WillisBack/dataset-financial-user-claim huggingface dataset:
I never signed a contract or agreement with the Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX can not collect any amount of money that is not permitted by law or by agreement. 
" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 
Whereas no relationship exists between Immediate Credit Recovery XXXX XXXX and me, and whereas I never signed a contract or agreement with Immediate Credit Recovery XXXX XXXX, I cite Lack of Privity. 
Just because an assignment clause exists in a credit agreement does not mean that it is sufficient to create a new obligation with the Immediate Credit Recovery XXXX XXXX. The assignment clause merely takes away the rights of XXXX XXXX College to collect if they decide to assign it to another company, in this case Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX would then have to offer me a new contract, I would have to agree to its terms, and I would finally have to sign this new contract. If I have not signed a contract with Immediate Credit Recovery XXXX XXXX, I owe them nothing. 
I know my rights, and I am fully prepared to exercise them. You have already admitted in writing that you do not have a contract with me. Therefore, you have no proof that you have ever provided any services to me. There was no meeting of the minds, a necessary element of a valid contract, no contract exists. Since there was no meeting of the minds between me and Immediate Credit Recovery XXXX XXXX, which is a necessary element required to create a legal and binding contract between the two of us, your claim is repudiated. 
So once again, I request the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 
3. Any insurance claims that have been made by any creditor regarding this account. 
4. Verification that this debt was assigned or sold to collector.
5. Commissions for debt collector of collection efforts that is successful. 
6. Proof that Immediate Credit Recovery Incorporated is bonded/licensed to collect in Texas. 

Immediate Credit Recovery INC continues to ignore my requests for information. I am making careful note of our communications. Please provide the requested information. If you can not provide the requested information and you follow suit with bothering my credit report. I will file suit against your company!
XXXX XXXX of XXXX XXXX XXXX XXXX, in State of GA, put XXXX tax liens on my property XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, on XXXX/XXXX/2014. XXXX errors on my credit reports were created when this happened. 

The XXXX mistake was that no lien should have been placed on the property to begin with. XXXX of XXXX Representative on the phone told me this always happens that liens are placed on when the city is reassessing my home 's tax valuation. Because of that, my bank ( Escrow ) short-paid the taxes based on what they assumed the taxes to be. XXXX XXXX of XXXX then put tax lien on the property on XXXX/XXXX/2014 and turned the collection on the taxes to XXXX Services a collection company that works with the city of XXXX / XXXX XXXX. When I called XXXX, they told me that the tax bill had taken care of ; XXXX issues from the same day. That is when I called the XXXX back but they would n't help any further. 

The XXXX mistake with this was they put XXXX tax liens on the same day for the same thing again for something that was out of my control because the city had the incorrect tax valuation. The XXXX tax liens on the same day for the same mistake were : XXXX for {$76.00} on XXXX/XXXX/2014 XXXX for {$76.00} on XXXX/XXXX/2014 I have contacted XXXX TransUnion to get this removed XXXX XXXX of XXXX to correct the multiple errors. Neither would take care of this. I have been trying to protect my credit report from errors such as this and really want XXXX errors removed immediately. 

Please advise. 

Thank you, XXXX XXXX, XXXX.
