WillisBack/dataset-financial-user-claim huggingface dataset:
You already have received this information and you ignore these complaints. I have been scammed because your LACK of internal security measures that allowed a perpetrator to receive bank information from one of your account holders and paid this money onto my XXXX account for only to be identified as UNAUTHORIZED.. You have a serious security inside your office and should be ASHAMED of protecting not only your client but the associates that your supposed clients do business with.. As a result of your exposure I have had XXXX or so be paid into my account for a debt that was owed me to only be removed or clawed back days later to perpetrators that were paid prior to these events. In addition XXXX Admitted that there are flaws in the banking system and loop holes that allows perpetrators to scam innocent people like myself. 

IF this is not rectified and those monies put back in my account I will pursue legal issues that will show your bank and other banks these flaws that will hurt your company. I am not trying to threaten or hurt the bank, I want the monies put back in my account and you work this out with XXXX. In addition I want to have better security that people are real-time notified of changes to their accounts that would have prevented this from happening and me be out because of these perpetrators XXXX and nearly 1.5 million due to one of the ring leaders. I will expose this to the media which I really dont want to do but I may have to if this is not resolved
Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attemptsXXXX, and Solomon & Solomon continue to verify this debt without proper validation. Solomon & Solomon has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account is in dispute, they continue to reflect non payment monthly on my repute. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.
I made payments in the total amount of {$4400.00} that were posted to my BMO Harris Bank credit card account on XXXX XXXX, 2017. This was reflected on my credit card statement dated XXXX XXXX, 2017.
In early XX/XX/XXXX, I received a letter dated XXXX XXXX, 2017, from BMO Harris Bank stating that " we recently became aware of a payment that was applied to your account in error. You will see a debit in the amount of {$3400.00} on your account on XXXX XXXX, 2017. '' Upon receipt of this letter, I immediately contacted them to dispute this reversal of my payment from 4 months prior. They told me that they had no information why this occurred but would investigate it. A week or so later, I received a voicemail saying that they were looking into it, but could n't yet provide me with any additional information. On XXXX XXXX, 2017, I contacted them again. Again, they had no information regarding this payment reversal. My last contact with them was yesterday, XXXX XXXX, 2017, and they are still unable to prove that my payment was not properly made.
BMO Harris Bank made additional errors in opening this credit card account originally, and their customer service trying to resolve these issues has been horrendous. I have been a customer for approximately 20 years, with various checking, business, and credit accounts. I have no faith anymore that this bank is able to properly keep records and will be closing all my bank and credit accounts with them because of these disputes.
XXXX XXXX is stonewalling my attempts to clear my name from negative marks on my credit report. I have written to them on numerous occasions over the past 6 months expressing concern that they are reporting inaccurate information. They are reporting negative marks that do not belong to me. I asked them for proof that these negative marks belong to me and they ignore those requests. They conveniently send 'form ' letters with he last one claiming they don't understand the nature of my request which is utterly ridiculous. 

This is a willful attempt to circumvent their obligations under FCRA.
Fifth Third Bank manipulated my account to obtain additional fees. They have violated banking practices by delayed posting of transactions resulting in a circle of misinformation and discrimination on the basis of account type. The bank advised me they process all transactions twice through overnight processing and systematically reject transactions to obtain ATM and overdraft fees on savings accounts which is not permitted and do not operate with the opt in or opt out policy for overdrafts as required by federal regulations. Upon notification to the bank I was advised their resolution was to coach their employees and continue operating under these practices despite knowledge this was against regulation. The reference ID I was given for this matter is XXXX and I spoke with XXXX and XXXX both supervisors in the department regarding these illegal practices.
MEDICAL COLLECTION- {$470.00} WAS PAID IN CASH XX/XX/XXXX. TRANSUNION SAID THEY WOULD REMOVE VIA A PHONE CONVERSAGTION XX/XX/XXXX AND IT HAS YET TO BE REMOVED.
This representative from a XXXX collection agency ( # is XXXX ; then continued calling from an unknown number ) calls me repeatedly ( averages about XXXX20 times per day back to back ), and cusses me out calling me all kinds of names such as XXXX scum of the earth '', etc. I have told him that I will file a complaint and he says that he does n't care, and will have me arrested for not paying my debt. I am tired of his harassment. He refuses to give me a name but says he can be called XXXX I am tempted to call the police on him.
I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX.
XXXX paid for this debt. XXXX already resolved the issue and took it off my record but continuous to reflect in this bureau. Furthermore, account is so old.
Equifax, XXXX and XXXX keep reporting outdated negative information. I disputed a number of things over XXXX yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over XXXX yrs ago by mail.
I recently started credit monitoring and noticed almost 30 inquiries on my report from XX/XX/XXXX up to current day. I have a paid off vehicle and also prepaid phone service. I have listed the inquiries and dates below. 

