WillisBack/dataset-financial-user-claim huggingface dataset:
I was alerted by XXXX, XXXX and XXXX  that the collection agency by the name of Transworld added two file to my credit report. So I initially disputed it in XX/XX/2018 as fraudulent due to the fact that I have NEVER had a signed contract and/or account with this company. To no avail they have done nothing, but continue to report invalidated information to all of my credit bureaus. I have sent them letters asking them to provide such information and they have not done anything. This is fraudulent and illegal to have on my credit file.
on XX/XX/XXXX a woman holding a drivers license, with my name and addresss, who 's Number that did Not match my number along with a Social Security Card, That had my name on it, But the number was not correct, went into XXXX XXXX XXXX business office and took out a loan for XXXX. This was reported against my credit and had nothing to do with me. 
I met with the NJ district manager, XXXX XXXX, who showed me these documents and i told him that these artifacts did Not Match mine.. but yet this loan went against my credit. I am working hard to improve my credit and this is quite a blow. 
XXXX did not do their job in my eyes. They checked the name, address, place of business only. 
this is a gross injustice. to make matters worse, when i contacted the number to XXXX XXXX that was provided on my credit report, they said they had no account under my name. i only found out about the theft last week when the account became delinquent. 
Please let me know if there is anything you can do to help
Pool service company " XXXX XXXX XXXX XXXX XXXX '' charged me XXXX - the XXXX time for a service that I agreed on. I paid in full for the XXXX service ( pool opening ). However I was not happy with the work that was done and I told " XXXX XXXX XXXX '' that I will not use their services any more. 

Immediately following the XXXX charge, after I told " XXXX XXXX XXXX '' that I will not use their services in the future, they charged me a XXXX charge without my permission. The XXXX charge was without providing any services without asking my permission to use my credit card info. They charged me Just because they had my credit card info and they realized that I will not use them again. 

I called my credit card company and the dispute was accepted the XXXX charge was returned to me. However the debt collector contact me to let me know that I owe the " service " ( that was never provided ) and lawyer fee.
The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid, was a  charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is  stated as FP ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced  by credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason  XXXX  took such action was because I express dissatisfaction with how  XXXX  was handing my credit investigation with  XXXX   XXXX   XXXX  . The  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment
The company name is : Portfolio Recovery. This company has sent hundreds of letters over the past fifteen to twenty years. I did contact the credit bureau 's and I had positive results, meaning this company was blocked from damaging my credit by from placing current dates as if I had recently applied for credit with their company. And now what this company do is track my addresses, telephone number 's and call leaving no voice messages but I have call block on all of my phones so the above mention name pops up 's from different states and phone number 's. This company conducts many soft inquiries a month on my credit. In the past in all of the letters it states that the statue of limitations of this debt does apply because it is an old debt, and I will not be sued in court. well since I don't have bad credit I just assumed for a long time this was a scam. Until I moved and I had many letters from this company waiting for me from this company. This nothing but harassment and I am sick of it now. I am a retired XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX   and this has to stop. How ever the person from this company that has been tracking me down all of these years makes me feel as though my life may be in danger because of the behavior of this person and the amount of time that this has been going on. What ever assistance that can be given I really would appreciate, because this misconduct must stop.
On XXXX XXXX 2017 Kohl's/Capital One pulled my XXXX credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from Kohl 's. On XXXX XXXX 2017 I sent a letter to XXXX ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX 2017 I received a fresh report from XXXX ( Report number:XXXX Dated XXXX XXXX 2017 ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX 2017 at approximately XXXX EDT I called Kohl 's Credit Department at XXXX. Their automated system confirmed that my SSN was not  in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with XXXX. Of course, I informed her I had already done so and they had referred me back to Kohl 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in Kohl 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on Kohl 's part. However, I still need Kohl 's to correct their error and remove this erroneous inquiry from my XXXX  credit report so that future creditors will receive an accurate picture of my financial dealings.
I tried to open an account with my jobs credit union and they told me that I could n't get an account with them. I looked on my XXXX and I have some accounts that are on XXXX as closed with cause. I looked and it was XXXX banks but XXXX different types of information. Ally Bank date closed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, I would like for this company to make the status just closed.
On XX/XX/XXXX, I was charged the wrong amount by XXXX. I disputed this amount by XX/XX/XXXX with Chase NA. My billing cycle ends XXXX XXXX, this means that by FTC Disputing Credit Card Charges, that this must have been resolved by XXXX XXXX billing statement or 90 days whichever comes first. I did not hear back from Chase Bank NA until XX/XX/XXXX, beyond this period and it was not resolved until XX/XX/XXXX when XXXX gave a small refund. 

Chase Bank NA was informed when asked if my dispute was now resolved, that they did not resolve this within 90 days or XXXX billing cycles and could not collect the XXXX {$50.00} of the amount disputed. On XXXX XXXX, Chase went ahead and rebilled the entire amount of {$70.00} even though they should not have been able to collect the XXXX {$50.00}.
accounts removed from credit report still showing XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Debt was purchased for profit and is not valid or verfified, company is also in voliation of FDCPA, FCRS and CONSUMER LAWS.
XX/XX/2019 : I went online to open a checking account at Bank of America with intentions to deposit check for retirement withdrawal. 

