WillisBack/dataset-financial-user-claim huggingface dataset:
Good evening, To whom it may concern, I 've reached out to all   XXXX   credit bureaus in regards to a large amount of inquiries being reported on my report over the course of the last 3 years. While me and my father share same common name   XXXX   XXXX   I do know and have acknowledge with him that some of his inquiries are showing up on my report. After speaking with the bureaus about the hard inquiries seeking a quick and calm resolution to the matter their customer service would not help and take care of the negative inquiries reporting to my credit report. I 've as well reached out to the individual companies via phone and mail in regards to the matter and no one has yet to provide me with a solution. We all know the impact that this can have on a credit report and these matters are important to me to the point where I feel as if i 'm became a victim of one of the most greatest crimes today ( Identity Theft ). Tho me and my father share same common name   XXXX   XXXX    our identity is not only separated by middle name yet social security number as well. The list of the inquiries are listed below.
  XXXX   XXXX   Date Filed XX/XX/XXXX  Type All Banks - non specific Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed XX/XX/XXXX  Type Finance Companies - non specific Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Auto Financing Companies Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Bank Credit Cards Phone Number Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Date Filed XX/XX/XXXX  Type Automobile Dealers, Used Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Auto Financing Companies Phone Number (  XXXX  )   XXXX    Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type All Banks - non specific Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Automobile Dealers, New Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  Date Filed  XX/XX/XXXX  Type Sales Financing Company Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Tenant Screeners ( Reseller ) Phone Number (  XXXX  )   XXXX    Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX Type Tenant Screeners ( Reseller ) Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX     XXXX   Date Filed XX/XX/XXXX  Type All Banks - non specific Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Personal Loan Companies Phone Number (  XXXX  )   XXXX    Addres  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I received a call that I owed for a membership from First credit services. The membership was was closed out on XX/XX/XXXX and I even paid for XX/XX/XXXX as I was told XX/XX/XXXX payment could not be cancelled. I informed the supervisor at XXXX XXXX in XX/XX/XXXX. I was told to mail a letter which I did on XX/XX/XXXXand received no response. I sent a certified letter on XX/XX/XXXX and still have not received a response. This account was paid in full and closed out west n XX/XX/XXXX. I do not owe this debt.
On XX/XX/XXXX I submitted a dispute to Transunion through XXXX XXXX for an itme on my report. Note that at the same time I also submitted the same dispute to XXXX and XXXX and by today, XX/XX/XXXX both of those agencies have long since investigated the item and removed it from my report. 
I received an email confirmation that the dispute was submitted to Transunion on XX/XX/XXXX and also a confirmation along with a file number appears in my XXXX XXXX account. 
When I had still not heard from Transunion I tried calling to follow up. Transunion denies that I filed the dispute despite my proof and the fact that the other agencies did receive it and remove it. Not only did they deny that I had disputed the item on XX/XX/XXXX they gave me the run around as to what I was doing and were rude and unhelpful. 
The law states that they have 30 days to address the dispute which they did not do and despite the fact that I have proof of submission they refuse to help me. XXXX did finally agree to resubmit after arguing in cicrcles with me on the phone for over an hour and talking but that is setting the clock further along and is not what they are legally obligated to do.
I have an account with Wells Fargo which can not be closed and the reason is the company will not answer calls from me when trying to close this account. I have been trying for several months and have decided they are doing it deliberately. Now They say I am overdraft but I shouldn't be, as I had no option to close the account in XXXX, OK as there are no locations here.
I am a member of USAA since XX/XX/XXXXand currently my daughter and I have a checking account together for her college payments. On XX/XX/XXXX a transfer in the amount of {$660.00} was made from her USAA college investment account to her USAA checking account, and although that transfer was made internally between USAA accounts, the funds were placed on hold until XX/XX/XXXX and treated as an external transfer. I contacted USAA on XX/XX/XXXX to request funds to be manually released, since it was an internal transfer, and asked for a manager or supervisor in checking, but was connected to a member of the Executive Resolutions Team ( I was later told that his employee number is XXXX ). He advised me that although he had the authority to release those funds, he wouldn't do it, because although investments are offered by USAA as a USAA product, those accounts are third party accounts and USAA member 's do not have knowledge that their college investment accounts are a third party product. We have made several transfers from my daughter 's college investment account to her checking account both with USAA on the past two years and this is the first time a hold is placed and representatives are refusing to remove the release on funds, although they are fully aware that this is an internal transfer and no hold should be placed. Also, I want to bring to the attention that members of USAA Executive Resolutions Team come across as forceful and most times unwilling to resolve issues that requires immediate attention.
