WillisBack/dataset-financial-user-claim huggingface dataset:
My wife has been receiving calls from National Credit Adjusters ( account # XXXX ) acting on behalf of XXXX XXXX on an alleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the XXXX XXXX area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked National Credit Adjusters for the address of XXXX XXXX, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in XXXX They also stated that the individual that obtained this loan put down their place of employment as XXXX XXXX, which I worked there, but not in XX/XX/XXXX when this loan was allegedly obtained as I have been employed with XXXX for 7 years. I was finally able to find a phone number for XXXX XXXX and address ( XXXX XXXX XXXX XXXX, OH XXXX, ph # XXXX ). I followed the prompts, option 1, option 1 again, then option 2 for past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a good 25 minutes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by XXXX XXXX XXXX. I called them and they told me that the account was recalled back by XXXX XXXX XX/XX/XXXX and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is XXXX
XX/XX/XXXX I received a copy of Memorandum of costs after Judgement and declaration of Accrued Interest in the amount of {$2800.00} ( interest ) Plaintiff : Midland Funding LLC VS : Me with a case Number which I was in shock to receive in the mail. I called the number on Document to get information regarding notice, I was told a judgement had been filed and account is a legal matter and if I want information I can obtain it by going to the courts for file. I told the rep I know nothing about this!! All they said was to pay and/or they were in a process for garnishment?? Immediately went to the courthouse for copy of the entire file. Midland Funding filed a XXXX XXXX civil case for the amount of {$5900.00} On XX/XX/XXXX. Unbelievable, it stated that Midland had purchased debt from XXXX in XX/XX/XXXX and they have the right to collect in its place as the original creditor. I do not recall ever having an account with XXXX ending in ... XXXX. I had one credit card with them acct # ending in XXXX that I had settled and was given a XXXX for the difference in the balance. I am in good standing with XXXX and i do n't believe this debt is valid because XXXX is my auto Loan carrier and if I had a outstanding debt with XXXX I do n't think XXXX will provide me with a loan if I had bad debt with them. I was never served as stated in the proof of serviceXX/XX/XXXX. After researching XXXX XXXX XXXX XXXXr and address it turns out that it is a Printing Shop that has been there for 21 Years and no one by the name of who served me works or know of that name. XXXX # is not found in XXXX. Does this person even exist??. Midland was granted a XXXX Judgement against me XX/XX/XXXX based on Failing to answer Complaint of Midland.. I was never served regarding the Judgement!! The court allowed the default judgement without proper validation of the debt and was honored only because I did not respond and assumed valid per Midlands request. Only documentation provided was a Copy of a statement without any transactions or last payment information and a AFFIDAVIT of an employee in support of Judgement that just says that she has reviewed and has access to records and account and a witness of accuracy. So if that 's the case why was n't any contracts, agreements or sales slips of purchases provided to prove the debt?!! It is crucial that they prove that this debt is in fact my obligation with proper documentations according to the law and my rights To refer Consent Order CFPB-XXXX Filed XX/XX/XXXX Midland is not complying with the terms of the settlement with CFPB. I am requesting that Midland move to Vacate Judgement Immediately if they do not fully validate debt.
Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
To Whom It May Concern : I have request Transunion and XXXX by phone / fax and letters to up date my personal information.

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX   deleted all all information which shows me that XXXX and TransUnion failed me as a Customer. TransUnion and XXXX has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.
I received a message on my voicemail that this company was " tracking '' me urgently. They stated since they left me that message they were legally allowed to contact any and all parties associated to me. 

That same day my dad and a family friend started receiving multiple calls of this company attempting to urgently track my whereabouts. 

Today I returned the call and they asked me to verify my information but would not disclose the name of their company or what their call was in regards to. They hung up on me when I pressed for information.
Equifax allowed ( an ) unknown individual ( s ) access to all of the identifying financial information of almost every adult American, myself included. 

