WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is to reveal the horrible service that I have received from your office. I paid off my account and was promised a Judgement of satisfaction letter. To date I have received nothing from your office but lies and deception. Just today alone I called and was given the run around and was transferred to over XXXX employees and still no solution to the issue. 

I am being held hostage even after I paid off my balance in full. I have not received my paid off letter nor a satisfaction of judgement letter even though I was promised. 

Today alone I have spoken to the following employees:1. XXXX and her manager2. XXXX ( in Customer service ) 3. XXXX in litigation4. XXXX XXXX using ID # XXXX. XXXX XXXX ( Litigation ) 6. XXXX XXXX ( litigations )
Debt was disputed online, Merchants & Medical sent me an inproper validation of debt with no signature or original contract from the XXXX XXXX XXXX which is the original creditor.
I have contacted Equifax 's departments in regards to complying with federal law and statutes on my credit reports under the following federal acts regarding credit reports. The following acts Equifax is not complying with is as follows fair credit reporting act section 609, Federal Trade Commission fair debt collections practices act of Time-Barred Debt of Seven to Ten Years. I have contacted the subscribers of my inquiries and they have advised me they had no issues and to contact Equifax of which Equifax have been uncooperative in removing inquiries as well as an account for XXXX that was written off to collections of which XXXX sent to the collection agency to collect which means they forfeit their right to collect the account. I also tried to report to them about cleaning up and deleting historical information which has lead to identity theft of which I now have identity theft insurance with XXXX companies because of their refusal to purge it and update my records as I requested two years ago. I am doing this as a last resort before I file lawsuits against them in federal court for non-compliance with federal laws and state statutes.
I have disputed this account with XXXX regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *XXXX is stating account type as factoring on Experian, open on XXXX and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( Experian codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX  reflects no payment history *Midland reflects on Experian terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. XXXX did not oblige. XXXX merely sent a statement that did not reflect any comprehensive accounting. 

