WillisBack/dataset-financial-user-claim huggingface dataset:
Whatever this ( Plusfour ) agency is need to be more efficient and more professional on doing somethi ng. Plusfour suppose d to check every detail on this PDF file/recipient name. As you can see Its not just  XXXX   XXXX . Its  XXXX   XXXX   XXXX  and I Do n't have   XXXX   on my name. I Do n't know who this person is and ther e may be  more people who 's having same name like mine. This is not fair Without any confirmation regarding my name and I 'm telling you again and again this is not my name or any collection belongs to me. If the plusfour did n't resolve this matter which does n't belongs to me, I will take further action against this and Its just a waste of my time and you proved yourself on your document the name is totally wrong and its not belongs to me.   XXXX  Thank you
XXXX XXXX XXXX DBA Genesis Credit sent us a letter on XX/XX/XXXX, which we received on XX/XX/XXXX, stating they are collecting on behalf of a landlord {$240.00}. They attached a move out inspection report that was falsely altered after we signed it. We replied by certified mail on XX/XX/XXXX informing Genesis Credit that we dispute this alleged debt, that we demand verification of these charges within 30 days of receipt of this dispute letter, or else, provide written clearance of this debt. We attached copies of our original signed move-out inspection reports that show no damages to the unit. Where in fact the landlord owe us the damage deposit minus utilities.

Genesis Credit did not respond with written clearance of debt. Nor did they provide verification of the alleged debt. Genesis Credit proceeded to contact us by phone and email, harassing and threatening us verbally. On XX/XX/XXXX, Genesis Credit emailed us requesting payment, did not provide verification, and then on the phone threatened to harm our credit rating if we did not pay by XX/XX/XXXX.
XXXX place a collection account on my experian credit report this collection account is identity theft my police report number is XXXX
In the very end of XX/XX/XXXX into XX/XX/XXXX I switched two lines from XXXX to XXXX. I went through the buy out program of XXXX where they will pay up to XXXX dollars per line that switches to them off the final bill from the previous phone company. The only things I needed to do was to turn in my old XXXX phones and obtain those receipts from XXXX and then once XXXX made the final bill, take that online and plug in the info for the buy back. Over the next two months I went in to multiple debates with XXXX both in person and over the phone over this bill. XXXX initially kept telling me that the bill was not yet available and to wait till the next billing cycle and then when it would come I would receive the same answers. XXXX had also locked me out of my own account months prior to switching to XXXX and would not allow me to see my bill break downs and would only accept money for bills. I spent hours and hours on multiple phone called with XXXX both before switching and after attempting to get access and they were almost entirely of no help. No matter how many people I talked to on the phone, they for some reason were unable to give me access to my own phone account so I could see why and where my charges were coming from. Fast forward a couple months after switching to XXXX and attempting to get the final bill with no luck and suddenly I receive a notification in the mail that I was sent to collections by XXXX for not paying my final bill. This is the bill they refused to give me and that I now apparently owed something close to XXXX dollars. I obviously immediately contacted XXXX and learned that not only had they sent me directly to collections without sending me the final bill but they also had only ever switched over one phone account and still had the other account still open obviously unused for many months and racked up with fees and charges for not paying it. I am still in dispute over this with them and this just adds to the already large issue of them throwing me into collections.
I have an opened complaint as well to the U.S. Department of Education as well.. 
I have had issues both with XXXX and Navient once they took over, first issue was they had the wrong graduation date as XXXX XXXX instead of XXXX XXXX which caused them to put me in a forebearance while I was still in school. Second issue I could not make payments online until my Loan was current and up to date by calling in payments, they would only apply the payments on some of the loans, causing late fees in others. Third issue they will mail me documents which never arrived. Fourth issue was sending letters to relatives saying they could n't get a hold of me when I 've been in contact with them weekly. Fifth they could n't keep track of my records when I put in a research request I would continue to get phone calls, and then the representative would then notice it was in a research status .The last representative said there was no such thing as a research status, and if so I was not notified that the research status ended. They emailed me a document which then never showed in their system until I spoke with a representative, they then re issued the document with a new date. Went I applied for a home loan, my loans did not match what was being reported on my credit report. I have documentation to back up some of these claims as well as other smaller issues. Constant harassing while I was n't in school 3 to 4 times a day different phone calls, bad record keeping, loans I do n't even know about.
XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I have worked in XXXX service s for 10+ years. I submitted my application for Public Service Loan Forgiveness, and after verifying with each of my previous agencies, they determined that all of my agencies were qualified. I then received an email from XXXX XXXX saying that I had not been making qualifying payments and would have to consider shifting my loans to them. I sent them an email question asking how my payments did not qualify and received a form letter with the same language as the website, explaining nothing. At no point did I consent to switch my loans to them. On XX/XX/2018 ( dated XX/XX/2018 ) I received a letter saying XXXX  was my new service provider. Again, I did not consent or agree to this, having more questions. On XX/XX/2018 I received an email saying I had a payment due on XX/XX/XXXX that was now late. I never received anything from them stating an amount or due date. Meanwhile, I made my existing payment to my current vendor on XX/XX/XXXX.

