WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX Plaintiff XXXX XXXX XXXX , XXXX Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For Party : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : XXXX XXXX XXXX , XXXX Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XXXX XXXX XXXX , XXXX Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )
I payed a collection in full to Asset Recovery solutions for XXXX XXXX XXXX card on XX/XX/XXXX. It has been a week and I need a letter showing that is payed and no one will supply the letter to XXXX XXXX XXXX  saying it has been paid. I did a wire transfer so the funds should n't have to be held for any period of time. I tried to pay XXXX XXXX XXXX but they would n't take the money and referred me to the collection agency.
I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.
I have no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.
Contacted Wells Fargo Bank numerous times by phone and in person to notify them that I want them to protect my financial information from being stolen. Requested Wells Fargo to NOT send sensitive credit card applications to my residence address because ID thieves steal the mail and open fraudulent credit accounts. To protect myself from ID theft, I have a more secure mailing address using a post office box at a US post office. Wells Fargo refuses to send sensitive mail ( which can be stolen by ID thieves to perpetrate ID theft and credit card fraud ) to my more secure mailing address. Wells Fargo refuses to protect my financial information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2018 XXXX case # XXXX Transunion case # XXXX To Whom it may Concern ; I am contacting you regarding XXXX and Transunion Credit Agencies. 
In XX/XX/2018 I sold a piece of property ; XXXX XXXX XXXX XXXX XXXX, Ca. After selling that property I paid off another property XXXX XXXX XXXX XXXX XXXX, Ca XXXX around {$900000.00}. After paying off and closing these accounts my credit score dropped around 75 points. The credit Bureaus said they didnt know if loan companies closed them and we could have defaulted. I sent them copies of the pay off and recording with the State of California they were paid in full. They corrected the credit report removing the 2 loans and debt associated with them. After removing about {$150000.00} from our total debt our score went down again to XXXX and XXXX in XX/XX/XXXX when we paid off the mortgages the score was XXXX. They are now saying that our score is low because of credit card balances and will not adjust the scores even though we reduced the debt. I want to get a small loan against the property that is paid off to pay off all my other debt. We owe XXXX and its valued at {>= $1,000,000} at least. I had a XXXX dollars in my hand and could have done either. The credit companies wont change my score because the algorithms say we are in trouble according to XX/XX/XXXX and Transunion. Our complaint is their refusal to review and change our score. I have never had a 30 day late ever and have never defaulted on a loan. I own XXXX XXXX dollars of real-estate and would love to pay my cards off. Their policy and rating system is preventing me from doing that. I could have paid the Credit Cards first but I had no idea paying XXXX XXXX XXXX XXXX XXXX off my credit score would make it drop because it was mortgages. I think their current policies are unfair and are designed to make money for the credit industry. A low score costs you big money regardless of circumstances. As a consumer you are powerless. They are costing me money and stopping me from getting rid of all my debt because they refuse to count all the debt that has been removed from my total debt There is no way to fight back. No human looks at the data and corrects it. You are my only recourse. 
Thank you for your time and assistance in this matter. Hopefully your agency can help me fight their one-sided bias practices. 

Best Regards, XXXX XXXX
Out of the blue I started getting several call a day from XXXX. When I answer the phone nobody says anything at all. I used XXXX to find out who the number belongs to and it says Continental Card services. I 'm on the do n't not call registry but this place will not stop calling. I 'm really getting angry, this has to stop.
I was trying to find a installment loan and that is what they said that they were when talking with them on phone not a payday loan. they said XXXX was the payment amount and that is what I thought was the monthly payment for 6 months. I agreed over the phone and then I questioned after they had taken XXXX from my checking account and that is when they send me their agreement that was for over a year and it showed I still owed almost the whole amount. I sent them an email which I will attach telling them to stop taking out of my account that the loan had been paid plus interest and if they did not send me notification that they closed my account I was revoking authority for them to take money from my account. I have not heard anything from them since last week and do n't know if they will still take money from my account on Friday the XXXX or not so I am filing a complaint. They are not licensed in Michigan and they say they do n't have to be which is not correct.
Hello, I have been trying to dispute 4 accounts that are paid in full and are very old accounts. I've also tried XXXX XXXX to dispute which was a slow process in which I understand it ; s based off timing and how long I will continue to pay for services. Both Experian and XXXX  are still reporting old information, but amazingly XXXX  has removed and Experian continues to report. 