XXXX has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
There are multiple inquiries from he following companies - i did not authorize these requests for credit. I'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed: XXXX XXXX,  (2) XXXX,  (4) XXXX XXXX, XXXX XXXX XXXX XXXX (5) XXXX XXXX XXXX, (4) XXXX , (2) XXXX XXXX XXXX XXXX,  XXXX XXXX  XXXX , XXXX XXXX XXXX,  (3) XXXX  XXXX XXXX, (3) XXXX XXXX  XXXX XXXX XXXX,  (3) XXXX  XXXX XXXX, XXXX XXXX XXXX,  XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,  XXXX XXXX , XXXX XXXX (2) i would like them removed from my credit file
In XX/XX/XXXX, I closed on a one-year construction loan which will roll into a conventional 30-year mortgage with People 's United Bank. The problem is that the Closing Disclosure statement was wrong. The lawyer, assigned by People 's Bank, walked me through the process and clearly stated that my monthly payment, for the first year, would be {$1000.00}. This appears in black and white on my Closing Disclosure Statement. However, it was wrong, as I learned when my XX/XX/XXXX statement arrived, and after I had engaged contractors and planned my budget for the year. The actual payment for the first year is more than {$2100.00} per month. When I learned of their error, I sent a written complaint to the bank and asked for a written apology and a description of what they would do to avoid situations like this in the future. I also offered a reasonable accommodation to help me stay on budget : the immediate release of the last $ XXXX that is usually withheld from construction loans until the project is completed and a CO is issued. ( Of note, I already have the CO and am living in the house. ) At any rate, the bank sent a letter back to me that talked about their process but did not include an apology and made no comment about my suggestion. They did instruct the VP in my local branch to call and offer an apology. She encouraged me to finish as much as possible before the first inspection and that there would be a good chance, if the house was mostly done, to get an early release of the $ XXXX. So, when my first inspection was scheduled, I contacted the Complaints department and reiterated my reasonable suggestion. The inspection was held in XX/XX/XXXX and deemed the house to be 98-percent done. However, the bank refused to release the final $ XXXX  because it is not 100-percent done and, of more concern, they refuse to acknowledge that the incorrect numbers on the Closing Disclosure statement were a mistake. They told me plainly that they don't think it was a mistake. Without any other option, I am filing this complaint. In my world, {$1000.00} is not {$2100.00} and I believe that consumers deserve to enter into contracts with financial institutions that are honest in their disclosures.
I bought my a condominium in XXXX at a much inflated rate and agent of Wells Fargo Bank suggested a program to finance my home. It has been financed in XXXX loans - XXXX XXXX year ARM and another XXXX years conventional fixed mortgage. Later I came to know none of these are financed by any of federal agencies - XXXX XXXX or XXXX XXXX. When house price collapsed, my home price lost its value. I could not lower my monthly payment by refinancing. I approached Wells Fargo Bank several times to lower my interest rate as was done by my XXXX lender, XXXX. In all circumstances I was turned down because of my negative equity. WFB did not qualify me for any of the HUD programs. I kept paying at higher rate but keep losing money in interest as well as ability to move out of bad debt without declaring foreclosure.
On XX/XX/XXXX I received a phone call advising me that legal actions were being filed against me. The individual I spoke to stated that the card was opened XX/XX/XXXX. I called the number that was advised to call at XXXX and I was infromed of the fraudulent card I did NOT open. They claimed to be a legal office representing HSBC Card Services. When I informed them that this was a fraudlent card they accused me of denying a card I opened and insinuated I was lying and told me " I was not man enough to pay a credit card I opened. '' They ended the call then and there.
Northwest Colletors is reporting a non paid red light ticket XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 
I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.
RE : Equifax and XXXX Credit Report I am writing this complaint because I have gone through this long enough with both of these companies without a solution to this problem. I have tried to request copies of my credit report from both Equifax and XXXX and I have been constantly rejected each time. I have even gone through Free Annual Credit Report and still ca n't get my reporting due to being told that I have no credit file on record. I am being told that there was a freeze was placed on my file and I do n't know by who.This has cost me credit as well as job opportunities all because these people want correct my reports. I have asked and asked Equifax to correct this error and it seem to be have gone on deaf ears once again. My inquires on my credit reports are outrageous due the errors made by Equifax and XXXX which intend has affected my other score. I am requesting that all of that be corrected for future inquires. Equifax has asked me to mail, fax and everything else to them my personal information and I have done that on several occasions with no change in my report file when it has been pulled. I am starting to believe that someone there has hijacked my credit because all I get when I asks for answer to what going on with my report is the run around each and every time. This has also been the case with XXXX. Every time I have tried to request a credit report I am told that I have already received my free report and on that note I ca n't have because I have never requested one until recently. I have submitted all my personal information to Annual Credit Report Request Service to see if l can get some help solving this matter that seem to be of no concern to these XXXX Credit Bureaus. I have enclosed per their Request by their Mail in form a copy of my Social Security Card, Pay Check Stub with mailing address and a copy of my current Alabama Driver License to prove my identity and that I am in fact XXXX XXXX XXXX
A credit card with Capital One appeared on my credit reports. I have repeatedly disputed the account because the account was created fraudulently. I have sent denial letters and verification letters to Capital One requesting information as it relates to the account. I have asked for copies of statements, copies of applications, and any every bit of supporting document available. Capital One does not send me the information. I have instead been sent several letters that simply say the account was charged off and sold.