I had a credit card through HSBC. I was paying on it, then I was taken off of work because of a XXXX in car accident. I had XXXX, then they found other injuries and medical problems. I have since tried to get back on my feet but still have problems. I have since tried to pay and in the last 2 months have paid well over {$100.00} toward this debt, receiving letters back from the collection agency thanking me for my payment.Copies of these letters are enclosed. 

I have continually asked for the summons I was served with to be dropped because it would ruin my credit and I had made honest attempts to pay. I was ignored. I have a lot of comprehension problems. Because of this, the company has my permission to also communicate with my parents with this debt. But I preferred to do all of this by writing so we can have the information in writing. 

The letters I have got thanking me for my payments have mentioned in the left corner " HSBC '' company, yet I am told they no longer have this account. 

I have been making several attempts to pay my debt.Again, I have been ignored and was now served with a judgement that has now ruined my credit.
American Express ( AMEX ) violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the AMEX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

AMEX assigned the disputed {$35000.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to XXXX XXXX XXXX demanding a VALIDATION OF DEBT. I never received any validation of debt from AMEX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX sued me using the debt collector firm. XXXX XXXX XXXX XXXX, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX AMEX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is XXXX which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

AMEX and XXXX violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. All our letters were mailed Certified Mail. I do not owe AMEX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.
MyGreatLakes lender keeps inappropriately allocating my payments. Every month I make the minimum payment due plus an excess amount and I ask them to allocate the excess amount 100 % to the 'unpaid principle balance ' of a sub loan that Ive chosen. Instead they continue to NOT do this and place the excess amount towards my next due payment, thus delaying when I have to make the next scheduled payment and failing it apply it directly towards the 'Unpaid Principle Amount. ' When I then talk to them on the phone about this mistake they give me false information and a run-around conversation tactic claiming they do n't know how to explain this too me and refuse to fix the issue. They continue to tell me, there is no on else available to talk to, and they end end the conversation with me, saying that they are finished talking to me, and place me to a voicemail. When I searched the name of the finance manger whose vociemail they connect me to it dose not even show up on XXXX, which leads me to believe that this is a fake person : XXXX XXXX
I have a unverified account from a XXXX XXXXt # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure  maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
On XX/XX/XXXX Fifth Third issued a XXXX 's Check # XXXX for {$22000.00} and on XX/XX/XXXX it issued another one # XXXX for {$7000.00}. Both of these checks were purchased by me, XXXX XXXX, to pay a construction company to replace my deck. The checks were marked " Pay to the order of : XXXX XXXX XXXX ''. On XX/XX/XXXX and XX/XX/XXXX, a person named XXXX XXXX XXXX signed just his own name to each of the Cashier 's Check s and then photo-deposited them into his personal XXXX Bank account. XXXX accepted the deposits and sent the checks to Fifth Third for payment. Fifth Third, without validating that the endorsements were full and proper, paid over on the checks to  XXXX. XXXX XXXX XXXX then withdrew the {$29000.00} from his personal account and left town. Fifth Third had a very high duty of care to make certain the checks were properly and fully endorsed by the named payee, and they failed to do so. They should not have accepted the checks from XXXX, endorsed as they were. Fifth Third 's negligence in accepting the obviously improperly-endorsed cashier 's checks ultimately allowed the money that was specifically payable to " XXXX XXXX XXXX '' to go elsewhere. Their failure to validate and enforce the proper endorsement has left me, the Fifth Third customer and the Remitter of the checks, exposed to a lawsuit by XXXX XXXX XXXX, who never received payment for their work. XXXX 's XXXX, by their nature, are designed to be a secure form of payment, but only if they are treated with diligence and proper attention. Fifth Third 's error has left me in a bad spot both legally and personally and I demand they make good on the two XXXX, and immediately issue payment of the {$29000.00} to XXXX XXXX XXXX. If I am sued, I will certainly join Fifth Third in that suit, I will have no choice. This issue is not going to go away until Fifth Third corrects its error.
