WillisBack/dataset-financial-user-claim huggingface dataset:
I have made many attempts to contact XXXX XXXX with regards to a debt that they are reporting in collections on my credit file. I have sent many letters asking them to provide me with proof of this debt and to date they have not done so. I have sent them a letter as recent as XXXX XXXX, 2015 via certified mail. I have also disputed this account with XXXX who report this account as verified. I am leary of this since I ca n't get a response back from Darnel Quick Recovery. I need your assistance in getting this matter resolved. Otherwise, I will have to sue for damages.
Hello, I am receiving emails from Union Bank regarding email update, confirmation of password change, and alerts of large withdrawal on an account that I DO NOT have with this bank. I have contacted them a number of times, they confirmed with my social security number that I provided, that I do not have an account with this bank. To confirm that I do not have an account, thinking that there might be identity fraud involved, an Experian credit report showed that I do not have account with this bank. At the last time that I contacted them in early XXXX, I was transferred to speak to the local branch manager. She said that she would investigate and contact me, which never happened. 
In a nutshell, I am receiving Union Bank emails that do not belong to me, as I do not have an account with this bank. Contacting them about the emails has not stopped in my getting these emails. Whoever this account belongs to, that person is not getting the emails. 
ThanksP.S. Will be attaching the emails. They were sent to my XXXX account, which I have set up to forward to my other personal email account with XXXX.
Today I check my credit it had drop by XXXX points which left me very up set with the error with both credit reporting agencies. Regarding " XXXX XXXX amt.. {$360.00} '' which is erroneous. Please fix the problem immediately please.
I have been in contact with the Citibank to settle their Sears Master card, as they as they promised to take a small sum. But without giving me a chance, they have been addingbeen adding late fees, interest, etc., every month to furhter inflate the total balance. Their customer service does not help, nor theirsenior officials.
On NCC Business services called my place of work irrately for a debt that isn't mine.
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with Kohl's'/Capital One. An official dispute of this action was sent to Kohl's/Capital One XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with XXXX XX/XX/XXXX and the official dispute of this was sent to XXXX  XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.
I 've been a customer for 2 years with the company, never had a complaint until today. I just finished talking with the executive office because an inquiry that I did this weekend about a credit card application that I submitted last week. That application was denied, and I call just to know why. I do work in banking as well, and I do care about my credit, because since I 'm not a millionaire I depend on it for anything. I 'm currently working and XXXX both since I need to progress myself. 

Well, the main reason I 'm writing to you today is because I think there is something that Discover should consider in changing or adjusting or do something. When I was doing my application on the second tab ( please see attachment ) It says clearly that if you work and study, 'you select student '. That was basically the key to the point in this complaint. As per your company ' policies students are only allowed to have XXXX account, and nonstudents XXXX, but going back when you apply and you 're doing both you must choose 'Student '. 

Basically, what I did was a waste of my time and a hole on my credit bureau, because the policies of Discover discriminate students. And plus that, I 'm not only a XXXX, I 'm doing both, which should be considered all the way around. I have called several times to the executive office, they just do not care, and there is no way to go futher and let the real executives the dedication of this problem. 