XXXX XXXX XXXX XXXX XXXX XXXX.- Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX/XXXX Inquiry from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All BanksInquiry details XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX   Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance
Experian is continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they have already sent the request to the credit bureaus to delete the account. As of today, XX/XX/XXXX, Experian is still reporting the item. I would like for them to comply with the company and remove the debt.
I had a gym membership with XXXX XXXX and paid the year in full ( including annual fee. ) In XX/XX/XXXX, with no prior notice, the gym closed their doors and emailed the members about having to go to one of their other locations in person in order to cancel. I went to the other location and submitted a cancellation document which stated that we will NOT owe any cancellation fee as they have closed the location. I contacted corporate about the funds due back to me for the months pre-paid - after months of calling and emailing, I finally received a refund of LESS than what was owed to me. I decided to cut my losses and move on - however, today, I received a phone call from XXXX XXXX 's financial services stating that I owe {$49.00} for the XX/XX/XXXXannual fee. I advised them that my membership has been canceled, but after researching, the representative stated that I am still showing as active and that they will send me to collections if it is not paid. I attempted to call the gym, but they have continued to hang up on me. Finally, one of the employees by the name of XXXX advised that she will leave a message for corporate ( a representative from corporate named Dris ) to call me back. She also advised that they are no longer XXXX XXXX as they have been bought out by XXXX XXXX XXXX, so they can not promise to help me any way. 
1. If cancellation was not successful, why was a refund issued to me? ( although it was less than what is owed to me ) 2. It is nearly impossible to ever speak with anyone. They usually will not answer the phone, or if they do, they will hang up immediately, and they never respond to emails. 
3. If they are no longer XXXX, why are they collecting an annual fee for a gym that does not exist? 
4. Per the internet reviews on this gym ( all locations ), it appears that there are SEVERAL people going through the same scenario as I am - including their employees and other contract workers who have completed jobs for their gyms.
I do not have unpaid debts. I continue to receive calls from First Point Debt Collection stating they are a debt collector that needs to get in touch with me. The phone number I receive calls from is ( XXXX ) XXXX.
I opened an account with Bank of America in XX/XX/XXXX called " campus edge ''. I am told that in XX/XX/XXXX I received a statement notifying that my bank rules have changed and now I am going to be billed {$12.00} per month for not having a balance of {$1500.00} in the account. 

I find this unfair that if someone missed the statement warning they essentially bleed out their money. No email alerts for fees are sent out. Only " statement available ''. It 's a nice way to steal {$120.00} a year from small accounts that people forget about. 

I lost {$210.00} this way before taking back control.
Medical Data Systems is a third paty collection agency that provide collection services for XXXX. My family was provided XXXX services at XXXX for my XXXX in XX/XX/XXXX. There was change in my insurance which caused some billing issues with XXXX and instead of providing me notificaiton they sent my account to collections in XX/XX/XXXX. I contacted Medical Data Systems after receiving a phone call and a notice in the mail regarding this account. When I contacted them they stated to me that they purchased the account from XXXX and were trying to collect a debt. My husband contacted XXXX on my behalf and XXXX informed us that they do not sell past due accounts to any company nor do they authiroze any collection agency to post negative remarks on creidt reports. XXXX reviewed the account with my husband and observed that billing errors did exist and they would have to resubmit the blalances to the correect insurance compnay. A dispute was filed with the three credit bureaus to remove Medical Data Systems from my creidt report. Due to new legisaltion purposed by the goverment pertaining to medical bills the collections accounts were removed from my creidt report on the basis that XXXX is still the legal owner of the accounts and that XXXX did not authorize Medical Data Systems to post negative remarks on there behalf. XXXX is still continuing to work on these accounts and the last contact with XXXX took place in XX/XX/XXXX in which the account rep still observed some issues with the billing and submitted all statements to my home address so that the proper appeal could be drafted to complete the billing process. Also XXXX has sent me an application for the XXXX which will take care of any remaining balances that may result from the billing issues which occured almost three years ago. 
After a recent check of my credit report XXXX has illegally resubmitted previously removed credit information back on my credit report. They are fully aware that XXXX still is the legal owner of the account and also XXXX has informed me that any account over two years old has been written off for that corresponding tax year. Medical Data Systems is still claiming that the account was sold to them by XXXX but XXXX has stated that teh account no longer exist and has been written off. XXXX has also stated again that Medical Data Systems has not been authorized to post negative remarks on creidt reports on behalf of XXXX. XXXX stated that the acocunts from XX/XX/XXXX have been charged off and the other remaining balances with them once the billing has been completed will be considered under the financial assistance program.
I sold a house in XXXX, IN back in 2014, all bills were paid in full as part of the property sales agreement. Several months later the Indiana power company sent me a bill for new power consumption. I informed them at the time of the sale of the house and at receipt of the first bill that the house had been sold. NRA Group continually calls me now and refuses to send me proof of debt so I can address the issue.
I am completely disgusted on the lack of communication and attention this file has received. I called today to find out if the value is in as it was completed on XXXX XXXX per the listing agent and I was told by customer services there was just a note in the system as of XXXX XXXX about loan modification. The opt out for the loan mod was even confirmed received by and confirmed by Supervisor XXXX XXXX on XXXX XXXX and XXXX XXXX stated on XXXX XXXX the file was assigned a short sale negotiator. I have had ZERO communications for said negotiator and this file has experienced one delay after another and it is completely unacceptable. The offer and complete packet were submitted over 80 days ago and there has been zero progress. It takes 5 outgoing emails to XXXX XXXX to receive a one sentence vague response. There is no excuse for the level of service that this file has endured.
I filed bankruptcy went to get a van in XX/XX/2015. I had been paying on the vehicle for over a year and XXXX XXXX did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings
I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH  XXXX  AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS
This company who named themselves as XXXX XXXX by phone, but recovery solutions group via email. Started leaving voicemails that should 've been private on my cell phone and the cellphone of someone I 'm close to. Below is the numbers called and a summary of what the agent said. I still have all recordings if needed. 

