WillisBack/dataset-financial-user-claim huggingface dataset:
I never lived in XXXX XXXX or whatever the company name is. The collection company have no information of me aside my current mailing address, which I provided. 
They never verified the account is mine, nor have my Social security and the account is not mine. They said they need my info to file for the credit bureau but they can't verify it's mine or confirm it. Please tell them to remove it from my report and stop collecting money from me.
Approved for Chase XXXX Credit Card. At the time of application promotional materials said they gave a free night after every cardmember anniversary to any XXXX  property. Recently I recieved a letter form chase that effective XX/XX/XXXX that free night is limited to XXXX XXXX with point redemption values of <=40k. My card was opened in Late XX/XX/XXXX, which means that my anniversary will not be until late XX/XX/XXXX. that means that I will not qualify for an unrestricted free night, only for the 'limited free night '. This sudden change is unfair, and its rapid change makes their advertising deceptive.
There is a collection which is unknown to me and I do not owe any medical bills, again I have disputed with no validation or evidence was sent to me please help me
These DEBT COLLECTORS HAVE CALLED 6 TIMES SINCE YESTERDAY XXXX, THEY HAVE CALLED MY GRANDDAUGHTER, ME ONCE, MY SON ONCE, MY DAUGHTER IN LAW ONCE, AND ME TWO TIMES TODAY. This has got to stop. Now everybody thinks I gave them permission to contact them. I do not know who they are and what they want my attorney said not to talk to them. But I will contact them right away to get to the bottom of it all.
disputed several accounts in XXXX with Equifax and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX- Account # XXXX XXXX- Account # XXXX XXXX XXXX Bank- Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
I initiated a wire transfer to XXXX on XX/XX/2017 for XXXX Euros. The bank employee who filled out the form put down the wrong beneficiary for the funds but all the other information was correct ; account number, XXXX, etc. 

The funds never arrived and I called the bank repeatedly over the past 3 weeks. When the bank found out their mistake ( on XX/XX/XXXX ) they sent an amendment to the receiving bank. It never got there. 

I have now requested the funds be returned to me but have not gotten the funds back. 

I feel the bank has been completely irresponsible and possibly criminal in their inability to rectify their mistake. 