Well, my humble advice, a bank which a lot of his customer base are students, should not treat students so lightly, so XXXX, explain better in the application tab ( if doing both, instead of choosing 'student ', chose 'working ' ).
With response to my claim # XXXX, I have made payments on the due date, and now they have increased my payment. I am not even making minimum wage and they wo n't help me. They told you that I needed to re submit the forms, but I have done this 3 times now but no reply. I stated this to you to dispute their last response, but I have n't heard any reply from you. I ca n't even buiy food for my XXXX sons because I do n't work XXXX hrs nor do I make minimum wage. Someone please help me!!! 
XXXX XXXX
I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. In the process of reviewing my credit I found the collection charge from SCA for {$180.00}. This debt originates from XXXX XXXX, nearly 5 years ago. I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. Not only is this a complete ethical violation it violates the FCRA. With this being said they are still continuing to report the alleged debt to the credit bureaus without validation. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of deletion needs to be met. Your lack of due diligence is impacting my progression and has ultimately become a hindrance. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of DELETION needs to be met on my credit report. Your lack of due diligence is impacting my progression and has ultimately become a hindrance.
on XXXX17 at XXXX I called the collection agency to inquire about my debt that XXXX XXXX XXXX ( XXXX ) had handed over to them. I was transferred to XXXX, who is in charge of my account, I asked how much I owed, what my payment options are, and if I could n't settle the debt for less. When I could not afford the {$300.00} plus monthly payment XXXX XXXX tone with me became extremely condescending and she hung up on me. 
I called back around XXXX XXXX and asked to speak with a Supervisor and was transferred to XXXX, to make him aware of how XXXX treated me, XXXX went over my debt with me and I asked if he could inquire with XXXX about settling for less, XXXX XXXX tone became very volatile and he stated " that 's not going to happen, I 'm not going to do that '' he also said he 's been down this road for year and it 's a " state thing '' and was inquiring where I went to college and if I work or when i 'm getting my degree, he ended up hanging up on me, but before he did he said " i 'm hanging up on you now '' I said, " yes, this is the same treatment I got from XXXX ''
I am an IDENTITY THEFT victim. A family member, who is now deceased, used this credit card to pay off debt on other credit cards. He committed suicide in XX/XX/XXXX. I have sent detailed documentation to XXXX and their first collection agency, XXXX. XXXX ceased collection efforts, and now, even though I sent XXXX detailed documentation, including my report to the FTC, XXXX has hired another collection agency. This group says they have contacted me three or four times about this debt, beginning inXX/XX/XXXX, but I HAVE NEVER HEARD FROM THEM BEFORE THEIR LETTER OF XX/XX/XXXX. Why would they make such a bizarre claim? I do not know to what address they sent letters, but I did not get any from this group ; EVER until XX/XX/XXXX. I am XXXX, and my only income is SSD and a pension. I made a settlement offer to XXXX, which they ignored, and continue to come after me. I have had several XXXX XXXX XXXX, and XXXX relapses due to this harassment. I feel that I have no way out
I am writing to dispute the following information in my credit report file. 
Original Creditor XXXX Open Date : XX/XX/XXXX Account Name DIVERSIFIED ADJUSTMENT Account Number XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
I disputed this charge with XXXX but Diversified Adjustment, a collections company, claims I owe XXXX {$450.00}. 
I have never used a XXXX phone or a product. I have never received a bill from XXXX for this amount. Have I received a bill from XXXX, I could have called XXXX, and fixed this mistake myself. Yet this charge of {$450.00} appeared all of a sudden on my credit report as a delinquent charge. 

I believe I am a victim of Identity Theft and someone with out my knowledge has used my personal details to do business with XXXX to commit credit fraud or other crimes. Apparently a party who will benefit from this collection effort is Diversified Adjustment. 
This item is - Original Creditor XXXX, Open Date : XX/XX/XXXX, Amount {$450.00} is inaccurate. 
Under penalties of perjury, I certify that I have never opened an account with XXXX, nor I have purchased any product or service from XXXX for the past 10 or 15 years ( or even prior to 10 or 15 years ).
I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old.  I was incarcerated when the debt went into default. I have not been notified of the debt from  XXXX   XXXX  or  XXXX ,  XXXX   XXXX   Protas, Spivok &amp; Collins, located in  XXXX  MD, until this time. The {$710.00} debt  has accrued other interest and fees over the years, totaling over {$1500.00}.
Equifax XXXX XXXX charges my credit card {$120.00} per year. I do not receive alerts or services for this fee. When I contact Equifax, they are not able to pull up my account in order to cancel it or refund the charges.
Experian told me that my security questions were incorrect and that they were based on a third party website when I tried to have my fathers name removed from my credit record. I called on XXXX/2017 at approximately XXXX XXXX. I was told that they could not provide a reference number for my request because the answers, including my mothers maiden name were incorrect based on data from a third party website. I asked to speak to a manager. They said that was not possible because of call volume but that they would call back. 

