WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.
I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I ha2d insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to XXXX XXXX, so why are they both contacting me. And AMCOL SYSTEMS INC is continuing to attempt collections on dates of service that matches PROFESSIONAL XXXX along with identical monetary claims. I 've been told by AMCOL SYSTEMS INC If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an XXXX visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.
Since XXXX of XXXX, a mark on my credit report was reported to the Bureaus by XXXX XXXX that I was 30 days late on payment in XX/XX/XXXX ( this did not appear until the above date ... prior to XX/XX/XXXX it was reported as paid on time ). This is inaccurate. First of all, my payments are set on auto withdrawal. Next, every single customer service representative at XXXX XXXX that has looked at my account ( which is several times ) has acknowledged that I have never been late ( this includes several notes from their credit dept promising to fix the issue according to the customer service representatives that I have spoken to several times. ) Finally, I have documentation from my bank showing the withdrawal of funds as well as the payment history from XXXX XXXX from their website indicating my payment was received on time.
IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO TRANS UNION CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.
I got my annual credit report from Equifax. There were 3 accounts with 30 day late notices. I tried to dispute these as I have never been late on my accounts. The online dispute link does not work. I was able to call and get the dispute filed.
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. 

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 
As previously pointed out to you, XXXX XXXX XXXX, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. 

A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX Unverified account
On XXXX XXXX, 2017, I deposited a bank issued check for {$13000.00} to my Chase account. The check was for the proceeds from a home equity refinancing. The teller told me the check would be available in 24 hours. Therefore, I set up electronic payments to pay off credit cards and medical debt on XX/XX/XXXX, 48 hours afterwards to ensure that the money had cleared. On XX/XX/XXXX, I received two messages from Chase that they could not fund my payment to two of the credit cards due to insufficient funds. I then sent an inquiry since according to my balance I had more than {$14000.00} available. I was informed the check had been put on hold because they had to make sure it was legitimate. In the meantime, my husband wrote me a check in the amount I had written him to cover his cards, and that bounced. He has now accrued overdraft fees and I will be too. So now, this opportunity to provide some relief from credit card and medical debt has now turned into added stress and is costing us money. I find this absolutely unacceptable, especially since the Chade representative informed me that the funds would be available the next day. Furthermore, there is absolutely no reason to hold the check for 10 days ad the bank is suggesting. A quick look into my savings account will show you that every year we make a deposit at about this size. Regardless, the check is from another bank, not a personal check. Finally, this is not their practice for customers who make this size deposit on a more regular basis. This is bad customer service at the least, and possibly discriminatory. It is not ok to hold our own money hostage from us, and charge us for overdrafts when it was Chase that said the funds would be available within 24 hours. I believe this is middle-class discrimination.
My wife and I purchased a 2006 Jeep Grand Cherokee XXXX in XXXX, TN.We financed it thru Capital One Auto Finance, whom I am sure you are aware has had many issues with it 's customers.Well, I did n't just have an issue, I 've had too many issues to list here but let me just say that they have affected my life in a way that is hard to comprehend ... I purchased the vehicle for {$33000.00} with no negative equity from my trade in, because I also signed over a second trade ( JEEP GRAND CHEROKEE ), that was also PAID FOR.The original contract had 16 % Interest with a duration of 66 months @ {$920.00} monthly.That comes to a total of $ XXXX.I have every Statement, Notice and letter that was ever sent to me and I WILL MAKE IT AVAILABLE TO YOU UPON REQUEST.Capital One confirmed and I have all my receipts for 57 payments of {$920.00} which is a total of $ XXXX.Now they have marked my credit as CHARGED OFF and show NO PAYMENTS ON THE ACCOUNT AT ALL.They also have the Balance owed at $ XXXX.This caused my credit to fall over 200 points, making it Impossible to buy a car to go to work, or help my Son get a car.I have had it with this Company and only want to go to work and be a productive citizen.I have been getting all news feeds from the CFB since the day that you opened your doors, and I have confidence that the CFB can mediate this situation and make Capital One realize that they can not take advantage of people in this way anymore.Thank you Very, Very Much XXXX
X/XX/17 .  I went to   XXXX   XXXX   XXXX   and they pulled my credit for a payday loan. I got a alert from credit reporting agency that they informed me i had a inquiry on my credit report. Then  two  weeks lat er  X/XX/17  I went b ack to the branch and rewrite my contract and i got another alert stating that   XXXX   XXXX   XXXX   did another credit inquiry. I do n't like this idea at all .It affecte d my credit score. I was n' t informed that they would do this to my credit. I did n't see any signs in the building stating they pull credit. I called the home office in TN and they could n't answer my question. They took my name and said they will have someone to call me. I 'm thinking as a PAYDAY LOAN why would they pull my credit if they ask you for a blank check, pay stubs, bank statements, proof of address, social security card and Driver license. I do n't like how they do business here. Please help me get this resolve. Thank You In advance
I received a credit card statement from Kohl 's with XXXX transactions charged to the account totaling XXXX which I did not recognize. I called Kohl 's and it was discovered that these were fraudulent charges. I asked Kohl 's to remove the charges and close the account. I also followed up with a letter. To date, I have not received a response from Kohl 's and when i called again was told the matter was still being investigated.
We continue to receive collection calls for a XXXX XXXX XXXX at our telephone number. We have had this phone number for 4.5 years. We have informed Sunrise Credit Services XXXX NY that this is not XXXX XXXX 's number. Each representative assures us that we will non longer receive phone calls and that our telephone number will be removed from XXXX XXXX XXXX 's files.
I was told repeatly that there was not any origination or up front fees with this loan when I spoke numerous times with account representative on the phone. 

