WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Neltnet, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. No documents we 're sent over to the address I have on file for the creditor. The creditor nor any credit bureaus attempted to contact me during this incident until I sent over police report documents, certified letters, etc.
From XXXX I lost {$3000.00} being mislead by NJLENDERS,XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX was told I qualified and paid inspections, appraisals, certificate of occupancy, adding fire extinguisher, smoke detectors, carbon monoxide detectors in house paid labor to install these things and then to find out i am denied because address written on tax returns. Why was n't this noticed before how would I have known? I find this all out after all of my hard work and time spent and money.
I attended XXXX XXXX, a XXXX XXXX, in XXXX XXXX, MI. The school has since closed down, no longer offering the " lifetime '' job placement assistance. Nor were they honest about job placement rates as evidenced by my own classmates. I feel that they misrepresented themselves and it was false information that impacted my decision to attend.
I monitor my credit report, more frequently now as we 're attempting to buy our first house. A collection notice was filed for the amount of {$3900.00}. We have received no notification of this debt, no verification of this debt, and consequently no notice of right to dispute this debt.
Netspend has caused me several issues. First I filed a transaction dispute. I informed them I had the card in my possession, and they failed to inform me that the card was being locked ( and also did not do anything to assist in the provision of a new card ). After the card not working on a purchase the same evening I called them the next day. After reviewing my account, and myself telling them about the dispute, they told me to use the old card at an ATM. Only after that failed as well did they tell me that the card had been disabled. They were only willing to waive a XXXX fee to send a card in 7-10 business days even though they mislead me, and failed to offer a new card ( I asked that it be expedited ; 3-5 business days ; with any fees waived. They refused, and said to get it expedited I had to pay XXXX ). 
After receiving the new card everything was fine until the date of this complaint. I was enrolled in their XXXX to keep from having fees every time I used the card. I found XXXX total fees, and that the plan was no longer set on my account. I called to have the reset the plan, and told them that I needed those fees reversed due to the fact that I never cancelled the plan. They returned XXXX of the fees. After calling them again they refused to return any further fees quoting that the plan " had expired ''. There was no indicator anywhere of any expiration. 
Anytime I have asked for a supervisor they would attempt to refuse me. I have to literally yell at them to stop talking and get a supervisor at which point I am put on hold for an average of 15-20 minutes. Any supervisor I have spoken to has refused any request I made quoting " we do n't have access in the system to do that ''. Once I asked for someone above the Customer Service Supervisor. I was flat out denied access to anyone further.
I purchased and returned an item to Zales jewelry store in XXXX, Delaware on XX/XX/2018. The return was completed and I have attached the email confirmation showing the credit should pear in 5-7 days. As of today, XX/XX/XXXX, the credit has not appeared. I spoke to Zales customer service on XX/XX/XXXX and was told they never received the item back from the store. I went to the store. The store manager gave the Zales agent the tracking number from XXXX to show they sent the item back to the warehouse. The agent told me she could credit back the item once XXXX confirmed they picked up the package. Now, three business days later, I still have not gotten a response. I dont believe I should not get a credit because of actions the store did or didnt do after I completed the return. Because the credit is not on the account i am being told I need to pay for the item or it will impact my credit. Any help in getting this resolved would be greatly appreciated. Thank you, XXXX XXXX
XXXX Hospital - Date of Service : XX/XX/XXXX Account Status : [ PAID IN FULL ] FRAUD COLLECTION PRACTICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of services of " Observation '' for services rendered on XX/XX/XXXX XXXX {$730.00} ) and XX/XX/XXXX ( {$910.00} ) Reporting : XXXX  and XXXX   ACTION TAKEN : Cease & Desist and Dispute with credit agency.
There are a number of items on my credit report that have been closed pre consumer request, that i would like removed form my credit report due to the alloted time they have been closed. In addition to, some item that to do not belong due to fraud/ identity theft that should be removed from my credit report. Thank you in advance.
Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, California XXXX I sent a letter for debt validation of the underlying deficiency. 