I applied for a loan modification with Wells Fargo Mortgage. I provided ALL THE DOCUMENTS they requested, and while waiting on a decision, I was informed the the final list of documents I sent, was recieved too late. Please note, the documents were faxed approximately one week after they were requested. Some were requested before, but we went back and forth, getting clarification on the required documents. So now, THE BANK DOES HAVE ALL THE DOCUMENTS, BUT STILL TOLD ME I HAVE TO RE-APPLY, EVEN WITH ALL THE DOCUMENTS SITTING IN THEIR OFFICE!!
EOS CCA sent me a letter stating that I owe {$640.00} for a XXXX bill the first week of XXXX. On XX/XX/2018, EOS CCA received my letter asking them not to contact me again. The letter was sent USPS certified mail. They called me 17 times in 2 minutes on XX/XX/2018 times in 2 minutes on XX/XX/XXXX, and again 18 times within 2 minutes on XX/XX/XXXX. They have also tried to contact me with single phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
For the past several months Capital One has billed my account for a XXXX subscription that I did not open or authorize. Even though I have repeatedly called, nothing was done to stop the charges. Finally, in XX/XX/XXXX, a merchant block was put on my account and I was " guaranteed '' no more charges from XXXX would be allowed. Each month I've had to call and cancel my card, get a new card and activate a new account. Now in XX/XX/XXXX I see that on XX/XX/XXXX, another charge from XXXX was allowed on my account. A supervisor from Capital One, XXXX # XXXX, stated that Mastercard is pushing the charge thru my account even though there is a merchant block on it. I feel that Capital One should contact Mastercard on behalf of their customers and let them know not to push through a charge that has repeatedly been disputed. It is a hassle to sit on the phone for several minutes ; this particular call I am currently on is at 36 minutes and still going. At this point, we are currently on a call with XXXX on a very long hold for a supervisor because XXXX can not even find an account related to my credit card number or past numbers. While XXXX and I waited and waited on hold with XXXX for a supervisor, when the rep told us he would transfer us, he actually disconnected us instead. There should be better protection for credit card customers than to have this type of hassle. I am closing my account to ensure no further charges since we could not resolve this issue with XXXX. XXXX did say at my request that she would forward this issue to Mastercard in hopes that customers receive better customer service.
I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. 
I disputed this matter to this company onXX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX XXXX Amount : {$750.00} -- - opened :XX/XX/XXXX ;
I entered into installment agreement with Speedy Cash Loan last XX/XX/ 2018, and was paying. I tried to reach and called them many times in order to notify for wanting to re- adjust my payments after I paid {$1.00}, XXXX out of {$700.00} I loaned from them. After many attempts of calling Speedy Cash, I was instructed by their Agents, to call different and several telephone numbers. After all my attempts to communicate in assisting me restructure my installment loan were always in vain and were declined by all Speedy Cashs representatives. When I would called, no one wants to help me in re- structuring my loan. After Speedy Cash uncooperatively responding in solving my willingness to repay or re-structure my installment loan. Speedy Cash have shared my personal information to third parties name XXXX XXXX XXXX XXXX XXXX. The consequences of Speedy Cash acts were invasive for my privacy, as disclosing my personal informations, as well reporting to XXXX, XXXX and XXXX ; Credit Bureaus Agencies in which compromised my credit scores, without addressing my problems on restructuring in order to resolve these issues with me personally before sharing my informations, as consequences of Speedy Cashs false pretenses of the real story. After these incidents, Speedy Cash repeatedly calling at unreasonable hours, as violation of Fair debt Collection Act ( FDCPA ), as abusive  debt collection practices.
Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

XXXX said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY
Ive contacted the company multiple times regarding the validity of the debt and sent numerous letters with no response. In addition, thet are also reporting as open on my credit reports and as a collection agency they ca n't be reported as such. To conclude all XXXX credit bureaus are reporting some form of information incorrectly.
