WillisBack/dataset-financial-user-claim huggingface dataset:
I had a loan at an XXXX XXXX XXXX store in XXXX, Wisconsin and then the store closed. They never notified me that the store closed. Then they took money out of my bank account also without any notice and they had never done that before. So I drove by and found out the store was closed. Then I received my contract back, paid in full XX/XX/XXXX. After that, another company ( Golden Green Services ) took money from my bank account. I disputed the debt and requested debt validation by certified mail  within 30 days of discovery, which was accepted by Golden Green Services on XX/XX/XXXX. I also asked in the certified letter to only be contacted by mail. Since then I received an email from Golden Green Services with the XXXX XXXX XXXX contract with the Golden Green name superimposed on it. And now XXXX XXXX XXXX is calling me at home and at my work and they threaten to keep calling my work number.

Both companies are claiming the same debt which is why I requested debt validation in the first place.
I keep getting tire email promotions from Ebay decided to apply for one last evening. When I tried to make the purchase only option I had was to use Paypal. My experience with Paypal is a nightmare since it waste customers valuable time and paypal customer support is extremely poor. As I expected I spent about half hours to make the purchase online and my payment keeps getting rejected and prompting me to call paypal customer support. When I call customer support I had to go through multiple security screening questions with first rep and to my dismay he said he had to transfer me over to another Dept since he ca n't help. Second rep told me I had to add my credit card to make this purchase happen eventhoug I have added XXXX Bank accounts and have made purchases from paypal in the past. After adding my credit card to my dismay second rep told me that I had to go through security screening again. After going though security screening again rep told me that he needs to bring someone else to make this happen and brought third rep on to the phone and he could n't help either. I ca n't make the purchase via paypal. I got extremely frustrated since I was asked to call Vendor to make the purchase since I spend almost 2 hours on the phone and I asked for supervisor. I spoke to supervisor call XXXX and he told me Paypal is doing all the right things and never apologized for wasting my time for 2 hours. This supervisor told me this problem would n't happen again. I called tire vendor and unfortunately he ca n't offer me promotion since promotion is valid only with Paypal and I am back to square one. 
I tried to make purchase again this morning and story is the same eventhough Paypal supervisor promised that it would n't happen again. I kindly request that Paypal approve my transaction right away and offer me {$150.00} credit for all the hassle I had to go through to make this purchase. 

Error : Unfortunately, your payment was declined You can select or add another payment method within PayPal and try again If you get this message more than once, please contact PayPal customer support for further assistance
We are becoming victims of dual tracking while under review. 

On Thursday XX/XX/2016, obtained order from Federal Judge referring us to the mortgage modification and mediation program. We submitted a modification package. The bank 's lawyer XXXX is fully aware that it is against guidelines to have a sales date if a complete package is presented for review at least 37 days before the sales date. On Monday XX/XX/2016 she filed a motion in state court asking for a sales date. The bank is displaying unclean hands and no good faith.
I had a car loan with  Flagship Credit Acceptance , in  XXXX    XXXX   the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to Flagship causing additional fees. Flagship received the payment in  XXXX   XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that Flagship does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.     Flagships poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was report ing 60 to 90 days late, Flagship being spiteful replied that the issue is resolved and now changed the account to 90 to 120 d ays late.
I'm an American Express Platinum member and I'm unable to use my Membership Rewards points. I contacted American Express and nobody was able to tell me why I couldn't use my points and when the issue would be resolved. I find it unacceptable I have to waste my time to file a complaint so I can use my points. Please let me know if the issue will be resolved so that I know whether to cancel my accounts before the anual fees are due.
The below attached are screenshots of various credit reports pulled over the past 5 months from Equifax. Since I 'm a paying member to their monthly services, I would routinely pull & monitor certain aspects of my file. In XXXX 2015, I was pleased to see that a bad mortgage debt and other derogatory information had finally " fell off '' my credit file. It has been almost 10 years since my divorce, and almost 8 years since my identity theft had occurred, and I have been dealing with & struggling to gain back control of my credit and have encountered almost daily obstacles to correcting inaccurate information. 
It appears my latest attempts to have you help get my score repaired to its once higher state have met with some success, however, I 'm still dealing with the mortgage information being entered, deleted and re-entered back onto my account. 
Attached with this notification, is a letter from XXXX XXXX stating that they have no records of my account # XXXX and have asked all XXXX credit agencies to remove these items from my report. So far, XXXX have successfully deleted this item, but for some reason, Equifax will delete them, then re-insert them and update the information as if it 's corrected and true. 
I request that all of my mortgage accounts be removed from my credit files, as they are approaching 7 years since last report date, and have been almost 9 years since last activity. In addition, XXXX XXXX XXXX XXXX only has XXXX records with my SSN associated, XXXX being a Credit Card and the other being a Savings Account with a small balance. They have no record of my past mortgages and can not find them in any system. I 've literally spent months speaking with them and have received a fax from them stating they have no information relating to this account that keeps " popping '' back up on my credit file. 
( Attachments ) - Monthly Screenshots of my Credit File " Mortgage '' Summary ( Attachment XXXX ) - XXXX Fax - to delete erroneous accounts
XXXX XXXX XXXX - Made XXXX SEPA transfers to Coinbase for euros through my XXXX XXXX XXXX Account. Amounts were XXXX XXXX & XXXX XXXX. Transfers quoted appropriate references. 

