WillisBack/dataset-financial-user-claim huggingface dataset:
After having a substantial relationship with  TD Bank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refuse d and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
My home was foreclosed XXXX by Wells Fargo and I was not informed of the process. During my separation of nearly 10 years XXXX XXXX XXXX ),  My ex wife and kids resided in the home while I served abroad on XXXX XXXX. When I found out that my home was being foreclosed thru email, it was too late. No one at Wells Fargo would work with me without my ex wife 's signature. She was adamant about proceeding with the foreclosure and refused to answer calls or correspondence from the bank. I contacted wells fargo immediately in an attempt to extend my time and save my property ( due to short notice ) but it was already too late. I 'm not sure when my ex wife received the initial notification that the home was in the foreclosure process, but when I found out there was not enough time to do a short sale or modification. To this day, I do n't have any information on when it began, when the home was officially foreclosed and how this happened so quickly. Wells Fargo conducted their own investigation but I do n't trust them. The gentleman that I spoke with in Loss Mitigation took quite a few months to complete his internal investigation that resulted in no fault by the bank. I now have a foreclosure on my credit report due to this process and not able to purchase a new home with my VA XXXX.
On XX/XX/XXXX I sent the notice below to XXXX : I have received a notification from the credit reporting agencies of a collection account related to fees associated with the apartment inspection I rented between XX/XX/XXXX and XX/XX/XXXX. The letter you sent related to the inspection stated that we had 30 days to respond your request ; we reached out to you via phone several times and were told that somebody from your office would contact us to go over items we were disputing. We never received a call from your office, even after follow up calls. 

I would like to get this matter settle and the collection item remove from the reporting agencies while avoiding legal procedures. If I do n't hear your office within 30 days from XX/XX/XXXX, I will file the necessary court documents to dispute the charges and have my credit report clean. You ( XXXX ) will be responsible for any legal fees including, but not limited to court filing documents and attorney expenses should I hire one to represent me. 

I can be reached at XXXX with any questions you may have. 

Thank you. 


XXXX Further, I contacted the XXXX XXXX hired by XXXX : Hunter Warfield, Inc.-XXXX, XXXX, FL XXXX - Sent them a letter on XX/XX/XXXX requesting validation and to dispute the debt and they have not contacted me as of XX/XX/XXXX.
Dear XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item " MERCHANTS ACCEPTANCE CORP '' ( XXXX XXXX dispute ) is inaccurate because the contract became void. The Presidential package that was purchased from the company was never fully delivered, they delivered the vacuum but not the rest of the purchased items. It has been over 3 months since the purchase, I have tried contacting the company to return the vacuum that they delivered because I never received everything that was supposed to come with it, I was met with no response. I tried canceling it with MERCHANTS ACCEPTANCE CORP but they will not stop charging payments, now they are reporting missed payments because of this issue. I am requesting that the item be removed to correct the information. I can provide phone records showing me reaching out to the company as well as me trying to cancel payments. I have filed with the XXXX and my credit card company for disputing the charges. I have also contacted my attorney to make sure that what I was doing was correct. He had advised me that by law the contract becomes void if they ca n't provide the product. The company listed above will not return my phone calls after leaving multiple messages in regards to this product. 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
This is a follow up complaibt. If ypu log me out again you eill have to deal with ic3.gov I just spent XXXX 20 minutes typing it. Short version Bank of the West 2nd company XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX in all XXXX branches XXXX XXXX and XXXX. XXXX XXXX at XXXX or email XXXX all the texts emails I have. This is all connected per your inadequate response for more info it 's all XXXX connected. The loan to loan to company to bank to XXXX XXXX XXXX XXXX XXXX to my account rllihitimizing my XXXX XXXX loan do your homework or i will report you to FIX you have all the names previous complai t number XXXX now its for Bank of the West and XXXX XXXX XXXX XXXX and Florida law enforcement and XXXX and XXXX XXXX people trust accounts that were used to burry off of stolen money. If my loan is no good per XXXX XXXX XXXX then all of those bodies will have to be exumed
I have a modified home loan with Wells Fargo and have a lot of equity in my home. I tried to refinance and use the equity to include about XXXX in other debt thus reducing my payments and interest but W F said no without even considering my case. I went to XXXX XXXX XXXX XXXX who holds some of the XXXX and they said sure they could refinance all of it but after seeing my income they said no. I am the sole income due to my wife 's chronic health issues and we have never been late or missed a payment in 12 years. I built the house myself to save money, but the bank would rather see me lose the home than give me any break on interest since they own most of the different loans I hold and they are raking in the easy money from my hard work.
I have never been contacted by CMRE Financial Services. I pulled my credit report and learned that I had a few medical collection accounts that I was unaware of. I contacted CRME, requested an itemization of the bills included, and paid all of the accounts at one time on XX/XX/18. 

