WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a problem with XXXX and ended up filing a complaint with the Florida State Attorney General. Case # XXXX XX/XX/XXXX. 

The issues I have had with XXXX have been horrendous. 

I have tried to settle this issue with XXXX since then. 

On XX/XX/XXXX I again tried to settle this with XXXX to no avail. They denied my payment. After a long back and forth e mail with XXXX ( which I can provide ) in which I advised XXXX they did not have any permission to charge anything to any credit card they might have on file because I was disputing the fees and charges, they attempted to charge my XXXX XXXX. Which thankfully XXXX XXXX denied, closed my account, and sent me a new card and account number. XXXX tried to charge my card on XX/XX/XXXX, after I advised them not to do so! 

Any attempt to deal with XXXX has met with negative results. It took my over 3 months to get a bill from them to even to begin to dispute the charges. 

Now I get an alert that this company, GC Services, has placed a collection account on my credit reports. I do not know where they came from. I have never heard from them or about them. ( I have had the same number for 10 Years ). Not once have I been contacted by them in any way, either U.S mail, e-mail or via cell phone.

I do not know how they can randomly ruin my credit without me even knowing who or what they are. 

I feel I have been violated and I want to pursue any and all legal actions against XXXX as well as XXXX XXXX to the fullest extent of the law. 

I understand I will need to contact an attorney, and I will do so as soon as possible. 

I feel GC Services needs to remove these items immediately as they are incorrect.

GC Services is not known to me I have never been contacted by them or what they are and they should not have the power to ruin my financial livelihood.

Thank you for your attention to this matter.
The account reported to my credit report needs to be validated. I have no knowledge of this account. I am requesting full validations. 
Not the seeming verification process. I do not understand how and why this was reported. requesting how the information was submitted.
This is worst kind of company incompetent and totally out of compliance! Do not call or ask this company for advice, XXXX XXXX XXXX! My wife and I called in 2012 and asked about having our taxes done with XXXX. We never entered into a contract nor did we ever sign any contract agreeing to any fees! Our contact XXXX was disrespectful and egregious to my wife, a XXXX XXXX, and myself. We did not like her attitude, guess we were right as she has reported us to collection agencies for erroneous fees she says we owe when we never agreed to any fees nor did we enter into a known contract agreeing to any fees! We actually never met with nor did we ever intend to employee this nasty person XXXX! This was a horrible person and we never would do business with a person like this!. Not to mention because our phone call took place 5 years ago, the statute of limitations for a collection has passed for either a written and or verbal contract, nor did the company go through due process. The collection agency is a gross injustice and in violation of the predatory lending laws and needs a reprimand by the CFPB. Please see that this horrible company are fined due to fact that they are out of compliance and we would not want to see any good folks like us taken advantage of. We will pursue this company to the full extent of the law for their greed and gross injustice. We wish to be adjudicated forthwith without prejudice! We have reported this company to CFPB, XXXX and the Better Business Bureau!
X/XX/17 {$600.00} Company never contacted me about a debt. Placed on credit report, no contract with this company.
Equifax and XXXX are showing an XXXX XXXX Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an XXXX XXXX Card Credit Card, and as such, my credit score with them is much higher.
Freedom Mortgage cashed my XXXX 2015 check, yet did n't apply it to my loan account. I then received a letter in the mail saying the XXXX payment was late. I called them saying the check cleared my bank on XXXX XXXX. They had no record and I was to send them in the mail a copy of my check being deposited by them. A week after I sent in the check i was called from them bill collecting. I explained my issue, they lady saw my check was received but just sitting on my account. She was going to have to open a ticket to get it applied and assured me it would be applied on XXXX XXXX of when they got my check originally. I called today XXXX XXXX and they applied my XXXX payment on XXXX XXXX! Just got off the phone and now it is going to another XXXX departments to get it applied on the correct date. Very frustrated as I have done nothing wrong yet these people are screwing with my credit.