When loan dispersed I was charged a origination fee of {$480.00} on the {$8000.00} loan. 

I called numerous times to Lending Club XXXX only to be put on hold and then hung up on, told they would look into it and get back to me, and refused to let me speak with a supervisor. 

I then sent them a letter and email regarding my issues they then debited my checking account 4 days early for the monthly payment which caused issues with my checking account overdraft. 

I called again about both of these issues and was again told someone would address my problems but they never called or emailed me. 

I proceeded to close my checking account so they could no longer debit it. 

They violated the terms of our agreement/contract on origination fee and early debiting my checking prior to the agreed due date of a payment. 

Lending Club never addressed my issues and sent the account to a collection agency. I have been receiving harrasing phone calls from 4 different agencies/legal that claim to have the account, and my credit reports shows chargoff and collections.
i had a very bad experience with Money Gram co. 
three days ago i send money from USA to XXXX they ask me for first and last name as required i did provide all the information same as my receiver ID the min i finished they took the money from my account. i checked their web site they said money is ready for pick up my receiver went to their location the next day they told her money is not ready for pick up yet!!!! after three days when she went back they told her we cant give you the money because there is no middle name in her order ( which is OPTIONAL!!!! in their web site you can check it ) AND SENT HER BACK so i, however she has their confirmation e-mail ID matches the first and last name i sent her my confirmation e-mail too.!!!!!!!! so instead of send her back they should notify me when i set up the transaction because the information they requested matches the receiver ID and confirmation ID. 
when i called the customer service here they told we cant do anything for you go online CANCEL YOUR ORDER WAIT UP TO 10 DAYS FOR REFUND AND U CAN SEND BACK THE MONEY WILL BE READY FOR PICK UP IN 3 DAYS. 16 TO SEND MONEY WHICH DECADE IS THIS ITS 2016!!!!!!!!!!!!!!!!!!! 
so either they do n't have the money available at that time or they want to keep it longer. i cant see another reason because i dealt with different co. and this is never happen to me before. 
hopefully you can help me now my money stuck with them i cant get it back before 10 days so i can send it again.
Back in XXXX XXXX I paid off my truck lean early with Santander. They released the lean and send me my original title to my truck. 6-8 months later I received a letter telling me that I owed them over $ XXXX+. I sent all my documentation of payments, account balance showing {$00.00} balance. I certified this to Santander & to the president of the company. I never heard back from them. Last year somewhere around XXXX XXXX I received another letter from Santander stating I owe them $ XXXX+. I called them and again explained that the lean had been paid off, that I sent certified letters with all documentation to Santander and a copy to the president of Santander. The gentlemen told me I needed to send them over {$2100.00}. I then told the gentlemen that the title was released to me, along with notarized letter saying my debt had been paid. I never heard from them again. Now on the XXXX XXXX XXXX I received another letter from Santander that I need to pay them {$2200.00} by XXXX XXXX XXXX or they will repo my truck. 
My husband is in the XXXX and we went to XXXX, the civilian attorney called Santander. She told them that the lean was released paid in full along with the title and sent to me. My attorney was told that she would have to talk to the legal department because they could not locate my account with Santander. The person for Santander came back on the line and told my attorney that the legal department was not answering the phone and that the legal department would call my attorney back within 24 hours. She asked for the repo to be pushed off until this matter is resolved. The representative told the attorney they will not push off because I am supposedly something like 1,825 day past due on my payment. They changed their story to the attorney a few times. They told my attorney that they could not find me. This is false because not only did they send my lean release and title to my address in XXXX XXXX, Texas, they even sent the letter last year and now this letter to my current address here in XXXX, Texas. She also asked for a phone number for the legal department so she could call the Santander legal department directly and was told that there is not a number to call and again the Santander legal department will be returning the phone call within a 24 hour time frame. 
Santander legal failed to return the call to my attorney within the 24 hour time frame. My attorney has drafter and is sending out a letter of dispute to Santander. 
My attorney completed some research on Santander and found that this is something that has been happening to several people. She found y'all are having a suit against Santander and forwarded this to me and hopes that I XXXX have enough against Santander XXXX become part of the case. 