The wire confirmation is XXXX and the receiving bank is XXXX XXXX.
We bought a time share 11 years ago and paid it off about 2 years ago. In the first 3 years we had constant communication with them either by phone or mail. If we were late in a payment or a change in their bi laws they had no problem getting a hold of us. 
In the past 7 years we have not received any bills or notice of a debt owed. This past XXXX we received a collection letter stating we owed XXXX for maintenance fees. I immediately called spoke to someone on the phone and then sent a letter asking for proof. 
Two weeks letter I received a letter from a lawyer with not a breakdown but a letter that I had a timeshare and added almost 600.00 in legal fees. It even states in his letter that a new company had taken over and had failed to notify us and others of this debt. 
How can this be allowed to allow a debt to go so long without notifying us and then demand it to be paid in full, request proof and then add another XXXX in legal fees. 
We have worked so hard to improve our credit paying our bills on time and now this. I feel they do this on purpose so consumers like us who ca n't pay the total up front that can add fees to make more money. Please help us solve this
Collection agency ( XXXX XXXX XXXX ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of Blatt, Hasenmiller, leibsker & Moore LLC. They sent me a notice of motion I do not know if it is legit or fake.
On XXXX/XXXX/2015, I initiated a stop payment with J.P. Morgan Chase on my checking account for any transactions from XXXX Cash. On XXXX XXXX, 2015, XXXX Cash presented an ACH Debit Card transaction for {$180.00} which J.P. Morgan Chase Bank paid. I disputed this with J.P. Morgan Chase citing the stop payment I had initiated on XXXX/XXXX/2015. They investigated the matter and concluded that the transaction was appropriate and are now charging me for the {$180.00} that they paid when they should not have paid it.
I checked my credit report with Experian before going to buy a car. I thought it was only XXXX dollar to check with the understanding that annual credit reports are free. They charged me a recurring {$21.00} fee. When I called they would only refund XXXX month. The Experian website is highly misleading and gets people checking their credit to inadvertently sign up for recurring credit monitoring charges.
I am receiving a collection notice from XXXX for XXXX XXXX in the amount of {$30.00} for medication that was sent in the mail. As I have explained to XXXX since XXXX 2014, I have never been prescribed this medication, have never seen this doctor prescribing it, nor have I ever been diagnosed with this condition used for the medication. They continue to try and collect this debt from me, ruining my credit illegally. They have no documentation to show me regarding this matter.
I paid off a vehicle loan via ACH on XXXX XXXX, 2016. Funds were debited from my bank account on XXXX XXXX, 2016, Therefore, the lender had no right, title or interest in the vehicle from that date forward. It is now XXXX XXXX, 2016, and I still do n't have the title. There is no excuse for GM Financial to hold a title for so long after a payment is made, in today 's world, when payments are routinely processed overnight, especially in light of Check XXXX. A couple days, maybe, to be sure payment cleared, but three-four weeks is excessive.
On XX/XX/13, my account was closed due to fraudulent activity. I walked into my opening branch, dealt with the same banker who opened my account by name of XXXX, and closed out account. I signed papers and withdrew funds from the account being closed. After closing account, I had a balance of {$0.00} meaning I owed nothing. I just got my consumer report and it showing the status of unpaid. That is false and I have my receipt from XX/XX/13 that shows I owe nothing and account closed.
This debt, I believe goes back to XX/XX/XXXXor XXXX. The debt is a phone bill from XXXX XXXX. They lied, mislead, me on a promotion with regards to internet, which was just starting to really take off. I think it was 1 or 2 months bill plus ETF. The details are a little foggy, it was close to 20 years ago. I think the statue of limitations may have expired. XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXXand it 's public knowledge that they receive a lot of complaints about their misrepresentation of products.
I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from The Best Service Company. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted The Best Service Company multiple times, the last being on X/X/2017, for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from The Best Service Company.
THE DENTAL OFFICE SENT THE COLLECTION COMPANY MY MEDICAL ISTORY WHICH INCLUDED MY PAST AND CURRENT MEDICAL CONDITIONS AND MEDICATION I AM CURRENTLY TAKING. THIS IS A HIPPA LAW VIOLATION. I NEVER AUTHORIZED XXXX XXXX XXXX TO RELEASE MY PERSONAL AND PRIVATE MEDICAL INFORAMTION.
I contacted my local office asking for a print out of the payments that I have made. The officer I could hear printed it and said it would be mailed within a few minutes he called back and gave me a XXXX number to call. When I called that number the person I talked to threatened me that I would never get that information and gave an amount that I owed him that he could not explain how he said I owed. Threatened me that he had my drivers license number and read it off to me. Told me good luck he would see me in court and hung the phone up. This happened on the afternoon of XX/XX/2018. I still do not have a resolution.
I paid an extra mortgage payment towards the next month in addition to the current month so I would always be one month paid in advance. Every year when a escrow adjustment is made to my mortgage payment that extra payment disappears and I am sent bills for the current month. I specifically called wells fargo bank and told them I did not want to put the payment towards the principal but to the future months payment. They put the payment against the principle so I am NOT paid a month in advance after all. Then to make matters worse I get XXXX stratements per month confusing me even more. They take advantage of XXXX and hope they can not keep up with the billing and duplicate billing.statements
I am submitting a letter I prepared for my XXXX counsel plan, but then professionally put to letterhead by them and forwarded in my behalf ... ... ..It is presented as I fully expressed to the lawyers ..They sent an initial letter XX/XX/XXXX ; and then after no response, the same letter subsequently was resent by Certiied mail on XX/XX/2016. Both attempts have resulted in no responses or acknowledgement. 
The address for American Express Company, New York, was given to me by a representative of my Delta American Express Credit Card company when I originally sought information on how to register my complaint of its unfair consumer presentation and dellivery. Hopefully, an outreach effort by your organization will assist me in receiving what is fair and due me by virture of good and honest business ethics.
I was a CITI BANK customer several years ago. I have closed my checking, saving and debit accts. Recently, I have been receiving notices that these accts are below minimum balance I had set for them. I have complained several times but I still get theses e-mail notifications several times a week. I maintain my mortgage with Citi, but they say they have NO control over them. I have complained to Citi Bank it self and they say they ca n't locate thr origin of these messages. 

