WillisBack/dataset-financial-user-claim huggingface dataset:
TODAYS DATE:XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX {$23000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX EF Late Dates : XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's 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 e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've 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 XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't 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 e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't 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 I 'm 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 XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX
Credit Plus misused the access I gave them to my credit reports and over the course of 6 days managed to run my report on 3 additional days for a total of 6 inquiries than what was authorized throughout my home buying process. These excessive inquiries are preventing me from obtaining the credit needed to purchase a vehicle. The only AUTHORIZED inquires were from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The following is a breakdown of the UNAUTHORIZED inquiries : XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX & XXXX  XX/XX/XXXX XXXX After discovering the excessive inquires, I contacted Credit Plus and they provided no relief. I then received a copy of the authorization I signed with my lender which did not say that they would use my credit reports excessively. They did not address the fact that I was disputing inquiries that were not authorized. I am disappointed in the process for which they chose to use my authorized signature to retrieve my credit report on so many unneccessary occasions.
On Sunday XXXX XXXX XXXX I attempted to withdraw money from my PayPal account to my bank. The withdrawal immediately was placed into " pending '' status. After speaking with someone in reference to why I was assured that my money would hit my bank at max 48 hours. On Wednesday XXXX XXXX I contacting PayPal again to figure out why my funds have n't been released. I was hung up on twice! Then after being told that I will get my money whenever hung up on again a third time by a " supervisor ''. PayPal has really put me in a financial bind as I need my money. As of today XXXX XXXX my withdrawal is still in a " pending '' status. I feel helpless and ca n't believe this type of treatment is legal. I 've read several reviews on PayPal and they 've been doing this to poor consumers for years under the guise of " sercurity '' reasons. Total XXXX XXXX  we know you guys are making interest from holding onto people 's money! XXXX
I have had a very difficult time with Ditech. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ditech always seemed to lose my paper work, which I constantly had to re fax. The assigned rep never tried to help me or offer me a modification. She pushed me towards a payment plan or settlement with the back payments and then Ditech back doored me with a sale date. This poor servicing has caused me to file a bankruptcy. Ditech never told me I could not make partial payments while in foreclosure. They completely mislead me.
I have a collection from this agency and another on my credit report, The agency i would be addressing today is AMSHER Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. 2 Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is 1 of the 2 agencies holding me back due to a debt that is in fact not mine ( XXXX XXXX ). I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX years old ), to even sign a contractor.
Company sent me a collection lette r   XXXX   XXXX   XXXX   a nd when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match.  <P/> When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.
XX/XX/2018 : Received email from Wells Fargo indicacting they were sending a new ATM card to me 'as a precautionary measure because your current Wells Fargo ATM card may be at risk for unauthorized transactions. 
I find this extremely curious as I have not used my ATM card at any location other than a Wells Fargo ATM machine. 
When I called in response to receivnig the email, inquirying about which machine in their network was suspect so I could avoid using it I was told they did not have that information. When I asked to be informed when then did have that info I was told they would not do that. 
When I asked about when I should call back they indicated there was no way to know : but this was on their network - one of their machines! Paint me confused and frustrated.
