WillisBack/dataset-financial-user-claim huggingface dataset:
Received an insurance claim check from XXXX XXXX XXXX made payable to myself and wife, and our Mortgage Company. Mortgage Company is refusing to endorse check and release funds to us. They provided requirements of the documents they would need to release funds, we have provided all documentation provided to Insurance Company who reviewed and approved the claim and the money to fix our home. Every time we call/contact Mortgage Company, they claim that we need different paperwork or in some other form, and often times when calling their customer service line, they are based outside of the US, there is a distinct language barrier and calls are disconnected. There are no physical branches or US based customer centers, everything is done via phone and mail, which the Mortgage Company then advises that all transactions take 10-20 business days to process. Meanwhile, the Mortgage Company is refusing to release funds from the Insurance Company to us and we can not complete the work to fix the damages to our home from a busted pipe that would restore the home to its previous state.
I paid my interest-accruing balance in full and they charged me interest. This is a new card and I wish I would have known about their practices before I signed up with them. My previous statement balance was {$6800.00}, which included my purchases for that month, {$150.00} balance transfer fee and {$5000.00} balance transfer. I made a payment on XX/XX/XXXX for {$1800.00} prior to my due date of XX/XX/XXXX. This would have brought my statement balance to {$5000.00}. I have an auto-payment set up and made another payment on XX/XX/XXXX for {$270.00}. This would have brought my statement balance to {$4700.00}. There was no remaining balance to incur interest. The {$5000.00} that I transferred is 0 % interest/deferred interest for 18 months. I received my new statement and there was an interest charge of {$1.00} on XX/XX/XXXX. I spent over an hour on the phone with someone in XXXX and they continued to argue about it. I was not able to resolve it.
XXXX XXXX placed a collection on my XXXX XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

XX/XX/18 - XXXX XXXX XXXX XXXX - {$1600.00}
I was making some disputes on my credit report. I sent an envelope with various accounts listed on individual papers to Experian on XXXX XXXX, 2015. On XXXX XXXX my former landlord sent me a package that she received from Experian that included the dispute I made against her as well as disputes I submitted for other accounts ( credit cards, collections, medical etc. ). Experian violated my privacy by forwarding personal information including full account numbers to a third party. I was exposed to identity theft due to their carelessness. I have a copy of the entire package that was sent to my former landlord including a photo copy of the envelope it was sent in. My disputes have gone unresolved and now I have this to worry about as well. I am trying to improve my credit but Experian has failed me horribly by exposing me to additional privacy concers
My second complaint. I have had several issues with XXXX XXXX. I was told that I could make more than one payment and the other payment would be for the next payment. I did that and XXXX XXXX refused to honor the payment. Causing fees and negative reporting to my credit bureau reports. If this is n't resolved my lawyer will contact XXXX XXXX and start legal proceedings in federal court. Please forward calls that were made so they can be listened to.
My student loans that have been rehabbed are being report twice on Equifax and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. XXXX  will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.
TransUnion File Number XXXX XX/XX/XXXX Has Promotional Inquiries showing as I opt out in XX/XX/XXXX so why are promotional Inquiries showing
Rented an apartment.  Father  was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!
I obtain a car loan with Wells Fargo in XX/XX/XXXX for 48 months. In XX/XX/XXXX, Wells Fargo is reporting I was 30 days late on two different occasions in which my car payment was never 30 days. I sent a letter disputing the report, their response asked for documentation in which I provided bank statements showing the debits from my account. Wells Fargo refuses to report the correct information. Wells Fargo also refuses to provide a contact number or email to their Credit Dispute Center. A fax number is only available.
I called capital one on XXXX/XXXX/2016 because there was XXXX in unauthorized charges. They asked if I knew a XXXX XXXX. I have never heard of this person and all transactions were in South Carolina and I live in XXXX. A month later the charges were still on my account. They NEVER opened a fraud case. So they finally opened one 2 months later. But instead of refunding the money they double charged it. Ive called five times!!!! They cant get this fraud right! I know crap happens but fix your mistake.
The debts went into collection and were sold to a collection company. The  Collection  companies have been trying to collect. I have sent letters to Original creditor, collection agencies and contacted credit bureaus regarding matter on   XXXX   XXXX   XXXX    . The original creditor or the collection agencies responded to my letters.   I have no contract with these collection agencies and I have asked for any contract they have with my signature, still no reply. The credit bureaus told me these collections agencies have a right to collect because they bought these debts and they want their money and they do not need a signed contract. I was told by an  XXXX  representative that I could not dispute these collection agencies because my reasoning was invalid.     I have no contract with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX  GA  XXXX  as this account was sold to   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX  PA  XXXX ,  XXXX  I have no contract with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , KY  XXXX  as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TX  XXXX ,  XXXX  I have no contract with  XXXX   XXXX , as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX .  XXXX   XXXX   XXXX , KY  XXXX  Please help me if possible. Thank you
Transunion lists a collection account on my credit report from XXXX for XXXX XXXX. This account was paid in full before ever being sent to collection. I have all of the documentation, and yet when I filed a dispute with Transunion, they responded less than two weeks later stating that the collection account and balance due is accurate. They did not ask for any documentation.
I already sent CoreLogic Credco a legible copy of my passport and utility bill. 

