WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a verification and validation letter of debt to both ERC and  XXXX , letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one of their stall tactics. The Collection account from " ENHANCED RECOVERY CORP '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since 2010. So m y question is, how is a collection agency that is not licensed allowed to collect a debt. Enhanced Recovery corp has violated my rights as a consumer, along with  XXXX
I have contacted the credit reporting company, LexisNexis, and am waiting a final response. 

Dog bite claim description as follows : Our family was visiting relatives ( not on our property ) where our son was XXXX that was owned by another relative not associated with that property. The property owner took out a home insurance claim through their insurance, XXXX XXXX XXXX XXXX, to cover medical bills for our son. The property owner 's insurance company contacted the dog owner 's insurance company and worked out how the medical bills would be paid. Ultimately, all medical bills were paid by the dog owner 's insurance company, XXXX. At no time were any claims run through my current home insurance provider, XXXX XXXX. 

In summary, it was not on our property, it was not our dog, and we did not take out an insurance claim with our insurance company for the dog bite. I respectfully request that this claim be taken off my property claims report. 

Attached is a report from XXXX/XXXX/2016 showing the dog bit claim under dispute. 

Sincerely, XXXX XXXX
I have had an issue with American Express regarding a double charge XXXX for the sample flight. After numerous and multiple conversations, they promised they would take care of this issue. After years of speaking with them and repeating my issue, they did not provide me the required information. I have filed a claim in the past, case number XXXX. I was unable to get my phone recordings or get in touch with someone. 

That said, I have been contacted by XXXX ( employee ID : XXXX ), from XXXX. I have been very responsive with him and requested I get written copies verifying who is he and his company is, as well as providing me with a form in the mail. Based on the last conversation, XXXX was the company who was contacting me, now it is a different company. 

It has been over two weeks since my last contact with XXXX and still no letter. I am not clear who is responsible for this case anymore.
Providian Finance , out of  XXXX   XXXX  has called repeatedly, threatening charges to be filed against me, as well as being served with papers at my place of employment and at my home. They have also called my father leaving the same message under a law firm called    XXXX   XXXX   XXXX   . I have researched this company, and they are calling under false pretense.  <P/> I have not answered their calls, phone numbers include : (   XXXX    )   XXXX   (   XXXX   )  XXXX   and unknown.
I opened an account but did not get {$350.00} bonus as advertised : XX/XX/XXXX I submitted the application online to open my choice checking account XX/XX/XXXX I completed the bill pay requirements for 3 months within 120 days acct opened XX/XX/XXXX about 8 weeks after requirement completion, I did not get {$350.00} in acct XX/XX/XXXX contacted CSR for 35 min and XX/XX/XXXX with another CSR for 85 min with extensive holds & wait by the CSR, still without proper resolution to this date. The ineligibility of personal account held was confusing and the company did not clarify in its term the definition of personal account or show example. In the marketplace when people open personal account it normally means banking product, but the verbal explanation of CSRs say it included mortgage acct that the bank previously sold to another service provider without client 's choice is misleading and confusing to the consumer.
I do not owe any debts to Merchant & Professionals or XXXX XXXX. I have attempted to dispute the inaccuracy reported to my credit and they have refused to remove the negative tradeline. I do not have a balance or owe any medical debts.
Ocwen XXXX our mortgage payment without any notification. When we called to find out why, we got the run around. The only answer we got is that shortage in escrow caused the increase. There is no way a shortage in escrow could be an extra {$2000.00} each month. 
Our payments are automatically deducted and we have never missed or been late on a payment. 
They just keep saying that someone will get back to us, which still has n't happened. 
We have been paying the exact same amount for the last two years, then all of a sudden it doubles. They have our money and will not refund it. What now?
I had a credit card debt with XXXX XXXX XXXX, this debt was written off on XXXX/XXXX/2009, somehow a McCarthy & booth of XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my XXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per XXXX XXXX XXXX .harassment from this law firm has gone on now 4 years.
I've noticed this inquiry which i did not authorize or gave any consents on following day : - XXXX XXXX XXXX XX/XX/2017 I surely believe maybe it's fraud or stolen identity. 

As result of this, my credit has been affected and preventing me for applying for loans. 


Thanks, XXXX XXXX
I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

XXXX XXXX XXXX XXXX -XXXX  XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018, XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XXXX XX/XX/2018 XXXX XXXX Experian XXXX XXXX XXXX XX/XX/2018 -XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 -XXXX XXXX XX/XX/2018, XX/XX/2018 -XXXX XX/XX/2018
XXXX XXXX {$100.00} & $ XXXX XXXX XXXX {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I received an email from Equifax on XXXX XXXX, 2017 stating that in order to complete my enrollment in my free XXXX service ( received because my account was hacked ), I needed to log onto the provided email to finish the process. For the many times I tried, the response was always that the system was down & to try later. Several times I have spoken to several representatives for help and each time they could not find me in the system, even though Equifax had sent me the email. And each time their response was for me to keep trying. The enrollment period has been closed and I was not successful in enrolling.
This company has been calling me all week. When I tried answering the first two times, there was no one on the line or I could not hear them. Then on XX/XX/XXXX at XXXX when they called, I answered and talked to a person. This heavily accented person asked for someone other than me. I said that he had the wrong number and that I didn't appreciate this company calling me two times per day everyday. I told him to remove my number from their calling list. Then he started asking if I know the person he was trying to call. I asked where he was calling from and he said something like XXXX XXXX or something. I told him that I am not that person and to take me off their list ; that they have the wrong number. My request has been ignored. They called my cell phone again that night at XXXX XXXX. and called me yesterday at XXXX and again at XXXX XXXX.
Hi, I was checking my XXXX credit report tonight and noticed a collection account as shown as follows : MIDWEST RECOVERY SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015. 

Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe XXXX, nor have i ever taken out a payday loan with XXXX due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at XXXX was months ago for like around XXXX dollars, I have a great record with that company XXXX in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other U.S. Citizen/Nationals. 

Respectfully, XXXX XXXX XXXX
I was furloughed for 18 months beginning in XXXX 2008. This caused me to fall behind on my mortgage. I have been trying every sense to get a meaningful loan modification. I have been turned down so many times I ca n't remember them all. I have been in foreclosure XXXX and dropped XXXX. The XXXX time they won a judgment and vacated it restoring the note and mortgage in full and told the court that I had paid every thing I was behind. The XXXX time dismissal without prejudice. I am a prisoner in this home. They will not foreclose, they will not take my money ( anything less than what I am behind that is ), they will not negotiate a settlement. I am XXXX years old and life is passing me by. I ca n't buy any thing with out a very large amount of cash down and extremely hight interest rates.
In XX/XX/XXXX, I received medical assessment and treatment from XXXX XXXX XXXX and that was paid by my Health Insurance ( XXXX of Arizona. ) I received collection letters and threatening phone calls. I wrote the collector regarding the collection, and requested validity of debts, original creditors, and date, place of service. 

On XX/XX/XXXX I received a collection letter dated XX/XX/XXXX attempting to collect on the debt, without providing evidence and validity I requested in my letter of XX/XX/XXXX.

This practice by this Collector violation, Pursuant to the Fair Debt Collection Practice Act, Section 809 ( b ). 

Collection attempts by this Collector should cease immediately, until requested validity evidence is provided to me.
I had a car loan through PNC and after being talked into making them my primary bank, opened an account with them. On two separate occasions, several months apart, they initiated payments from that account as I was behind on my payment ; but the funds were not available on either occasion and they generated overdraft fees. I choose to no longer keep funds in the account and switched my direct deposit back to XXXX. The account was a requirement for payments on my car loan so I maintained, but they started charging monthly charges which I was not going to pay. Rather than reverting the account to the free account I had initially requested, they charged off the account. While all this was going on I entered my final semester in college and had trouble obtaining my financial aide and was again behind on my payments. They contacted me when I was 2-3 months behind on my payments ; I attempted to inform them that I would make a partial ( half-month ) payment, followed by a repeat of the same in 2 weeks, and a full payment on the next due date to reduce my delinquency. I was told that only a full payment would be accepted and that repossession would be attempted. No resolution was reached. When I received my financial aid a month later I attempted to make my account current. The checking account had been closed and I had no path to make my payments. I called the local branches on multiple occasions, was connected to non-local branches on multiple occasions, went into the local branch, called the auto loan branch and there was no one willing to accept my payments, nor to simply reopen the checking account to let me then post my payment. Just short of two months later the car loan was closed in a defaulted standing. When approached by the auto loan/reclaim department of PNC, I was offered a repayment offer that would give me a lower monthly installment ( & lt ; $ XXXX/month ), which was not much of a shift from the original setup ( $ XXXX/month ... I always made payments of $ XXXX/month ). The intent was to " reboot '' my loan, while not removing any of the default reportings on my credit. So go back to the status quo, but have a far less chance of refinancing with another loaner to get away from those that I now had sour business dealings with. I opted to make no payments and not divulge the location of my vehicle and now 2 years later ( with no payments! ). I approached the bank with a settlement option, {$3600.00} on the $ XXXX+ that was the remaining balance, no interest would be accepted on my part as I did not feel it was fair or in my best interest to include them in the base evaluation. My account has now been reported as paid in full on my credit report.
Experian, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers
Received notification from XXXX XXXX that my account has been suspended and required verification by submitting government ID card image and financial documentwith my home address on about XXXX  to XX/XX/2018. I initially ignored due to concern of electronic submission of my ID and financial documents, despite having a nominal balance. But I contacted XXXX XXXX  on XXXX XXXX to figure out why it was suspended and tried to get credit. I was told reason for suspension was not releasable to me to protect my privacy. I was recommended to connect my credit card company ( XXXX XX/XX/2018 ) and then contact another Google department ( XXXX XXXX on XXXX XX/XX/2018 XXXX to see if they can provide information. neither had any issue with my account. I submitted requested documents in hope of finding reason, as recommended by another XXXX XXXX service representative on XXXX XX/XX/2018. Although I was notified of account suspension is lifted, I'm given no reason for suspension, only guesses by phone customer service representative. I was finally told after contacting customer service representative 6 or more times and being told to contact multiple non-Google services that I can not get a response on what triggered my account suspension and it can happen anytime in future. I think I deserve explanation on any issue related to my financial services. It's also misleading to have me contact other service providers to get explanation when issue was stemmed within XXXX XXXX service.
I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter.