Besides being a pest I am worried that at some point they will try to get maintenance charges for theses accounts.
XXXX transferred my foreclosure account to BSI and XXXX are reporting on my credit reports. BSI is reporting the BK chXXXX as a foreclosure. They refuse to make corrections. The Bk is 4 years old.
XXXX XXXX XXXX, XXXX, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX. 
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also. 
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more. 
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on XXXX XXXX XXXX, XXXX but maybe on Wells Fargo. 
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XX/XX/XXXX. These loans were through my local bank and then Wells Fargo bought the bank and took it over on theXX/XX/XXXX. I had moved my accounts from Wells Fargo before this date. 
When I spoke with XXXX at my states office over banking regulations, She said that they have had Wells Fargo do this in another county in our state.
I filed for bankruptcy in 2016. The lawyers office notified all my creditors and the bank. My bank at the time was Bank of America. The bank allowed XXXX to retrieve the funds from my account during the bankruptcy and left my account in a negative state. The lawyer 's office faxed the bank over documents to show that nothing is to be paid until we go to bankruptcy court. The bank still allowed the transaction to go through and now I 'm left with a balance of over {$900.00} and a mark on my credit report.
I checked my credit report with XXXX based on information received from XXXX card. It showed that I had a delinquent account with XXXX XXXX in collection by an agency called AMSHERCOLLECTIONSERVICES # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX in amount of {$2000.00}, placed in collection XX/XX/XXXX. 
I disputed with XXXX that I do not have XXXX XXXX, have never received a bill from the collection agency. XXXX responded that investigation was complete and I owe the amount. File number with XXXX is XXXX ; date reported in XX/XX/XXXX. 

I had XXXX XXXX for about 3 months about 10 to 12 years ago, and account terminated because of reception problems, with XXXX balance due. 
I do not have bills or receipts because I have no business with XXXX XXXX nor Amsher Collection Services. 
I have not received a bill from XXXX XXXX since and never a letter or call from above collection agency.
On XXXX XXXX, 2015 I rented a car XXXX. I discovered a flat tire within in an hour of picking up the car. Despite numerous attempts, XXXX did not provide any assistance. I could not use the car. 

I reported the incident to Chase that same evening and requested that no payments to XXXX be authorized from my account. Despite my request, charges were posted on my account. 

I submitted a formal dispute to Chase on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was terminated since XXXX did not respond to Chase 's attempts to " investigate '' it. 

I contacted the manager XXXX directly and she refused to remove the charges. 

On XXXX XXXX, 2015 I closed my account and resubmitted a formal dispute to Chase. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was denied. 

Chase continues to attempt to collect {$1200.00} ( an estimated according to the last bill I received ).
I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, Experian says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.
Was charged XXXX, XXXX USD overdraft fees from Bank of America on a checking account. The accounts were properly funded with a transfer from another linked checking account but Bank of America staggered the posting of the transaction so that the XXXX debits that caused an overdraft posted after the transfer in order to incur a fee. This was verified by a customer service agent over the phone who attempted to waive the fee but could not because 'reordering transactions is bank policy, not bank error '. I have argued about overdraft fees in the past with Bank of America as I feel they use algorithmic systems to reorder transaction to incur the maximum number of overdraft fees. I had a similar set of instances like this occur in late 2015.
I am writing to dispute the following information in my file. I recently received a copy of my XXXX, Experian & XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
XX/XX/XXXX I was notified by the XXXX XXXX XXXX  courts and Guglielmo & Associates that my wages are going to be garnished through my employer. On XX/XX/XXXX Guglielmo & Associates and XXXX XXXX XXXX Courts sent a letter of garnishment starting XX/XX/XXXX. Garnishments were taking out of my pay from my employer of {$510.00} totaling {$1200.00}. all payments were made.

