WillisBack/dataset-financial-user-claim huggingface dataset:
I have received a new company trying to collect this same debt from me that is FRAUDULENT from Early XXXX, the new Company is Credence I called ( XXXX ) and stated I dispute this as I have the others that I do not owe XXXX XXXX XXXX XXXX any money especially {$2200.00}. and I would me making this complaint here today as well. 
The following is the previous complaint I filed on XXXX XXXX XXXX # XXXX From XXXX or so of XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. 
I receive calls and letters from XXXX XXXX XXXX XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XXXX of XXXX. Ref # XXXX I did not hear anything back untila notice from ( XXXX ) on XXXX XXXX XXXX trying collect his same amount from XXXX XXXX XXXX mobility. I called XXXX myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XXXX XXXX XXXX. They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. 
I called the FTC today and they transferred me here to file this complaint. 
I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.
On X/XX/2017, I sent a letter to XXXX, XXXX, TransUnion to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.
I was unemployed XX/XX/2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan.  This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX that my loan defaulted and not any fault of my own.  I have made multiple attempts to try and get this situation resolved; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.
On XX/XX/2017, XXXX made a hard inquiry on my credit without my knowledge. It is showing up in my Trans-Union Credit Score. I called XXXX and was told by giving my personal information to the salesperson, I was giving them permission. The salesperson did not tell me and I did not know he was using this information to sign me up for credit. I was looking into buying a mountainbike and thought he was just getting my information for the sale. I called Trans-Union and they need a letter from XXXX which I can not get.
I contacted XXXX XXXX they gave me dates that I stayed in XXXXXXXX XXXX  XXXX XXXX, but I had insurance. XXXX XXXX XXXX XXXX. I called my insurance and they confirmed it as well. I gave them the dates, and then called XXXX once again ... They confirmed that they sent over proof of insurance to XXXX XXXX and they have not taken off the collection accounts from my credit report. I contacted XXXX XXXX and they're saying it is still active, at this point I do not know what to do. I DO NOT OWE ANY MONEY TO THIS COLLECTION AGENCY.
PROBLEM 1 : XX/XX/XXXX - I spoke to a Regions representative from the Regions Everyday Customer Service Line. I advised her that I had made several purchases since Thursday XX/XX/XXXX to  Sunday XX/XX/XXXX. I kept record for every transaction. When I checked my mobile app before calling her it said I had {$2.00}. Which is true, that should have been the ending balance to cover all transactions. I realized Monday that I had forgot to pay my XXXX XXXX XXXX cable bill and they suspended my services. I knew I got direct deposit so I decided to pay using my overdraft protection since I was opt in and cover the the amount of {$120.00}?? plus {$36.00} when my direct deposit hit. I had money in two other Regions account that could have covered the cable bill, but I want that money on hand in case an emergency arose before direct deposit payday. Before I paid XXXX XXXX XXXX I called and the Representative advised me that my balance was {$2.00} and all transactions were pending and accounted for. SO THAT IS THE ONLY REASON I PAID THE XXXX XXXX XXXX BILL BECAUSE I WAS LED TO BELIEVE THAT THAT WAS THE ONLY TRANSACTION THAT WILL HAVE A NSF FEE. I woke up the next morning to XX/XX/XXXX to $ -XXXX.???? 
PROBLEM 2 : i immediatley called the everyday banking number and got a Rep on the line after to explaining my side. She advised me when I paid the XXXX XXXX XXXX bill all the other transactions before that went into overdraft mode. I requested a Manager. She said she will give message and to watch my account at the end of the day to see if it had been and adjusted and credited. If not, there is nothing they can do for me. I called the number again and demanded a Supervisor. I got one on the phone and he only adjusted {$36.00}.

PROBLEM 3 : While he adjusted the {$36.00} he failed to let me know I needed to cover the negative balance in my account because once the XXXX XXXX XXXX and XXXX XXXX go through it will add more overdraft fees. I would have done that if I knew to being as though I had money in other accounts to cover this. The result of him not informing me let me to wake up to a $ -XX/XX/XXXX.?? balance. I called the everyday line again demanded to speak with another Supervisor who tried to INFORM ME OF REGULATIONS, BUT THAT IS A LITTLE TO LATE THE PREVIOUS EMPLOYEES DID NOT. THEY ARE THE REASONS MY ACCOUNT IS OVERDRAFT MORE THAN IT SHOULD BE!!!!!!!!!!! I AM XXXX AND I WANT TO CHANGE BANKS. AND I WANT MY ACCOUNT ADJUSTED TO THE $ - XX/XX/XXXX PLUS $ XX/XX/XXXX= $ -XX/XX/XXXXNOT $ -XX/XX/XXXX.?? My account was unfairly handled,  mishandled, and robbery of obsessive nsf funds.
