WillisBack/dataset-financial-user-claim huggingface dataset:
The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/XXXX Notwithstanding that these inquiries are not seen by anyone but me and will not be used in scoring my credit file, the point is that the named companies have neither any legitimate business relationship with me, nor any open collection account with me, and therefore they have no valid reason whatsoever to access my personal credit history. In order to protect my privacy, I demand that access to my personal credit file, via inquiry or any other measure, be granted to only those companies that have a legitimate business relationship with me or have received my prior, express consent to do so. Or, shall I have no alternative but to pursue a class action suit against TRANSUNION in federal court, by reason of reckless disregard for consumer privacy laws?
On XXXX XXXX, 2017 PayPal notified my wife and I via email that there was a {$150.00} payment was in pending for review and should be complete within 72 hours. The payment was sent to our account from a coworker to purchase a retirement gift for another coworker. We have made multiple request to PayPal to complete the review and release the funds by email and by phone. This has been held in pending for nearly two months and no progress or updates. Please help us with this hold up.
I applied with a credit worthy co signer for a XXXX loan at XXXX XXXX. My loan was denied when I received the letter of denial reason it stated Bankrupcy on credit report and aXXXX credit score. I pulled my report and as I already know I have no negative public record and my credit score is not what they reported. I filed a complaint with Equifax and XXXX. But XXXX XXXX refuses to accept ownership of the information which resulted in my denial. They also approved my husband but he too got a letter with the same denial but was approved too after the fact. We are both customers at XXXX XXXX. I feel that it is discrmination.
Believe it or not, CFPB helped me resolve issues regarding JP Morgan Chase two years or so past. I had confirmed with the then branch manager that there was a XXXX balance as I closed each account. However, later, Chase hit me with fees on two accounts -- after CFPB intervened and Chase closed out my accounts with XXXX  balances. Once I swiped with XXXX XXXX XX/XX/2017, XXXX XXXX ACH or sent my {$640.00} to a closed account at Chase, rather than to my XXXX XXXX XXXX  account opened with XXXX XXXX. Each time I provided emails with letters confirming no ACH deposit had come in from XXXX XXXX to either Chase or XXXX XXXX, XXXX XXXX made other excuses such as precise wording from the branch managers. Chase 's branch manager checked and found nothing just as XXXX XXXX XXXX 's manager. 
Today, XX/XX/2017, I got lucky. A really concerned XXXX XXXX rep. assisted me with an email with Chase 's ACH contact phone number and instructions on who to ask for. Well, the first phone number of XXXX was a robot. The second number of XXXX was to Chase 's dept. of ACH on closed account. XXXX XXXX, XXXX answered but refused allowing me to speak directly to the ACH dept. She proudly said my {$640.00} had been split between two closed accounts ending XXXX on XX/XX/2017 and XXXX. She victoriously said {$350.00} applied to XXXX and {$290.00} applied to XXXX. It was futile explaining Chase was in error.
I contacted by phone, XXXX XXXX XXXX # XXXX out of XXXX, NC on XX/XX/2018 Talked to XXXX ( recorded ) after I found out that Company placed a collections for {$1100.00} for a XXXX   Bill on my credit reports. I let her know that this was not my debt/account. I have no contract with XXXX. Please send me written proof ( copy of contract ) also to remove it from my credit report. I was told she would contact me later after letting her supervisor know what was going on. I heard nothing else from them. Today ( XXXX XX/XX/2018 ) I received from a new collections group, XXXX XXXX XXXX ( ERC ) out of XXXX, FL. I called and talked to XXXX ( again Recorded ) I explained again that this was not my account, but she didn't want to hear that, she told me they collect the money. The amount was for {$1100.00} for the XXXX account. I again asked this company to show proof. Its not in her wheelhouse they just collect. She wasn't going to argue basically its my problem. Me asking how you think I should give you money I don't owe is arguing I guess, instead of trying to help me. She said " we will report it to the Credit Bureau 's in XX/XX/XXXX '' I think she said on the XXXX. I said its already on my report and she said " Not by us! '' She did tell me how she would send me a fraud paperwork packet and I would need to call the police and get a report and all kinds of things for me to do. How about you showing me proof FIRST. This is not fair to demand my money without proof its owed.

I know that collection Agencies purchase debt to collect from others. They are not verified!!! That is now two different collection companies that have and is now, not verifying the owed debt of of person before destroying their credit.
I opened a credit card dispute for a charge amount of {$2500.00}. for merchant XXXX XXXX XXXX XXXX. The merchant breached my agreement by not providing services listed in the agreement. The NC state bar association is still investigating the attorney for wrong doings. I told Capitol one very clearly that all communication regarding this dispute is to be sent to my Florida address as I am living in Florida for part of the year. Capital one was requesting additional information regarding my dispute but, sent their request by US mail to the WRONG ADDRESS! Once I realized their mistake I called the bank and told them I have the information they needed and they said " it was to late they closed the dispute. '' I explained the dispute was closed in error since the bank send the request for additional information to the wrong address. If I got the letter at the correct address the information they were requesting would have been there on time. 