Around XXXX of this year I received a letter from a collection agency stating that I owed the XXXX {$600.00} for an unpaid citation. I have never received any letters from XXXX Government about this. I spoke to my niece and learned that the citation was for a parking violation. Her car is in both our names. She also told me that she was paying the citation off on a payment plan to the same collection agency. I had her call them. They told her that they were going to combine both cases together as it was for the same citation. They also told her that they would be sending me a statement and that she was to hold off paying until they sent the billing statement to me. I included all this information in the letter that I sent them and mentioned that they can not collect twice for the same citation. On XXXX I received a letter from them which ignored all the information in my letter to them. They stated that I owed them {$600.00}. My niece is still paying them for this citation. The agency has clearly failed to combine our accounts as they said they would.
The account in question has been closed for years now, but I still make payments on it. It ends in XXXX. Anyhow, a payment is due on every XXXX day of the month. Last month, on XXXX-2017, I submitted a payment of {$21.00} XXXX the minimum was {$20.00} XXXX. They will not allow you to submit a payment online without meeting the minimum. Anyhow, Citibank claims that I did not send in any money. However, I have proof that I sent in a payment ; they may have not deducted it from my account ; which is not my fault. I had enough money in my bank. I should not be charged any late fees for this for the month of XXXX 2017.
I have two long-standing credit cards that were taken over by XXXX XXXX  a couple of years ago ( JC Penney and WalMart ). I moved recently and as I worked my way through all my credit cards, I found that the only contact number for these two cards was my old home phone number, which has been cut off because I moved. As stated, I have had these two cards for years. XXXX XXXX insists on sending a text message to my phone before it will allow me to change my profile, but they won't accept my cell phone or my new home phone, neither of which I had years ago when these accounts were opened. I talked to customer service about the Walmart card and they told me to make copies of my driver 's license and a utility bill for the new house and send it by mail, which I did ( copies attached ). I have also given pertinent security information over the phone ( last 4 of SSN and mother 's maiden name ). I called to follow-up about a week later and they apparently had no idea what i was talking about. Then about the same time, I got the attached letter from them asking for this same information! This is ridiculous! They say they are trying to prevent fraud, but they are inviting fraud by not allowing me to change the address and email! Today I got to my JC Penney card and the exact same thing happened and they are going to try to make me jump through hoops to fix that one too. My JC Penney card has a XXXX  balance, and I am going to pay off my WalMart card this week. I doubt a fraudster would pay off my credit card for me. And incidentally, when I do, they will start lowering my credit limit because I am not using the cards, which should be against the law. Please see if you can persuade these people to allow me to change my profile for these credit cards. I would close them both but both have a high credit limit and it will hurt my credit to close them. This whole thing is ridiculous! I have attached all the pertinent correspondence. Thank you.
I am desperate need of a loan modification and I was denied by Greentree XX/XX/2013. I am a XXXX year old widow and according to Greentree I was not offered a loan modification because my income was outside of the range by XXXX cents.
I have notified XXXX, XXXX XXXX, and Equifax via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
A debt that I never owed from XXXX XXXX was just updated on my credit report from XXXX XXXX. I have never had this debt but they continue to harass me about it without showing me proof of my old account they claim I had with XXXX XXXX. This dropped my credit score. XX/XX/2018 it says it was opened. I received a letter from them saying they will accept half the amount if I paid them.
XXXX has my address as an office on my credit file XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have attach a picture from google maps of XXXX errors
My CC account was recently closed without any prior notification. I only learned about it when I received a letter stating it was to be closed. I immediately called customer service and was only told nothing could be done other than apply for a new account. Now, if I were to apply for a new account it affects my credit score ; if I allow you to close my account it affects my credit score based upon available credit. 

