WillisBack/dataset-financial-user-claim huggingface dataset:
Left messages on my phone and my dads stating that I had a complaint filed against me and that legal action would be taken against me. When I returned the call they would not send me proof of the debt said that I had to pay or further action would be taken. Wanted my current addresses and account information. Placed my on hold several times while they made " arrangements '' with the credit card company.. I do n't believe this company is a legimate debt collector and that they are a scam. They are where calling about a card that was closed out 10yrs ago.
I have sent over  6 lett ers to TRANSUNION.        XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I requested written original signed verification of the following accounts as required by FCRA  609.      - XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , tx  XXXX  Transunion  states  they have verified this account? They did not provide original signed signatures proving this was my account and the address they have on file is totally incorrect.  XXXX  who ever they call themselves.     INQUIRIES : TRANSUNION ALSO REPORTS SEVERAL INCORRECT INQUIRIES ON MY CREDIT REPORT.      XXXX   XXXX ,  XXXX   XXXX ??????????????????    XXXX   XXXX   XXXX ???????    XXXX   XXXX ,  XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX ???????????????????????????????????     ADDRESS INFORMATION : ALL TOTALLY INCORRECT-  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX  EMPLOYMENT : ALL TOTALLY INCORRECT-   XXXX   XXXX   XXXX  They responded by saying the accounts were verified correct? Who verified them? where are the original signatures? The address are not even correct.
XXXX XXXX : I was informed that Bank check mailed by XXXX to Freedom Mortgage was returned with Insufficient Funds. I called Freedom Mortgage immediately to let them know that I intended to correct the error the next morning ( XXXX/XXXX/16 ). 
XXXX XXXX : I Made ACH payment to Freedom Mortgage, and made deposit the very next morning into my XXXX checking account. 
Freedom Mortgage re-submitted check that originally had insufficient funds and it cleared with XXXX on XXXX/XXXX/16. 
XXXX XXXX : Call from Customer Rep. from Freedom Mortgage who said I owed the XXXX payment. I faxed copy of cleared check and bank statement for XXXX. 
XXXX XXXX : I went to meet with my bank officer and had her pull up my bank statement and copy of the cashed check ( no money paid to Freedom Mortgage has ever been returned to my checking account ). That same day ( XXXX XXXX ) I called and spoke with a Freedom Mortgage Rep. and faxed a copy of the cleared check and a copy of my bank statement showing the full mortgage payment from my account. 
XXXX XXXX I called Freedom Mortgage to verify fax sent XXXX XXXX was received. ( I have had to call them most every time- they rarely return calls and do not permit customers to speak with people in " Cashiering '' - the people who know the system and the payments ) XXXX XXXX : I called to check on the status of my case. I was told by Rep. that it was being investigated and to wait until Monday XXXX/XXXX/16. 
XXXX XXXX : I called to check on the status ( not willing to wait til XXXX ) and was told by Rep. that he would put in a work order for me - there was none on record! 
XXXX XXXX I received a call from Freedom Mortgage saying I needed to pay my XXXX payment. I explained that it was under investigation. I made a ACH payment over the phone with the Rep. ( again ) with the agreement that once the XXXX issue was resolved ( which I had submitted proof with the cleared check and my checking account history for the entire month of XXXX as requested ) that the ACH would be applied to my XXXX payment. 
XXXX XXXX I called and spoke with another rep. who told me she would contact Cashiering and get back to me with a resolution no later than XXXX XXXX. 
XXXX XXXX : The ACH cleared. 
XXXX XXXX I received a call from the rep. I telling me that all was clear for XXXX and XXXX and I was good until XXXX XXXX ( and no late fees, or charges as they were received within the grace period. 
XXXX XXXX : Received call from a Rep. stating that I owe for XXXX, XXXX and XXXX and the loan is in default ( also received letters stating the same dated XXXX XXXX & XXXX XXXX ). 
Later on XXXX XXXX I faxed from XXXX another copy of cleared check for XXXX payment and another cleared check for XXXX payment. Both checks have been processed and cleared my account. Also faxed a print of transaction history showing checks cleared and ACH debit with trace # cleared on XXXX XXXX to Freedom MTG Pymts. ( which was to be applied to XXXX payment ). 
As of today XXXX/XXXX/16 my loan with Freedom Mortgage is showing past due for XXXX XXXX and XXXX.
I transferred money {$100.00} through XXXX via my bank Wells Fargo to someone who was supposed to give me tickets, they scammed me and went silent right after I sent the money. I called Wells Fargo, and they said they could not do anything to help me. There is nothing safe about XXXX, and if it is backed by your personal Bank they should be able to stop fraudulent payments especially if they have access to the other users bank information, I called Wells Fargo 5 minutes after I realized what happened. 