Experian : : XXXX XXXX XXXX XXXX was paid off through XXXX XXXX because the car was total through an accident. I understand there was a few lateness, but why should I still be punished on my credit profile for an account that was satisfied? 
XXXX XXXX XXXX is a paid account from XX/XX/XXXX XXXX XXXX XXXX XXXX : is a paid account from several years. I believe XX/XX/XXXX-XX/XX/XXXX XXXX  : still reporting an account " XXXX XXXX that's been paid for several years ; XX/XX/XXXX-XX/XX/XXXX. They also state on my credit profile it was a charge off when I paid in full through a court decision. 

I take full responsibility of my mistakes and downfalls during a time when I was unable to keep up on payments with certain accounts, but i'm in a better space now and I don ; t feel like this should be continue as this cat and mouse game. XXXX XXXX will send me information that an account has been removed but when I look at my Experian account the issue is still there. Those issues are the accounts i listed above : " XXXX XXXX XXXX  '', " XXXX  XXXX  '' r and " XXXX  XXXX XXXX   XXXX  ''. 

As well as the one account XXXX  is still reporting : " XXXX XXXX '' Thank you,
The company is calling before XXXX CST concerning, a past due payment that is not 30 days old. The company called on Sunday concerning the same payment, which was XXXX/XXXX/2016, this has gone to far. During the conversation the representative was demanding payment.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : .XXXX Inquiry Date XX/XX/XXXX XXXX   Inquiry Date XX/XX/XXXX 2017
We purchased a car from a dealership. We then ended up closing on our home and then because of some landlord issues moved twice in the first month after we sold our home. We did n't receive notification of who to make the car payment to until after it was 30 days late for the XX/XX/XXXX payment. We made the extra payment and have been on-time since. We were told by them ( lied to ) that there would be no negative credit reporting on my wife. We are now trying to purchase a home again and there is a 30 day late. I called every number in XXXX Texas that was in XXXX.com and none reach a person. All fake numbers. When you call customer service you get some foreign country, wo n't transfer you to someone in the USA and I held for almost a half hour waiting for a " supervisor '' to see if I could resolve the issue. Based in XXXX, I am not sure they should be doing business here in the USA if you ca n't reach anyone.
When my IBR was due for its initial review in 2013, I had been receiving emails through XXXX. I did not receive an email notifying that I needed to recertify my loan. The only warning I received noting my IBR expired was a large automatic withdrawal from my bank account. When I called the company, they told me to check my junk mail. When I did, I saw a solitary email noting that my IBR was up for renewal. This was the first time I had to do this process. They told me it was my fault and they would not uncapitalize the {$11000.00} that had been placed on my loan. Since then, I only receive paper statements. I feel tricked. I received an email every month stating how much money I had to pay, but did not receive the big email that was work {$11000.00} of capital? No warnings or anything. Then they did not work with me. I heard from one of my internmates this happened to her too, but when I saw the news reports I realized this may have been less of an email mistake and more of a calculated issue. I wonder how many other people had their loans capitalize on them effectively putting them further in the hole.
I would like to file a complaint against Rash Curtis & Associates Original creditor XXXX The following accounts XXXX {$170.00} XXXX XXXX on my credit file XXXX to XXXX {$650.00} XXXX XXXX on my credit file XXXX {$1800.00} XXXX XXXX on credit file XXXX {$450.00} XXXX XXXX on credit file I was a patient at the hospital and I had a XXXX and my insurance Paid for my XXXX and all the medication required. I just pulled my credit because I was being denied for employment and I was n't sure what the cause was. I do see that there are collections account and have been reported by Rash Curtis & Associates Original creditor XXXX .The collection company and XXXX
XXXX I have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX  XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
I switched from XXXX XXXX XXXX to the parent company XXXX. The agent handled the transaction and because I was n't given a cancellation form to sign I somehow then owed and addition {$55.00}. I contacted the ins. agent in response the the threat of collection by XXXX XXXX and they worked to resolve the matter and I was told that it was taken care of by XXXX agents and I signed the needed doc. I have all the documentation to prove this email interaction. I was contacted tonight at about XXXX XX/XX/XXXX by Lamont, Hanley and Associates Collection agency ( 3 weeks after resolving the matter with XXXX XXXX ) and was told I owe the debt. I explained and asked them not to report to the credit bureau until I attempt to resolve this and they told me that is n't their problem, did n't give me an account reference number and hung up abruptly. I tried to call back twice and was unable to pass through the automated system with the reference number. I went to their website and was unable again. I have sent both XXXX XXXX and Lamont Hanley emails through their sites notifying them of the situation and not to report. I was contacted in the evening by Lamont Hanley, it is also a holiday evening, I denied being given the info I needed about the debt, they were unreasonable in resolution and rude, I was hung up on.