I was defrauded by the merchant and XXXX by the credit card company ( Capital One ). The case against the merchant is being investigated by the NC state bar association and they suggested I request a dispute until the investigation is complete. Furthermore a state judge dismissed the attorney from representation and issued me another attorney THIS WAS A COURT ORDER! removing the merchant and ordered another attorney. I can't pay for the same service with another merchant that's just wrong! 

The bank didn't care and closed the case and are not willing to re-open the case and make good on their mistake by issuing a credit or a goodwill credit. 

I DO NOT OWE THE {$2500.00} and MASTER CARD WOULD HAVE RESOLVED THE CASE IN MY FAVOR IF CAPITAL ONE PROPERLY HANDLED MY DISPUTE. 

Because of the negligence of Capital One I am requesting they remove the charge of {$2500.00} for their mishandling of my dispute. OR re-open the dispute and let the charge card company make the decision in the mater. 

THIS CHARGE OF {$2500.00} MUST BE REMOVED OR PLACED IN DISPUTE AND ALL INTEREST WAIVED WHILE THE CASE IS PENDING WITH THE NC BAR ASSOCIATION.
I have tried countless times to resolve this issue I called in on, XXXX and spoke to a XXXX at XXXX and we went over how incorrect information was being reported on my credit and I still have not received a updated credit report with this information removed. My date of birth is incorrect I have sent it mail and called and this public record is on my credit that doesnt belong to me. Im not sure how its even placed on my credit when my DOB is not correct. This is bad credit reporting on Equifax.
I notified XXXX XXXX XXXX that I was leaving for a XXXXXXXX XXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with XXXX, the missed payments remain on my credit report.
I have had a Costco XXXX XXXX credit card for over 8 years and have always been on the automatic full payment method from my bank checking account. When Costco changed to Citi Visa credit cards I was issued a new Visa card. The first statement from Citi Visa is charging me {$72.00} interest and saying the previous balance was not paid in full. The statement ( attached ) shows a previous balance of {$4400.00} and a autopay payment of $ {$4300.00} leaving an unpaid balance of {$120.00}. Because I 've been enrolled in autopay for many years I do n't believe this is possible. I spoke with a representative at Citi Visa who acknowledged the previous payment and attempted to credit me for the interest charge but was " not authorized '' to do so. I asked to be transferred to someone who had that authority but was told I had to specify who I wanted to speak with - impossible since I do n't know anyone there! I asked for her supervisor and was told that a supervisor would call me within 24 hours. That was 4 days ago so I called again today. This representative said she was unable to do anything and would have a manager call me. I have no confidence in that and therefore I am filing this formal complaint.
On XXXX XXXX, 2015 I submitted a {$300.00} payment to Synchrony Bank to bring my balance on a line of credit that they hold for Amazon.Com. Following the payments posting, this bank decreased my original credit line from {$700.00} to {$390.00} which was {$0.00} more than the remaining balance. When I called to find why my account was showing a {$0.00} amount of credit, I was informed that the bank had reduced my credit line not based on my payment history with them but because they had reviewed my credit history and it was based on that. I have had this account open for almost two years and have never been behind on my payments with them. I did not request a increase of the credit line therefore they had no right to run my credit for any reason. I feel this is a bank charging high rates on consumers who feel that they can just do whatever they like doing and that there is no one who can do anything about it. This reduction in credit has a adverse effective on my overall credit score at a time when my wife and I are trying to purchase our first home. This is not right!
I SENT A LETTER ASKING FOR VALIDATION TO THE CREDIT REPORTING COMPANY AND THEIR FINAL ANSWER WAS ALL INFO IS REPORTING VERIFIED BUT THATS NOT WHAT I SAID I ASKED FOR VALIDATION. THESE ACCOUNTS HAS NO PAYMENT HISTORY EXCEPT FOR THE MONTH I ASKED FOR VALIDATION SO THEY IN RETURN REPORTED PAYMENT OK BUT HOW? ACCOUNT BEEN CLOSED FOR TEN YEARS AND THAT ALSO HAS THE ACCOUNT NOW REPORTING CURRENT. SO IF THE ACCOUNT IS GOING TO REPORT CURRENT WHY THEY DO ADD THE CORRECT ACCOUNT AGE? ITS XXXX ACCOUNTS WITH XXXX XXXX, XXXX WITH XXXX XXXX, XXXX WITH XXXX AND XXXX WITH XXXX XXXX BUT ALL THESE ACCOUNTS WAS CONSOLIDATED OVER 9 YRS AGO
This email relates to PayPal Credit. I have held a traditional PayPal account for some time. Last month, I paid a bill to XXXX and was offered Paypal as a payment method. With a positive balance in my account, I was under the impression I was paying from my balance. 