1. I was told I would receive a written confirmation from CMRE that the account was Paid in Full and that the accounts would be updated with the three ( 3 ) Credit Bureaus.

2. To date, I have not received anything in writing. and the Credit Bureaus have not been notified.

CMRE should be legally obligated to update the Credit Bureaus with the PAID IN FULL information, just like they do with DEROGATORY information! They should be required to provide a statement that states they " will update the Credit Bureaus with the Paid in Full status '' - As it is, there is no obligation on their part ... it's just an " if they choose to ''. 

I will not count on CMRE reporting this information, I will take my paid receipt and send it directly to the Credit Bureaus myself. CMRE is not a reputable company.
XXXX XXXX company called me around three months ago that I rented a car from them and accident it and give them back I did not rent car from them they have my name address and last XXXX digits of my social when I deny to pay them money they said your wife toke car from us my wife do not drive she do not have driving license they called me many times and forced me to pay them money which I do not owe then the jnr adjustment co called me many times and forced and harassing me to pay them money they also send me a later then I make a police report for identity theft in police report also indicated that they did not find any proof that I rent a car from XXXX
after several conversations and their inability to assist me get back on track, they continue to call about credit card debt owed ; calling on sundays and holidays, multiple times per day ; after I have asked them not to call since I can not pay and they can not help. they have violated the FDCPA and I have filed complaints with CFPB and FTC
Hi XXXX, XXXX XXXX billed my insurance three times for the same services. My insurance provided them with the payment for the services that were rendered but they are still trying to collect the an amount from me that my insurance has confirmed is not due to them. Both my insurance company and myself have explained this to both the service provider, XXXX XXXX, and their credit collections agency, XXXX XXXX XXXX, in early XXXX. However, I still continue to get harassing phone calls from their collection agency. If it helps to rectify the issue the original XXXX XXXX XXXX XXXX claim numbers are Claim # XXXX, Claim # XXXX, Claim # XXXX. If you call XXXX of Tennessee with those claim numbers, they should be able to assist you with any information you may need. 