XX/XX/2019 : I received Retirement withdrawal check via mail from XXXX XXXX services. I called Bank of America to understand if I was allowed to deposit this check as my initial deposit in the account. I was told that I can deposit it, but there will most likely be a hold placed on the check and any funds that are made available immediately will be identified at the time of deposit. 

XX/XX/2019 : I deposited my check for {$9200.00}, and I was able to present my Drivers license as a form of identification and I received a receipt stating that {$200.00} would be available immediately, and the rest of the check will be held until XXXX XX/XX/2019. I was also informed that I would receive my new debit card within 4-6 business days. I chose to wait for my debit card instead of taking the {$200.00} cash at the time. 

XX/XX/2019 : I wanted to get my {$200.00} because I was low on cash and I went to the back to get the {$200.00} that was explained to be released and they stated that the funds were not available. After the branch manager called corporate to find out more information I was told that the account is being closed due to a lack of proof of identification. I was explained that since the account is in the closing process, then I will now not be able to have access to my funds for 7-10 business days. I then called the original provider of the check, XXXX, and they stated that the funds have been released to Bank of America. I then spoke with the closures department over the phone where they confirmed that the funds are still being verified and that I will not have access to these funds until the closing process is completed which is scheduled for XX/XX/2019. Then they explain that once the account is closed then I will be sent a cashiers check returning the money and that will take 7-10 business days to arrive. 


I need this money to pay bills. I have already gone one week. I owe on credit cards and utility bills and no mater what I do they continue to tell me that the funds are not available and They can not release them to me. I have provided proof of identification and they continue to hold my money. My credit score and credit companies are asking me for payment of which I will accrue overages and fees. not only is this inconvenient it will be affecting my future financial health.
Midland Credit responding to claim on # XXXX saying that they validated the debt. They did not provide proper validation of the debt and they continue to report to the credit companies. Midland Credit or Midland funding is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
There is a {$57000.00} auto loan, on my credit report from XXXX XXXX. I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX XXXX  and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.
Was called and told about a unpayed credit card. I explained I thought it was payed off and have not received any notice. Thy replied that thy sent letter and ask about address. My address has been the same for 20 years and they did not sent to right address. I asked if they could resend to confirm the unpayed card and they said no that if I did not pay they would be serving me papers the next day. I ask to give some time they said no. They wanted payment now or I would get sued. The scare tactics was horrible. One of the women started yelling at me saying she was doing me a favor and if this is the only chance to talk or there would a judgemental against me in the morning. I asked if the call was being recorded and she got mad and called me uncooperative that she did not have do put up with this that 's she had what sounded like hospice at home and she didnot have to pUT up wits this I replied that i am wan ting to hand let what eversion i owe bUT wold lIke proof of some kind. She got mad and saI 'd if i dI 'd not pay she wold be getting a judgment agains me and cost me more.She said you need to make pay what you owe this would n't happen. I tried to make a deal paying half and making payments on the rest and she a I 'd no that that option past when I did not respond to letter. I said you sent letter to another address and you have correct address and did not send to it. She got mad and hung up saying I would be getting sued. That she new available amount on my bank card wanted payment Another XXXX called back and work a one time payment out after more scare tactics leaving me unsure if I did right by paying. While waiting at bank to clear money another person called my wife 's phone to see if we where going to pay XXXX her We both were aafraid of getting account seized
On  XXXX / XXXX /  XXXX   at  XXXX   XXXX  our organization 's treasurer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  ), received an email pretending to be from me, our organization 's top officer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  with this message : " Hi  XXXX . Are you available to make a payment to a vendor today? Let me know the available balance in our account then i [ sic ] can get [ sic ] further instruction  [ sic ]  on the transfer. Thank you,  XXXX   XXXX   Sent  from my  iPhone '' They have my name correctly spelled and they have my correct email address. However, I do not have an iPhone  and I never sent that message. I checked my  XXXX  account and did not find any such emails sent from my account I have since changed my settings.Meanwhile,  XXXX  did not immediately call me to verify after she received the  XXXX   XXXX  email, but she replied to that email on  XXXX / XXXX /  XXXX   at  XXXX    XXXX   as follows : " I am not sure what you are referring to as a transfer we have money in the account please send me the info  XXXX  '' Then fake  XXXX   XXXX  replied on  XXXX / XXXX /  XXXX   at  XXXX   XXXX  with these details : " Transfer {$6700.00} to the Vendors  [ sic ] banking information  below. Notify me once the transfer has been made and email me with a copy of the wire receipt in your next email. Account name :  XXXX   XXXX   XXXX  Bank name :  Wellsfargo [ sic   ] Bank Routine [ sic ] number :  XXXX  account [ sic ]  number :  XXXX  Bank Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . Thank you,  XXXX   XXXX   Sent from my iPhone '' Thankfully ,  XXXX  did not respond.  XXXX  finally called me about the emails at  XXXX    XXXX   on  XXXX / XXXX /  XXXX  , and I was able to confirm I did not send them and have not seen them. We are concerned the scammers knew our names, their correct spellings, our correct emails and the fact that  XXXX , as the Treasurer, would be the person with the bank account information and that I, as the head of the organization, would communicate with her via email.
My mortgage got transferred to Loancare Servicing XX/XX/XXXX and since then I have had nothing but issues with this company. I set-up auto-payment through their website and when they had n't processed the XX/XX/XXXX payment on time, I called and asked what was going on. They claimed I had entered an incorrect banking account number ( which was not true ), so they could leverage a " Bad Check Reversal '' fee. I later checked the auto-payment summary on their website and the account information was correct. After a lengthy phone conversation with them, they managed to rectify the fee. However, in an attempt to avoid future issues with them holding my banking information hostage and intentionally fudging account numbers and charging me late fees and surcharges, I set-up monthly auto-payment through my banking institution. When the payment processed for XX/XX/XXXX, I went on to their website to ensure the payment went through correctly and saw that they charged me a non-descriptive {$20.00} fee that they took out of my additional principle payment. I received no notification from Loancare that they were leveraging a fee on my payment ( not even on the payment confirmation email they sent me on the payment date ). I also identified that they have the wrong home owners ' insurance carrier listed on my online account, so I do n't even know if they 're actually paying my insurance premiums through escrow. I have tried to call their customer service line 10 times in the past 2 hours and I just keep getting a busy signal. I have been paying this mortgage for over 3 years and have had no issues at all until Loancare took over the loan servicing. At best this company is a bunch of fee mongers, and at worst they 're crooks who intentionally and strategically nickel and dime people.
To whom it may concern ; My wife and I have a mortgage with Wells Fargo that they have refuse to modify. We have also tried to refinance away from Wells Fargo to no a veil. The last company that we tried to refinance with advised us that Wells Fargo has credit reported over {$17000.00} in the rears which is not true. We were in foreclosure, we brought the loan current last XX/XX/XXXX. I n XX/XX/XXXX of last year Wells Fargo raised our mortaage payment {$400.00} a month. Just last week we received a letter from Wells Fargo that we are over {$8000.00} past due, which again in not ture. We are only 2 payments behind. Our mortgage payment is {$2100.00} a month. We did a loan modification back in XX/XX/XXXX which was a step rate modification which has put us back in the same situation we were in before we modified our mortgage in XX/XX/XXXX. My wife and I want to modify our mortgage so we can afford to stay in our home or refinance away from Wells Fargo with a refinanced mortgage that we can afford to make every month. With our mortgage payment being {$2100.00} a month we are struggling to make the mortgage payment every month, which is why we'very fallen behind again. We are trying to avoid going back into foreclosure again. Wells Fargo has made it with our credit report that no one wants to refinance us and Wells  refuses to modify. We need help, we do not want to loose our home.
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Medical Data Systems creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Medical Data Systems INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
I was contacted by High Point Asset, Inc on XXXX/XXXX/2015. They informed me that I had XXXX outstanding pay day loans which I would have to pay.They emailed me XXXX notices stating who the original creditors were and who the current creditor is with dates listed for when the loans were filed and the balance of each of them. I searched today for the contact information of these original creditors, in doing so I found that other cosumers have been contacted by High Point Asset, Inc stating that they owed money for payday loans that were also not listed on their credit reports. I decided to contact the Federal Trade Commission. 

