WillisBack/dataset-financial-user-claim huggingface dataset:
Creditor Information FRANKLIN COLLECTION XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Attn : Resolution Department Re : FRANKLIN COLLECTION Dear Collections and Consumer Relations Dept : I am writing to dispute the following information in my credit report and/or file. I have circled the items I dispute on the attached copy of the report I received. 
This is the second time I have been informed that there is negative information reported by you Franklin Collection and the original alleged creditor ( s ) XXXX XXXX XXXX, in the records of the credit bureau records for XXXX XXXX XXXX which maintains under my Social Security number. Upon ordering a copy of the report ( s ), I see an entry from Franklin Collection for an alleged amount of {$0.00} dollars. Secondly you state that I had a high balance of {$42.00} which is also inaccurate. 

Please validate this information with XXXX XXXX XXXX and your records, and provide me with copies of any documentation associated with this alleged amount you state I owe bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security number and removed from the all three ( 3 ) credit bureaus. 

I am formally requesting that you provide validation of this alleged debt and in the absence of any such alleged debt that you immediately remove any and all information that you have reported to the credit bureau. I am formally disputing and officially notifying you that I dispute any and all alleged debts stated in your notice. XXXX XXXX disputes your debt collection-related allegations and inaccurate reporting, denies the same, and demands strict proof and verification thereof. This dispute, denial, and demand are made in accordance with federal law. Pursuant to the XXXX Fair Debt Collection Practices Act and the Federal Fair DEBT Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) your claim is disputed, and validation is requested. 

I am finding it very difficult to apply for credit and gain access to credit because you have reported inaccurate information.
On XX/XX/XXXX at XXXX AM XXXX XXXX at XXXX, from Cawley & Bergmann told me that an acct I had with XXXX ending in # XXXX in the amount of {$4800.00} was being collected by XXXX. I asked XXXX XXXX for validation of the debt because it was from XXXX or XXXX and I had been a victim of identity theft. He then stated that if the debt is validated then other legal action could be taken against me, by a lawsuit, and then asked me if I would like to settle the debt for {$3100.00} or something close to that. XXXX XXXX tried to scare me into a settlement by telling me XXXX would obtain an attorney and take me to court.
Dear CFPB, XXXX XXXX XXXX, XXXX, Transunion, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the XXXX loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to XXXX XXXX be mailed to me. I am asking XXXX XXXX to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and 3 personal loans in my name in the state of Nevada. Now there is another loan. With XXXX. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to XXXX XXXX XXXX XXXX To all 3 credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that XXXX XXXX operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.
capital one card, state that someone has open anccount in my named, that's being reported,30days late,60days late, aftering finding this problem is going on they refuse to correct this, problem, they owe me a deposit of XXXX. dollar, on the only account that I opened with them, ending in XXXX, which I closed.
For the past month, my wife and I have been in the process of refinancing our home mortgage. The new loan has been approved and we were to close XX/XX/XXXX. This did not happen because Bank of America refuses to remove an old equity line lien. They should have done this in XX/XX/XXXX and they know this. For the past month they have lied to both my title company and myself. They keep saying they will remove the lien and provide proof of this to the title company in 5 to 10 working days. As of this writing, they still have not removed the lien. Every time either I or the title company contacts Bank of America, we get the same runaround. In my lifelong experience, this is typical of this particular bank and its employees. Meanwhile, my loan closing is being held hostage.
This is being done purposely and there is no other explanation.
I was stupid when I was younger I believed the college loan programs estimates of what I would be making in my area when I graduated college! These people would not lie ... would they??? I was contacted by Allied Interstate ( formally XXXX XXXX ) for my defaulted student loan. The person who contacted me knew nothing about my background and loan information so much so, that I indicated that I wanted to check this company on line. Have you checked this company on line? If not, please do, it is interesting as to what has been said. The sad thing is this company still seems to be doing the same not posting payments indicating people owed more after the payment term was up, etc. ( found info on line ) With student loans if you do not repay they trash your credit then you can not get a job that pays you enough to live so you remain in default! No wonder so many just refuse to repay .... or just can not repay! I want to repay my loan but I want to repay my loan to a company who actually knows me and my situation not just out to make a buck! Does n't really surprise me that the government chose this company ... Does it really surprise anyone that the government student loan default ratio is so high???
After chapter  XXXX  completion my credit report is full of spiteful errors from creditors. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law.
I made my XXXX/XXXX/XXXX mortgage payment to Loancare. I then requested a payoff of my mortgage through XXXX/XXXX/XXXX. I then refinanced my mortgage with XXXX XXXX on XXXX/XXXX/XXXX and the payoff applied to my Loancare mortgage on XXXX/XXXX/XXXX paying everything in full. 