On XXXX at XXXX and at XXXX stating that I was being contacted from the Clients process division for an order on 2 pending matters. If I wanted to voluntarily resolve the issue to contact their offices. The messages were left on my cellphone and my friends cellphone. 

This company who never left their name again left a voicemail on XXXX, XXXX saying I was going to be served paperwork at my place of residence or employment for failure to respond. Those messages were left on a phone number which is not my number. 


This company left 2 voicemails on XXXX at XXXX XXXX and XXXX XXXX on my cellphone and my friends phone numbers stating your office need to verify my address to handle this matter outside of my county. 
The agent went on to say she could be contacting my Human Resources department, but the client was will to resolve the matter if I called in today.
This prompted me to call into their office while recovering from a XXXX that I had not even a week prior. Only to encounter the rudest person I 've ever spoken to. I told their representative that I had n't gotten any correspondence from their company and asked for an address. The representative refused to give me the address and threatened me with garnishment if I did n't comply and hung up on me when I refused. I called back and talked to XXXX who said she was a manager and she was unprofessional to say the least. She also refused to give me an address and threatened me with garnishment and hung up on me. 

I called back and asked for an address to send a letter requesting this company not call me any more the representatives refused to give it to me and repeatedly hung up on me. I eventually had them email me a settlement offer. Which I replied to asking them not to call me. The letter was sent once I provided them banking information. 

I did n't feel good about the whole thing so I put a stopped payment on the check. This company then calls both my cell and my friends and and left a message saying that a check bounced in their office and I needdd to contact them. Both messages were left on XXXX XXXX, XXXX.
PAYOFF ISSUE : Last Thursday, XXXX, XXXX, 2015 at approximately XXXX XXXX I contacted my mortgage holder Green tree, soon to be XXXX, and requested my payoff in writing on their letterhead to be faxed to a number I provided and attach an E-copy to my account online.. I made this request verbally and again later by E-message through their website. I told them I needed by Tuesday the XXXX to close on the sale of my property. The representative told me I would it have by then. I called back Saturday verified with representative it was in process. By Tuesday the XXXX, I had not received the payoff in writing. I called XXXX who informed me it was taking longer to process. I then spoke to a leader named XXXX XXXX # XXXX who continued to tell me it was in process but could n't commit to when I would have it. This is stopping the sale of my home, the buyer may back out. This an urgent issue. I rescheduled closing for this Friday, but title company must have payoff in writing by Thursday the XXXX.
I received a notification that Miramed Revenue Group at XXXX XXXX XXXX XXXX XXXX, IL XXXX has reported an unknowledge account against me, I have no knowledge of this account, never received NOT 1 bill. So how they ruin someones credit without providing accurate information.Never recieve ANY DOCUMENT about this bill. Thats a violation of the FDCPA/HIPPA. I want a complete COA, DOS,  Itemized Bill within 30 days. I want this deleted and removed from my all 3 credit reporting agencies.. I will Be reporting this company to BBB also.
My mortgage payments are not being reported to any credit bureaus. When I called the lender, they say the payments were not being recorded because the home was never " reaffirmed ''. This is seriously impacting my credit score. I have been through three bankruptcies and have finally bounced back from the XX/XX/2008 financial crisis. However, my home is still severely underwater and not having my on-time mortgage payments recorded for three years is making rebuilding my credit more difficult. I have tried rebuilding with credit cards ; however, that is what got me in trouble in the first place! I just want my mortgage payments reported and I would like for them to be reported retroactively.
I contacted Capital One and they were in agreement that there was numerous charges of $ XXXX.+ charge to a XXXX XXXX in XXXX XXXX , FL. I told them I had never been to XXXX XXXX, FL. They refuse to credit me. I need help. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX
Portfolio is reporting an erroneous debt on my credit file. The debt is not mine and I filed a police report back in 2010. They have never been able to prove to me that the debt is mine, they have nothing signed by me. The debt is past the statute of limitations as well.
This collection agency, FOCUS RM, has placed a debt on my credit report that is not mine. I researched the company. Apparently they are scam artists that place false debts that do not belong, and they have done this to XXXX of people. The debt on my credit report, which has ruined my credit is not mine. I never even used XXXX. Please shut this scam company down!