WillisBack/dataset-financial-user-claim huggingface dataset:
On or about the last week in XX/XX/XXXX, I called Midland to pay my XXXX collections in full. They referred me to the Law Offices of XXXX XXXX XXXX. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XX/XX/XXXX. On Friday, XX/XX/XXXX, I called the law offices of XXXX XXXX XXXX and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from Midland attempting to collect on this paid in full debt. 

Yesterday, XX/XX/XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XX/XX/XXXX. 

Today XX/XX/XXXX, I called the Law Offices of XXXX XXXX XXXX, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because Midland has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both Midland and Law Offices of XXXX XXXX XXXX ( which is just a shell company for Midland ), need to be held fully accountable.
Recieved from ARA Inc., a demand for payment of dept totally {$7100.00} off a Bank called XXXX. I have never heard of XXXX, much less owe anyone 7k. I contacted them, they threatened to take me to court and I " would pay all attorney fees '' they claimed. I demanded the proof I ever owed thisy be sent to me. They refused ( woman claiming she is 'XXXX ', and a Supervisor he claimed, saying he was 'XXXX ' ) XXXX was threatening, obnoxius and refused to speak to me after my request. I then was connected to this XXXX, who claimed they were about to take me to court. I told them go for it, because they knew I would win. He was outlandish and said he had no problem being recorded. I was harrassed repeatedly to PAY MY BILLS. They stated they had the loan information in front of them, but refused to provide such proof or such information, just " send us the money! '' after they refused I decided to investigate the Company as it was clear this likely was a sham, and found multiple complaints online filed against ARA Inc, in which the posters stated they recieved almost identical amount demands, identical claims of the bank they had never heard of, and outragious treatment once they tried to make contact. XXXX off of XXXX sight alone with the identical stories. It greatly disturbs me that in all likely hood elderly are being targeted and unknowingly paying off bills without questioning the sources of such " bills ''. I was told I owed {$2000.00} to begin with, ( never happened ) and then it had built up over the years. I demand copies showing such bills, and such transactions and proof this was myself and not another party using my name. They are refusing to provide it. I contacted them back on learning they were duplicating same amounts or close enough to be the same to XXXX if not XXXX of others across the US who had the same story I did, that they never wracked up such charges even in the past. The company has refused outright to provide it or to provide information. I asked to speak to their lawyer team, I was refused based on what this person claiming to be XXXX said, " It was his job to protect the attorneys. '' I dare this company to file legal actions and allow me into court to prove they are defauding the public.
I want to file a complaint about Wells Fargo. I do not recall ever opening the account for the XXXX XXXX Credit Card, which leaves to believe i was one of the victims of their scandal. Because I am afraid of the damage that would be inflicted on my credit report, I have decided not to close the account at this time. Instead in recent months, I have decided to start using this Credit Card. In addition to the complaint that I want to file for them opening an account in my name without my consent. I want to compain about how unsatisfied I am with the service of this account and want to express my displeasure with them as they have not responded to my direct inquiries. The credit card in question takes approximately 3-4days to post a transaction, which I believe is completely unacceptable and believe it is a huge security risk to my account as I am unable to monitor transactions as closely. For example, if I were to use my Wells Fargo debit card, it is almost instantaneously posted to my online profile as a " pending Transaction '' I should expect the same kind of fast service with this other credit card. I hope this gets fixed immediately!
I tried to dispute charges on my CHASE BANK CARDS with the following companies XXXX XXXX XXXX AND XXXX XXXX. I paid these companies a combined total of {$6800.00} ALONE on my XXXX XXXX XXXXXXXX Cards. 

I paid these ( 2 ) companies a combined amount of over {$26000.00} for services that were never provided as was described to me, that is the reason for this dispute! 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to build a successful online business. In that period, I was taken advantage of and defrauded for thousands of dollars by these fraudulent companies who falsely claimed and led me to believe that I would achieve substantial earnings by signing up with them. 