They refuse to send a copy of my consumer report as requested.
XX/XX/XXXX I received the attached latter in the mail from Debt Recovery solutions stating XXXX XXXX XXXX ( " XXXX '' ) has purchased an account with my name on it. This is a serious matter because I was a victim of identity theft. And XXXX has attempted to report false information on my credit report for some time now., Each time they are removed by all Major Consumer Reporting Agencies or By XXXX ' because they are not mine. 

Also I want notify you of the history of the account numbers and amounts owed keep changing in order to re-insert of my credit report. 

This is a serious matter. 

The attached letter says I have the right to request a copy of the contract or other documents evidencing an agreement of debt. I need to see these to notify the bureaus of more identity theft by XXXX ' or some other person out there claiming to be me Attached is a copy of the notice I received dated XX/XX/2019. 

I have responded within 30 days of the date. Please send all documents showing that this debt belongs to me. I have kept all copies of certified letters from the past I have had with XXXX ' and their data furnishing affiliates or partners. This debt is an attempt to reinsert a debt that does not belong to me.. As XXXX ' already know my father passed away and we had the same name. this is all well documented. 

I also called the XXXX hospital in XXXX where this supposedly took place. they said do to HIIPPA they were unable to share any information with me. there are XXXX XXXX 's in the system but there are not any that match my description.,
I default it on my installment loan with Fifth Third Bank. My account went into collections and I asked them to put me on a do not call list a cease-and-desist do not call my phone number XXXX they are now calling my phone number
I was admitted into the hospital back in 2014 and a doctor who seen me while I was in the ICU kept sending me bills. I called up XXXX XXXX XXXX and gave them my insurance information again. My insurance paid the bill and XXXX XXXX XXXX placed me in collections. I called up the collection agency and they are saying that they have no record of the collection account. When they are the ones who are reporting the account on my credit report.
I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XX/XX/XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XX/XX/XXXX. XXXX XXXX also placed the account in collections with National security systems as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted XXXX and XXXX as well and seem to be getting nowhere with the removal of these charges.
I have filed disputes with XXXX and Equifax 30-45 days ago concerning this and to this day, It is yet to be corrected. The balance on my reports is showing that I owe {$19000.00} for Child Support. This is untrue. I have called and spoke to representatives at Child Support and that informed me on how much I owe and It is WAYYYYYYYY far from the amount that they have on my credit reports. The Child Support office informed me to dispute this on the reports. Which I have, but I have yet to hear anything from them. They are showing late payments and all. This incorrect information on my reports is causing me not to be able to secure financial security that I would like to purchase my family a home. Please I need someone to get this incorrect information off my report asap.
I have notified the " Professional Bureau of Collections of Maryland , Inc. '' on  several occasions between XX/XX/XXXX to XX/XX/XXXX that the debt they are trying to collect does not belong to me. Finally it ended up on my credit report and they started calling my boss at the college I work at trying to collect. I disputed the debt on my credit report and they sent me a validation letter with the contract for the debt. The debt belongs to my husband, on the contract he is listed as " the responsible party ''. My husband and have separate finances, taxes, credit accounts, and even a prenuptial agreement that separates out finances. They have never once sent my husband a collection letter. I have asked them to remove this from my credit report since I am not the responsible party for the debt. I understand that if they get a judgment against my husband they can come after my income since we live in California, a community property state. However, they have not gotten a judgment and if they do our prenuptial agreement will stop them from trying to collect from my income and property. this company did not follow procedure by trying to collect the debt from the " responsible party '' to start with. Now they are putting it on the credit report of someone, me, who did not know about the debt and threatening to take my property and my income.
I have a bill on my credit report that has been shared in collections with a third party agency. I know for a fact this bill is well over seven years old and the amount is way over the actual bill can you please help me.
I havent been able to access my credit report, and once I called Equifax to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.
XX/XX/2007, my name was listed second on a loan with XXXX to allow my former spouse to purchase her vehicle under the XXXX Employee Program. After numerous late payments by HER, it was sold and the proceeds above the loan balance were refunded to her. Despite the fact that I made NONE of the late payments, no " repossession '' was done from me, and I did not receive any of the sale profits, TRANSUNION refuses to delete this account from my file.
XXXX XXXX client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. XXXX XXXX  and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of XXXX XXXX was made to the CFPB, a letter confirming the removal of the data was received however an XXXX  credit report obtained XX/XX/2018 still has XXXX XXXX listed in the hard inquiry section of the report.
I am dissatisfied with the current outcome of a dispute that was initiated with Discover Card regarding a single transaction that occurred on XXXX/XXXX/2015 in the amount of {$280.00}. I have corresponded with Discover Card at least four times since XXXX/XXXX/2015 ( which I have enclosed as an attachment to this complaint ). I believe that the credit card issuer has violated consumer protection laws by failing to implement the Special Rule for Credit Card Purchase protection despite overwhelming paperwork evidence submitted by me that shows the merchant has conducted business in bad faith less favorable to the consumer. I have sustained a monetary loss as a result of merchants bad faith and intent. I have patiently utilized the internal Discover Card dispute process over the past three months with the credit card issuer always favoring the merchant ; I have repeatedly submitted irrefutable paperwork evidence that has shown that the merchant has conducted business in bad faith. I have tried in good faith to address my complaint with the merchant and Discover Card but believe that I will not receive a favorable outcome.
I have been calling XXXX  & Equifax regarding the multiple unauthorized inquiries on my credit reports due to identity theft but they refuse to investigate. I was told I need to contact each company and dispute with them & have them to forward a letter to them for removal. I have provided my theft report also have fraud alerts on all of my credit bureaus. Also I have advised them they are still allowing unauthorized inquiries on my credit reports. I am demanding this information removed asap this is damaging to my credit. This is fraud, I have included a list of the fraudulent accounts to be removed
On XX/XX/15 I obtained a car loan from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I obtained this car loan with my sister, XXXX XXXX, as my co-signer. 

