WillisBack/dataset-financial-user-claim huggingface dataset:
Immediate credit recovery which is contracted through department of education is attempting to collect debts of the wrong amount. A garnishment was sent to my employer with a specified amount to be garnished. After reviewing the final payoff letter mailed it appears that Immediate credit recovery is reporting incorrectly the amount paid. I had a garnishment in the amount of XXXX sent to my employer. I have since paid XXXX. This would leave a balance of XXXX. Immediate credit recovery continue to report that a current owed amount as XXXX. The website XXXX shows a current total debt balance of XXXX. When speak with immediate credit recovery they stated that balance is not correct. At no point on garnishment paperwork did immediate credit recovery state the balance may change based on interest. No disclosures of interest or balance adjustments for collection fees, ect. This should all be detailed for the employers and for the employees whos wages are being garnished. I wish for an update for requirements of these agencies to disclose balance and debt amount changes due from collection fees and/or interest. Instead of falsely reporting a set amount and making it extremely difficult to find out the correct balance or access correct payment information.
I was trying to use my Paypal Prepaid Debit Card for the very first time. I could not withdraw the cash even though I knew I had put money on the card. I checked balance several times since I was confused. 

I later found out that I was charged a fee to check balance, in fact, I was charged the SAME fee several times in a row! And an ATM Transaction Decline Fee two times. All this within the space of several minutes. 

Even if a fee is charged in such a situation, it is not right to charge the same one several times in the space of a few seconds/minutes!!
XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint Transunion, XXXX Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to Transunion, XXXX regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XX/XX/2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX TN XXXX was undeliverable, which I may known to the three credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the three credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, XXXX
On XX/XX/2018 I called Bank of America to pay off and close my credit card account. I payed over the phone using a checking account from another bank. I paid Bank of America my total balance of {$5000.00}. I asked to have the account closed, and asked the person I was speaking with 3 times if this would then conclude my business with Bank of America. The person I was speaking with advised me that even though the account was closed if I had any recurring charges ( ie XXXX account ect. ) there was " a chance '' ( her words ) that those charges would post to the account and I would be responsible for them. Because I don't have any recurring billing accounts linked to this credit card account, I said " ok '' and assumed that was that. 

Yesterday XX/XX/2018 I received a bill from Bank of America for {$27.00}. I called Bank of America using the phone number at the bottom of the bill ( which turned out to be customer service for checking accounts ) and eventually spoke to a person that told me that the {$27.00} was interest accrued after I closed the account. Because there where days remaining on the XX/XX/2018 billing cycle after the day I paid off my account and closed it, I was still charged interest on the closed account. 