I received a letter in the mail from RMS claiming I owe {$71.00} to XXXX. A principal amount of {$31.00} and " other '' fees totaling {$40.00}. I replied within 30 days with a debt validation request, which was received by RMS on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX labeled " Notice of credit bureau notification '' from RMS stating I had 10 days to fulfill the amount or my information would be reported to credit bureau. At this point, my debt validation letter had not been responded to. I called RMS on XX/XX/XXXX and spoke with XXXX XXXX ( XXXX ) who advised me the account was in dispute and that the documentation I requested was being obtained and my validation letter was received. On XX/XX/XXXX, I received a credit notification ( XXXX ) of a new collection account in the amount of {$71.00} from RMS. I placed a call to RMS at XXXX on XX/XX/XXXX seeking information as to why my debt validation request was not responded to and why the account was reported to the credit bureau. I was told that nobody was available to help me and that I would need to leave a voicemail for " XXXX '' and was promised a call back immediately. At XXXX I placed another call requesting to speak with XXXX. After being connected with XXXX, he confirmed that the account was forwarded to the credit bureau on XX/XX/XXXX, that my debt validation request was received on XX/XX/XXXX, and that a letter was sent to me dated XX/XX/XXXX, acknowledging receipt of my debt validation request. XXXX then asked me if I was willing to pay the principal amount of {$31.00}. In doing so, he would send me a letter saying the debt was satisfied and request that it be removed from my credit report. I declined the offer as I was still unaware of the debt and its validity. I politely asked XXXX for his full name and he declined to help me any further and disconnected the phone call. As of today 's date, I 've never received validation of the debt. I was also asked several times why I do n't remember the bill as it was from just XX/XX/XXXX.
This is in reference to TransUnion , LLC continuing to report an account from XXXX XXXX XXXX on my report that includes inaccurate information, specifically the date the account was opened and the original amount owed. I disputed this information and currently have submitted a re-investigation. The original creditor was XXXX XXXX XXXX , XXXX and the debt was incurred in 2011 for {$510.00}. This inaccurate information is causing adverse actions in terms of credit and employment.
My Discover Card connect to an account I had removed it from. However, it was charged without my knowledge I was thinking I still had a XXXX balance after paying off XX/XX/2016. 
Since I never received my statements from Discover I was n't aware of a balance. Discover let this balance, past due balance and other charges continue to accumulate late fees and finance charges for months without trying to make other contact. Whatever the initial charge was of less than XXXX -dollars from what the CS told me. The bill was now {$260.00} before they finally called my grandmothers house to speak with me about the delinquent account. They let this bill go until it had accumulated over {$200.00} in fee. My grandmother spoke to them in XX/XX/XXXX and paid them the total due. Later she inquired about the charges and was told the charges were late fees and interest since XX/XX/2016. I have no knowledge of what was charged to this account that led to the fee. My grandmother ask them to mail the previous statements this is my first time seeing any of this. They sent nothing showing me the initial charges. My mail for this now goes to my grandmothers address.
Had a XXXX XXXX account that paid XX/XX/XXXX out of closing that was settled thru XXXX and was payed directly to XXXX XXXX and pinnacle credit ended with my payment and sold the account after it was paid off to first national collection on XX/XX/XXXX. I have all the paperwork to send to confirm my complaint. XXXX refuses to talk to me after many calls to them. Please help me settle this problem. ThankYou XXXX XXXX XXXX XXXX XXXX
mb financial reported 2 times 30 day lates on my credit report for the months when I was NOT late, had an auto pay and overpaid where they had to send me a refund in XX/XX/XXXX for the overpayment. but yet they are refusing to remove the 30 day lates reported for XX/XX/2015 and XX/XX/2015 which were NOT my fault but a failure on MB financial end to property set up my auto deduction and process payments, applying them to the correct account instead of sending me a refund for overpayment. see letters received and my responce to them attached
I WAS IN THE HOSPITAL AND OUT OF WORK FOR 3 MONTHS. I REACH OUT TO XXXX XXXX  FOR ASSISTANCE. THEY ONLY DEFERRED 1 MONTH. I HAVE NEVER BEEN LATE FOR 31 MONTHS. I HAVE BEEN PAYING ON A 18+PERCENT LOAN RATE. THIS CAR HAS BEEN PAID FOR. I'M SEEKING RELIEF FROM MY HARDSHIP AND LIKE AN OPPORTUNITY TO BRING THE LOAN.
The first point was A law firm called the " filing firm '' called to attempt to collect a debt. The person that called was a female first using my voicemail, claiming to be someone called ramerez. The message also concludes that this call is for XXXX XXXX XXXX or his attorney, stating that we have been named in a lawsuit, the first name is also inaudible. The person answering the phone claims to be a person that is allowed to handle the case, because there attorneys are in a meeting at the time you call. At approx XXXX and then goes into a large amount of money for the debt, claiming to owe {$1000.00} and then waits to see what you have to say. 