The US needs a new, better way to manage credit. Having three credit bureaus control this information is ridiculous and the problems that will come from this leak will be disastrous.
My complaint today is against Synchrony Bank for the lowes credit card. This is the second time i have applied for their card and they have declined me without merit. I believe that they are discriminating against me for my Age. I am putting in this complaint to make the CFPB aware of the illegal practices that Synchrony Bank is taking. They have no merit to decline me as you will see my XXXX XXXX Credit Report which is the report that they pulled is free of delinquencies and I have over an XXXX Fico Score. I am also attaching the Application Reference Number they provided on the XXXX XXXX Application.
Was not aware of any bill owed to XXXX or National Recovery Agency until I was getting a home loan. Upon further investigation the so called debt is under XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX And never ever have used XXXX . When I called the collector they first said to write a letter and did verify that it is XXXX Account. So I wrote a letter. When I called back to see if the letter was received they would not discuss the account because Im not XXXX XXXX XXXX but would not remove it from my credit report as not being my debt. They said it was the credit bureaus error and so I contacted the credit bureau who said we need to talk to the creditors. How can a debit for XXXX XXXX XXXX XXXX be under my social security number when he has his own social security number. Please help me! I am very frustrated and can not get answers. I contacted XXXX the origin of the debt and they have no account tied to my name or social security number anywhere.
Since XXXX 2010, I have sent over twenty certified letters to both EQUIFAX and XXXXXXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX
I am officially filing a complaint against Enova International , Inc. d/b/a XXXX. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. 
XXXX claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a XXXX bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. 
On its website Enova International , Inc. d/b/a XXXX makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. 
Enova International , Inc. d/b/a XXXX has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. 
On XX/XX/2017, I took a loan from XXXX in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$1100.00} with a 12th payment yet to be applied by XXXX. Once this payment is applied, I will have paid {$1200.00}. XXXX states I still have twenty-four more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3700.00}!!!!!!! This equates to an interest rate of 316 %!!!!!! I will pay more than 3 times the amount borrowed. I will pay {$2500.00} in interestmore than double to amount of the loan ( 216 % )!! 
That is outrageous!!!! The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! 
I will make my XXXX, XXXX, and XXXX payments of {$100.00}. Once those payments have been made, Enova International , Inc. d/b/a XXXX will have received {$1400.00} from me for the {$1200.00} I have borrowed. I will have paid {$270.00} in fees ( 23 % ) which is a much fairer amount. 
I am making this complaint to appeal to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. 
Once my XXXX payment clears, I want my account reported as Closed/Paid in Full/IN GOOD STANDING. 
Enova International , Inc. d/b/a XXXX will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
XXXX REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION
THERE ARE SEVERAL CREDIT INQUIRES XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED
In connection with application for reverse mortgage, on XX/XX/XXXX I gave a paper check for the appraisal to XXXX XXXX, an agent of Livewell Financial. Then I withdrew the mortgage application, and the appraisal was canceled 4 days before it was scheduled. Meanwhile, on XX/XX/XXXX my bank paid the check electronically before I could place a stop order. Now Livewell and their agents claim they do not have the money. My paper check has never cleared the bank. I signed an ARIZONA ADVANCE FEE AGREEMENT which obligates Livewell and their agent to refund the appraisal fee if the service is not performed. Someone -- Livewell or their agent -- has my {$290.00} ; but everyone involved, including the notary, the appraiser, Livewell and XXXX XXXX XXXX XXXX, all deny that they were paid. Someone has my check in their possession and wo n't admit it. One of these bad actors is lying to me.
I sent a HIPAA Validation letter to XXXX XXXX on XX/XX/XXXX it was certified mail and it was received on XX/XX/XXXX this agency has reported a medical debt of {$800.00} for a service date of XX/XX/XXXX this is what is reported on my Experian credit report. I waited 30 days for a response from this creditor and I never received one. On XX/XX/XXXX I sent a dispute letter to Experian informing them that I had sent a HIPAA Validation letter to the above creditor. In this letter I questioned Experian 's reporting of this medical bill on my report as verified since I reached out to the creditor and I have never received a medical bill from them. I requested that Experian remove the negative reporting as proper validation, verification or a bill was ever received by me, I still do not and have not received a medical bill from this creditor. I received a letter from Experian dated XX/XX/XXXX in regards to this medical debt stating that they have processed my dispute and the credit grantor has verified its accuracy. However, Experian did not provide me with proof of such verification. Please find attached below a copy of the certified mail receipt as well as the original letter I sent the credit grantor in regards to this debt
at XXXX my social security check showed that it was in our account giving us balance of XXXX there was two pending charges of XXXX and XXXX which was subtracted to give us our balance of XXXX no other pending charges were shown. at XXXX on the same dateXX/XX/XXXX 5 hours later a new check for XXXX appeared a check forXXXX appeared ach debit for XXXX appeared we were assessed two XXXX fees then the ss deposit was placed as pending and the XXXX charge was taken out giving us a balance of XXXX chase bank changed the order of items coming in to account fromXXXX to cause them to create a negative amount in our account so they could assess us two XXXX charges. the check for XXXX and check forXXXX never showed up tell after the XXXX ss deposit was made. chase changed the order of the items to be able to charge us two XXXX charges