To Whom I t May Conc er n : Amazon made an unauthorized purchase/auto-billing from my Amazon Store Card o n  XXXX / XXXX /  XXXX   ( affiliated with Synchrony  Bank ) for Amazon Prime Renewal (   {$100.00} see  XXXX _Amazon_Statement ).     I have used my  XXXX   XXXX   XXXX  debit/Visa card in the past to automatically renew to  my Amazon Prime m embership ( see  XXXX _ XXXX _statement  XXXX  ), which is still in good standing and not expired. The only logical reason that  Amazon would bill their store card without my authorization was that Amazon was  hoping to help its affiliate Synchrony Bank cash in on their 26.49 % APR ( see  XXXX _Amazon_Statement page  2 ). To make matters worse, the Amazon store c ard is set to a default setting to receive no text or email ( see  XXXX _Amazon_Account_Summary ), so it will go unnoticed by the consumer and surprisingly, Recurring payments is set to off which begs the question, why was I charged with that setting on? Please see   XXXX  _Amazon_Account_Summary.   I was charged with a late fee ( on  XXXX / XXXX /  XXXX   see   XXXX _Amazon_ XX/XX/XXXX _statement ), be cause I was not aware of the unauthorized transaction that took place over a month ago.     I am concerned about this happening on a larger scale aimed at hurting consumers and that the risk/reward factor greatly benefits  Amazon and its Affiliate bank Synchrony to harass its customers in this way. I have been on the phone with Amazon and Synchrony today (   XXXX / XXXX /  XXXX    ) to try  and resolve the issue.
XXXX calls within the last day. In the middle of the night and early morning. I don't have debt.
CONVERGENT OUTSOURCING {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
I have been trying to get Bank of America to modify my home loan for several years. I have been stuck in a black hole in their loss mitigation department as I try to get some help to get caught up on my loan and save my house. They transfer my case from department to department and give me the runaround when I call in to get an update. They have not completed a review of my current and correct financial information and have denied me access to government, state and internal programs that should be made available to a homeowner in my situation. Bank of America has also failed to offer access to mediation through the state of Nevada to resolve this matter. They are required to do so but have ignored this rule and have repeatedly engaged in dual tracking and have set multiple sale dates. We have been backed into a corner and reluctantly agreed to short sale our property because we were led to believe there was no path forward. We do not want to sell our home, we want to fight to keep it and want B of A to follow the rules and give us a fair chance at a negotiation. Even though we are far underwater we do not want to lose our home. 

We bought our house in XX/XX/XXXX and refinanced with Quicken Loans in XX/XX/XXXX so we could lower our interest rate. We were responsible and had no problem making our payments until the recession hit. I was told by the city of XXXX XXXX XXXX that due to the recession I needed to take an early retirement, otherwise I was at risk of being laid off. I did not see a path forward so I did this, thinking I would easily find another job. I was mistaken and eventually had to permanently retire at age XXXX. Around the same time my son was XXXX from the military and unfortunately came home XXXX. We had to care for him and were overwhelmed with expenses. We tried to get help from the B of A loss mitigation department but could make no progress. We then hired an Attorney to assist us and were advised that we needed to go late on the mortgage in order to get B of A to take our request for help seriously. So we stopped making payments and the Attorney tried to get us approved for help but was not able to get this done and eventually disappeared. We then began trying to work things out with their agents on our own. The problem is that we always get the runaround and get transferred from department to department with no single point of contact, and no completed review of our current and correct financial information. At one point while in the middle of review B of A attempted to sell our home, an obvious example of dual tracking and against the rules and laws of the state of Nevada. The whole thing has now snowballed and our delinquency has grown and grown. Our loan balance is not that large and based on our fixed income and the pension I am certain that we qualify for government and internal modification programs that would benefit us. My issue is that their agents have not given us the opportunity to be reviewed and have pushed us into a short sale that we do n't want to do.
