WillisBack/dataset-financial-user-claim huggingface dataset:
TODAYS DATE:XX/XX/2018 XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX   system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I have faxed cease and desist to this company on several occasions and advised verbally on several occasions including XXXX/XXXX/15 to XXXX management and collectors not to contact me. I declined to provide them a phone number and adivsed this is becuase I DO NOT WANT TO RECEIVE CALLS. Today I received a call from XXXX XXXX XXXX XXXX ext XXXX his caller id # XXXX @ XXXX XXXX XXXX/XXXX/15. 
He stated XXXX him to call me. I advised him as per a previous coversation with him XXXX/XXXX/15 and management I adivsed I wanted no calls and did not give them this number to call me in fact I refused my phone number all together. I advised my phone number is on a cease and desist and always has been. That he should not be calling me under any circumstances. I took his information and advised him I would be reporting this incident. 
When my phone rang with this debt collector I was in XXXX XXXX and was asked to leave the room due to the disturbance.
AMERICAN EXPRESS has made XXXX Hard Hits on my credit history. In XXXX there were XXXX. In XXXX there were XXXX. So far in XXXX there has been XXXX. I have never applied for an American Express credit card. Also other lenders have made inquiries to my report. XXXX XXXX has made XXXX over the past 3 years. The most recent being XXXX XXXX. 
I understand these " hard hits '' could be affecting my credit score. Please advise. Other companies doing this same action are XXXX XXXX MORTGAGE, XXXX BANK, XXXX XXXX XXXX XXXX XXXX, XXXX.
We requested the SCRA military relief act to be applied to our credit cards through Chase. Chase has denied the benefit stating the benefit does not apply to our card because my husband is only an authorized user on the account and is not liable for the account. They further stated the law does not apply because we live in Vermont. All of our other cards had no problem and promptly gave us the SCRA benefit on our account. We believe we are eligible for this benefit and Chase is breaking the law by not extending this benefit to our account.
Yesterday, I transferred money to my sons bank account in the XXXX. The receipt said that the date the money will be available in the receivers country is today XX/XX/XXXX. It is already XXXX right now in the XXXX  . My son was getting crazy back and forth to check if the money is already in his account but nothing happened. Today is his college enrollment and he went home empty handed. He was already in school since morning waiting for the money to come but nothing happened. Ive been sending money to him almost every month but this is the first time it failed to deliver. I need some explanation what had happened. 
XXXX XXXX
I received a call at XXXX CT XX/XX/XXXX, the representative only stated a portion of the Mini Miranda disclosure, I asked to speak with a supervisor and she said the same Mini Miranda. They did state they were attempting to collect a debt, however neither stated they were a debt collector. The supervisor stated they are not required to say that.
I was a cosigner for a tenant at XXXX XXXX XXXX in XXXX of XXXX. When the tenant moved out there was a balance owed beyond the security deposit but I was never notified of this debt. I was only informed of this when I was declined credit and discovered that XXXX XXXX XXXX had sent the account to a National Credit Systems. As soon as I discovered that there was a problem I immediately paid the debt in full. <P/>When I asked if XXXX XXXX XXXX had my information they informed me that they did. Because they took no steps to inform me of the debt nor give me any opportunity to resolve the charges before they sent the account to collections, I dont believe that this is fair. <P/>When I asked XXXX XXXX XXXX for help they responded, " Any disputes or discrepancies about this matter do need to be in the form of written communication. While I do understand that it is paid, unfortunately there is nothing I can do personally to get it removed from your credit. You can contact the collection agency and they will assist you or contact us and let us know if there are any steps we can take to help get this removed from your credit. However, from my experience, that is not a normal occurrence. ''
Collection company refused to verify their authority to collect on a false debt created by ex employer, which has nothing to do with extension of credit or my credit report.
I refinanced i year ago and the lender failed to pay a quarter tax bill and submitted my last payment late causing my taxes to be delinquent and ruined my credit. after saying that they would resolve the issue and did n't ... I am now losing my second home and my new vehicle.