On XXXX/XXXX/XXXX Loancare took an additional {$52.00} PMI from my escrow account overage that was getting ready to be cut to me as it was overage from my payoff. 

I called Loancare and all they can tell me it was taken Bc PMI is paid in arrears but my argument is this additional PMI was included in the payoff through XXXX/XXXX/XXXX. They said no it is never included in the payoff. ( This makes no sense to me, Bc why do I even request a payoff if they have extra hidden fees ) they said they ca n't help me anymore and to send in a written request. 

I have only had problems with them since XXXX  transferred to them. If you can please help us as I feel like we are getting fleeced an extra {$52.00} on top of the payoff we paid to them. 

Thanks XXXX XXXX
Pinnacle Credit Services is a collection agency that has multiple dba's/aka 's in multiple states. This collection agency has removed and reinserted the same account into my credit file multiple times for a debt that is well beyond the statute of limitations for the state of Georgia. They have dishonest tactics such as changing the last activity date in an attempt to re-age the time allowed for the negative information to remain in my credit file. They have changed the amount owed and reinserted the account into my credit file under one of their many dba 's after the account had already been removed from my credit file as shown in the attached files. This company is so bold and egregious in their tactics, they have listed one of their dba 's as the original creditor in my XXXX credit file and report ( as shown in the attached files ). You will notice that I have attached my XXXX  and XXXX credit reports that were pulled on XX/XX/XXXX as well as XX/XX/XXXX to provide a visual example of the unfair and deceptive tactics used by this organization. The name of the collection agency, Original Creditor, Balance and account numbers all changed from what they were in XX/XX/XXXX to what they are now in XX/XX/XXXX. [ Equifax Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services LLC| |Original Creditor : XXXX XXXX |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now : - ( blank ) | |Original Creditor is now : Pinnacle Credit Serv ( Yes ... They are now listed as the Original  Creditor!! ) | |Balance/High Balance is now : $ XXXX| |Account number is now : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- [ XXXX Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services| |Original Creditor : XXXX XXXX XXXX| |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now - Pinnacle Llc| |Original Creditor is : XXXX XXXX XXXX| |Balance/High Balance is now $ XXXX| |Account number is now : XXXX Not only is this alleged debt well beyond the statute of limitations for collections and beyond the statute of limitations for it to be reported in my credit file. The unfair and deceptive tactics used by this collection agency are in direct violation of the law, according to the Fair Debt Collection Practices Act ( FDCPA ). The many names, dba 's and aka 's under which this company operates are listed below : XXXX XXXX XXXX XXXX dba/aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX, SC XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX   aka/dba/Pinnacle CS/Pinnacle Credit Serv/Pinnacle Llc 1XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX
I received a Payday  loan  XX/XX/2014  and  I was making payments until I lost my job and I contacted agency to see if I could post  pone  my payments until I began working again they refused my attempt and I have n't heard from them since until today I received an email threatening to arrest me
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX. As I always do when checking in I tell the person at the desk that I can only see doctors that are in network with my insurance. They had me on a stretcher in the hallway and a doctor walked up to me and introduced himself as XXXX XXXX. I asked if he was in network with my insurance, XXXX XXXX, he told me no so I refused to be seen by him. I called the number on the invoice that I received from his office and explained that he did not treat me as I had refused treatment. I assumed it was over and they had adjusted their records. About 7 months later I start receiving phone calls from XXXX debt XXXX. I attempted to explain the situation several different times and was greeted with condescending remarks and threats of jail. I was screamed at, cursed at, threatened and harassed repeatedly. To this day I still receive phone calls which I do not answer. This has caused me severe anxiety for which I have had to start seeing a XXXX and get put on medicine. I pray that you can do something to help me and to prevent them from mistreating other people in the future.
I have ebill and auto pay set up through USBank for my gap credit card. I have selected the option to pay the entire balance upon receipt of the bill. I noticed that two payments were made in a row for {$25.00}. I thought this was strange and investigated. In both cases they paid only the minimum payment and not the full balance as was requested. I incurred interest fees due to this. When I called USBank they confirmed that despite the settings that they offered me, I selected and they confirmed, that the option to pay the entire balance did not really exist for this vendor. This is completely false advertising and while it did not cause my major financial strain, it could result in large interest fees for other consumers. if this is a known issue, US Bank should be required to make their previous customers whole and STOP promoting this service until they can technically execute on it.
After I completed my XXXX XXXX application and was ready to start my trading experience a person called not saying their title or what there reason was to call me other than they found I had a new account, without me ever asking for their help or ever specifically calling them. I think this is a scam service and do not want XXXX XXXX 's help, or anyone 's help that does not state their business reason for getting my phone number and calling me. Anyone that calls should state their reason, professionally. 
The message included the following : Hi, XXXX. This is XXXX XXXX calling from XXXX XXXX calling about your new brokerage account. When you get an opportunity please call me at XXXX. My extension is XXXX. Thank you and have a wonderful day bye. 