I just experienced the most terrifying banking transaction of my life. I visited my local Chase branch at XXXX, TX around XXXX CST on XX/XX/2017 to make a cash deposit at the ATM. I needed to deposit XXXX XXXX dollar bills. I researched online and checked the website and there was no indication of any denomination restrictions. There was n't really any information explaining how cash deposits work at the ATM 's period. Once I arrived and choose cash deposit, it said to deposit up to XXXX bills. I counted out XXXX XXXX dollar bills and inserted it into the slot. The machine started processing, then said " could not be read ''. The machine then started making noise like it was going to give the money back. Then the door closed and the screen said the machine had a technical issue, call this number. The cash door kept opening and closing, the machine kept making noise. I received no receipt or confirmation that any transaction had taken place. At this point I am officially panicked. I call the customer service line and document my issue. They assure me this will be taken care of. I call the XXXX Police Department to file a report and they say there is nothing they can do. I am absolutely terrified, my money is in limbo. The machine could be spraying my money out on the ground as I write this and I would have no proof that I even put the money in. I do n't know what to do, I feel like there should be protections in place to prevent something like this from happening. I think people should be aware, ATM 's that take cash deposits are not safe. They are going to conduct an internal investigation, which means they have complete control of the logs and evidence like camera footage. I am completely at their mercy at this point. I researched other people that have had this issue and in some cases Chase has determined that the money was never deposited. At this point I have technically been robbed of {$3000.00} by Chase.
I have a Capitol One Visa account ( ending in XXXX ) which I pay in full with monthly automatic payments from my Capitol One 360 checking account. On XX/XX/2018, I paid the pending XXXX amount due ( {$6900.00} ) because I knew I wanted to make another charge which would take me over my limit ; I also paid an additional {$1.00} which I had charged. A few days later I noticed the Visa account showed the XXXX amount due as still scheduled for payment. 
So I called Capitol One Visa at XXXX ; I reached a young man who blithely insisted Capitol One Visa would never take money from my checking account if it had already been paid. He insisted there was nothing I could do to get that algorhithmically-generated amount deleted, but dont worry! 
On XX/XX/XXXX I find an email telling me Capitol One is taking the money. On-line, I, indeed, see that Capitol One has withdrawn {$6900.00} from my checking account -- although I had paid that amount on XX/XX/XXXX. 
At the same phone number multiple first-name only " supervisors '' tell me it will take five days to refund my money. And they say nothing about interest which they owe me on either the amount I paid XX/XX/XXXX or on the amount they removed in a microsecond on XX/XX/XXXX. I ended up talking with a XXXX. She insisted Capitol One Visa procedures can not be over-ridden. 
So, Capitol One Visa gets use of my {$6900.00} from XX/XX/XXXX through XX/XX/XXXX, then gets use of another {$6900.00} from XX/XX/XXXX through probably XX/XX/XXXX. And I don't earn any interest which would have accrued had Capitol One Visa handled the financial transactions correctly. 
There are computer programming failures here as well as training issues for employees who answer phones and give information.
I went to pay my complete balance off at the kays store and i thought i paid everything off as what the company told me and at the same time i had just moved so by the time i got everything in order with my mail i recieved a collection for the amount of {$40.00} at that point i contacted kays and i spoke with them about removing the bad status remarks on my account if i paid off the balance with them they agreed and told me i just had to make a payment and that i wont have nothing effecting my score or my payment history and they have yet to fix they finally removed that i have a balance with them but they didnt removed some remarks and my payment history and its affecting my score.
The Bank XXXX XXXX New York XXXX was involved in a fraud crime against me. It did not hold my money against money transfer. These transfers were done under duress as I was not in my right mind and afraid of something happening to me or my daughter. I will provide a paper file with this complaint.
I was a victim of identity theft and filed an identity theft report and police report and Penn Credit just ignored this information and claimed the debt is valid which is FALSE
ok XXXX give information to another people and they got my identity fraud and also they put alert like 3 times and the chage my address with XXXX