Today, I called them and was told that they had no record of me making a payment to my previous vendor and that I had to " prove it '' to them. I was also told that I had filled out the wrong form ( I filled out the one on the US Department of Education website ) and that I had to fill out the IDENTICAL form with the slightly different number on it to get a waiver on my non-qualifying payments. I was further told that reapplying with the exact same form will re-start my application and require them reverify all of my employment - a three month process, if I'm lucky. The national funding will almost certainly be gone by the time this is completed.

I am beyond frustrated. I started out trying to take advantage of a lovely program that rewards community service and I now have a late payment to a vendor I didn't chose and don't trust for an amount that makes zero sense ( they say I owe {$94.00}. My original payment to my existing vendor was {$250.00} and my new payment is {$240.00} ). I'm not even sure if I should pay them. Please help!

Sincerely, XXXX XXXX
In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a XXXX XXXX credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.
I am unable to join or establish membership though I am qualified. 

Apparently in the past an account was opened in my name, and due to this they are denying me valid membership.
I am one payment behind and spoke with a representive who informed me that Avant will continue to call. This company calls every hour on the hour.
As to date the company has not corrected the insult to my credit report although they wrote and mentioned that would rectify this ASAP. The old complaint number is XXXX Lending Club XX/XX/2018 still reads 30 days delinquent. 
I was just denied a loan based upon this finding. 

The error was on the Lenders part due to false information from customer service
XXXX   XXXX     XXXX   XXXX   XXXX  .
  XXXX   XXXX  , LA  XXXX  I became late with my mortgage due to illness and job loss and was approved for a short sale. I listed the property and an offer was submitted by my Realtor.   XXXX   made a cash offer on the property for more than the bpo. We encounter a problem due to communication : since the offer was from a corporation we were notified that the mortgage company needed articles of incorporations. That information was provided and a later email was sent and it was not sent to my Realtor requesting that they needed authorization from   XXXX   that the person signing the purchase agreement be confirmed that they were authorized by  XXXX  to purchase real estate on there behalf. The authorized person was out of the office due to illness and we had a delay in getting that document. It has been provided and sent to SLS and now everything is in place to move forward with the short sale. I am being told that since it 's 1 day late they are cancelling my short sale. I would like to short sale the property rather than it be foreclosed on. I found my husband dead on the porch of the property and I am now widowed with school age children to care for alone. We the 2016 Great Flood of Louisiana rentals are expensive and my hope is to position myself to purchase a home for myself and children. I have request that the foreclosure be proposed to move forward with the short sale. I do n't think foreclosure benefit anyone ; so I think that I am being treated unfairly. The area is crime ridden which is why my husband was murdered and the fact that we an offer from  XXXX  is a blessing.
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard  inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
I have contacted this company, XXXX in XX/XX/XXXX and XX/XX/XXXX and was informed on XX/XX/XXXX that the debt in question was bought by another company, Multi Source International on XX/XX/XXXX. So I sent a request to validate to the Multi Source International on XX/XX/XXXX and XXXX stated in a letter that they also forwarded the request. But to date, the company has not replied to my attempt to validate this debt that they claim belongs to me. But XXXX continues to report this in accurate debt on my credit file.
Recently, I ventured out on my own as an XXXX. 

I purchased my first new car, as I had been on my bike for the past 3 years. A down payment was required, and new insurance. 

I wanted to come in the following week with cash in hand. XXXX XXXX XXXX said it was fine to post date a check. 

I pulled {$1500.00} from my 401k and deposited it. Inadvertently, I forgot about the insurance payment which was scheduled and it dropped below the amount needed. The check bounced. ( my account shows the deposit, and the transactions stated below -- this was not done on purpose as stated by XXXX. ) To make good, I went to the dealer, with {$1000.00} cash. They did not accept it, and said to wait for the loan company to take care of it. So I did. 

It went to collections. 

Waiting for a large fee from XXXX to come in to my XXXX, and the bill being on net 30 I could not give an exact date to make a payment. XXXX, of Qualia Collection Services, has called my step father, uncle and sister. 

My uncle has never been a reference in my entire life, so XXXX had to look him up somehow, and then left a message about the debt. He ( uncle ) then texted my mother about it. They left messages about the debt with all my family members. 

When I asked her about this she proudly replied collections agencies have info on millions of people. ( on a recorded line of course ) In the meantime, they kept trying to debit my checking account with the routing/account number on the check. This racked up nearly {$300.00} in debit and subsequent overdraft fees. 

I called the bank. I asked to put a stop payment, otherwise Qualia/XXXX/XXXX XXXX XXXX would have continued making charges. The bank refunded XXXX {$35.00} charges, but would not do any more than that. 

Is it legal for Qualia, or XXXX to make debits from the numbers on a check? 