I received automated response on XXXX XXXX saying XXXX is being reversed as accounts do not match. They do and I sent email, email service did not work and advised to send complaint through their support. I did this and issued case number XXXX # : XXXX. I did the same for the other transfer upon receiving a similar advice of reversal. 

Some emails exchange and issue escalated with Coinbase but still no news and no response to tweets and direct DM messaging service on XXXX. 

Coinbase have gone silent and no monies received back at XXXX XXXX.
My current auto loan, with Chrysler Capital is not reporting my payments correctly on my credit files, affecting my FICO score. I have tried multiple times to contact their credit department and they will not return my phone calls. I also sent an email to OPPOFFICE according to their website, is the officer for finance, only to receive a return email stating to call the same number I have been calling. 
On XXXX/XXXX/2015, I called Chrysler Capital Customer service customer service number, and tried to speak to a customer service representative in your credit department only to be told that I had to leave a message, which I did. I did not receive a return phone call. 
On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call. 

On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call. 
On XXXX/XXXX/2015, I called Chrysler Capital, and spoke to a representative that was NOT in the credit department, and complained to him, and asked why I was not getting a return phone call, only to be told he does not know why. I asked to speak to a manager, and was told no one was available. 
I was recently turned down for a line of credit, because they state my payment history on this loan is showing like I am not paying my loan on time.
Today is XX/XX/2018. I am requesting that Nelnet pick one day out of the month of XX/XX/2018, Where we can meet up in location in XXXX of my choice. I requesting that Nelnet bring original promissory note you claim I sign with XXXX XXXX. I will have document examination expert look at this promissory note. I will able to prove that you ( 1 ) use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) Putting false information my credit report. ( 3 ) Using Forgery ( 4 ) You are discriminate against because I am XXXX. ( 5 ) also you will be in possessing of forged note. ( 6 ) You are using false counterfeit promise note. 
If you do not pick day out of XX/XX/2018, I will assume that you trying use counterfeit promissory note to collect a debt from me. 
I will like invite someone from Consumer Financial Protection Bureau, someone from Attorney General of Florida, to come to meeting with me and Nelnet where we look over original promissory note. 
If Nelnet do not pick day in XXXX of 2018, I will assume that you do have original promissory note, you do not have proof that this is my debt, that you are trying use a counterfeit promissory note to try to collect money from me.
All Medical bills are the responsibly of XXXX do to a court order Protection From Abuse Order. He is responsible for all Medical bills past or present and any Damages to my credit report and score
This dispute is in regards to Experian 's reporting of a late payment on my account from XXXX XXXX. XXXX Bank acknowledges now that my account was never late due to an address change, following which they failed to send the statement to me. I have disputed this late payment with all XXXX credit bureaus already, XXXX of which have removed the item from my report. However, this incorrect information has not been removed by Experian, and I have not been able to contact anyone via the phone for assistance. The information has been corrected already with XXXX and XXXX and I expect the negative information to be removed from my credit report immediately.
i have a sole proprietor business and file tax extensions every year due on XXXX XXXX the state of California filed a {$1200.00} lien on my home in XXXX 2010? my accountant figured my state tax burden of {$230.00} which I paid and the state released the lien still showing {$1200.00}, I had visited the state tax board twice and told oops sorry that was a mistake, I ask for a letter to send to the county and credit reporting companies but again they say sorry I will have to dispute so that they can be removed, XXXX removed the negative info but XXXX and Equifax have not and have been disputing every year since 2010 I do have the documentation showing the error and have sent to credit agencies with no success
Citi bank had a promotion for City Gold Checking where they would reward you with XXXX airline miles if you completed all the requirements. I opened the account in XX/XX/XXXX but they made a mistake and opened a basic checking and when I inquired they stated they had system issues but they did find my application in the gold department finally. I had made out XXXX applications for the gold as their system was down and they instructed me to fill out another application. I finally got the account set up for the gold and the funded the account. I inquired with a rep named XXXX to see that I was set up for the correct promotions of XXXX American Airline miles and she assured me that I was and stated they were going to waive the monthly fees because of the issues. After a couple of weeks I contacted Citi Gold again and talked with XXXX and reviewed with her all the requirements that I needed to meet by the XXXX XXXX, 2016 deadline. I meet all the requirements within the time frame and contacted Citi by message to verify that I had met them and received the attached