The second point Stated that " normally your type of accounts are unheard of in our offices and we can give you a deal for aprox {$540.00} an awaited agreement after claiming no money was available to pay. The third point was no conformation of or security questions to show that he had gained old debt by financial or by professioan. The person also stated that after calling him a possible scam and seemingly throwing his arms up that he made the statement it 's people like you that cause a bad economy and you should pay your debt. After stating I would not give him payment and being threated to take me to court, and that I was in trouble with the FDIC and was sued, while then also stating that I was named in a lawsuit, by US BANK. He seemed to have my social security number and was pleased or content. 

The conclusion concerns the professionalism and the handling of his case, Did not believe that he was using security measures by confirming my identity, and just asking for money, and realizing that I was not scared of him using a threat lastly, to be sued, he hung up.
Repeated harrassing phone calls from this number XXXX Asking how to locate XXXX XXXX. These same harassing calls were also spread to my family and friends. They were actually for my deceased wife. This company continues to harass myself and family over a debt that was discharged due to death. Here estate is closed a matter of public record. 
After contacting a member of their customer service department she accused me of lying about this. This company is beyond irritating!
Dear XXXX, I was wondering whether you can help me with my credit card issue with Barclay. 

I have a Barclay arrival plus credit card and paid {$89.00} anual fee for that card. In XXXX, the chip in the card was malfunctioning and I contacted Barclay for a replacement. I got a new card in early XXXX. Before I actually used this card, I received a letter on XXXX/XXXX/2016 stating that my account was closed due to account history. 

Please help. 

1 ) Refund the card fee : Barclay shall refund me the fee since the account was closed and no more service provided. 