I received a letter from a XXXX XXXX claiming to represent Metro Collection Service, Inc. It is claiming that I owe a debt to an apartment complex I have n't lived in for four ( 4 ) years. I received this same letter 6 months after I moved out that apartment complex and disputed it then. I never heard anything after the dispute. I have never once heard from the management company claiming I owe a debt. I have also called the apartment complex, now under new management, and they seemed confused as to why I would be receiving this so many years later.
Hi, I know my updated credit score and have validated this with my bank and several other banks. These reports state that my updated credit score is XXXX. I have applied for two loans. They based their determination on an extremely outdated credit score, XXXX, a credit score I had well over a year ago. I know that Transunion does indeed report to the banks and they report it as XXXX currently, at this time. However, when I applied for loans, three loan companies stated that TransUnion provided a score of XXXX. I wrote to TransUnion, via the XXXX, telling them to please update my credit score so I can apply for a loan and get a better rate. Sadly, my written inquiry must have been picked up by a robot, not a human who actually read my letter. What I got back was a credit report only. No score, no response to my inquiry whatsoever. You can't actually call Transunion. You get a recording. I'm stuck now with this. It's like a curse because I have worked extremely hard to improve my credit, all for naught.
My bills are only mailed every other month giving me consecutive " past due '' fees when I have never once signed up for paperless billing. I have spoken with representatives about this several times explaining I can only receive hard copy bills in the mail, because their online statements go directly into my spam folder. About once a year, they automatically switch me to online billing without my consent as well and refuse to cover my late fees.
First Citizens Bank of XXXX, undervalued my request for a mortgage by $ 100,000+. To do that, they appraised the land ( purchased for {$120000.00} ) at {$9800.00} ( tax appraisal uninproved is {$70000.00} ). To do that they found land XXXX miles away selling for $ XXXX/acre and ignored land pricing anywhere closer much less inside the resort community. They chose XXXX comparable, XXXX was a mobile home and the XXXX had been abandoned unfinished in 2006. Our planned " custom built '' log home is in a gated community atop XXXX XXXX ( XXXX ), the mobile home they compared it to has a State Highway running thru the backyard and was simply dropped off a flatbed onto a slab at that location. 
But that 's how they do business. They claim the " negligence '' is all the fault of the appraiser and his negligence is my problem, not their 's ( that 's not true in all States ).
An overpayment was made via   XXXX   XXXX   transfer by mistake and chase wo n't issue a credit balance refund so I can get the money back to the ironical creditor in a reasonable amount of time.
To whom it concerns 1- What is the complaint about! 
XXXX XXXX XXXX in XXXX, NJ closed my account for having my Home-Depot card on time payments of XXXX per month. I started the payments 6moths ago and never missed one payment. XXXX XXXX is the bank that Sears uses for credit card holders. 
My payments to my credit card is impeccable for years. 
What Happen! 
I received a notification from Sears that they closed my account because of time payments to Home-Depot. I called them ( SEARS ) and asked why and they said because of Home-Depot. I owed Home-Depot {$250.00}, I paid them off today, I no longer owe them anything. 
What company is this complaint about! 
The complaint is about XXXX XXXX XXXX, XXXX, NJ Who are the people involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Capital One continues to report to all 3 credit bureaus inaccurate info. pertaining to my credit history. Accordingly, on XX/XX/2013, the card company reports I was late for 30 days which is inaccurate. The account has been paid on time and has a XXXX balance.
I have several disputes with Transunion XXXX XXXX. I have also called and tried to reason with the company by telephone. They are reporting incorrect information on 3 accounts : A loan from XXXX XXXXy is showing open with a {$4000.00} balance that is paid in full, a XXXX XXXX credit card that is closed and part of a chapter 13 payback plan is showing open, and a XXXX XXXX is showing I am over my credit limit when the balance is actually only {$55.00}. I have sent a copy of the loan documents stamped paid and a letter stating the loan is paid in full. I have provided a copy of my bank records and a printed receipt for the payment to XXXX for {$660.00}. I have also provided proof that the XXXX XXXX card is included in a chapter 13 and should not show it is open with an {$800.00} limit available. The refuse to acknowledge the XXXX account exists yet, it is clearly there on my credit report and say that they have to go by what the company tells them even if I provide proof of payment. They are completely uncooperative. They are reporting a XXXX XXXX XXXX while XXXX and XXXX are reporting XXXX and XXXX credit scores respectively. This is preventing me from buying a home. I have struggled with Transunion for more than a month trying to get these items reported correctly. I am a person who is being negatively effected by their lackadaisical attitude toward this matter. I need help and do not know where else to turn.