Debt Collector, Portfolio Recovery has manipulated accounts from my credit report that have been reported as Identity Theft accounts and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX .   By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status.   The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due.   The purpose of this decietful act is done deliberately to damage my credit reports.   As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.
A person from collection specialist in XXXX Indiana called my home and spoke to my sister on XXXX/XXXX/17 around XXXX XXXX. The lady told my siste I owed some company {$95.00}. This person called my home number and for XXXX, apparently acting as if she was calling a friend. This person just started telling my sister that I owe some company money without explaining who she was or what company she worked for. After she disclosed what could be my private information to my family member she then stated she was with Collection Specialist of XXXX, Indiana.
XXXX XXXX XXXX {$230.00} & {$200.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
I received a letter claiming I owe money, but according to the original company I do not. I believe this is a scam.
I applied for and was approved for XXXX Southwest credit cards. Before I used the cards I called to verify that I would be getting the XXXX bonus on each card. The customer service rep that I spoke with assured me that I would. I used each card to meet the min spending on each card. I only received the bonus on XXXX card. I called back and they said that I 'm only allowed XXXX bonus per card. They said if I applied for the Southwest Plus card I can get my other bonus. I 've tried to apply for the Southwest XXXX card but have been denied. I feel I am missing XXXX bonus points.
On XXXX XXXX, XXXX 900.00 was put into my account for bill pay. I monitored the acct. to see when funds were taken from the account for each bill. The transactions were called pending however the available balance reflected they had been debited from the acct. To be sure that I understood the term pending I called the XXXX number for Wells Fargo and spoke with a rep. XXXX XXXX XXXX had 2 separate payments XXXX and XXXX. The rep informed me the amt. XXXX had NOT been debited. With this being the weekend before XXXX I withdrew 40.00 and replaced it before it would be debited. When I noticed the amount of my balance was still not enough I called them again. I failed to include the fees. The rep informed me I was XXXX short. I returned to the atm and deposited 1.00. On XXXX XXXX I checked my account and the XXXX amount from XXXX XXXX XXXX appeared as a debit. This left me with approximately 65.00 to my advantage. I discovered this around XXXX. I questioned the transaction however my acct. showed the XXXX paid. Due to my concern I planned to go to my branch when they opened. Before they opened I checked my account and it was negative 135??. I was upset and confused. My available reflected funds where being deducted since first bill payment. I have alerts set to inform me of activity on my account. I get those notices daily according to the activity. When I went into the branch. They printed their info and to my surprise no funds had been deducted toward my bills only merchant and atm activity up until XXXX XXXX. The information I had access to was not the same as what they presented. I asked them if they were not deducted then why did my balance reflect they were. It was difficult to determine which amt had actuall been taken from the acct with XXXX XXXX XXXX. I felt I was deceived and this practice was unfair. Where did those funds go? The majority of the bills were paid however I accrued a NSF of 35.00 and a non payment on one of them due to misinformation on Wells Fargo. My acct is presently over drawn by 165.?? and I dont have the funds to cover them. It was one transaction made for gas and food on the XXXX XXXX around XXXX as well due to the available balance my account reflected. When the branch opened for me to verify or replace the amt used the 124.00 was not there and the debits made was not toward trans. done on the dates they were made. It is suspicious that my account no longer reflect the daily credits being made it shows all done on XXXX XXXX.
Experian.com leads you to believe they have a basic service that has no fees. I was hit with a fee, {$21.00}, and canceled the membership online in early XX/XX/2018. Experian pulled another month 's fee in XX/XX/2018 and I've been unable to connect with customer support to reverse this second fee. The website directs you to an automated service that does not allow you to question the fee or file a complaint directly with the service. 