2 ) Honor the bonus : I have points balance in my account ( equal to appx. {$180.00} ). I demand those money back
Have submitted numerous request via mail and through online portal regarding a collection account from XXXX XXXX XXXX XXXX, it shows no balance on the account and that the account is closed. When contacting the agency they state there is no record of this account. This account does not belong to me and needs to be removed, it does not show on any other report but with equifax. They never respond to my disputes which the last one was sent on XX/XX/18 & XX/XX/18 which a response was never received. Also included on that dispute was XXXX XXXX XXXX, and XXXX XXXX which they refuse to acknowledge my disputes. I have attached the dispute sent.
I have completed a deed in lieu of foreclosure with Ditech. I completed all the requirements and received a check through cash for keys. All the paperwork has been signed and I have contacted the attorney in charge who states the deed in lieu has been filed and is entirely complete. Although this deed in lieu paperwork was completed XX/XX/2016, they are once again harassing me with letters and phone calls regarding this debt. I have explained to them that the deed in lieu has been completed ( obviously they should know this ... ) and I have a deficiency waiver agreement I received from them. I have told several people who have called me from ditech that this matter is settled and they should not be contacting me. Nobody has followed up and they continue to send me letters, bills, and calls. I recently received a certified letter regarding default on this loan and demanding payment.
I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection Thank You
XXXX came to the XXXX I work at and I wasn't there. The owner told him where I lived so he came there and i told him I would come talk to him. I did and we refinanced the loan. The owner of the XXXX  told me she didn't like him coming or calling her so I blocked him from her phone. Both XXXX  personal cell and business phones. I got behind on both loans again and he came back to the XXXX while we had customers and sat in the waiting area and I had a customer so I ask him to step outside. I told him not to ever come to my job again. It was embarrassing to me and the owner. He threatened to take my car even though my loan isn't thru him. I had been asking him for a year to combine both loans so I would have 1 payment instead of having late charges on both loans and refinance charges on 2 loans. He finally said they would do it. So i told him that my lawyer and i would come talk to him. He told me i didn't need my lawyer for this. And he would lower my interest rate and all kind of lies. I know a lady personally that was the manager there and when I told her this she said the rate is automatically computed in and can not be changed by anyone. ( I'm also told that when they refinance your loan they keep the difference in the early payoff amount and the actual amount. ) I ended up working the day I told him I would come in. My electric and water bills had to be paid. He came back in the XXXX a month or so later and we had several customers again so I sent him a text and told him I couldn't talk to him bc I had customers and I would be done at a certain time and would come talk to him. He told me hee want there to talk to me anyway and went to the owner and told her he would like to talk to her and his number had been blocked and that she needed to call him. And gave her a card. I ask him why he needed to talk to her and he ignored me. I told her to throw the card away she didn't need to say anything to him ... I contacted a lawyer and she told me he was violating my rights add I could sue them but I let it go. I've started working for the XXXX XXXX and now they are threatening to garnish my wages and I'm within my 90 days and cam be fired for any reason. I need them to stop harassing me. Please tell me what to do. I do have the messages from XXXX and witness to all of this.
Credit Collection Services is reporting a medical collection on my account from  XXXX   XXXX  in the amount of $  XXXX  {$2500.00} with a status date of  XXXX / XXXX / XXXX  and a date of first delinquency in  XXXX . This is inaccurate as it should have been filed with my full coverage medical insurance in  XXXX . I paid a co-pay at the time of the visit, as well. The representative from Credit Collection Services told me he did not have to provide me with a copy of the information showing this is a valid debt. I also called  XXXX  and they said that it would have been filed with insurance and did not have any information on this debt. Also, at the time of the hospital visit, I was told I could pay {$350.00} to not have this filed with insurance and there would be no additional bill OR I could have them file with my insurance. I chose to file with my insurance. This information is grossly inaccurate! As well, is n't the representative supposed to provide validation of the debt instead of telling me that he does n't have validation and is n't required to provide it? This is either an issue with  XXXX   XXXX  's billing/claims department or the insurance company and no one will resolve it!
On or about XX/XX/XXXX, I called a local XXXX location ( XXXX XXXX, FL ) to inquire about their financing procedures. I had previously purchased a car from XXXX in Illinois in XX/XX/XXXX and it was a pleasant experience so I wanted to see what was available from them in Florida. I called the local dealership and was connected to a salesman and I explained XXXX him that not would not be ready to purchase a vehicle for about 6 months but I wanted to know what I might expect. He told me I needed to go online to their website and give my information to get me into their system so his very experienced manager could give me some information on qualifications. He promised no hard credit pulls and said they do soft pulls every day to somewhat pre-qualify potential buyers. HE LIED!!!! 

In XX/XX/XXXX, I was ready to purchase a car, and when applying for financing I was blown away when I found out that XXXX made numerous Hard Pulls in XX/XX/XXXX of that year. I called XXXX immediately and the salesman was no longer employed by them, but I did buy a car from another dealer at that time as stated and easily proven. 

The following is a list from all three credit bureaus : XXXX  : XXXX/XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX  : XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 

It has been over a year now that I have been disputing the numerous hard credit pulls from XXXX- XXXX XXXX that still remain on all 3 major  credit bureau agencies in my name. Countless calls to the credit bureaus, ( XXXX, XXXX and XXXX ) that will not allow me to dispute these inquiries, as that can only be done by the company that pulled them ... XXXX. 
I have also called some of the financial institutions XXXX used including Capital One Auto Finance, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These lenders have told me the same as the credit bureaus, that only the company that pulled them in error can remove them ( XXXX ). 
I have called XXXX literally dozens of times since XX/XX/XXXX.  Despite these many calls and many hours with the dealership and all the way up the ladder to corporate, these hard pulls still remain today and hurt my credit appearance and scores on ALL 3 credit agencies. 
I finally got connected to XXXX XXXX, a Credit Executive at XXXX Corporate who promised to help me end this nightmare and clear things up back in early XX/XX/XXXX. I have signed and returned the document they provided to me 4 times by fax. I followed up numerous times to their office and they swore it was being corrected. 

To date, nothing has been done.