So recently I have checked my Bank Account and found out I have a negative balance worth over {$500.00} from Wells Fargo. I am furious of the fact that they have never mentioned me about the overdraft protection fee when I signed up for Wells Fargo Debit card back in XX/XX/XXXX. I feel as if I have been taken advantage of just because I was still young at the time and I did not understand the whole concept of financial responsibility. It turns out as I checked through my previous months record there was also an reoccurring overdraft fee XXXX {$35.00} XXXX. I assumed a Debit Card was a card where you can use it as long as you have money in it and if you do n't happen to have enough money it wont go through. I recently found out about a overdraft protection fee yesterday and heard it for the first time. As I added up the total overdraft fee from last couple months of XX/XX/XXXX to present day it is estimated to be over {$1000.00} which I have paid without knowing any prior knowledge about " overdraft '' fees and this is just from late XX/XX/XXXX through present day. I strongly believe there were cases before XX/XX/XXXX where they charged an overdraft fee and I want to know how much they have charged me and want all the money back. I do not have an income and plus I am still a student in college working at a part-time job that only pays {$280.00} bi-weekly. I am upset and furious as a customer of Wells Fargo knowing that I have not been notified about overdraft penalty and taking advantage of me just because I was a student and young at the time. I am requesting Wells Fargo to give me back all the money I have given them ( overdrafts ) this past few years since I was a member of Wells Fargo XXXX XX/XX/XXXX-present ). This is not fair and I have done research myself and Wells Fargo seems to be known for their overdraft " scheme '' to customers if I may say. I am a customer from a low income family, accepted loans for education, and have a part-time job that can not pay off the negative balance I have with me right now. Again, I am furious and upset as a customer of Wells Fargo and want them to return the money back to me regardless because I have not been notified about overdraft protection the day I signed up for a Debit Card.
I am in a short sale with Wells Fargo. There is no XXXX mortgage. Seller 's husband died which created her hardship. She is on XXXX and Wells has asked for 1 ) and profit and loss statement prepared ONLY by a CPA which is completely non standard, I did my own P and L since there was nothing on it but {$190.00} a month! 2 XXXX The BPO was done XX/XX/XXXX and is now expired. Since then I have been with XXXX processors who have all asked for the SAME thing repeatedly! I have continued to supply it, but now they are asking for evidence of seller receiving food stamps. This has NEVER been requested before and I have been given only 48 hours to submit it, even though it will take XXXX weeks for seller to receive one in the mail. I have a buyer whose loan lock is expiring. 3 ) Since the XXXX was done in XXXX, I am now being told it 's expired and will have to have a new one before value is reviewed. This is NOT acceptable as that will take at least XXXX more weeks. I have escalated this file to the top level, XXXX XXXX is her name, but now she is on vacation!
I have a closed auto loan account with Ally Financial that I paid off in XX/XX/XXXX. It was reporting to XXXX, XXXX, and XXXX for its entire tenure. For some unknown reason, it stopped reporting on my XXXX  report. I contacted XXXX  for them to put it back on my report. I've sent in documents from Ally Financial numerous times to XXXX  and had Ally Financial to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to XXXX documenting the account.The loan still shows on XXXX and XXXX, but not XXXX. Myself, along with Ally Financial, have been asking XXXX to update my credit file with my Ally Financial account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with XXXX because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .
XXXX XXXX is reporting on my credit report twice with two different prices as if I have two vehicles and I only had one car with XXXX. Can you please remove them from my credit file so that my credit can be accurate and my score will increase please. I appreciate you guys dearly. XXXX of the prices is showing {$11000.00} and some odd change and the other is showing {$12000.00} and some odd change on them.
I have spent months in conditional approval with XXXX XXXX XXXX, I have had so many issues. 
1 ) they ordered the incorrect appraisal and decided not to use both values given in such appraisal.

