full dispute for over two months. I have sent four letters to TransUnion, all by certified mail, requesting that they remove the inaccurate and incomplete public record information from my file and they have failed to do so. 
I disputed accuracy and completeness of this public record on XXXX/XXXX/16, TransUnion claims it verified XXXX/XXXX/16, however the record lists a County courthouse address, not Federal Bankruptcy Court, and lists a disconnected phone number. I requested investigation details from TransUnion on XXXX/XXXX/16, TransUnion sent a letter on XXXX/XXXX/16 describing their investigation procedure. No contact name or documentation was provided. I sent a third dispute letter to TransUnion on XXXX/XXXX/16 with a copy of a letter from the US Bankruptcy Court stating they do not report any bankruptcy filings to any credit reporting agencies. The information in the record in plainly inaccurate. The address they claim for the US Bankruptcy Court is the address for the XXXX XXXX XXXX County Courthouse, not the US Bankruptcy Court, XXXX XXXX of California, XXXX. This fundamental inaccuracy calls into question the accuracy and completeness of the entire record. I maintain the record is inaccurate and incomplete. 
In TransUnion 's letter dated XXXX XXXX, 2016, they claim to have verified the information in the record and identified the provider of the information as XXXX FEDERAL COURT XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX. They are falsely claiming a California XXXX Court verified the details of a Federal Bankruptcy case. Further, in XXXX, the court ruled that a credit reporting agency ca n't claim a court or government agency verified information simply because they do n't do it, and they would be the only party qualified to make a verification regarding this alleged bankruptcy, and they did not verify. 
The Office of the Clerk of the Court, United States Bankruptcy Court, XXXX XXXX XXXX California, has provided me with a written statement indicating they neither furnished the information nor verified the information as TransUnion has claimed. I have provided TransUnion with a copy of a letter from XXXX XXXX XXXX, of the Office of the Clerk of the Court, stating, " The United States Bankruptcy Court, XXXX XXXX of California does not report any bankruptcy filings to any credit reporting agencies. '' TransUnion is providing inaccurate and incomplete provider information in response to my request under the Fair Credit Reporting Act. I requested verification information pursuant to Section 611, paragraph ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act. In TransUnion 's reply dated XXXX XXXX, 2016, they failed to provide ( b ) the correct name of the courthouse ; ( c ) the person 's name they verified the dispute with ; ( d ) the correct address ; ( e ) the correct telephone number ; and ( f ) the documentation used to verify the dispute.
I received a phone call from a company  call C &amp; M associates  who told me I owed over {$4000.00} on a credit card account issued to me by  XXXX  Bank in  XXXX . They offered to settle the debt out for {$1700.00}. After going over my records I could find no information that I ever had this credit card, nor any indications from my bank records that I ever paid anything on this account nor does my credit reports show any indication that this account was in arrears. To the best of my recollection I never had this account, never received statements from that bank, nor did I ever receive any calls or dunning letters from collection agencies, other banks who bought out this debt from   XXXX   XXXX   until yesterda  XXXX    XXXX   . After 14 years I talked to only the man who called me yesterday and offered me a settlement on this account. He never identified himself as a debt collector and when I asked him if he worked as a debt collector he said no that he worked for a debt acquisition company. I asked this man to send all documents pertaining to this account and he agreed. Although he never orally told me the name of the company he worked for it showed on my caller ID to be  C &amp; M associates. I looked up the company online and contacted them. At first they told me they had no information at all under the case number provided to me. Then I was transferred to another man who told me the case had been closed. However he could not open the file himself and I was directed to a supervisor who had access to the file who opened it and said it was closed to do " refusal to pay ''. I never refused to pay but asked for documentation of this debt. I was then told I could settle this debt for " let 's say {$500.00} '' and I said no that until they could show me some documents which showed I actually owed this debt I would not pay anything to resolve the matter at hand.. He promised to look into further and contact me if he found evidence of ID THEFT. As  I said above over a 14 year period I have never received any communication from  XXXX  Bank, Collections Agencies or any of the banks that  XXXX  Bank sold out there credit card debt too. As I understand it this debt was sold to   XXXX   XXXX  , then to  XXXX  and finally to  XXXX  &amp;  XXXX . After that it was sold to a number of debt acquisition companies before ending  up with C &amp; M Associates. As I h ave said, first the man I spoke to did not inform me he was trying to collect a debt, and I over a 14 year period have never received any communications in any form as to the status of this credit card account, so I was never given a chance to dispute it, plus there are no record of this debt on my credit reports or my bank records. I am left with many questions about  XXXX  Bank a nd C &amp; M Associates.  It is hard for me to believe that this debt was floating around for 14 years and I never received any communication from a  Debt  Collector, nor that it does not show in anyway on my credit reports. I am dumbfounded by this and any advice your agency would provide me would greatly be appreciated.
Others frauded my documents and to pull naming scams using XXXX herds of IDs and XXXX business permits and XXXX internet off my credit file and birth certificate Other pulled like frauding scams my credit files for XXXX plurized fraud scams fraud scams frauding my documents Others frauded my documents as mailing address Others frauded my documents as politican Others frauded my documents as police and sherrifs in many states Others frauded my documents as XXXX XXXX   XXXX Other frauded my documents as bedroom products