I believe that Bank of America is purposefully murky and misleading as to their practices involving personal credit cards ( as further illustrated by listing the wrong departments customer service phone number on a credit card bill ). I believe that I should not be held responsible for the interest accrued after I closed my account, and that the bank is smart enough to prorate the remains days of interest when a customer attempts to close their account on a day that does not coincide with the start or end of a billing cycle. Even though it's only {$27.00}, I am outraged that the bank has seen fit to charge me XXXX cent after paying off my account completely.
I have specifically requested Asset Acceptance LLC to provide proof of debt owed, they have not provided any type of proof regarding this debt.
For the past year a debt collector has been calling me from numbers that change every 2 or 3 days. The name always shows up as " V '' followed by random numbers. They never leave a message. The one time that I answered the telephone the caller identified himself as a debt collector for a payday loan place. That loan occurred around XX/XX/2016. Attempts to block these calls fail because the name and number calling me changes every 2 or 3 days! The numbers calling me include : XXXX ; XXXX ; and XXXX.
XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX   XXXX   XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and  62  3 ( a ) ( 6 ) Under section 605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
Please note that the dispute case number is XXXX. 
In XX/XX/2018, a service was paid for using PayPal for services to be expected from Mrs. XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX. However, this person did not complete the service. The protection of PayPal in an instance like this was the only reason for using such a payment method. PayPal is aiding the seller of a service, rather than protecting the consumer who used hard earned money to pay for what is sought to be a scam. Mrs. XXXX was allowed to keep the money for a service that she advertises as organizing with PayPal as her preferred method of payment. I opened a dispute with PayPal and they denied my case and decided in the favor of XXXX XXXX. There isn't too much to report and confuse things. It's simple XXXX XXXX charged me for a service using PayPal and she did not fulfill the commitment, therefore, I the consumer are titled to my money back.
Immediately following my successful Chapter XXXX discharge, I wrote a letter and provided a hard copy of my chapter XXXX information. This information included, Discharge Letter, Final Cure of my XXXX XXXX XXXX  Debt, all creditors that had and had not responded to the trustee at the meeting of creditors. All three credit reporting agencies received this document in XXXX 2017, however when I attempt to apply for credit the main reason for denial is " SERIOUS DELINQUENCY ON ACCOUNTS ''. The other issues are because of too many inquiries ( Which is correct ) and derogatory public information. ( Chapter XXXX discharge is also correct. ) XXXX XXXX XXXX XXXX is still not being reported on any of my credit reports and they have also been contacted by mail, email and phone. I have been making on time payments to this company and continue to make payments. Looking at the denial letter and going to the credit reporting agencies does not give me the information that is showing the reason for denial. There is NO DELINQUENT ACCOUNT information for me to view or dispute. But I am being dinged for this very reason.
I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXI do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports
This company insist on calling and send I my emails asking me do I still want my vehicle when I am noteven 30 days late. I have saved voicemails and emails as proof that even speaking with Prestige Financial reps about payment arrangements, they still insist in calling and e-mailing because they want more information from me or someone forgot to note the account.
I have an item for XXXX XXXX on my credit bureau report. 
I recently disputed this account with Equifax, and the information was reported as verified and accurate. I 'm sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 
If they were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that they send me an explanation of the methods used, and a description of the records reviewed, when they conducted the investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I would also like to know the person whom they spoke with if this was done over the phone. I am attaching information from another credit bureau, showing this same debt was included in a bankruptcy that was discharged XX/XX/2010
There are grossly inaccurate items on my credit file. Equifax has had more than 30 days to correct these inaccurate items or at least verify and show me proof neither of those things have happened. This is an attempt to correct my credit report through my own due diligence. Please do not respond and say this is not me, I am recording all correspondence and will use these stall tactics in small claims they do not comply with the law. Attached is a letter to explain and prove the inaccuracies and my identification to prove who I am.
There are  XXXX  accounts that are reporting 120 days late from  XXXX ,   XXXX   XXXX   XXXX     XXXX   account and   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is  XXXX  reporting this way again this year.
this company has tried to collect a balance for a XXXX i never seen or saw i dont owe this debt i asked for a validation notice and tehy refused to send it
Good morning, I filed a complaint with the BBB informing the company that I a victim of identity theft and the medical does not belong to me. I provided the ID Theft Report from the FTC and other documents. The BBB responded : You have indicated from your Customer Response that you were not satisfied with the Company Answer in your complaint case. Because of this, we have conducted a case review which includes all of the available documentation contained within the Original Complaint, the Company Answer and the Customer Response. <P/>Based on this review, we have determined that the company did not do all that it could have been reasonably been expected or been responsible to do to resolve the issue. This case is being closed and will be reflected in our files as Unresolved. <P/>If you wish to pursue the matter further, you have several options. <P/>1. You may be able to sue in the county Justice of the Peace courts, commonly referred to as Small Claims court. You will need to determine the county in which the company is located and call the county seat for more information. Or, check one of the online search engines to see if your county has a web site, which may provide helpful information on how to file a suit. 2. You may consider hiring an attorney to assist you. If you do not have an attorney, you may call the XXXX XXXX XXXX XXXX XXXX at XXXX for assistance. XXXX. If the company requires a state license from a state agency, you may be able to file a complaint with that agency. If you do not know if a business requires a license, you can access the State of Texas web site State Agency link at XXXX XXXX XXXX to inquire.
Disputed with the company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 per certified mail. It is now XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.
I had a car that I had to give up because of monetary issues.There were no payments ia arrears.I called the financier to come and pick up said vehicle.The car was sold and the remaining funds that were owed have been paid off.I want to know how to get my credit report cleared of this action as a " WRITE-OFF '' transaction! Please respond to this e-mail ASAP!!
I recently pulled a copy of my credit report and noticed that there were several unauthorized HARD inquiries that are damaging my credit score along with incorrect personal information. I reached out to the Bureaus via mail first. I sent them a letter stating that there is information being reported on my report that is false/inaccurate and that it needs to be removed immediately. I attached a copy of driver 's license and social security card to further prove my identity. After waiting several weeks, I received a vague response in the mail stating that they were not going to remove it. I then contacted the CB and had to deal with two reps before I had it escalated to a manager. From there, I explained to the supervisor that there were multiple discrepancies on my report on the personal information side as well as the hard inquiries. I had advised her that I have an XXXX Alert that is set in place so I was confused as to how and why this happened. She advised me that she would remove everything that we found to be wrong ( which was everything that I had wrote in the letter ) and that I should receive a letter in the mail with confirmation for everything we removed on that day. I have yet to receive that notice of deletion in the mail and seen where the CB has reinserted names I 've never been known by, as well as addresses, phone numbers and former employers in which I have never worked for.
I have a XXXX  XXXX of {$600.00} ( XXXX XXXX ). This amount is automatically deducted from paychecks every pay period. FLORIDA XXXX XXXX XXXX reports this account to XXXX. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment XXXX from FLORIDA XXXX for this account, Copy of CHAT Transcript with Florida XXXX substantiating my claims and more. XXXX FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN XXXX DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past XXXX months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the XXXX  if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX XXXX, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With XXXX disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my XXXX XXXX and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to FLORIDA XXXX, COPIES OF XXXX 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT XXXX to FLORIDA XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX. ALL of this information has been provided to the XXXX previously as well. All of this information is VERIFIABLE.
There are addresses on my credit report that are not mine. Please remove the following address as they do not belong to be. I dont even understand how someone elses address could even come on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX  My current address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX
PINNACLE CREDIT SERVICES I asked PINNACLE FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and PINNACLE CREDIT SERVICES is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). PINNACLE has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want PINNACLE CREDIT to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days PINNACLE CREDIT SERVICES did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for PINNACLE CREDIT SERVICES. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants PINNACLE CREDIT SERVICES TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because PINNACLE CREDIT SERVICES says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
PINNACLE CREDIT SERVICES is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer
This issue with this response from Transunion is that they 've already removed partial hard inquiries that were affected by the glitch, they just did n't remove all of them as requested. You ca n't refuse or request documentation when you 've already removed some of them when I placed the phone call with you. Please remove ALL inquiries affected by the glitch! 

-- -- TRANSUNION 'S RESPONSE TO FIRST REQUEST -- Should you have documentary proof that shows you were in fact impacted by this issue, please submit the documentation via mail to XXXX. XXXX XXXX, XXXX, PA XXXX. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. Should you need any additional assistance, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report.
To whom i t may c oncern, I submitted an online dispute with Experian concerning inaccurate information on my credit report on my  XXXX   XXXX   XXXX  account for late payment. They originally responded back stating the information was verified. I called Experian stating I have receipts and for them to update the incorrect information and they requested I upload the documentation. After I upload the documentation, they replied back stating they reviewed the documentation can not use to make changes. I plan to purchase a home this year and having this inaccurate information on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.