I had some electrical work done on my property. The man that gave me the quote over the phone stated it would be $ XXXX {$400.00} depending on how much the permit was. I gave him the go ahead to do the work. The work was completed. About 6 months later I get a call about owing {$620.00}. I tried calling the owner ( man who quoted me ) and his answering service said that he was out of state on a job and he would have to call me back. Never heard back from him after at least XXXX calls to his office. I then get a letter from a collections company in regards to this debt. I asked for proof of debt. I received a invoice for {$620.00} from the company and that was it. How can a company just make up prices and then put it on someone credit report?
I have requested a copy of my statements for a closed account numerous times and they are sending out the wrong statements. The account is a closed Ace account and the crd no for this account ends in XXXX. I need XXXX and XXXX and that 's it and for unknown reason they are sending me different months and different years. I need them to be sent my email XXXX.
HEALTHCARE COLLECTIONS INC/HEALTHCARE COLLECTIONS LLC, ACCOUNT NO.    XXXX  has placed a negative report on at least  XXXX ,  XXXX  AND  XXXX   credit bureaus.They  are a collector for  XXXX   XXXX   XXXX  in  XXXX  CA.   At the time of emergency treatment there in  XXXX -2015, I was covered by both   XXXX    and  XXXX    XXXX   XXXX   h ealth plan.The hospital wa s aware of this coverage at the time of service.I should have no bill or collection for a bill whatsoever as I was covered by insurance at the time of service.
WENT TO GET A NEW CAR AND XXXX SENT MY SSN NUMBER TO SERVAL BANKS WITHOUT MY CONSENT AND THEY MADE HARD INQUIRES ON Y CREDIT REPORT
Approximately 2012, I had subscribed to pet insurance through XXXX hospital for my furry loved one. After a period of time, I felt I could no longer afford the monthly payments for the premium and called to cancel my his coverage. Several years later, I found an item on my credit report stating that I owe the company $XXXX!. When I called to ask, they said, they had record of my cancellation but that I am still responsible for the remaining bill. This seemed fishy and don't feel comfortable paying for a bill for which services haven't been provided.
The doctor was informed that my insurance only cover me after I spend {$1500.00}. I informed my doctor that I would be requesting XXXX XXXX under the XXXX act and I would not have to pay for the XXXX or XXXX he recommend. I informed the doctor I made little money and all I could afford was the co-payment. In any event, the doctor assistance walked in and gave me a XXXX XXXX. After what I said he said, " he would bill the insurance company. '' Next, I received a collection bill from two collection agencies in two different states. I received telephone calls. I call my attorney. Both collection agencies are not in compliance with Florida Statute 559.553 ; Florida Statute 559.715 ; 15USC1692 ( g ) ( b ). ( c ) ( k ). I request the collection  agency cease and desist from a letter from the federal government.
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2015 Amount : {$1600.00}
Received a credit card statement which indicates an increase to the credit card balance due to applied interest, despite a timely payment made for the prior credit card statement. No charges have been made on the card, as the card has been closed for over a year. Additionally, a prior payment should result in a slight decrease to the remaining balance due. I have suspected for some time that this credit card company is engaging in fraudulent practices to prevent consumers from reducing and eventually paying off their credit card balance.
I called Transunion to inform them the hard inquiries on my report were removed and then put back. The representative told me they could n't assist me at the time. This was yesterday, XXXX XXXX. I 've called several times today but the wait has been intensely long.
I am writing to dispute a fraudulent charge on my account of {$140000.00}, {$210000.00}, {$27000.00}, {$7000.00}, {$15000.00}, {$20000.00}, {$2000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140000.00} -This is not my account. 
2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with  a credit limit of {$210000.00} -This is not my account. 
3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 
4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 
6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 
7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 
8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 
COLLECTON ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7300.00} -This is not my account.
I have this credit card that keep inflating my payments, which in turn increases interest and late fee charges! At first it started out as a normal transaction with them ( which was affordable ) now it has gotten out of reason. date new balance past due amt minimum payment due XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
I started a dispute with Equifax on XX/XX/XXXX regarding a collection account that has been reporting since XX/XX/XXXX. I was unaware of this debt and specifically asked for verification. However, on XX/XX/XXXX they responded with a letter saying the account was verified with no supporting documents. 

I then submitted another dispute on XX/XX/XXXX asking again for any documentation verifying the account. They again responded on XX/XX/XXXX with an automated letter saying the account was verified. Again, with no documentation verifying the account was mine. 

I continued my dispute and sent my 3rd letter asking for verification for this collection account in XXXX, following their response. I again received a letter on XX/XX/XXXX stating the collection account was verified without any supporting documents verifying the collection. 

I continued to pursue Equifax demanding verification of this collection account and sent another letter on XX/XX/XXXX. I received a response on XX/XX/XXXX with the same letter stating the account was verified with no supporting documentation. 

This collection account needs to be deleted and Equifax is not being fair and abiding the fair credit reporting act. 

I can and will provide documents of my letters and persistence. However, the website will not upload at this time for some reason.