Thank you, XXXX XXXX Mobile : XXXX
Post bankruptcy, People Commerce XXXX XXXX PA is showing I have a {$2300.00} balance with the credit bureau XXXX. My bankruptcy went thru XX/XX/2017, my account with People Commerce was closed XX/XX/2017. With XXXX they are reporting a XXXX balance.
I have recieved multiple calls from ARA Incorporated out of Illinois. They call from XXXX. She reads off my entire social security number then tells me I owe XXXX or Household {$2700.00} from an account that was opened in XXXX and I stopped paying in XXXX. I told her it is not on my credit report and I do not owe that money. She said they have mailed me letters 3 times but I never received them. I asked to to read me my address but she would not and I did not give it to her. Then she asks for my email but I did not give it to her. She then said I owe the debt and since it is passed the Time Barred that she will take me to court and get a judgement on my credit. I do not owe this debt. And if I did from so long ago my ex wife filed bankruptcy Chapter XXXX in XXXX to start fresh. They even told me that under FTC laws they bought the debt legally and can call me anytime to try to collect.
A fraud account was paid off that went into collections. The creditor is XXXX XXXX XXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.
HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP
On XX/XX/XXXX I sent Portfolio Recovery Associates ( PRA ) a request for validation letter, pursuant to Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with corresponding state laws. The request for validation response must be competent evidence bearing my signature showing that I have, ( or ever had ) some contractual obligation to pay them. In response, I received a letter that account number XXXX XXXX XXXX XXXX was verified, as it was sold to PRA and that I owe {$2200.00}. 
On XX/XX/XXXX, I sent a second letter further requesting valid documentation, as they failed to provide a copy of viable evidence and per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill does not constitute verification. In response to this, PRA stated they have answered to my dispute and not further replies will be forthcoming. I continually receive phone calls from numerous phone numbers connected to XXXX at all hours of the day. I have been turned down for credit and request for a home equity loan as a result of disparaging reporting from XXXX. I have suffered financial harm from their derogatory tactics. 
I dispute the validity of the purported debt I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection activities and provide the verification of the purported debt.
On XXXX/XXXX/XXXX I received a collection notice that I owed {$210.00} to a dentist. On XXXX/XXXX/XXXX I called the dentist 's office and inquired about this, they know nothing about this collection company and they said my account is paid in full.
Wonder if cooling and winter can still collect on debts from XXXX debts that they not own or got to legally go back court for each debt judgement because the judge did not sign there company that judgement or debt or that they have rights to collect and if do collect unfairly should consumer be refunded to. Amount of payments as restitution
Equifax credit reporting agency is providing incorrect information on my credit report pertaining to the State of Alabama XXXX payments, that has been going on since XXXX. The information is not correct due to the fact that I have been XXXX since XXXX of XXXX and my child had been receiving payments from the Social Security Department since XXXX of XXXX. I feel that this is an unfair practice of the credit reporting agency and the information has caused great damage to my credit rating giving me the outlook of a XXXX father. This information is currently being displayed on my credit report and I am asking that it cease from further reporting ASAP. Thank You.
On XXXX/XXXX/2016 I purchased XXXX XXXX XXXX at the XXXX store through their upgrade program. Evidently at that time I also applied for a Citizens One personal loan for the cost of the Iphones and the XXXX XXXX policy. The personal loan application was not disclosed to me and I did not receive any documents or disclosures about the loan. On Sunday XXXX I received two emails from Citizens One that I was approved for two personal loans which completely surprised me. On Monday morning XXXX I called Citizens One and spoke to XXXX. She confirmed that I applied for two loans and was approved. She state that two credit checks were processed against my credit and that I authorized the application. I told her that I knew nothing about the application and requested she send me all my loan documents, disclosures and loan application clearly showing the terms and conditions of these loans. She told me this could not be done as they are a paperless company and that I would have to go online, set up an account and pull my documents which I have no idea how to do this. I asked to speak to a manager and she abruptly responded that a manager was not available. I requested that a manager call me as soon as one was available. I am still waiting for that phone call. All borrowers should have the right to understand loans issued by any banking institution. All disclosure documents including the application should be readily available to be sent to borrowers.
transunion will not investigate my unauthorized inquiries on my credit report. They stated that inquiries can not and will not be investigated according to FCRA any mistake on your report consumer has the right to correct mistake.