XXXX XXXX guaranteed 600,000 Visitors & preload ; charge for this {$10000.00} XXXX XXXX. XXXX. - Corporate Level Platform and Marketing ; charge for this {$16000.00} All this was to create exposure, guaranteed traffic thus generating greater sales. In total I have paid them thousands of dollars and not made a single dime. All I have is nothing but a worthless non- functioning web site and severe credit card debt. 

It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.
I am writing to inform you I have been a victim of identity theft and many of my accounts were compromised without my consent someone from a company contacted me about a alleged debt. Date XX/XX/2018 Amount :  XXXX I sent a certified Affidavit to the third party company for alleged debt. I did not authorize the account and I do not have a contract with the company.
A collection agency is calling my parents and my ex 's mother and they are harassing them daily then they stop for a few weeks and start calling again.
My mortgage company transferred my loan to another lender and because of the transition they took out a payment for my PMI Insurance ( for XX/XX/XXXX ) in XX/XX/XXXX. The amount is {$200.00}. In the mist of all this, I refinanced my home through another lender. They paid off the loan XX/XX/2016. There is an escrow refund owed to me that does n't include the {$200.00} ( PMI Insurance ) they are suppose to give me for XX/XX/XXXX. I called multiple times and they said the PMI was due XX/XX/XXXX therefore they will not refund me the amount. Why would I pay PMI Insurance for a loan I do not have with them? Its like selling your car and still making the car insurance payment. I would like my {$200.00} refunded for XX/XX/XXXX. They had no right to take that money out a month in advance.
When I tried to create a regular account with PayPal, they ran my credit and created a actually account with money on it that I had to pay back. I did n't notice until I got a email saying that I had a bill
Our daughter was not given the option of a Federal loan which she should have qualified.instead was forced to take a private with us co-sigin the loan. XXXX, also made our daughter retake classes. This university and loan Dept should be looked into. She is now in Debt way over her head, and so are we as co-signers. Please look into our complaint. 
XXXX XXXX
I made my mortgage payment and received confirmation on XXXX/XXXX/2015. I received email confirmation and postal confirmation that my payment posted on XXXX/XXXX/2015. I contacted the Bank on XXXX/XXXX/2015 because the payment had not posted. The rep indicated that the payment is on file and was probably delayed due to the Holiday. I received notification today that I am 30 days delinquent from my credit monitoring service and that they never received payment. I have both confirmations.
Hello, Today I received a call from a representative from American Education Services [ AES ]. The caller gave her name and an ID number and proceeded to ask me to  provide my date of birth and other personal identifying information. She did not identify who she was calling from until I asked. In this day and age, I do not feel like any company should call me and ask me to provide my name or SSN without making it clear that they are who they claim.
I have been continuously getting the run around from  XXXX   XXXX   XXXX   XXXX  and LJ Ross Associates regarding my medical bills- patient responsibility amounts. I called  XXXX   XXXX   XXXX   XXXX  in  XX/XX/XXXX  to make a payment arrangement on ALL outstanding bills as the statement I received in the mail stated. It stated that if I was unable to pay that I could call and setup a payment arrangement. I called  XXXX   XXXX   XXXX   XXXX  and was setup on a payment arrangement and paid the balance in full  XX/XX/XXXX   . Then the very next day  I g ot a letter from LJ Ross Associates which is a debt collection agency for a balance I thought I just paid through the payment arrangement.  XXXX   XXXX   XXXX  uses, LJ Ross Associates as a debt collector and the few bills that I was under the impression I was paying off were not included in the payment arrangement only facility fees. I called  XXXX   XXXX   XXXX  after talking to a representative a t LJ  Ross and the  XXXX   XXXX   XXXX  billing representative "  XXXX  '' told me that, that bill was not included in the payment arrangement. I do not understand how they could have been left them out when I asked for " ALL '' outstanding bills to be setup on a payment arrangement bills. I am in the process of obtaining a mortgage and this is hurting  my credit score. This  is super frustrating and this is not the first time  XXXX   XXXX   XXXX  has billed me incorrectly. In the past they have not billed my insurance timely and then when they finally do bill my insurance and my insurance pays their portion I get sent my co-pay or patient responsibility to a debt collector instead of giving me the opportunity to pay first.  XXXX   XXXX   XXXX  facility has gone through various changes through the past 10 years and I really think that they have cut corners to clear accounts before new owners have taken over. Fortunately, I have gotten those past issue off my credit report by disputes through the  XXXX  credit bureaus, but this is getting very frustrating and I need this to stop. I 'm sure I am not the only that this issue has happen too.  XXXX   XXXX   XXXX  billing practices ne ed to be investigated. And currently the bills I have been responsible for that were sent to LJ Ross for  collection were paid an d LJ Ross list ed them as a charge off on my credit report when that is not accurate. I understand that may be a separate issue but both companies practices should be investigated.
XX/XX/XXXX Wells Fargo Corporate 0ffice XXXX XXXX XXXX XXXX XXXX, CA XXXX To all parties concerned : On or more specifically during the protected emergency disaster period of Hurricane Irma RE : President Donald J. Trump Approves Major Disaster Declaration for Florida Release date : XX/XX/XXXX Release Number : XXXX Wells Fargo knowingly purposely and wrongfully attempted to auction force sale my home via the court scheduled dates on 3 seperate consecutive times during the disaster period being XX/XX/XXXX followed by XX/XX/XXXX and continued by XX/XX/XXXX. it is a fact that this banking institution repeatedly ignored and neglected all consequences or damages related or implicated causing tremendous violations against my person surrounding and directly affecting the facts herein by their actions based on unjust, unfair and unreasonable practices. 
Each disaster in this case Irma is a severe event that requires careful assessment. And because relief and recovery may take a long time, The short term period recovery phase of a disaster period typically lasts from six months to at least one year because immediate threats presented by the disaster, including meeting humanitarian needs ( food, shelter, clothing, public health and safety, home repairs, ), cleanup, damage assessment etc. As the response period progresses, focus shifts from dealing with immediate emergency issues to conducting repairs, restoring utilities, clean up process and all affected areas caused by the hurricane including but not limited to all relative implications the stages of recovery dont always follow a neatly defined course or timeline. 
It is a known fact and important to see that Wells Fargo 's response against my person during this very difficult and time was nothing short of a complete deliberate, intentional cruel and unusual act that should be addressed, corrected and remedied accordingly and significantly. 
As a forekwowing witness and victim of this kind of foregoing abuse of actions conducted by Wells Fargo I hereby hold Wells Fargo responsible within the jurisdiction of all violations but not limited to this complaint. 