They sent statements with the wrong address and no proof legal notice of repossession or resale of vehicle. 
It it reporting erroneous information on my credit report. 
I will like this matter resolved it had been almost 4 years.
This afternoon, I received a phone call from XXXX. They left the following message : " This is XXXX XXXX [ possibly XXXX  or XXXX ] calling from the XXXX XXXX. I need to verify a current address as well as a place of business address to proceed against you. At this time, you are forfeiting your right to take care of this matter outside of court. We will contact your Human Resources Department to follow proper protocol and procedure to serve you on the property. Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number. This is my final attempt. You've been officially notified. '' When I returned the call and asked for the name of their business, I was told it was " XXXX XXXX XXXX ''. The woman I spoke with told me her name was " XXXX '' but refused to give me her last name. She also initially refused to give me information unless I verified my Social Security number. I declined. Then she told me they were attempting to collect a debt on behalf of XXXX XXXX. When I told her that debt was paid successfully years ago, she grew irate and began pushing me to tell her how much I paid, and that I hadn't " paid in full '' according to her records.

While on the phone, I pulled up my credit report and told her I had XXXX   delinquent accounts, and the XXXX XXXX  account currently showed " Paid Successfully '', she accused me of being " one of those professional debtor XXXX   '' and hung up on me.
I received a letter from a debt collector claiming I owe {$970.00} to XXXX XXXX. I have emailed XXXX and the debt collector and stated I do not owe the debt they are attempting to collect, and requested a response as well as some sort of documentation showing why they and/or XXXX believes I owe them what the collection agency is attempting to get me to pay. I have not received a response from either. The debt collector 's letter included an attempt to pressure me to pay half the debt claimed by XXXX/XXXX/2016 or their " offer '' would be withdrawn, yet no documentation supporting the existence of the debt being claimed has been received by me.
We used autopay to pay off our statement balance with FIA Card Services, a XXXX XXXX XXXX card. However, the payment was returned ( never applied to the account and never debited from the checking account ), and we were charged a return payment fee. There was no late payment because we had already submitted the minimum payment due. We called on XXXX XXXX, 2016 to make the payment in full again and to get reimbursed for the return payment fee ( the fee was eventually reimbursed ). We submitted a payment over the phone on XXXX XXXX, 2016 to the credit card through FIA Card Services. The new payment was never applied to the account balance, but the transaction still shows on the checking account, which is also through XXXX Those funds are now missing, and the FIA Card Services website shows " You can not login to FIA Card Services. You do not have any open accounts. If you believe this is an error, please contact customer service at XXXX. '' We called the number and waited on hold for XXXX and half minutes and were unable to speak to a representative. The card account is now with XXXX XXXX XXXX, however they do not have a record of the account balance yet.
Experian is not responding to any of my numerous requests to investigate, verify and remove  XXXX  account from my credit report that does not belong to me. They are not responding.
XX/XX/XXXX I received a collection notice from I.C. Systems, Inc. trying to collect a debt from XXXX. The letter was in my name but sent to an address I have never been to or lived at, then crossed out & forwarded to where I do live. I tried to contact them to resolve this & got no where. I have since received more letters, the latest XX/XX/2016. I called I.C. Systems on XX/XX/XXXX AGAIN, spoke to XXXX. She informed me I needed to call XXXX, which I did. I spoke to XXXX at XXXX, he looked up the account & verified that neither my ID, social security nor my address matched what they had & felt that I.C. Systems is sending this to the incorrect party. He instructed me to call I.C. Systems back & relay this info & tell them they need to stop contacting me since they are not doing their job correctly and if not I should file a complaint against them. Approx. XXXX., I called I.C. Systems back & spoke to XXXX. He was very adamant about not wanting to hear my explanation & said it was out of their hands, that XXXX was handling it. I told him that was false, I just got off the phone with them & would like them to stop sending these & he preceded to hang up on me.