My Bank of America credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my visa credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus XXXX   XXXX  and XXXX
Via certified mail, I have sent two requests, on XX/XX/18 and XX/XX/18, to Transunion requesting proof of validation of various accounts noted on my credit report. The responses I keep receiving are that the items have been updated or verified as accurate without providing me with proof of validation. I have also requested Transunion 's method of verification which went completely ignored. I personally contacted the creditors requesting validation in which I received no documentation to even prove that the accounts belong to me. I need to not only see the paperwork that backs up their opinion that Transunion 's is accurate, but I also need to see a detailed report that goes over the methods and procedures used during the investigation. I need to know how Transunion performed an independent investigation instead of just telling me what the creditor stated. I feel that Transunion not only failed to conduct a proper investigation, but also failed to provide their method of verification as well. 

The following accounts are the accounts in question found on credit report # XXXX issued on XX/XX/18 : XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX ( X3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( X4 ) XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX   XXXX/XXXX  XXXX/XXXX XXXX/XXXX  XXXX XXXX/XXXX  ( X2 ) XXXX XXXX/XXXX XXXXt XXXX XXXX XXXX
Just read about deceptive experian/XXXX {$1.00} marketing and then charging $ $ for unwanted services. I 'm a senior citizen who they took advantage of by charging me hundred+ $ $ per month on my credit card for over a year before I realized what they were doing. I complained by phone but they were obnoxious and would not return my $ . It was XXXX of these XXXX companies but I can sure use your help getting my $ $ back. I 'm retired And told them at the time over the phone they were thieves to force a service I never enrolled for and had no use for. Please Help.
After Chapter XXXX bankruptcy discharged, TransUnion continues to report multiple judgments on my credit file. XXXX agency deleted these judgments but TransUnion and XXXX continue to report.
I am a victim of identity theft I have notified the Credit bureaus about this account being fraudulent I also sent a letter to National Service Bureau Inc to the address that the credit bureau had for them. They never noticed me about this fraudulent debt and just put it on my credit report. when i wrote them a letter it came back to me because the address they provided to the credit bureaus is wrong. They are knowingly and willingly reporting fraudulent information and have caused my credit score to drop.
I wrote the credit bureau back in XXXX and included identification documents. They never responded. I called the Texas Attorney Generals office and they said to make the complaint here.
I got divorced in XXXX and I got stuck with a credit card bill that I could not afford to pay. I was taken to court and the judge ruled in XXXX Banks favor and I did owe this bill. I get XXXX in XXXX and XXXX in XXXX and the judge said they won judgement but could not collect.In XXXX they served garnishment papers on any income tax return I get, but I dont have to file as Im way below the poverty level. I got a official looking court document on XXXX XXXX XXXX the next day I called the courthouse and was told no court papers had been filed and to ignore or contact the lawyer listed. I did not contact him as hes not pleasant. But I did notice he signed a scrawled name in spot where the judge or clerk signs. Here is the name of lawyer XXXX XXXX XXXX XXXX Mi. XXXX
I received a phone call in from A.R.M. collections on or about XX/XX/2018, attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I had just installed a solar system with XXXX XXXX through XXXX and then financed through there finance company XXXX XXXX. 
I then told A.R.M. to send me the collection letter which I received yesterday, XX/XX/2018. I then proceeded to call XXXX XXXX, XXXX, and XXXX XXXX, to find out what exactly is going on with my account with all of them. They proceeded to inform me that there was no debt that was in arrears with all three companies ; XXXX XXXX, XXXX or XXXX XXXX. 
I'm assuming this must be fraudulent however A.R.M. was very persistent, I have called the New Mexico Attorney generals office and they could not find A.R.M. in there files as a valid company. So, if there is anything that you can do to help me or anyone else with this information, it would be greatly appreciated. 
XXXX XXXX XXXX
Invalid notation of a XXXX account alleged debt on my Experian Credit Report. I have no accounts with XXXX XXXX XXXX now and did not in XXXX. 