Sincerly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I need you to send XXXX my updated transactions. Your delay is literally costing me money.
Hello, I submitted a signed letter to XXXX, verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to XXXX  and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave XXXX  an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 
I am submitting a formal complaint to this website to get the assistance I need in this request.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from Experian. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX   ( XXXX  ) XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2018 RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX recordXXXX XXXX XXXX XXXX   XXXX, CO XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   recordXXXX  XXXX XXXX XXXX XXXXXXXX, CO XXXX ( XXXX ) XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
I returned a gun safe to Costco and Capital One has not sent me a check for the credit
Bank of America AGAIN ... .for the past year BOA has been either saying I did n't submit a payment ( when they credited MY payment to someone else 's account ) ... telling me they sold my mortgage ... then telling me did n't sell my mortgage .... telling me my payments were late ( when they were n't ) ... and the latest That I applied for some kind of LOAN. I have NOT applied for new loan ... modification or any other program Bank of America has. This is the continuation of the tactics they are using to confuse consumers or coral them into a program or loan that they did n't apply for.This bank needs to be made accountable. If they keep HARASSING me I am going to file a law suit for discrimination. ( age, race, gender )
Usaa try to close my account and do n't want to do business with me because of a defect of not including the number on my account
Based on the tools provided by Equifax, it would appear that my personal data was compromised along with that of potentially millions of others. This is per Equifax 's own tool equifaxsecurity2017.com.
Asked that a duplicate title release letter be mailed to me on XX/X/2017. 