Someone whos caller ID showed as XXXX XXXX XXXX, XXXX called back at approximately XXXX XXXX. I have no accounts with XXXX. I was told that I had an  existing relationship with a membership service with Experian. THe caller still refused to provide a reference number for the request. This request was initiated at XXXX. I was informed throughout the entire process that the calls were being recorded. They should have those records. 

I wish to have the incorrect name removed from my credit record and to have Experian be required to provide reference numbers for transactions when their own website requires you to call them because they can not /will not process them on-line. This is a consumer rights catastrophe if you allow the credit reporting agencies to treat their unwilling targets in this way. With all of the problems that have occurred with XXXX, it is very disconcerting to have one of the alternative credit reporting agencies also fail spectacularly.
I took out a payday loan with XXXX XXXX XXXX online back in maybe XX/XX/XXXX and I can't remember the exact amount. I paid the loan payment twice a month up until I hit harder financial times and then I stopped. Then back in XX/XX/XXXX a debt collector contacted me told me that a warrant had been issued for my arrest but I could settle the debt for {$270.00} which I paid. I then received a letter saying the account was settled and closed. Then in XX/XX/XXXX I received another call and I really didn't think about it until later but it was a debt collector for XXXX saying that I was due to be served court papers unless I paid {$120.00}. Again I paid and received another payoff letter. Then a couple weeks letter I get another call from another collector for the same company XXXX XXXX. I spoke with them and told them that I had already taken care of this matter. Then just this week I received 2 more calls so I emailed the company. I haven't received any more calls since the email. This company is a ripoff if you borrow {$400.00} you may end up paying {$1600.00} or more. My personal experience I will not use this company or any payday loan company ever again.
On FridayXX/XX/XXXX we requested XXXX to send a wire transfer to Coinbase, Inc. Wire was sent by XXXX on Monday XX/XX/XXXXwith following details : Wire transfer federal reference nbr : XXXX Amount Sent : {$77000.00} On XX/XX/ We received an email from Coinbase , Inc saying the wire was being reversed and if we don't receive the funds back in three business days we were to contact them on their wire support email.

Since then we have opened three support cases with them and emailed the wire support several times, but we have not seen any effort on their part to return our funds or credit it to our account at Coinbase. 

We have received response to some of those emails saying they are working on the issue, but it has been 25 days since the wire was sent to them and 24 days since we received the email from coinbase saying our wire was being reversed. But we don't see much effort to resolve the issue. 

The funds sent to coinbase were from liquidating my wife 's IRA and as such represent a large portion our life savings. Both me and wife are over 50 and don't have many years left till our retirement. We simply do not have the time ( number of years ) or the physical capacity to build up another nest egg. We have made the same appeal to Coinbase, but they don't even respond. Any help you can provide in recovering our funds will be highly appreciated. 