This was not professional at all.
How many times do I have to tell the special people at Equifax that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, that IS A LAWYERS OFFICE AND NOT RESEDENTIAL. That proves right there that XXXX XXXX XXXX account is not mine. Also, I was told on XXXX XXXX that nothing was ever reported to you, more holes are opening in your story then there are holes in city streets. I also want to know why XXXX XXXX XXXX told me the account was closed in XX/XX/XXXX and you said XX/XX/XXXX, how are you people allowed to even be in this business? Next, as of XXXX XXXX, XXXX XXXX has told me they never communicated with you, funny how they will verify information to you and not me. Next, XXXX XXXX XXXX should have never and should never be reported as it is not mine and was discharged in settlement. Lastly, XXXX XXXX XXXX has informed me that they have requested their information be removed from my report due to a pending lawsuit against their client that they did not want to be involved with so why is Equifax keeping them up there. I want to repeat this one point again, I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, THAT IS A LAWYERS OFFICE AND NOT ZONED RESIDENTIAL!!!!
I cancelled my XXXX XXXX in XXXX 2017 and gave 30 days notice. They billed my credit card in XX/XX/XXXX, which was for the month ahead, XX/XX/XXXX. XXXX XXXX makes you pay in advance for the month ahead. I no longer had XXXX XXXX so assumed this was a mistake on their behalf so I called my credit card and stopped the payment. They have now sent me to a collection agency. 

I was a customer of XXXX XXXX for years and always had paid my bill using autopay. I had never not paid my bill nor had I ever paid it late. Why they would think I would not pay a bill that I owed is beyond me. It is a mistake on their behalf. They need to listen again to the recording of me calling them to cancel my service. They say the calls are recorded for customer protection so now I would like them to use the recorded call as evidence to support my story. 

I am not paying for a service that was cancelled a month prior and that I no longer had and feel that I am being bullied by XXXX XXXX.
I have an auto loan with United Auto Credit, and I am currently going through a divorce so I called and asked if I could set up a promise to pay for XXXX XXXX of my payment in full ( car payment was due XXXX ) and was told I could not, and if the payment was not made by the XXXX they would come take the vehicle from me. I asked to speak to another supervisor who proceeded to accuse me of trying to argue, also stated if it was n't paid by the XXXX it would be immediately taken. When I spoke to my mother who has worked in XXXX for 20+ years she asked to speak to this company so I added her to the account and they said the same things. She told me that it was illegal for a company to threaten, harrass, or intimidate a consumer especially when a payment process is trying to be set up.
Issue : Unlawful charging of Interest Mortgage : BB & T {$140.00}. on XX/XX//2019 We called and were transferred 6 different time. Finally got a manager not he phone and was told now I needed to call into a local branch which was already done with no resolution.
I opened a checking and savings account with BB and T in XXXX, Georgia. 
The bank ordered me a debit card. I never received the debit card from them so I requested a new card be sent to me. They sent me the new card but the bank accidentally attached the debit card to my savings account instead of my checking account. I used my debit card as usual ( thinking it was attached to the checking account ) and on XXXX XXXX, XXXX, I was charged a XXXX time activity fee of XXXX for excessive withdrawals/used of my debit card. I called the bank on the XXXX and the customer service agent said he could refund me XXXX. That is not nearly enough. 