I'VE CONTACTED ALL 3 BUREAUS AND XXXX XXXX XXXX AND ENHANCED RECOVERY/XXXX TO VERIFY THIS DEBT ATTACHED TO MY CREDIT REPORTS AN NO SIGNATURE NOR CONTRACT WAS PROVIDED TO ME. THESE 2 DEBTS HAVE BEEN REMOVED SEVERAL TIMES FROM MY REPORTS ONLY TO BE PLACED BACK ON MY REPORTS WITHOUT NOTIFYING ME.
There was an account that was in collections. this was paid in full on  XXXX . This item continues to remain as an open collection even though i have supplied info to equifax showing that this has been paid and needs to be adjusted and they continue to claim that they are " verifying the debt '' which is impossible as i have a letter that shows this incorrect
I have sent 2 letters to Experian asking for the following accounts to be removed from my credit report. These companies : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( which I believe was removed and then placed back on my report ) have not validated that the debt is indeed mine. I have not received any correspondence from them with my signature or identifying me as the person whom created the debt. With all of these data breaches I must be extra careful. Also, I asked for the public records to be removed from my credit report. The courts have said they do not report to the credit bureaus and I was under the impression credit reporting companies as of XXXX 2017 are no longer able to report info from a 3rd party vendor and there had to be certain stipulations. Like having my name, social, DOB, and address. I would greatly appreciate any help you could provide in resolving this issue. Thank you.
Lexisnexis is now saying I may be a victim of fraud this is complaint So I ask what have they done to correct the information that they deem as a fraud. Are they still reporting said information as fact? What steps have they taken to correctly report information? Please advise..18th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address doesn't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that doesn't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXXXXXX XXXX Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX Not XXXX XXXX XXXX please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Weltman Weinberg and Reis is showing up on my credit bureau and they are claiming that they represent XXXX XXXX XXXX which was as loan provided by XXXX in 2005 that I claimed chapter XXXX on. The statue of Limitations is really up and XXXX XXXX XXXX is no where to found anymore. The attorneys office is just a collection company and they wont provide any info on XXXX XXXX.
1.   XXXX   XXXX   2.   XXXX   3.   XXXX   4.   XXXX   5. PNC Bank 6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Quicken Loan placed a lien on a lot personally owed in full by us. We had applied and were approved for a VA refinance loan in 2012. prior to that in XXXX 2012, we had changed our property lines and that was approved by the XXXX XXXX county board and filed. When Quicken was working on the loan they received the new approved survey and the new Parcel numbers for each lot, they XXXX attached to the home address and the one owned by us. They chose to place a lien against both my lot and the one that was the home lot. I did not find out about this until they paid my taxes on the lot that was mine. They now state that thier Title search company ( owned by Quicken ) did everything correctly. However, the XXXX XXXX title people state that is not true. I have all info in a form that I can send, this has been reviewed by the WI state banking examiner who are not able to resolve this due to a lack of legal personal. The bottom line here is I was forced to take a second remortgage in order to gain my own property back from Quicken. While Quicken covered most of their cost, they refuse to repay me for the cost of the VA funding fees. We could use some help with this. 
thank you XXXX XXXX
It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.
National Recovery just reported a {$1500.00} medical debt on my credit report. Prior to reporting this debt to the credit bureaus, I did not receive a notice of my right to dispute. I would have contested the debt, but I wasn't given the opportunity. By reporting this debt on my credit report without a 30 day notice to dispute, they have violated my rights under the Fair Debt Collection Practices Act.