My member number is XXXX And the transaction appears below in my statement. 

XX/XX/2018 Experian* Credit Report {$21.00} SUBSCRIPTIONS & MEMBERSHIPS Post Date : XX/XX/2018 Transaction Date : XX/XX/2018 City/St : XXXX, CA Zip : XXXX Country Code : US Category : Subscriptions & Memberships Transaction Code : 05 Reason Code : 00 Transaction Type : Purchase Original Amount : {$21.00} Original Currency : USD XXXX XXXX XXXX XXXX Description :  Continuity/Subscription Merchants Merchant ID : XXXX Originating Account # : -
On XX/XX/2018 I contacted Northwest Collectors regarding a collection notification on my credit report. They referred my to the original creditor/medical facility, XXXX XXXX. 

XXXX XXXX advised that the bill they had was not submitted to the insurance company, because they didn't have any insurance on file. I provided them the insurance information and they advised that they would contact the collection agency immediately to have the account removed. 

On XX/XX/2018, I called the collection agency to follow up and they advised that they have received no such communication from the agency. But advised that they would put a 2 week hold on the account. 

They provided me a contact number for the medical provider. When I contacted the phone number provided by Northwest Collectors, company could not verify address as the are a 3rd party and were not furnished with this information. This middle company is called XXXX XXXX
I began receiving daily phone calls from fake phone numbers in  XXXX  of this year. I finally answered one and waited for the call to connect. After connecting the representative on the phone stated they were from a debt collection agency and asked me for my credit card number to pay a medical debt of {$50.00}. I have never received a bill. I told them I would not give them my card #, but if they sent me the bill I would review the claim. About 2 months later (  XXXX  ), I received a written notification from a company called " Credit Collection Services '' stating that the date of service was from  XXXX / XXXX / 2015  from  XXXX   XXXX . I reviewed all of my medical files and have no history of medical tests being done on this date. I responded with a letter to Credit Collection Services the next day stating that I was disputing the claim and requested they provide a copy of the original invoice with explanation of how they tried to bill. On  XXXX  I received another notice from Credit Collection Services stating that the past due account remains unpaid. They have not responded to my dispute.
Phone number XXXX Frontline asset strategies called my XXXX year old mother telling her that she had a XXXX card with {$20000.00} from 2016 she needed to pay immediately. We checked and my mother her never had one. I called that number that has a New Hampshire area code and they would not tell me what type of business they were, I asked for their mailing address and he put me on hold, he was hesitant, he found XXXX gave me a address, XXXX XXXX XXXX, XXXX XXXX, XXXX Minnesota. If you use XXXX XXXX that address is a parking garage.
On XX/XX/XXXX I called XXXX XXXX To settle a charge off of XXXX XXXX ( Current servicer : resurgent capital services LP On XX/XX/XXXX I spoke with an agent requested a payoff settlement amount they approve me for two {$250.00} Took my money over the phone And said it was settled and that within 30 to 40 days I would see a difference on my credit report. 

( ( ( XXXX smart connect Acct Number # XXXX XXXX XXXX XXXX   {$850.00} They agreed to take a settlement amount of {$250.00} In cash Transaction XXXX Settled as agreed!!!! 
30-45 days updated on Credit report XXXX XX/XX/18 PAID Confirmation # XXXX PAID!!!! 
RCAP / RCS processed ) ) ) Then a letter dated XX/XX/XXXX was received at my house on XX/XX/XXXX REF : XXXX stating I still owe {$600.00} whereby The Agent LIED To deceive me!!!! Not OK
I have been plagued with repeated calls from a debt collection company called Harris and Harris for close to a year. They call both of my land lines, often more than once a day, usually both line and a few times every week. Sometimes they ask for my son, who does not live here and is not connected to my address or phone numbers other than by last name. I have returned their calls and spoken with someone telling them that he does not live here and they need to find him on their own. If I see him I will give him the information but to stop calling me. 
To date, nothing has worked, I was called twice yesterday and so far once today. 
The phone numbers are XXXX XXXX and XXXX XXXX. 
Can you help please?
I sent Equifax a certified letter back on XXXX XXXX, 2017 about unauthorized inquires that was appearing on my credit. They have not responded nor have they sent me an updated report showing the changes. When I attempt to call in their hold time is always over 45 minutes and I can not get a hold if anyone. There are different names, addresses, inquiries and now a collection showed up over the last week that does not belong to me.
I sent money to my niece thru Paypal choosing the Friends and Family transfer option. The money was sent directly from my checking account. The transaction was made on XX/XX/XXXX for the amount of {$400.00} and a transaction fee of {$2.00}. Transaction ID # XXXX, sent from XXXX XXXX ( XXXX ) to XXXX XXXX ( XXXX ). The receipt indicated that the person is going to receive the money on XX/XX/XXXX.  My niece needed this money for an out of country trip. I called Paypal the same day asking them when was she going to receive it. They told me within 1 to 2 business days. My niece has still not received the money, it shows pending on her account. I called Paypal on XX/XX/XXXX, and they told me that my niece has to call them. I've also exchange about 8 messages or so with them and no resolution yet. They told me that they have to verify her account. However, her account is verified as she's been using Paypal before, and it does not take this long for an account to be verified. My niece has also contacted them thru emailed messages, and has been ignored and received automated responses. After so many tries, she's received an email saying that she has to wait 21 days for the money to be released, and that the transfer was made thru the Goods and Services option. 
I'm the one who made the transfer, and it was made thru Friends and Family option. I need to know where my money is. I did not agree for Paypal to make the delivery after 21 days. On their website it says that the money gets transferred instantly or within 1 to 2 business days. On my receipt is printed that she is going to get the money the next day. 
I have copies of the emails i exchanged if you need that information. 