Bank will only email me an " account status '' letter.
I took out loans with XXXX XXXX in XXXX XXXX. I paid them thousands of dollars in interest over the years. They finally sent my jewelry back and I found out there were issues such as missing diamonds, less gold weight, etc. I took my items in and found out that XXXX XXXX had put me on a nationwide blacklist and I was told that I would never be able to take a pawn loan. There were issues with the jewelry that I received back and it was not in the same condition as when I originally gave it to them.
on or about XXXX XXXX i purchased product online and unknowingly signed up for card. I paid for purchase but Chase card co. charged me XXXX bucks and now plus fees and interest, I AM NOT PAYING IT and I have told them so, I have cut up the card
My mortgage was purchased by Ocwen in XX/XX/XXXX during a Short sell. Ocwen was taking so long to agree to the terms the buyer changed her mind. We had other buyers but no agreement was ever made. It is now XX/XX/XXXX and since then my property has been vandalized and all of the plumbing was stolen. I have asked them to foreclose or allow us to give the home in Lieu of foreclosure. Ocwen had declined both. I just want closure I have tried to short sell the home but unable to.
TransUnion 's initial web page does not provide a way to obtain a free credit report. Instead it provides a free credit score and a credit report for {$1.00}. You have to create an account with them in order to get either. Both are part of a 7 day trail. After 7 days you have to pay {$17.00} a month for their monitoring service. You can cancel within the 7 day trial period. This TransUnion web page came up on the www.freecreditreport.com site. I have no idea how to get my free credit report from this company. I do not feel I should be required to create an account with them in order to get my report. The other reporting companies do not require this.
Chase bank is failing to send updated transaction information to the company XXXX so that I may receive money for the hours I have worked in the week. Failing to do so is causing the bank to send me a fee for not having money in my account, but if they sent the info like they are supposed to, I would n't be charged the fee. They are essentially stealing from me
The referenced accounts have been reporting on my consumer credit file in error 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX
So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my XXXX  credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX   ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt owed.
I mailed a Multiple  Inquiry Removal Letter by mail in order to dispute information, in regards to 7 har d inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted includ ed 7 H ard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigate d and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I filed a dispute with Equifax and my results are dated XX/XX/2016, they deleted the address of : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I explained that this address does not belong to me, I have no knowledge of this address. Equifax has re-inserted it back on my credit report, after they sent me correspondence that it was deleted. I demand that this be looked into immediately as it is a violation of FCRA. Thank you for your investigation into this matter.
On XX/XX/XXXX Transunion was given a formal complaint via electronic transaction with XXXX and was provided with investigation number XXXX. 
The investigation was completed on XX/XX/XXXX. These dates and information at this point demonstrates that Transunion is in violation of the 30 day agreement as set forth by the guidelines of the FCRA. Transunion has been contacted and is failing to admit responsibility of clearly failing to comply with the FCRA requirements. No further complaints by other consumers or any notifications on Transunions website or publication otherwise including letters, emails and social media demonstrate any delays in their system. Therefore Transunion shall have no choice but to delete the following accounts XXXX- Reason part of Chapter XXXX bankruptcy {$0.00}, disputed as not my account XXXX  XXXX Reported on XX/XX/XXXX Amount {$77.00} - Disputed as Not my account or belongs to someone with a similar name XXXX Reported on XX/XX/XXXX {$0.00} _ reported as exceeding time to list on credit report XXXX Reported on XX/XX/XXXX {$0.00} Part of a Chapter XXXX bankruptcy Transunion has been notified repeatedly that I have not filed for bankruptcy and is not listed on my credit report as all Bankruptcy charge offs for Chapter XXXX are reported. Transunion still fails to acknowledge based on this information that the information is inaccurate. Transunion also claims they have supporting documentation for each account reported and verified as accurate yet refuses to provide the information used to justify their actions. 

Transunion is in violation of FCRA including any past disputes on the same accounts that did not exceed 30 days. Transunion should be directed to delete these accounts immediately from my credit report based on factual information listed in this complaint