2 ) Ordered an appraisal then did not check with to appraisal comapany about addendums to the appraisal till it was to late.

3 ) Changed the LE to require cash to close because they changed there mind about what values they wanted to use. 

this has been so ridiculous, I will be contacting a lawer the last complaint XXXX XXXX refuses to respond to my questions.. 
WORST company ever!
Opened a personal checking account with Wells Fargo with a promotion/incentive. Met all the requirements but did not get the promotion bonus paid.
Navient has repeatedly and frequently called my place of employment after being told by my employer that I may not receive any calls outside of emergency calls on this line. I removed this number from my account information, although I do not know how they even got this number as I never give it as a contact method, and they still continue to call my place of employment up to XXXX times a day.
This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around. I have been mailing them for 5 months XXXX XXXX who does this
I received my credit report from XXXX and there is a record of inquiry from American Express that XXXX shared " as a result of my action. '' I never applied, have had, or authorized American Express to access my account. This obviously affects one 's credit score. They either have a forged document or they purposely attempted this action on my credit.
XXXX [ XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ] has pulled a REGULAR INQUIRY on XX/XX/XXXX and XX/XX/XXXX, without my consent. I am not a XXXX XXXX credit card holder. They also pulled a INQUIRY ANALYSIS on XX/XX/XXXX, utilizing a very old address of mine ( over 10 years old ) : XXXX XXXX XXXX XXXX, XXXX, MN XXXX.
My student loans under one account with Nelnet was reported to all three credit reports as credit cards and having 8 different student loans. My Nelnet Account # XXXX Current Balance {$48000.00}. My student loan account I had filed a dispute fraud done by XXXX XXXX XXXX XXXX financial aid department and with federal student Aid. I have repeadly informed representative that forged Promisory Note not signed but typed my name on X/XX/10. Promisory. Note done by someone in the financial aid department at the University. XXXX XXXX, Chief Financial Aid Officer at XXXX XXXX I spoke to was the go to person who handles these frauds and disputes. Informed that all my financial aid files would be audited and that the forensic accountant auditor would be done. Nelnet representatives informed me that nothing would be reported as delinquent since I filed a fraud complaint and once that was cleared up, my student loan would be recalculate and corrections would be made and I would then start making monthly payments. But Nelnet reported 90 days delinquent on loans as if I had 8 accounts with them knowing I have one loan account with a total loan balance combined into One ACCOUNT. This has affected my credit reports rating/ score from good standing to bad standing. Affected me emotional, economically financially and have prevented me from applying for federal jobs. Nelnet account XXXX is not a credit card loan as it is reported on my 3 credit reports. Student loan I have.