Hope ya have a wonderful day ;
I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXXand XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX.  But XXXX refuse to take actions to correct this issue.
Credit Karma has XXXX open accounts for XXXX.They have both been discharged in a bankruptcy therefore they are closed.I tried 3 times to get them to fix this they have not.
I have told them repeatedly that I am not allowed personal calls at work and they keep calling. I am going to lose my job if they do n't stop.
I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to Santander Consumer, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from Santander until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between Santander and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the Santander call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to Santander on the XXXX XXXX while Gap Insurance sent the check on the XXXX. Santander failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one Santander rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling Santander several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because Santander in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.
On XXXX XXXX, I started a mortgage application with Quicken Loans and was connected to mortgage banker, XXXX XXXX XXXX NMLS : XXXX ). The process started as typical, with me providing all of the personal and financial information required. 

Because of a short sale in my credit history, XXXX requested that I contact XXXX XXXX to provide evidence that the account had closed in XXXX, as I had stated. On XXXX XXXX, I attached a closing document to an email as proof, along with the text " XXXX, let me know if this works. '' After not receiving any response to my message, I contacted XXXX and was told that she " thought I was joking. '' Which is why she had n't responded to me. I was very puzzled by this response and requested that she submit the application with the new documentation. 

On XXXX XXXX, I reached out to find out the status of the application and XXXX responded " Still waiting for a response. '' On XXXX XXXX, I again reached out for a status update and received another text response " I am looking into things right now! '' It is now XXXX XXXX and I have not received any response to my application or any understanding of what could be causing a delay.
I opened a checking account with BOA under an promotion for a {$300.00} credit with a new checking account and qualifying direct deposits in 90 days of opening. I was very careful to fulfill ALL terms of the promotion, but the {$300.00} was not credited to my account. 

Over a period of 3 months, I made numerous attempts in writing and by phone with customer service representatives, but simply got the runaround. I received no response or return communication despite escalation attempts.
I filed a bankruptcy in XXXX XXXX and it was Discharged in XXXX XXXX. Items are only supposed to remain on credit from 7 years after date of last payment, which is has been. This account should have fallen off of my credit report after XXXX XXXX, but it is still reporting on XXXX. Also, Seterus sent an update to my credit file in XXXX XXXX, which is against bankruptcy laws because they are further damaging my credit after my bankruptcy discharged. This is preventing me from obtaining financing and I have called Seterus to try and resolve this issue to no avail.
On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report. I have contacted Transunion and XXXX to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled, Transunion and XXXX advised me that I had to contact the XXXX XXXX to resolve this issue.