Thank you
My Sallie Mae loan was transferred to Navient which they have the right to do so. After exhausting all deferments I had to start paying on my student loans. On XX/XX/2012, I began working for a nonprofit and asked for the PSLE and kept being told it was not an option so I was paying 75 % of my income to this loan. I kept getting calls and do to language barriers, their representatives were not entering my correct banking information to set up my automatic payment withdrawals. I gave them the banking information and the the telephone number and was told this would be taken care of. After 4 missed payments, not my fault, this hit my credit. I have asked for them to be removed and was denied. I also found out they were deceptive in the fact that that since I did work for a XXXX, I did qualify for the PSLE and transferred my loan to XXXX XXXX and have had no other issues. Their deceptive tactics need to be addressed.
I had attempted to close my account with capital one and transfer the assets out. Upon closing I had levied against me a {$75.00} fee. I was not made aware of the transfer fee when I was in the process of closing the account and capital one did not have any avenue to see the fee from their app, which is my primary portal for using their service. Furthermore there was no indication in the app that I was missing any sort of communication from the institution. When I contacted the FI they advised me that there was a lesser fee ( {$15.00} ) but that they would honor that fee because it would require separate paperwork. I was advised that even if I were to submit the correct paperwork that they would still levy the fee - which amounts to nearly 25 % of funds in the account.
i am a XXXX XXXX XXXX retiree who became involved with numerous online business opportunity scam companies. i paid impact ranking XXXX and XXXX inc.XXXX. i reached out to my bank for help after finding out i would never be rendered any service at all ever.i called my bank in XXXX to tell them i was not rendered any service by either one of these companies.i get really confused when my other credit card companies refund me the same company and my capitol one card wont.these companies are committing a crime with a merchant account.how can anybody who took a serious look at my account not see the fraud. i dont feel i was treated fairly or the bank even investigated.i know it wasnt a billing error. i was never rendered any service.i know i signed a contract.
The company continued to contact me and send me out a bill XXXX bill was 3 times in a week, when i asked them to send me proof of my signature and valid information not a statement that was from XX/XX/2004,, they refused, just kept calling me and refused to put debt in dispute. they continued to harass me after i contact information to attorney ... they then called my phone and told my roommate about the debt as well.
Started to work on my taxes today ( XX/XX/XXXX ), and noticed that PNC Mortgage hadn't added my hazard insurance payment of {$510.00} on my escrow account. Attached is a receipt showing that it was paid on XX/XX/XXXX ; for the period of XX/XX/XXXX thru XX/XX/XXXX. INSURANCE WAS COVERED SO WHY ISN'T IT SHOWING UP ON MY ESCROW ACCOUNT FROM PNC MORTGAGE???? 

My account was transferred to XXXX or XXXX XXXX on XX/XX/XXXX, this shows that PNC Mortgage was responsible for paying my hazard insurance for XX/XX/XXXX. XXXX or XXXX XXXX didn't pay anything towards my insurance until XX/XX/XXXX for XX/XX/XXXX ( XX/XX/XXXX thru XX/XX/XXXX ). 

I have attached on the necessary paper work for your review. This is exactly the same thing that PNC Mortgage did when they withheld my monies for repairing my home for over 7 years.
Secured credit card with XXXX, Paid {$1000.00} security deposit. Account closed by XXXX and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?
There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.
I told the collector to not call me at my place of work, I can not have personal calls at my place of work. They continue to call and ask for me and be rude when I tell them not to call any more. I have told them twice to not call me at work AT ALL.