I visited the bank on XXXX XXXX XXXX. I went into the bank to speak with them XXXX XXXX XXXX XXXX when I noticed the statement activity fee charge and the phone call only resulted in the XXXX credit. They immediately took that debit card saying it was a mistake, and they issued me a new debit card attached to the correct account. They said they would have to forward the issue to an upper level manager for approval to reimburse the funds. In the meantime, there had been an additional XXXX} in activity fees also added to my XXXX statement for the same problem. ( Charges prior to me visiting the bank to inform them ) Total activity fees that have been charged to me for excess use of my savings account was XXXX 

It has been XXXX weeks and I have not been reimbursed. I have called and emailed many times and no one is able to solve the problem as of yet. I did not know that the card was attached to the incorrect account, my phone app that the bank said to use showed both accounts as checking and the amount was not taken each time I went over rather it was charged as a XXXX time large fee at the end of the month so I would have had no idea there was a problem until I read my bank statement. 

This is an excessive amount of money that I would like to get back asap so I can pay my bills. Thank you so much.
A representative is calling people who are barely acquaintances to me, including cousins I have n't spoken to in six years. There are at least three instances that I know of, and I 'm certian there are more. These people are being told that I LISTED THEM AS A REFERENCE, which is completely false, and being asked about my whereabouts. 

People I barely know are being contacted about my debt/credit problems, they 're being lied to, and my personal finance issues are being humiliatingly broadcast to virtual strangers. 

The name that the organization is giving to them is XXXX XXXX XXXX and XXXX XXXX XXXX, and the contact number is XXXX.
said that I owe about XXXX but they will resolve my debt for XXXX  I asked for a letter stating our agreement before I pay and they said that is not possible I have to take her word and all calls are recorded and she can not send out emails there is one person that sends out emails and that s after you have paid I will not pay a single XXXX until I have it in writing that I owe this money and where it is going to
I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. Below is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX A Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}
XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.
I have contacted XXXX XXXX  five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX   is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX  XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.
On XX/XX/2018 I received a call regarding A XXXX Credit Card with Capital One. The fact that I didn't verify any other personal information besides my name. The caller kept telling me to settle this matter. The caller told me that I was the one who went into the store and took the merchandise. I told him I was feeling harassed and preferred to be contacted by mail and he continued on. The caller called me from XXXX.
Unbelievable- they send me a letter telling me they correct their error because the address was right for years then they made the error- Ok then they send me a notification at the correct address stating that change was made- one would think mission accomplished. Not with them. Today a letter at the wrong address telling me - get this- they corrected the address? Who is handling my information some off shore entity that does NOT comprehend English? We have undergone severe financial impact and hey can not get it right yet!
Approx. 6 months ago Medical Business Bureau placed several medical collection accounts on my credit report, negatively affecting my credit scores. I resolved the issue with the credit bureaus as this was my father 's debt falsely reported on my credit. The XXXX advised me that there was nothing that they could do to fix it and I would be on my own to resolve this with the credit agencies. On XXXX/XXXX/2017, XXXX once again filed a collection account on my XXXX for debt my father owed. I reached out to XXXX who once again advised me that I would be responsible for disputing this with the credit agencies. I explained that this is the second time that they have knowingly falsified information on my credit and the representative I spoke with stated that they did not give the credit bureau my information ... This is a violation of the Fair Debt Collection Act and is a malicious tactic to attempt to collect debt from my father. The XXXX has now compromised my ability to get approved for my mortgage and will likely cause me to incur higher interest rates. I asked for a letter to give to my lender from the XXXX stating that I did not in fact have a collection account with them and they refused to provide such email/letter as I did not have an account with them.