My Paypal  Credit Account minimum payment due is {$38.00} per month, I paid more than my minimum of {$87.00}. Because I received my monthly income benefits on the XXXX Wednesday of each month fell on XX/XX/18. My paypal credit account bill did not get paid until XX/XX/18 instead of the due date of XX/XX/18. Paypal Credit   charge took {$27.00} from my {$87.00} for a one day late fee. This company does not allow the consumer any grace period of 1-5 days before charging any late fees. The company is profiting from collecting late fees from the consumer who has only paid their monthly payment a day late. I think this is a practice of merchant/creditor collecting on the consumers debt obligation to only keep them in debt but profiting more money from the consumer for the debt that is owed.
I have written several certified letters to XXXX AND PORTFOLIO RECOVERY asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of {$2100.00}. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX AND OR PORTFOLIO RECOVERY. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement is not sufficient validation of evidence.
Portfolio Recovery Associates, amount of {$920.00}. I have disputed this item several times and Portfolio Recovery Associates has not responded. Portfolio Recovery Associates has reported this information to my credit reports as this information does not belong to me.
I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to the credit reporting agency to dispute the following account: XX/XX/XXXX or XX/XX/XXXX. This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.
My wife and I do not have ANY accounts with Fifth Third Bank. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously, they have not done this since we still get calls. Every time we get a call from them it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Fifth Third Bank and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Fifth Thirds continued harassment activities. Tonight, I spoke with someone who assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Fifth Third. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.
XX/XX/XXXX I was contacted by a Macy 's representative who asked me about my credit card charges as he thought there may be fraud. I confirmed that these charges in fact were not mine. He told me he would close out the account and send me a new card then have the charges investigated. He said I would not be liable for those charges. About a week later I received a new Macy 's card with a statement that had all the fraudulent charges on it. I then called Macy 's and asked why they transferred all the fraud charges to a my new card. Their answer this is how they do it until the investigation is over and I am still not obligated to pay for the charges. I 'm still a little confused but ok at this point. Of course I did n't pay that bill so then I begin to get calls from Macy 's telling me about my large balance and that it is over due! I then call Macy 's and ask why they are calling me to pay. Also when I do call I wait on the phone for at least an hour while they look into matters. They again tell me it will take 90 days and this is what has to happen and they will stop the calls. They did not stop as I got several more calls and also more bills with interest and late fees! This is very upsetting as I pay all my bills on time and never carry a balance. So now it is 3 months later I have been dealing with this and they have reported me to the credit bureaus as being late/not paying my bill. Thus ruining my excellent credit! This is absolutely absurd because why should I be penalized for something I did n't do. They know it is fraud and they say I do n't have to pay the bill but they report me! What is that? Macy 's has greatly upset me and consumed my life the last 3 months because I have had to call them over and over again with no positive outcome. {$1500.00} was charged on my Macy 's credit card through Macy's.com and sent to a PO box which I know and Macy 's knows is fraud, but they still have to investigate. They can investigate all they want but leave me out of it as I have nothing to do with that. I 've done all I can do and I 'm not sure what else I can do before taking legal actions. Macy 's has really handled and is still handling my situation very poorly. I want them to clear up my credit and put everything back to the way it was before this mess began. I do n't know if that is even possible once you are reported to the credit bureaus to get it wiped off? So they may have ruined my credit which I will then take legal action for sure. When will this investigation be done and why add interest and late fees. That about sums up my fiasco with Macy 's.
IN REGARDS TO EXPERIAN XXXX. XXXX  XXXX XXXX TEXAS XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO RECTIFTY THIS PROBLEM OF BEING A VICTIM OF IDENTITY THEFT AND FORGERY AND FRAUD BEING COMMITTED IN MY NAME. IM TRULY UPSET BY THESE ACTIONS OF EXPERIAN AND HOW THEY HAVE NOT DONE A PROPER INVESTIGATON ON MY PERSONAL INFORMATION AND REOMOVING THIS FRAUDULENT INFORMATION THATS REPORTING ON MY CREDIT REPORT.
Viking Billing Services is attempting to collect a debt for XXXX car rental. I do not owe XXXX car rental and did not rent a car from XXXX.
I called this Loan to Learn this morning to inquire about a forebearance and yo discuss past due amount. They transferred me to their loan servicing department at XXXX. The rep there was able to tell me how much was past due and how long, etc. However, she did not provide a lot of information about how we could work together. I asked about a payment plan and if they could work with me, the rep kept asking me how much I could pay. I told her the issues I was having and I would n't really know until XXXX. No payment plan was offered, the rep said it was ultimately up to me how much I wanted to pay and that I would still be reported to the credit bureau for delinquency. I am not sure how to get them to work with me, other then have them send me forebearance paperwork.
I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment on XX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system  and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.