However, 3 weeks later I received a statement and terms and conditions for something called PayPal Credit. This was completely new to me, and not a product XXXX either wanted or was clear I had signed up for. 

I called PayPal this evening to understand what this was, and was purely told it is something I had signed up for and terms and conditions can be found online. The attendant informed me that this had made a hard pull on my credit history, which is most concerning. I have worked hard to build a secure positive credit history and take great efforts to keep this as a true reflection of my credit history. 

I 've now paid the balance in full - to prevent any charges - but remain very disappointed and entirely misled by this product offered by PayPal. I am a XXXX year old XXXX and feel I am astute and thorough when I manage my money but this has totally shocked me.
I DISPUTED A BANKRUPTCY LISTED ON MY CREDIT REPORT.I RECIEVED A RESPONSE BACK FROM EQUIFAX STATING THAT THE LISTING WAS VERIFIED BY THE BANKRUPTCY COURT. I CONTACTED THE COURT AND SPOKE WITH THE COURT CLERK, AND HE INFORMED ME THAT THE COURT DOES NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF. I HAVE A LETTER FROM THE COURT STATING SUCH .EQUIFAX HAS YET TO SUPPLY ANY EVIDENCE OF VERIFICATION. EQUIFAX IS IN VIOLATION OF NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT .THE LISTED BANKRUPTCY ( XXXX ) IS THE ITEM IN QUESTION AND MUST BE REMOVED.
The creditor refused to respond to my request of them to validate the debt pursuant to the FDCPA 15 USC 1692g Sec 809 XXXX b ). 

The request I made was on XXXX XXXX, 2015, and to date they have refused to respond. Even worse, they placed this account for collection on my XXXX Credit report. These bully tactics on the part of this creditor are a clear violation of the FCRA & the FDCPA, and serve to only defame my character & ruin my otherwise good name. 

The request I sent was sent " Registered, Return Receipt '' and you 'll notice that I have proof that the creditor not only received my letter, but they read it & still refused to respond. 

Please help. I have no where else to turn for help.
Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ).

After reviewing my credit report I have found that XXXX XXXX purchased a debt from XXXX XXXX that I do not owe. Midland is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies.
XXXX failed to initiate foreclosure and failed to provide any loss mitigation options in the first 6 months following delinquency in violation of 24 CFR 203.355 ( see also MORTGAGEE LETTER 2013-39 ). XXXX disregarded their duty to comply with loss mitigation procedures. According to HUD guidelines, mortgagees must utilize a Loss Mitigation Option or initiate foreclosure within six months of the date of default. XXXX initiated foreclosure XXXX XX/XX/XXXX ( ~1 year, 7 months after default ). 

XXXX did not abide by the XXXX XXXX XXXX as set forth in MORTGAGEE LETTER XXXX. XXXX deliberately stalled and hampered loss mitigation efforts. Between the months of XX/XX/XXXX and XX/XX/XXXX, the mortgagor was the only initiator of communication over the phone. During this 1 year 2 month period, XXXX did not initiate calls or return calls, made false and confusing statements over the phone, did not offer loss mitigation options, and did not report the correct amount due or balance on account statements. XXXX first offered loss mitigation options in their XXXX XX/XX/XXXX notice of intention to foreclose. At this time, a loan workout application was started and loss mitigation options were first considered and later denied. 

Because XXXX violated 24 CFR 203.355 in multiple ways, loss mitigation efforts made by the borrower were rendered completely hopeless and impossible and allowed the account to fall into arrears to an insurmountable amount. 

I am filing complaints with these agencies that provide oversight to XXXX to report the multiple violations of the Code of Federal Regulations. I am also trying to raise awareness and sound the alarm to a potential and likely scam by XXXX to target certain at-risk mortgagors, whom may already be experiencing financial difficulties, in order to push them into hopeless situations, to strip them of their protections under the Real Estate Settlement Procedures Act, and to defraud them. If XXXX had taken the appropriate action at the appropriate time, and followed the law, I would have been able to cure the default. But as with any consumer that already has burdensome debt, because XXXX ignored my many attempts to seek loss mitigation for over a year, they pushed me into an insurmountable financial situation.
I have filed an attorney general complaint about several issues and misuse of handling grant money with XXXX College was never taken care of. I never received any grant money and did not see credits posted on their journal of showing it offset charges towards receiving them and crediting the amount. While transferring to schools back in XXXX XXXX to University of XXXX, a balance of XXXX was remaining on my account with XXXX College. This amount could of been grants that were sent back, but did not get a clear understanding of the amount showing on the journal when asking what happened to my grant money? I never received a check for my grant money while attending XXXX in XXXX and XXXX. Also, University of XXXX provided me a letter of receiving a grant for XXXX and I did not receive this from them also. This letter is attached for XXXX. 