The report notes a credit line. I never had a credit line with XXXX XXXX XXXX. The credit report notes that the delinquency was first reported in XXXX. All of the information contained in the credit report is FALSE.
My sister passed away in XXXX of this year. Upon going through her things I discovered that I was a co-signer/borrower on her student loans through Navient. I have made contact with Navient many times since discovering this information. Every time that I call I was given the run around passed to another department and them told I would have to go back to the department I started with. I went through the fraud department which they denied my claim did not give a reason why. Then I was told XXXX another time I called XXXX I needed to contact the company that has the loan and they would give me a relief which I clarified with agent several times " this means that I would not be responsible for any of the loan and that I would not owe anything correct '' I asked this question several times and he proceeded to tell yes/correct I would not owe anything that is what the relief was. Come to find out that was not correct ( still waiting for a supervisor to call me back in regards to pulling the call to verify what I was told ). The strange things is if I am a co-borrower why was I not informed of payments that were missed so that I would have the opportunity to do something to correct ( defer them etc. ) I was never contacted they just put them in default and sent them to collections. Oh yeah to be relieved of my reasonability I would need to come up with {$11000.00} to pay a % and I would be free and clear of this mess. I do not know how I am responsible for something that does not have my physical signature on the promissory note just my name and a check mark. This has ruined my credit and cost me a job. I am constantly getting wrong information every time I call on how to handle this. Another thing I find very frustrating is my personal information is being handed XXXX. I am not sure where or what to do at this time because of the frustration and bad information given. This is just a brief explanation of this situation.
I recently questioned a bankruptcy on my credit report and requested the source of this information ... .The United States bankruptcy court sent a letter saying that they do NOT furnish information to credit bureaus ... .Experian is reporting INACCURATE INFORMATION ( NOT MINE ) THE FURNISHER OF THIS INFORMATION has not given them the correct person this item belongs to and I am requesting they DELETE this inaccurate information from my credit report ... ...
transunion has failed to provide EVIDENCE of debt to include documents of claim, copy of unpaid bill or other evidence that with late payments. Dates are all wrong I never had late payments with XXXX XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} Balance
I noticed there were interest charges on my credit card account despite the fact that I have until XXXX and XXXX to pay off two credit card transfers which I paid 3 % to transfer. They claim I paid it off early. I called each month and asked how much do I have to pay to not be paying interest and they gave me a figure, I paid that figure and yet kept getting charged interest. Even their own employees didn't know how it worked. I still have until XXXX and XXXX to pay this account off without interest but since they keep charging me interest so I paid it off. They stole my 3 % and charged me interest every month.
Hi, I am currently working on my credit report. At first I noticed system 's collecting for XXXX XXXX XXXX on my report. I was not aware of any such account. I asked for more information and disputed the account. It was not investigated. Decided to research the only account I've had with XXXX XXXX XXXX and soon realized it was an old XXXX from XX/XX/XXXX. That account was closed was to be cutoffXX/XX/XXXX when I purchased my new home. We bought a XXXX. They were suppose to send boxes for Equipment before we moved but NEVER did. I spoke to them several times. I recall this very well. We brought equipment to our new home, XXXX was sending boxes AGAIN. This time, they were sent to old Addr. I wasted more time tracking boxes only to find them wet outside old rental property. I asked them where to drop equipment? I was instructed to drop off in XXXX, Tx, That is what did. They apologized, said : " I would be issued credits. '' PAID {$95.00} and closed this account. I DO NOT OWE this debt and it is marked " D '' on my credit report. I am a single mom working very hard to be a good example. Please look into this. 

Thank you for all your time. 

SB
XXXX unauthorized inquiries on my credit file. Made my score drop by XXXX points. I submitted a dispute with equifax and they sent back over the results stating that the inquires are factual. I never authorized the companies I disputed permission to pull my credit file. I had a preapproval and only wanted to use XXXX XXXX. I only needed proof of my income and proof of my residence to obtain the vehicle. Why would I go through the hassel of applying to other companies when I had spoken with a lender and had an approval. The dealership did not have my permission to submit no deals on my behalf to any of the companies listed in my inquiries. I explained to them what I wanted and asked if they could not abide by the approval, let me know and I would move on. Each XXXX told me that they could submit my approval with a car and give me the final structure. Then I would get all kinds of emails stating that I had new inquiries. I never signed a credit form and never gave permission to anyone. I am attaching a copy of my preapproval.