response that I would be awarded the miles in my American account by XXXX/XXXX/2016 and I checked and they were not there by XX/XX/XXXX. I contacted Citi and the rep stated that XX/XX/XXXX was not a business day and to wait and they would be in the account. I then waited two days and then contacted Citi again and they put in a claim which came back and stated there was no promotion offered in conjunction with the opening of my account but every rep I contacted before stated the opposite. You had to enter in your offer number in order to even get to the application page in order to apply for the account. I since have contacted Citi twice and again each findings state the same thing and I now know that as of XXXX/XXXX/2016 Citi was not issuing any miles to anyone so I have no idea how many people have been denied the miles they were entitled to.
My bank is n't reporting my account balance to my XXXX app that is linked to my bank. They should be reporting and updating daily.
The XXXX data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to XXXX 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX, right?
My Capital One platinum debit card was expired in XXXX XXXX, since then I have not received a new credit card. I have talked with them about sending me a new card and it had not arrived. 
In XXXX XXXX, I went to California and my wallet was stolen, so even though the card was expired, I called them to re assure myself and reported a lost/ stolen card. They re assured me they would send out a new card with a new account number. 
In XXXX XXXX, I have not received a new card, but paid my full balance and waited for a new card. 
They have called me last month and stated I have a new balance due on the existing card that was expired and had no authorization from me, especially since I did not receive a bill statement or a new card. This was billed to me account from XXXX XXXX till XXXX XXXX. 
I explained to the company and they did not have a problem the first time I called and stated that it was their mistake and I would be sent a new card. 
Today XXXX/XXXX/XXXX, I had an hour and a half call with them going through the same process and holding me responsible for charges, I never authorized, especially since in XXXX XXXX, I reported a stolen card.
I went into XXXX XXXX XXXX to inquire on possible trading my car in for a newer model and year. I specifically told the sales rep to only run my credit once and if they were unable to give me the deal I was looking for off of that one hit, then I wasn't going to proceed with any transactions. However, once my credit was pulled once for the purpose of getting a car, I was not offered the deal I wanted and turned down the offers that were made to me by the dealership. However, later I discovered that they ran my credit more that once through other financial institutions in efforts to inquire car financing on my behalf ; something, I specifically asked them not to do. I recently worked hard on build my credit up so that I could purchase a home, which I recently did prior to entering this dealership -- and as a result of the hard inquires acquired due to them running my credit more than once, lowered my credit rating, something I take pride in maintaining.
On XXXX XXXX, 2015 I mailed a validation letter to Phoenix Financial Services for a debt that they claim I owe them. I noticed it when I pulled my credit report recently, therefore I sent a validation letter requesting more information the account they claim I owe them. On XXXX XXXX, 2015 I received a letter with information related to the account with insufficient information. The statement attached to the letter does not provide detailed information such an itemized or details of services. The statement date is as of XXXX XXXX, 2015. Lastly, I have never been to XXXX XXXX XXXX XXXX XXXX.
The first one is with an alarm company that my husband included in his bankruptcy. So now the put it on my credit as a delinquent account. The other one is with a mortgage company, I paid the account in full XX/XX/XXXX and is till open in my credit report.
I noticed a collection from Focus MGMT on my annual credit report. It included a charge of {$82.00} from XXXX with an opened dated of XX/XX/XXXX. I immediately called and spoke in detail with Focus MGMT about the invalid account claims for services never rendered. I explained in detail as to how XXXX was unable to bill me for services due to the fact I had n't resided at XXXX XXXX XXXX XXXX XXXX, TN XXXX since XX/XX/XXXX. XXXX indicated services was rendered in XX/XX/XXXX long after I relocated. I preceded to ask for a signed receipt for services rendered in XXXX. I was advised that the account would be referred back to the originally customer ( XXXX ) as an deputed account. I had yet to receive documentation from either parties. Three months later, Focus MGMT just reported account on XXXX with the same information. My question is why I was n't notified previous to the collections being placed for collection? I shared my current address with Focus MGMT when I requested for a signed document containing a verifiable submission of services received ( since I know they do n't exist ). I would like to think this company is n't trying to destroy my credit by not giving notice and placing bogus accounts on my report!
Tate & Kirlin Associates were calling me after I told them I 'm on Social Security XXXX and Ally had already " Charged Off '' loan as bad debt on both my wife 's and my credit reports. I also told them to stop calling. Now they are starting to send mail wanting to collect on the debt. 