XX/XX/XXXX is the date of the incident Confirmation # XXXX {$100.00} in payment is what was fraudulent I called Wells Fargo to ask for help, they said they could do nothing.
Springleaf has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Wells Fargo/Health Advantage off ered a product satisfaction guarantee as offered by both  XXXX  and  Wells Fargo/Health Advan  tage. If the h  earing aids did not w ork to satisfaction within period then return the hearin g aids and the y would credit the card back and cancel the transaction.     I returned the hea ring aids  to  XXXX   XXXX   XXXX  in  XXXX , TX and notified the company that I returned them. I cont acted Wells Fargo a nd told them. They promised to refund and close out this credit card account.     I never even received this credit card. It was just a promotion wit h Wells Fargo and    XXXX   XXXX   XXXX  that I saw on tv offering 0 % interest for  one year and  product guarantee 100 % satisfaction.     I could never hear or wear the hearing  aids because they  never worked.
I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT ACCEPTANCE CORPORAT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
I requested for my Kohls account to be closed in XXXX and paid off the account. Since the account has been paid and closed, Kohls continue to add additional fees to the account through XXXX. The account went from being paid off to {$110.00} in fees added to the account. Nothing has been charged to the account. I do not owe these fees. Kohls should not be able to take advantage of consumers like that. Kohl has sent this account to credit bureau and caused my credit score to drop 35 points.
My father died in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fees, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees and accrued interest including the years that they wrongfully foreclosed on the property.
I rented a car from XXXX in XXXX XXXX for XX/XX/XXXX. It was a Hyundai Accent, XXXX I believe. I accepted the paperwork without checking the mileage ( unlimited allowed within XXXX California ) or the license plate ; I only inspected for damage trusting they were issuing me the correct car. All was fine, I drove about XXXX miles in XXXX XXXX, returned the car on time. 3 weeks later I see {$530.00} in additional charges on my Discovercard. XXXX sends me a XXXX violation showing the car violated a toll for XXXX cents in XXXX California at XXXX on XX/XX/XXXX. I assured XXXX they had issued me a different car and asked that they check paperwork on other Accents issued the same time. I also disputed the transaction with XXXX submitting the only evidence I could find, a photo of the car, not tag, that appears blue ; a Discovercard receipt I signed at XXXX in a XXXX XXXX restaurant same Friday, and a screen shot of my tee time that same day at a XXXX XXXX golf course. I offered sworn affidavits from myself, wife, son and daughter in law, and others who would attest we were in XXXX XXXX that Friday. Discovercard would not consider anything other than the rental agreement ; their people are trained apparently to disregard any evidence other than the rental agreement. The result is if a mutual error is made, vehicles are switched between XXXX weekly rentals occurring about the same time, Discovercard leaves no way for that to be proved because they wo n't request records from XXXX. My only option is to go to court XXXX miles away over a {$530.00} dispute. The {$530.00} is {$50.00} for an admin fee and {$480.00} because they say the toll violation proves I was driving outside the restricted area. I do not believe Discovercard has conducted a " reasonable investigation '' when the only evidence they will consider is the document alleged to have been carelessly, or worse, issued. Yes I was careless in not confirming the paperwork matched the car but who would expect that to happen.
I have been contacting Capital One, who appear on my credit file as XXXX, Capital One, XXXX XXXX XXXX XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. It is listed on XXXX report with dates of XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, Neither of these did i authorize or give permission. they are a result of fraud. 

The listed contant information listed on my credit reports differ, XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX ( XXXX ) XXXX, also have XXXX XXXX XXXX XXXX XXXX VA, XXXX ( MAIL ONLY ),
Around XX/XX/XXXX, I contacted XXXX XXXX XXXX which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.
My agent and I both sent my new homeowners policy to Suntrust for payment. I uploaded it directly on XX/XX/XXXX, my agent faxed it to them the same day. 

On XX/XX/XXXX I received a " Forced insurance '' letter from Suntrust, they had failed to pay my insurance on time, even though I have a fully funded escrow account. 