XXXX XXXX XXXX XXXX
I pay student loans to American Education Services located at this address : ( American Education Services, XXXX. XXXX XXXX, XXXX, PA XXXX ). They bought my loan from another company. I am supposed to have a fixed interest rate at 4.5 % ( so long as I am enrolled in auto pay which I was - and never took myself out of it ). They took me out of it and increased my rate to 4.75 %. I called in early XXXX and the man claimed they did this because I re-enrolled in school and the government automatically puts me on deferment so they took me out of all this. 1. ) I paid cash to go to school so they did not need this info 2. ) they never once contacted me about this, just changed everything without my permission 3. ) promised to change it back, it still has not been changed. I called back in mid XXXX asking about this and they did not do anything, even after promising to do so. 4. ) In the past, I received verbal promises from this company to not change my account without contacting me first, they continue to do so. 

Last year, XX/XX/XXXX, the company went on my account and changed the amount I previously asked them about. They just changed it, no verbal or email from me, they took initiative and lowered my monthly payments ( I pay ahead so I can eliminate debt ). The company claimed, on numerous occasions that extra payments go to debt so I pay extra. It took me two months to fix this. 

I have gone through XXXX but nothing has been resolved, they simply contact the XXXX saying it's under review. For two straight months? 

I have attached letters they have sent me. They originally also sent letters in early XXXX, I've noticed they are no long in my inbox but I have hard copies at home. I have called around 1/8 and additionally in mid XXXX as well. Both people I talked to assured me everything would be fixed and it still is not.
Explained the amount is not the Companies debt. Also advised to contact XXXX XXXX Attorney.
Equifax data breach. They ( equifax ) say I may have been impacted, so my SSN, DL, DOB, and potentially credit cards may be up for sale and essentially public.
We have an account with Wells Fargo from the company that installed our new air conditioning system. It has set equal payments and no interest. Back in XXXX my payment was five days late because of the way our checks fell, and I completely forgot about it. When I logged in to pay the bill I was told that I had to pay a double payment. One for XXXX and one for XXXX plus a {$27.00} late fee. Not a big deal, I was late. I get that, it happens. Keep in mind I was FIVE days late. Two weeks after the double payment I get a notice that I havent paid my bill for the month of XXXX. Another late fee has been posted to the account. When I call customer service they tell me it is because I paid early and the double payment applied to XXXX billing cycle. I was told that they had to put in a request to split the payment to cover both XXXX and XXXX, and to wait till the normal due date to pay XXXX bill. XXXX due date rolls around, I pay what I was told when I was told just like normal. By now Ive got multiple late fees and interest is not being added to my interest free account. I called again last week, I was sent straight to collections, and was told that they would put in ANOTHER request to have the double payment split. Earlier this week everything on the account was put back to normal. But they have reported my account as 30 days late twice to the credit bureau, causing my score to drop significantly
I have a mortgage loan through Wells Fargo. I will admit there have been plenty of times I have been behind on my mortgage and this mortgage company have been very patient ; however, I want to begin a fresh new start by providing principal payments when I make a mortgage payment. On XX/XX/ I paid XXXX mortgage. On XX/XX/ I went into a Wells Fargo branch to make a {$500.00} cash payment ; I attached proof of this to this email request. I have called wells Fargo three times requesting a revised account summary with the principal payment showing on my account summary for my personal proof ; for some unknown reason a new account summary have not been created. The most recent account summary statement is dated XX/XX/. My most recent calls to them was today XX/XX/. Would you please assist me in trying to obtain a new revised account summary for me. Thank you.
I filed for bankruptcy ( Ch. XXXX ) on XXXX XXXX, 2015. I listed Synchrony Bank Master Card as a debtor. The bank did not appear at any Trustee meetings. The bankruptcy was discharged in XXXX, 2015. Despite my filing for bankruptcy, I have continued to receive statements, the account has continued to accrue interest and other fees for nonpayment. I have informed Synchrony Bank on XXXX separate occasions that I should not be receiving statements or interest and fees charges, but they continue to send their invoices. Today, I called again, and although the debt has been discharged in bankruptcy court, the bank refuses to acknowledge the discharge, and I have no doubt I will continue to receive bills from them.