At any rate, I 've sent {$25.00} until the my project fee comes in, at which time I plan to pay the debt in full. 

In recap, Qualia, or XXXX or XXXX XXXX XXXX XXXX debited my account 6 times from the routing/account numbers on the check ( I have the bank statement to show ). They 've researched my family in ways unknown to me and made it uncomfortable and embarrassing. On a recorded line XXXX called me a " liar '' about the architectural fee and stated she would " call my client if she had to. '' Admittedly, it 's taken longer than anticipated to get paid, but I ca n't make it go faster. 

I plan to go to the dealer XXXX XXXX XXXX and pay direct, so Qualia/XXXX does not make a commission. 

In addition, I will write Qualia to stop calling.
Comenity Bank violated the FCRA by not telling me the credit reporting agency used to deny my credit application for a XXXX credit card. Instead I was given erroneous information about the denial. Comenity Bank admitted to the illegal practice in their response to a complaint that I previously filed with the CFPB.
XX/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.
I have had several unsuccessful attempts with TransUnion to have accurate reporting reflect on TransUnion file. As well as, I have not received any information after the initation of an investigation. Issue : Third Party, XXXX, on the behalf of XXXX XXXX XXXX has reported rent payments submitted online to TransUnion. After contacting TransUnion and being advised to have XXXX resubmit reporting to TransUnion. TransUnion has still failed to update my TransUnion Credit Report to reflect the positive reporting. Please assist in having TransUnion to update my credit report reflecting the positive online rent payment reporting for the following Months : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Attached are supporting documents to reflect the information from XXXX showing the months that were reported. Also, attached is the online and cashier check rent payments made to XXXX XXXX XXXX of XXXX starting from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Please assist in resolving this matter quickly and having TransUnion reflect the positive reporting onto my credit report.
equifax has not responded to any of my documentation and disputes relatinf to old files medical collections that are not mine
Statement balance of {$5000.00} was due on XX/XX/2018. On XX/XX/XXXX, I paid the the statement balance off in full, well before the due date. On XX/XX/XXXX, I received a statement indicating I owed {$39.00} in interest charges. There was no cash balance on my account therefore should not have been charged finance charges on the account. I contacted Capital One via chat and was not they did not have the option to waive the charges. The first CSR stated " The amount in question is interest that is owed on unpaid balance from the time between when Capital One calculates the balance due and sends a statement, to the time the balance is paid and we process the payment '' I was then transferred to a " Supervisor '' when I was not willing to accept their response. 
The supervisor stated he also did not have an " option '' to waive the charges. 
Adding insult to injury the statement indicated to avoid finance charges on my next statement on new purchases I should pay {$4800.00} as an Interest Saver payment. 
The information is conflicting and not clearly outlined. If I was to pay more than those two amounts quoted on their statement, it should be included. I am requesting the charges removed from my account, in addition to any other credits they are able to provide for their lack of consistency.As such a largely recognized company they should be a bit more clear and willing to do more for their customers in good standings.
Coinbase has a 2 step verification process that includes texting a code to your cell phone as the second step. I no longer have the phone that I used when I first signed up with Coinbase and so my 2nd verification process is going to a phone number that I no longer have. I have tried on numerous occasions to log in, and then change my cell number so that this would be resolved. I was told that I had to have a Web cam in order to fix the problem, so I go out and buy a web cam and take a picture of both the front and back of my drivers license and then a picture of myself as well. That should be easy enough to do, but when I try to submit the pictures, I always get an error message. So I am still unable to log into my account. I have tried to contact customer service numerous times and have only had one response : " XXXX XXXX replied : Hi XXXX, Thank you for contacting Coinbase Support. 

Im very sorry for the difficulty completing the ID verification in order to recover your account. In order to complete account recovery, your ID must be uploaded by you into our system by webcam, along with a photo of your face ( a.k.a. a selfie ). Unfortunately this process can not be completed using the mobile app. 

If youre having trouble getting your upload approved, here are a few troubleshooting tips for uploading and verifying your ID : - Take the picture in a well lit area. Natural light works best. 
- Try to use indirect light for your ID to avoid glare - Use an up-to-date version of the XXXX browser - Clear your browser cache, restart the browser, and try again. 
- Wait 30 minutes between attempts If none of these steps help, please let us know and we will do our best to continue the troubleshooting process. ''
XXXX XXXX has had complaints filed against him in states across the country. He is on every rip off website that exists. He employs a bait and switch method to draw in business. The CFPB has received complaints in relation to his business practices and has done nothing about it. He was being investigated by the State of Georgia as well. He currently has unlicensed LO 's putting XXXX dollars of business in his name, they do the work and get the loan closed in XXXX 's name, and then XXXX 's company pays the unlicensed employees. The name of this company is ironically Integrity First Financial. If we really want to safeguard customers, then action needs to be taken quickly and swiftly against XXXX XXXX and Integrity First Financial.