When I went in for the loan, the dealer was very pushy and spoke very quickly about what it would take and what I would be charged, and my interest rates. He said all of this very briskly and quickly began to draw up the paperwork. He stated that I only needed my sister to co-sign and that it did not matter that she was not employed. I trusted the dealer to stay true to his word. 

I was rushed and pushed to sign the paperwork very quickly with my sister, and was not given time to look over the information and the percentages that we spoke about. After I left the dealership, I began to look into the paperwork. 

In the paperwork, the dealer stated that my sister was working and had a job. That was completely fraudulent information. He also stated that I made more money than I actually made from my supplemental part time job. The percentage rate, 19.63 %, was not what we discussed in the office. Also, I was given fraudulent information that I could renegotiate the loan after a year to a lower rate with the same bank. 

I recently learned that XXXX XXXX was shut down and that several employees and the owners were arrested under a Federal Investigation for creating and producing fraudulent loans, predatory lending practices, and supplemental information for the loans. I firmly believe that I was a victim to this and that my loan is a result of predatory practices.
BEWARE, CAPITAL ONE REFUSES TO CLOSE MY CREDIT CARD ACCOUNT. They refused to do so, on the phone, unless I agreed to a lot of terms they wanted to read over the phone. I was not going to give in to blackmail terms about closing my account. I refused to agree to their terms and told them to just close. They would not. I sent a Certified letter ( attached ) requiring that Capital One close my credit card account. They still wouldn't do it. Instead they starting adding interest charges and late payment fees to a disputed charge.
Good afternoon, I had a credit card with XXXX XXXX XXXX.it was sold to a collection agency called XXXX XXXX ( account XXXX ) Their address XXXX XXXX XXXX XXXX sc XXXX Then another company trying to collect on the same debt called XXXX XXXX ( account XXXX their address XXXX XXXX  XXXX XXXX XXXX MN XXXX Then another called Resurgent capital account XXXX Adds XXXX. XXXX  XXXX XXXX MI XXXX   None of them would validate the debt because XXXX XXXX bill me some items in error
We received a notice dated  XXXX   XXXX  from Financial Corporation of America alleging a medical debt. We responded  XXXX   XXXX  citing subsecti on 809 b of the F air Debt Collection Practices Act with a request that FCOA cease activities to collect this debt until they provide documentary verification of the debt. Thus far, we have received no documentation. However, we received a second notice from  FCOA reg arding this debt, dated  XXXX   XXXX ,  2017 . We understand this second communication to constitute a viola tion of the Act.   The account number in question is  XXXX .
My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX at the XXXX XXXX XXXX XXXX. 
They told me I was approved for credit and I signed the financing documents. 
My original Creditor was XXXX/XXXX  bank but in XXXX of XXXX it was transferred to XXXX XXXX. 

My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX Dealership and only authorized the one credit check which they said was approved. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX The XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved. 

I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.
I made a cash deposit into my checking account on XX/XX/2016, at an ATM at XXXX Bank XXXX ATM which the bank I use. The cash deposit was credited on XX/XX/2016, however, on XX/XX/2016 the bank charged my account an overdraft fee. I called customer service and was informed that cash deposits made at an ATM are not automatically credited to the account and must be made in person at a branch before XXXX. It is my understanding that a cash deposit is immediately credited and can not be held. THe bank held the cash deposit and charged an overdraft fee.
I respectfully request full investigation and based on the information I have provided I request the Enhanced Recovery Company, LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Enhanced Recovery Company, LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
XXXX is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

XXXX  is refusing to remove a fraud account from Discover credit card. 

XXXX is the account number in XXXX and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

XXXX  will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my XXXX account. XXXX  responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my XXXX  account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.
With this collection agency they harrassed me and told me that I needed to make a payment. They did not provide me with a written verification of the debt to prove that I needed to pay. They furthermore, did not try to retract the debt from the proper persons.
this account was a result of my identity being stolen and yet their is a collection for services or things that i never was there for it was opened because of my identity being fraudulently used ... i have since filed updated police report and notarized affidavit of id theft from the ftc