I applied for a loan with the office in XXXX KY for the company OneMain Financial and I was discriminated against because I am on XXXX. I feel It was wrong to treat someone with a XXXX the way I have been treated. The Office Manager She hid behind my student loans that are deferred for a year after I was initially told that I could be helped if I got her paperwork of them being deferred for a year. I was working with a loan officer initially when I applied for the loan of $ XXXX {$3000.00} dollars and was told because I have student loans showing up that I need a letter showing they are deferred for at least a year before they could help me and give me a loan that was company policy. I talked to XXXX Friday and told her I had the letter and I also had my award letter from XXXX as well stating I had backpay coming and if that could be used as well to show my income for the year as it was from XXXX and that was the source. She said to send the paperwork which I did. She said her manager would have to look at it and approve it and would look at it Monday. Well, she called me today and told me she could not help me because my student loans were only deferred for a year and my XXXX was my only source of income and I had a credit payment and then insurance would have to be put on the car. I explained that I could afford everything and needed the car to get to doctors, food shopping and appointments and she said that I would have to get my student loans discharged permanently before she could help. I explained I could not do that because I did not have any way to pay taxes that would be due because the way it works when student loans are discharged. I begged her to help and it kept being brought up that I was on XXXX and had Student loans that would be coming up due in a year. I only needed the loan for a year and could have paid it off I explained and she was wanting to extend the loan for over a year I guess to make more in interest which I only wanted the loan for a year, to begin with and she kept bringing up that I was on XXXX and she could not count my backpay as anything and if I get my student loans discharged she could help me then. My Student loans are none of her business and what gives her the right to tell me to put myself in further financial problems with the IRS her advice was not logical and she was discriminating me and hiding behind me having student loans for the fact of my income being XXXX.
Calls me from Unknown number, says it from s NPS, claims to have mailed me or emailed me items about my debt, says if I dont call them back they are sending a certified letter of intend to appear in Small claims court in my local county.  Say they will be out within the hour.   I try calling them back and when I ask for more detailed info the say they have me on camera and if I try to ask more questions instead of just handing over more money they tell me they will see me in court and hang up on me.   Their number is  XXXX
On XX/XX/XXXX, I received an email from American Honda Financial about a pending loan application. I became alarmed and clicked on the link and was advised to click on another link if I DID NOT authorize the app. I did that, but nothing happened. On this morning, I was alerted by XXXX that my report has been pulled for Honda Financial. I did not authorize this and I do not want this inquiry on my credit.
I have just been denied credit because of a negative medical debt reported on my credit file by XXXX XXXX and Equifax. I have tried repeatedly to get XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to verify an negative item they reported to Equifax to verify this debt per the FCRA. I have also repeatedly asked Equifax to verify this negative information as well, but Equifax claims they have verified this. Obviously Equifax is not doing a reasonable investigation per the FCRA and not sending me any documentations to prove that. Neither is XXXX XXXX XXXX. In Accordance with my Federal Rights I am entitled to this information and if it can't be provided this information is to be deleted.
i applied for a TD bank credit card. i was promised a {$200.00} sign on cash bonus when i spent {$1500.00}. i did my part the bank will not issue my {$200.00} sign on bonus.
The bank reorders transactions in order to increase overdraft fees. High charges on account were not shown to be pending, and later these charges were suddenly posted when the account 's fund was at its lowest, triggering back to back {$35.00} overdraft fees on charges as low as 4 dollars.
Naviant keeps putting on my credit profile a delinquent account every month which is hurting my credit score. The offending account is over 15 years old and should not be showing up on my credit report every month as Collection/Chargeoff. 
Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Has went on every month for the past several years!!! 
I want them to stop reporting it as Collection/Chargeoff every month as I'm trying to rebuild my credit. This account should be resolved and even if it was still in collections, it should not show up every month as such, as others don't. It's in there one time when it's happening and it's not reported on a monthly basis. 
Thank you
I have filed several disputes with Experian and XXXX stating the information is fraudulent accounts and have request per my rights to receive validation or verification of these accounts and have not receive anything thing XXXX  has taken several months since my last disputes and Experian refuse to receive or investigate any more disputes concerning these accounts I have sent several letters to both of these companies and they are not sending my the proper paper work XXXX XXXX XXXX XXXX amount of {$1500.00} XXXX XXXX XXXX XXXX amount {$1300.00} these accounts are fraudulent
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$200.00} from XXXX XXXX on XX/XX/2018 and another {$250.00} on XX/XX/2018 and another {$80.00} on XX/XX/2018 ( in total, {$530.00}. ) I have since repaid {$640.00}. I still have a balance remaining. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I previously submitted this complaint and no resolution was reached.