I called Suntrust who told me, ' We paid it today and there will be no lapse in coverage. '' Had I made a claim in the period from XXXX XXXX XXXX, I would have been uninsured. When I asked Suntrust where to file a complaint, I was told that there was nobody to complain to, I found this website on my own. 

This is absurd, they had my money, they had my new policy and yet they did not pay it, leaving me without coverage ( Sure they will back date it because I did not have a loss and they want the money ). This is completely unfair. If this is a pattern from Suntrust, they should receive sanctions or penalties.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against AFNI. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
I had a credit card with XXXX XXXX XXXX XXXX XXXX which was charged off i have a payment arrangement with XXXX i keep getting letters from XXXX XXXX XXXX XXXX i tried to contact XXXX XXXX XXXX letting them know this is being taking care of by XXXX and XXXX, they still keep sending me letters i even faxed a copy of the letter i reveived from XXXX XXXX XXXX. that did not stop them also, i am fedup with them please help me. attached is a copy of the letter from XXXX XXXX
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX. I have only had one account with XXXX XXXX and that account was paid in XX/XX/XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into one of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old account.
I sent a dispute requesting information on the debt to Transunion and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. 

No copies of a signed agreement or history of payments made to the company has been sent. 

Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.
I believe I am being asked for irrelevant information from my bank when I applied for a {$25000.00} loan for a {$75000.00} property. This has been three weeks of asking for sometimes duplicate information or impossible information. For example, my mailing address is different from my street address and they need 'proof ' of that. I told them it is a gated community and EVERYONE has a box within the community mailroom but they 're insisting that my mailing address is actually a property. I have no proof but that ca n't possibly be a unique situation. I also have a annuity that they 're asking for a three year continuance award letter. There is n't any because I could simply take it all out one day ; it 's an annuity. No guarantees. I do n't know if they do n't know what they 're doing, but every day they 're asking for some other 'proof ' of something. I signed a form to give them permission to get a copy of my tax records three weeks ago and yesterday they just asked me for a copy of my tax returns for XXXX and XXXX. It just goes on and on. They should have given me a list of what they needed, but instead, different people contact me for different things. We have an excellent credit record and assets to more than cover the loan, I feel as if I 'm being harassed.
This company has called me regarding debt that belongs to someone else. I do not have, nor have I ever had, business or an account with Wells Fargo. I have asked them repeatedly to cease and desist calling me regarding someone else's debt. I even had someone fill out a cease and desist form. They have called me every two to three days since XX/XX/2015, sometimes leaving a message or, using a robo-dialer, leaving a message with no content. These attempts are in violation of the Fair Credit Reporting Act and in violation of the do not call list, as I have no debt owed to them and have not given them permission to contact me in any form.
NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS FAT ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL  DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!
SUBURBAN CREDIT CORPORATION has attempted collecting on {$120.00} of medical debt claimed to be incurred during my visits to XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The collections company states that i failed to make the {$60.00} co-payments during each of these visits. However, I have paid every bill presented to me by the Doctor 's office and the collections agency can not or is not willing to prove that i have not made these payments. 

The Doctor 's office never billed me for these co-pays or mentioned during my many visits to their practice even month 's after these claimed unpaid visits. I would have definitely paid if they had asked me for co-pays for these visits ( which were by the way follow up visits requested by the Doctor ) either during or after the visits. 

I have a spotless credit history and have pay every bill that I owe. However, I wo n't be bullied by a collections agency into paying debt that i do not owe and which they can not provide evidence of non-payment off.
I hired  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my TransUnio n Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was n  ot verified because of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at TransUnion they informed me everything was verified and accurate on bot h Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that was   discharged and also a Lien. I do n't understand how they were verified when noone at the courts verified and there is a Security Freeze in place.
I have attached all documentation showing such information.
In XXXX, we filed for bankrupcy, got discharged and approved for a mofification loan with Nationstar Mortgage. For six years, the payments were always automatically withdrawn from our bank accounts. We also chose the option of receiving the electronic billing statement. Suddenly since XXXX XXXX, we could not access the online account and did not receive any regular hard copy statement. Called Nationstar many times, all representatives promised to fix it in 4 days, 10 days but nothing happens. All representatives looked at the bankrupcy records and confirmed it had been closed a long time ago and absolutely not in active status. Now every month I try to call them to make a payment, they wanted to charge me XXXX dollars for processing fee and did not even send me a receipt or a confirmation letter. How could they been allowed to do that?