After consulting with a representative at the Federal Trade Commission, I checked my credit report and found that no pay day loans were listed under my name and information. These loans do not exist and High Point Asset, Inc is trying to have me pay them for something that never happened.
In  XXXX  of this year I purchased a new washer and dryer fr om Conns Homeplus a month later the washer stopped working I called Conns regarding my washer has stopped working it took about a week for them to get a technician to come out to my home, then my dryer stopped working and it took a week to send a technician over to repair my dryer. The technician stated the dryer was fixed. A week later the dryer stopped working again. I called Conns again, and asked if I can exchange the dryer for another one. They stated that the technician would have to come out 3 times and tell them that dryer ca n't be repaired. Conns stated that they do n't have a technician and it 's going to be another week before anyone will be able to come out. I bought a warranty for these products and it appears that Conns does n't want to live  up to the contract. I am so frustrated with this company. What can I do to rectify this issue?
Someone called my home telephone, using faked caller ID information " XXXX XXXX- '' and number " XXXX '' at XXXX XXXX. EDT on XXXX XXXX XXXX. They left a message identifying themselves as a " debt collector '' named " Stoneleigh Recovery Associates '' and requesting that I call XXXX. ( The first word of the name was unintelligible but I did a XXXX search for " XXXX '' and the results indicated a vast number of complaints about a scammer called " Stoneleigh Recovery Associates ''. The scammer is apparently trying to get credit card numbers. It is an obvious scam because the faked the caller ID information, in violation of Federal law, and also I have no debts, and so certainly do n't have any bad debts. There also has never been any written notification of any debt, much less any written notification of any past due debt. Since I have no business relationship with this party and it obviously is not a legitimate debt collection call, this call is in violation of the Revised Telemarketing Sales Rule, since my phone number is on the DoNotCall list. I have attached to this complaint a copy of the scammer 's recorded message.