XXXX  sent a letter stating they updated an extended fraud alert on my XXXX Credit file.

I did not request this.

I want the Fraud Alert Removed! 

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO TRANS-UNION AND XXXX.

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1
XX/XX/2018 @ XXXX Made a call to XXXX XXXX which claims they have no record of the inquiry company, XXXX XXXX is an outsourced call center, Credit Karma is automated and I can not get the assistance I need.
Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports transunion, XXXX and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks
In XX/XX/XXXX , I paid off my four student loans with FedLoan. I received a letter saying all my loans were paid in full and I had a {$0.00} balance for all four loans. Then, in  XX/XX/XXXX  I received a bill stating that all  XXXX  loans once again had a balance. I Contacted FedLoan and they explained that it had to do with some sort of rebate, and that they would take care of it. Flash forward to  XX/XX/XXXX , and I received another bill from them. This time,  XXXX  of my loans were marked paid in full but the other  XXXX  still had a balance. I once again contacted FedLoan and spoke with someone. This person could n't believe that the problem had n't been taken care of yet and that she would have someone from management call me. I never received a call, and in  XX/XX/XXXX  I received a bill with the same loan balance information as the bill from  XXXX . I called FedLoan once again and was directed to a supervisor. The supervisor told me there was nothing he could do and that it was because of some sort of capitalized interest back in  XXXX . I 'm pretty sure my obligation to FedLoan ended when they sent me a letter saying that my loans were paid in full. Please help.
I wrote synchrony bank a letter asking about a account that was suppose to have been open by me on XX/XX/XXXX when synchrony bank responded back they gave me no information about the account besides who the account was sold to synchrony never verified the account was mine.. I contacted XXXX XXXX at XXXX on XX/XX/XXXX at XXXX XXXX i spoke to a customer representative name XXXX ext-XXXX she advised me that XXXX XXXX did n't have the account..
Hello, I am a XXXX year old single mother of XXXX. I am writing this complaint as I have no where else to turn. I had a checking account with BBVA Compass in XXXX, Fl in 2009. The account became over drawn, which was an over sight on my part. The account was closed. I have been fighting with this for years and BBVA Compass have not been helpful. They never informed me that I was reported to a company called XXXX XXXX Services. The overdraft on my account was simply an over sight. It was no way intended to cause fraud. I went into XXXX of the local BBVA Compass branches and spoke with a branch manager and I was given a print out of when the account was opened and when it closed. Keep in mind, this account was paid to a zero balance. The overdraft amount was {$7.00} according to my print out. I paid BBVA compass for the overdraft and any associated fees a few years ago. The word " Fraud '' has been hanging over my head every since and again there was no way this account was associated with fraud. I am not a criminal and I have no criminal record nor do I have fraud on my back ground. I am a law abiding working citizen that made a minor mistake and its costing me dearly. Please have Compass review there records and remove this label from my name. This account was not associated with nor intended to be used in any type of fraud activity. If BBVA Compass truly believe this account was intended for fraud, please prove it. I dont owe them anything. And if BBVA Compass does not want my business, I understand but please dont make it hard for me to move on to another financial institution. This is so unfortunate and these kind of practises are intended to hold back the already middle class to poor. Life is a struggle as it is and with paying additional fees to cash my payroll check or pay for pre-paid cards is really hard on me. If you can pull records from BBVA Compass, they allowed me to re-open an account only to close it a few days later and didnt give me an explanation. Never told me they reported me to a place called early warning services for the very very old account back in 2009. I have suffered enough. Again, please review your records as the account was not intended to be used for any mis-leading purposes. I have attached the printout that was given to me and a letter.
On XX/XX/2018 XXXX reported my account as enrolled on a consumer credit counseling service. That action prevented my XXXX-year-old bank, Bank of America from extending a loan for a new vehicle. Bank of America had 3 of my homes, my auto and has never being paid late, by denying my application without even considering my credit record, current income and impeccable history with them, they are discriminating against me under the FCRA act. 

There is no difference between a person like me that negotiated a re-payment plan with a few credit cards and never defaulted and a person that either has horrible credit or bankrupt. That is unfair to me and any other party that has kept their re-payment agreement as negotiated several years back. 
We are suffering the same faith as a bankrupt person. There is no incentive on us trying to protect our credit, we still get XXXX balled. 

I did not cost any of the credit cards income or default on their books. I just negotiated a better rate that they do offer to other clients. This is not fair under the terms of the FCRA. 

Please advise of ways to correct this. 

Sincerely XXXX XXXX XXXX Member of the Texas XXXX XXXX XXXX
Southwest credit has harrased me on numerous occasions about a debt with  XXXX . I do not remember the ammount of debt claim to be owed because ive never owned a  XXXX  account. Furthermore the company is unwilling to show proper documentation ( signatures- original paperwork- invoices etc ) to prove anything otherwise. They wont even tell me the location of the accounts origination.