Guglielmo & Associates and XXXX XXXXt XXXX  Courts sent another notification of yet more garnishment of {$240.00} and again on XX/XX/XXXXfor {$240.00}.

I contacted Guglielmo & Associates and the stated that they never received the money from my garnishment.

When looking into my credit report the debt is still listing on my record as unpaid resulting in a low credit score and causing any loan at a higher rate due to this old debt.

My employer contacted XXXX  who handles our payroll and they have copies of the cashed checks proof that Guglielmo & Associates cared the check and never informed XXXX XXXX and creditor, credit one that the payment was made. Im still receiving the upsetting legal notices from Guglielmo & Associates and XXXX XXXX XXXX and my credit score is still being affected.
XXXX has the worst customer service and would not help me resolve my issues with them. 

They are currently asking me to pay $ XXXXmonth towards my student loans which I can not afford. I tried speaking with them about other options in XXXX XXXX. They suggested the income-base program and also mentioned the public service loan forgiveness program as well to drop down the interest and make 120 monthly payment and the rest it would be forgiven. 

I faxed in the necessary paperwork to them to apply for the programs. A month later ( XXXXXXXX XXXX ) the update was that I can pay a certain amount first to get caught up to not be past due and then start the programs they had to offer. I told them I could n't afford to pay the amount they were asking for because of the situation I was in. They told me that they could n't help me with lowering that payment. 

Months past and still no update if they could work with me. Then finally Hurricane Harvey hits my home and I lost everything. I called them to see if they could do anything and the only thing they could do was not charge a monthly payment on my account. I asked them did they have a solution about lowering the monthly payments and the rep said that they would call me and let me know what the supervisor can do. 

I have yet heard from the XXXX and they are destroying my credit. I am trying to get back on my feet due to Hurricane Harvey destroying my home and personal belongings.

The Hurricane took away my belongings and home and XXXX is hurting my credit to get approved on replacing damaged clothes, house, furniture, so now Im stuck and do n't know what to do.
The company attempted to make an unauthorized withdrawal of {$1000.00} from my bank account. I did not initiate/request/authorize this in any way, and once I found out about it, I had to hurriedly contact my bank to execute a Stop-Payment on this transaction attempt, which involved a {$20.00} fee. At the very least, this company should reimburse me for that fee. And I want this incident to go " on record '' so that if there becomes a pattern of them doing this to people, they can be penalized accordingly.
I currently received a wage garnishment that I was n't served any paperwork for. After contacting the company, I was told by an employee that the paperwork was served to an address in  XXXX  even though they had my current address in   XXXX   on file. I have not received any written communication from the company to dispute the debt and they served me in a state that is over  XXXX  miles away therefore I am unable to file a wage exemption. I requested documentation of the debt and proof of any communication to my current address and was told they do n't have to give me anything.
I had filed a complaint with the CFPB towards PayPal regarding a charge back which took place to my account in the amount of {$17000.00} on XX/XX/2018. The response from XXXX XXXX of PayPal is attached. Part of the letter reads, " On XX/XX/2018, PayPal received notification that the buyers credit card company was continuing their chargeback for {$17000.00} as their card member provided documentation indicating that you promised a full credit for malfunctioning computers and wrong power supply / plugs received. '' That is 100 % false. I 100 % without question did not permit/allow any debit to take place from my account. PayPal did not at all act in good faith because they never questioned me about that. Instead, they simply believed what XXXX had told them and allowed XXXX to pull all of the funds from my account.