Thank you,
On XXXX XXXX, XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a XXXX dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been XXXX XXXX XXXX XXXX but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from XXXX XXXX XXXX XXXX, representing Pendrick Capital Partners LLC who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. Pendrick Capital Partners LLC 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX XXXX XXXX XXXX XXXX is asking me to pay them {$880.00} which is likely the original bill for the ambulance. They have sent me XXXX paper debt collection letters, XXXX in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the XXXX XXXX due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX
They are attempting to collect a debt on behalf of XXXX XXXX bank that I do not believe I owe. They do not provided verification that would be legally binding nor does their alleged client show me owing the money. They refuse to remove this unverified and what I believe erroneous debt from my credit.
After receiving a credit alert about XXXX XXXX reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from XXXX XXXX and never even knew I was approved for the credit card. XXXX XXXX did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my Trans Union credit report. After I called Trans Union, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. Trans Union said it might be a mistake by XXXX XXXX so I called them back and they confirmed it. I have a copy of the Trans Union report showing this account was deleted by XXXX XXXX on XXXX/XXXX/17. Now it was reinserted illegally.
They have been calling me at my workplace repeatedly and I have contacted them several times telling them that I can not take personal calls at work and that they should stop calling my workplace. 
This occurred 9 times in XXXX of 2018.
We have a Citi XXXX XXXX credit card and we received an email saying there was a message in our secure message center on citi.com. Upon logging in and reading it, Citi took it upon themselves to close our credit card account WITHOUT notifying us they were doing so. They said that " in our customers best interests, we do not notify them that we close their accounts ''. This is unacceptable. No other credit card company that we do business with does anything like this without notifying us first so that we can take the proper actions to prevent it. I tried to resolve this via their secure message center but they said that they can not reopen the account. These are predatory and unfair business practices.
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
I contacted Exeter Finance Corp to let them know I would be making my XXXX XXXX payment on XXXX XXXX. I called on the XXXX and had them debit my checking account for XXXX payment. On XXXX XXXX I received a call from the finance company stating I did not make the XXXX payment. I explained my conversation that I had on the XXXX and explained I made the payment. The customer service person told me it was not on their computer system and took the bank account information again. On the XXXX Exeter took out XXXX car payments which bounced my account. After numerous phone calls to customer service I spoke with approximatley XXXX different supervisors and after approximatley two weeks or so I received the unauthorized payment and the overdraft fees back into my account from Exeter. Since then I have been recieving phone calls harassing me that I have not made my XXXX payment and some of the customer service people are very nasty Apparantly they do not read any of the notes shown on my account. I have emaild and faxed over bank statements as recently as yesterday with no resolution to the harassing phone calls. I have called the corporate office twice and left voicemails with no return phone calls. I am looking for a resolution to this matter. It seems noone can take care of the issue at hand, the XXXX payment has been made and I am receiving harassing phone calls.
SLS refuse to assist me they want me to give them the house they wo n't tell me why and how I got denied no explanation Cfpb do ur job put this ediots out of business I will not give them my home if SLS want my home they should kill us first then they could have our home SLS not a good servicer they do n't do anything they want me to give them my home without assisting me
I recently received notice in the mail, about this debt, this would be the first time I HAVE EVER BEEN NOTIFIRED OF THIS DEBT, I WAS SENT A DEBT LETTER WHICH I HAVE ATTACHED, WHICH SHOWS DATE THEY SENT IT TO ME, I AM ASKING HE TO VALIDATE THIS DATE, AS I HAVE NO CONTRACT WITH THEM, THEY INFORMED ME THIS DEBT WAS PURCHASED FROM ANOTHER COMPANY, ON XX/XX/2019, I CONTACTED THE COMPANY AND INFORMED THEM I NEEDED THEM TO VALIDATE THE DEBT AS I HAD NO CONTRACT, SHE GAVE ME AN EMAIL ADDRESS XXXX.SHE INFORMED SHE COULDNT GIVE HER NAME OR VALIDATE THE DEBT, SHE ASKED ME WHO THE PEOPLE WERE ON THE DEBT. THAT MY NAME IS NOT XXXX XXXX AND THIS IS NOT MY DEBT, I AM ON A FIXED INCOME OF {$870.00} THIS DEBT IS CAUSING ME EXTREME XXXX, I AM A XXXX, XXXX, XXXX AND XXXX XXXX.
I am XXXX, I request reasonable accommodation to submit past due medical bills to my insurer ( medacare/XXXX ) I can not understand the process, please inform my debtors to submit a bill to my insurance company directly, not me, and to remove the debt from my report
XXXX Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX
I sent out two letters to this company stating that there was an hard inquiry on my credit report and need it be removed immediately. The company wrote with the same letter twice and said that XXXX XXXX XXXX XXXX  pulled my credit. I called XXXX XXXX XXXX XXXX  and ask them to get it remove but no one is willing to remove the hard inquiry. I ask them for proof of my bearing signature of me signing any type of application with this company.

XXXX date of inquiry :XX/XX/XXXX CoreLogic XXXX date of inquiry : XX/XX/XXXX XXXX date of inquiry :XX/XX/XXXX