XX/XX/2017, I XXXX XXXX cashed a fraudulent check. I was laid off from my job, and needed to generate revenue to pay my bills. I answered an ad for a guy named XXXX the number he gave me was XXXX. We began to communicate via email. He would have done six postings a day or so that would advertise the same listing via XXXX. Eventually payday came, however, I was only guaranteed {$500.00} per week but the check was for {$1700.00}. So a naive sense of integrity kicked inside me and I sent him back {$1200.00}. Three days later the check bounced and my bank account was negative XXXX. At first bank of America was willing to clear my account however once they discovered that I sent XXXX, the Bank made it clear that they would not return the funds to me. However, I could not afford a lawyer because my only bank account was negative {$1800.00}. I filed a claim with my local police department and another claim with the FBI internet crimes division. I am writing this letter in hopes of a referral to federal insurance program and the ability to receive the money I had to work off back. I am also writing this letter in hopes that what happened to me will never happen to anyone else.
Wells Fargo Student Loan : I co-signed for my son 's student loan with Wells Fargo with an adjustable rate. We have been paying on time and even overpaying by a small amount. I wanted to consolidate the two loans to make it easier to pay, but they refused to consolidate even though I have a credit rating in the XXXX 's. I own my home and have over {$200000.00} in equity. They said in order to consolidate the two loans, it would be considered a new loan and my debt to income ratio was too high. I assured them I have an excellent repayment history and the only reason it was high is because of the loan I am currently paying to them. I told them if it had to be considered a new loan they could actually write the new loan check to themselves for the old two student loans to insure I was not going to spend it on anything else except the loan. They would not consolidate the loans. At this time I have repeatedly asked to see monthly statements with how much was paid, how much went to interest and what interest rate was currently being charged and to see a monthly balance. I was told they do n't do that. Are you kidding?!!! I have seen other people with this same problem and it does n't seem right.
Nation Star has, even though we have made arrangements to repay past due and current balance ; called us repeatedly ; even after multiple requests to stop.
I received a notice of collection from a company called PennCredit Corporation in which they are stating I have 30 days to pay {$240.00} for an electricity bill from XX/XX/17 in which I have no idea what it is. It lists an address that I have never lived at and I can prove this if needed. The company they are collecting for is by the name of XXXX XXXX, never heard of this place either but the company looks reputable. I looked up reviews on this collection agency and they are notorious for having a bad reputation and have tried to collect on many debts that are fraudulent. Please help me with this issue asap. There is one more thing and that it is not being reported on my credit report.
Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, Equifax, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XX/XX/XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XXXX. Please help me.
Navient has failed to withdraw money from my bank account even though all my loans are set up for auto payment. Two consecutive months I had issues with loan on XXXX XXXX I had to make a manual payment because out of the blue the account showed past due even though my due date is the XXXX of every month, for some reason since they could not explain why the payment was never applied to loan even though my other loans had been paid that month, as it turned I ended up paying double as it turn out the payment was in fact applied just took forever to be reflected this happened in the month of XXXX XXXX as well as XXXX. This month XXXX no Auto Payment was made even though it was set up to be, I called and spoke to a customer representative who told me that they have this problem and receive complaint calls every day about auto debit not working properly and yet they chose not to do anything, I wanted to speak to a manager to get the issue resolve and I was never able to. As a result of their negligence my account was past due ( 1 day ) and had to make the payment manually. This type of errors are stressful and can be potentially detrimental to my credit score. If I have Auto debit set up for every month why do I have to worry and double check every day that it is being done? why do I have to risk my account being past due when I 'm doing part and I 'm setting up my payments. I also have had issues with extra payments not being applied to the loans that I have specifically instructed to be applied to. Auto debit as well as extra payment are a big issue, issues that are damaging to my credit score as well as my personal finance. And the worst part of all of this is that there are no solutions offer and the mistakes keep happening month after month, not only is it stressful to repay for student loans but to that I also have to add the stress of checking my account every day to ensure Navient is doing their job.
They have been spoofing phone numbers for the longest time, calling at all hours. Since Friday, they have spoofed XXXX different numbers and called 17 times without being forthcoming about what they want. I want them to stop harassing me.