Today, we have sent them a " Cease and Desist '' fax but not sure they will receive it or honor it.
I submitted a dispute in writing to TransUnion on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, TransUnion DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.
XXXX XXXX XXXX is reporting rolling multiple lates on my account. I have not received any statements or any phone calls from Innovate to inform me of any lates. I thought my payments were being made on time.
I received a very garbled voice message from very noisy location. I called the number back from a different phone and they knew immediately what my first and last name were. 

The operator identified the company as : XXXX XXXX XXXX. And explained they needed personal information to identify me before they would discuss anything. 

I began by requesting the street address and company telephone number. The operator would not give me the address or number. The operator said " they have offices all over the world '' as if this should appease me. I explained they are required by law to provide this info. I asked to speak with the supervisor. The operator put me on hold XXXX seconds, then said the supervisor was unavailable and abruptly disconnected me. 

When I called back, the " supervisor '' picked up. He gave me the same runaround. They will not discuss anything unless I divulge personal information. 

I told the supervisor this is a case of fraud ( taking a wild guess : because I have a long history of trying to resolve a fraudulent debt, and new collection agencies keep calling well past the statue of limitations on unsecured debt ). I asked to speak to his fraud department. The supervisor stated they do not have a fraud department, nor do they process claims of fraud. 

At this point I decided to deal with this " company '' as an illegitimate operation.
After looking at my credit report in XX/XX/2018 I found a medical debt on the report I did not recognize. I sent the debt collector a Demand for Verification by Certified mail Return Receipt demanding verification. The debt collector did not respond within 30 days. In fact they still have provided no verification. I spoke to a representative of the company on XX/XX/2018 and asked where the information was being sent. She informed me that the letters were being sent to an address I did not have and have not had for over two years. In the validation letter my address appears in BOLD print on all 3 pages and under the signature. Yet they did not respond to that address. They did not list the debt as disputed on my credit report during the validation period. I spoke with the President of the company and I explained that his company failed to respond and asked that the report be removed from my credit bureaus reports. He stated he couldn't do that.
I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00} Credit Reporting Company Equifax
I have been receiving collection letters from a collection agency called " Ad Astra '' for a debt that I have not availed ( from XXXX XXXX ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both Ad Astra and XXXX XXXX as to the origins of these collection letters.