My husband and I both have 800+ credit scores, I would think I am the client Capital One would wish to keep and there has to be a way to re-open an account that I did not request be closed. Had I received a notification that I needed to use the card to maintain the account, I could have easily done so..that wasn't communicate that. 

I was only provided a fax number to send my compliant to, which I did several weeks ago with no response.
I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XX/XX/XXXX. all three credit bureaus have the incorrect date in there system, that reads XX/XX/XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to Experian over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with XXXX and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..
I have had a mortgage with Wells Fargo since XXXX. Paid timely with no problems. I own stock in XXXX which I tried to sell and have been continuously trying to sell for the past two years without success. The agent for XXXX is Wells Fargo XXXX. After a daughter requested the forms from WFSS to sell the stock since it was purchased under the UGMA and she was turned down saying her mother was the only one who could request the forms and sell the stock. I requested the forms, received them via email, filled them out including a Medallion Certificate properly filled in by a bank. I sent the forms to WFSS via overnight mail - that was XX/XX/XXXX. Hearing nothing from WFSS for over two weeks I called. They could not find the forms and kept me on the telephone for 45 minutes as they tried to locate the forms I sent to them. They finally found something which said the forms were returned to me because they were not complete. Several days later I received the returned forms. I called WFSS to ask what was wrong - they said pages were missing. I asked for emailed forms to fill out What they sent was identical to the first forms they sent and all were filled out properly. Having been a stock broker years ago I had some knowledge of these forms. I sent them back to WFSS. Because I was selling the stock because I needed the money by refusing to sell the stock Wells Fargo put my mortgage to them in jeopardy and I have had to pay {$250.00} as a late fee for several months now. In spite of many calls and filing with other agencies nothing has happened. I filed with the SEC against Wells Fargo. They lied to the SEC saying I needed to fill out the Medallion form and had not done that. They received the Medallion form from me filled in by a bank. I filed against them with the Massachusetts Attorney Generals Office and FINRA. To both of these groups Wells Fargo lied about the reason they did not sell the stock. In the meantime, they continued to collect the $ 254/month late fee because of the bad situation they put me in. They had a mortgage person investigate this after I complained to them - they sent me a letter giving me the name of the mortgage person and telling me she was going to investigate. After months, she called to say she could not investigate because it was against bank policy for a mortgage person to investigate WFSS. I received a letter from a Wells Fargo attorney saying the same thing. Those letters and contacts contradicted the letter I received from them saying this mortgage employee was asked to investigate this by Wells Fargo. That has been the kind of thing happening with the attempted sale of this stock. I called XXXX and they said they had no say in this and no control over it because WFSS was their agent and it was in their hands. I have a complaint code XXXX gave me when I called to make the complaint. They simply called back and gave me this investigation code and then did nothing claiming their hands were tied. Hope you can help.
Called  XX/XX/XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :  XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX
My credit reports from Transunion XXXX XXXX contain a report for a collection for an electric bill that is not mine. The amount is approximately XXXX dollars. I have disputed the address where the company says i supposedly live and obtained this electric bill. The address i believe has been removed but the negative collection has not been which is associated with this address. This light bill is not nor has it ever been mine. I contacted the company directly and the name on the account is misspelled and I never signed or authorized any account in my name with XXXX XXXX XXXX. I 'd like to get this account removed as it is negatively affecting my credit score.
We had fraud in our office and money was stolen and accounts were taken out that we personally did not nor signed to open.
I recently contacted Equifax and also filed a previous complaint with Equifax back in the beginning of XX/XX/XXXX the company told you that they were working on getting back in my account and also having it to where I could access my credit file online with my confirmation number. I was required to fax the disputes department my personal identifying information to remove wrong and inaccurate name and address from my credit file. I did that and they removed it but on XX/XX/2018 I received an alert where the information has been reinserted. I tried to go online and here again Equifax has blocked me from seeing my credit report online. I am unable to dispute anything online or even see my credit file for that matter. After trying for the 10th time in two months to access my file online I get the same error message that says the information you provided does not match our records. When I clearly gave them everything they asked for which was my social date of birth and address. Yet and still I am unable to get on my report. There are several address that I have told them and sent proof that I have never lived at those places and one of the addresses are actually not even a real address and yet it keeps reappearing back on my credit file. Every time I call them they tell me that only one address is showing but on my XXXX XXXX all of the unknown addresses are continuously listed on my credit report. I can't understand why they have me fax in proof of identity when they are still going to let these companies report erroneous information on my credit file. I have told them several times that my file was merged years ago and they still yet let this stuff be placed back on my file. I can not really understand how you all continue to let these companies get away with this. There are so many bad complaints and reviews on this company but yet there is nothing we can do about this and these are the companies that have access to our files.
I called Transunion today and customer service would not help me with my inquiry problem. It seems that Transunion removed inquiries from my report then reinserted them without providing proper notification to me required by law. According to section 611 of the FCRA any inquiry that is taken off and then put back on by the reporting agency must be followed up with a notification letter by mail within 5 days of doing so. They did not provide this and thus have violated the law. I am demanding that the following inquires be removed and a new credit report be sent to me. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX  7. XXXX XXXX again 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX  10. XXXX 11. XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX XXXX
I bought a used XX/XX/2009 XXXX from Car Max dealership about a year or so ago. It had car problems from the beginning which I complained about, but they would not make it right. From the beginning it kept leaking oil and had other problems. Even though the car had been in an accident before I bought it, Car Max represented it in fine condition with a " XXXX point check maintenance before sold to me.I took it to a XXXX XXXX XXXX, and they estimated it to have repair costs in excess of {$8.00} grand, including needing a new transmission and faulty mechanics. they broke the implied consumer promise of selling a reliable car. I took the car to the Car Max dealer on XXXX in XXXX FL, and the car sales man and his " Finance Manager '' tagged teamed me and told me I had no choice but to turn it in and buy a new car from them-they encouraged me to default on my loan! They said people do it all the time, and being that I could not afford the repairs I should buy a good running car from them. I have a witness to this pressured conversation. I also have a XXXX dealership ( XXXX ) estimation of repairs : {$8900.00}. I believed them and did what they encouraged me to do, since the Car Max company ( another location ) sold me a lemon! The behavior of Car was exploitive and unethical, and has caused me financial hardship. I have always been on time paying my car payment ( except the last one when I decided I could not keep it and turned it in. I take pride in paying my bills on time, and respectfully request that the Car MAX company make all the needed repairs on the " lemon '', and I will consider taking the car back and making the payments. Either way, I respectfully request that this debacle does not go against my credit, causing me further damage. As reparation and a solution to their behavior and bad consumer product, my request is : PLEASE ASK CAR MAX TO NOT LET THIS SHOW UP ON MY CREDIT.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
On XXXX XXXX, 2016, written instructions were sent to American Education Services as to how my extra payment should be apportioned. The language in the letter to American Education Services was clear and unambiguous. Rather than apply my extra payment as directed ( toward XXXX loan in particular ), American Education Services apportioned the extra payment toward XXXX separate loans. I am attaching the letter sent, in addition to the screen shot of how the payment was apportioned. Although I was advised that the payment would be corrected and apportioned as directed, no correction has occurred.