XXXX did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that XXXX did not provide any credit card agreements warrant this entry to be removed from my credit reports.
For the better part of the past year, we have been working with XXXX to resolve an issue related to an early termination fee and failure to return equipment due to a temporary move to California for work. We were advised by a XXXX customer representative in writing that this error should not have occurred, yet to date it continues to persist and we have received several phone calls and written notices attempting to collect on an unpaid amount totaling {$1000.00}. This amount was acknowledged in an email by a XXXX XXXX XXXX with XXXX as an error on their part and that we did not owe this amount to their company. They have sent this amount to collections ( via Convergent Outsourcing, Inc. Acct No. XXXX ) XXXX now and have failed to act on the agreement they have provided in writing to us. That agreement stated that they actually owed us {$140.00}, yet this has not been refunded accordingly. The XXXX case number referenced in this case is XXXX and through their debt collector as case number XXXX. We have records of over a year 's worth of telephone and email transactions stating that the XXXX 's did not owe the amount requested, yet as of XXXX XXXX, 2015 it still remains unresolved.
Cooper Hoffman Klein & Associates began calling relatives of mine in XXXX. They have not yet mailed or sent any verification of this " debt ''. A week later, i sent a certified letter, which was returned & left s voicemail that under the Fair Debt collection practices act, to cease communication with anyone in my family. They called my employer XXXX XXXX, which they still did n't verify and I repeated to cease communication. 
Have found since they 've contacted XXXX relatives without my prior knowledge.
I attempted to shop for a good rate for a car in XXXX of 2014. I went to XXXX XXXX dealership and I received XXXX hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?
Many years ago, I consolidated my loan with a particular lender because of the incentives that I can earn. I 've earned them, but now my new servicer is telling me they do n't have to honor it. How is this even legal? The incentives were indeed the selling and determining factor. I honored my obligations to repay my loan and earn incentives ; and the lender can escape honoring its incentives by selling the loan or switching servicers.
ON XXXX/XXXX/2015 I PURCHASED A KEY POSSIBILITIES PREPAID DEBIT CARD. AT THE KEY BANK IN XXXX, VT. XXXX. 2 HOURS LATER I LOST THE CARD. ORIGINALLY IT HAD {$400.00}. I CALLED THE BANK IMMEDIATELY AND REPORTED IT LOST. I WAS TOLD I HAVE A BALANCE OF {$210.00} AND A CHECK WILL BE MAILED TO ME FOR {$210.00}. TODAY XX/XX/2015 I CALLED KEY BANK AND THEY SAID I HAD A BALANCE OF {$.00}. THEY MADE A ERROR AND AS IT STAND 'S I AM OUT $ XXXX DID THE RIGHT THING AND REPORTED IT LOST. THE CARD NO. IS XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VT. XXXX XXXX.
Ditech mortgage was showing me as 2 times 30 in 2016. I printed off my payment history from their site and have cancelled checks to prove I was not late ever. Once I disputed with credit and filed a complaint with Ditech they agreed to research then marked me 5 times 30 for 2016. Again, I have never been late with them and have the proof from their website and my cancelled checks. Now they wont respond. I have been adversely affected by this as I can not refinance, and am not able to get pre approved to purchase a home which we were looking to do.
My name is XXXX XXXX, the email account listed on the account is XXXX. I made an online purchase in the amount of XXXX from XXXX XXXX on XX/XX/2019. The funds were debited from my account on that day. The purchase was supposed to be delivered XX/XX/2019. However, the post office said the merchandise could not be delivered and returned the purchase back to the manufacture. At that point I submitted a disputed claim with XXXX XXXX   the company listed on my card, this was done on XX/XX/2019. They took the information, however they never resolved the dispute and I am now I'm out the XXXX. How do I get this resolved
ONE MAIN FINANCIAL - XXXX, TN. Borrowed {$7500.00}. I have paid {$1800.00} on loan and they say my principal I owe is more than i borrowed. They say if i paid it off it would be XXXX and i borrowed XXXX. VERY DECEPTIVE
Upon getting my credit report, I noted an address of XXXX XXXX XXXX XXXX IL on there with a possible loan/store credit card and possibly more obtained/attempted and possibly Utilities use connection using MY NAME. This address is/was my ex-husband and his new wife XXXX XXXX XXXX XXXX and XXXX XXXX. They have tried this before in getting cell phones. I would like more information on what/who they used my info for and what I can do about it Please. These were noted on my Transunion credit report and I am unable to get my XXXX XXXX right away because it shows accounts I do not recognize on there.
I tried to pay the company many times. They sent me emails to the effect that I had paid and then I would call back and try to pay and they would keep take my information and run it as an e check. My bank does not take e checks. They kept telling me that they were putting it in correct and they didn't. Although I tried to pay they kept running it incorrectly. They the. Reported that i was not paying on my credit card dispite the fact I kept trying to pay them. My report reflects like I was not paying, but they were not running my card correctly.
I submitted a dispute to Citibank on my credit card with them. I had an unauthorized charge on my account from the XXXX XXXX XXXX for {$230.00}. They have not reversed this charge. I would like this charge removed from my account.
I had a bank account with Chase Bank, I was expecting XXXX checks from a former employer, I had not checked my account all week when I checked on Monday and then Tuesday I saw XXXX checks XXXX of {$1400.00} and another of around {$900.00}, I thought those were my checks, I went Wednesday to a Chase branch to withdraw the money to make certain adjustments to my vehicle and found out that my account had a week that it was frozen with restrictions because some one had stolen my card information and set up several deposits and withdrawals during the weekend which never reflected on my online banking with Chase. Chase failed to inform me via email, phone call, anything, I received a letter about a week later about my account being closed and the fraudulent checks being deposited on my account, after I had already filed a complaint with chase to release my funds that were on my account, Chase has denied my claims due to the fact that I had logged into my online banking and state I never reported the issue and claim the deposits were done with my ATM card, which I had with me at all times, I filed an executive complaint and emailed my work schedule proving that I was at work while all those transactions were being done.
Citi Corps calls some days up to 9 times per day. I have phone log to prove it. They start at XXXX XXXX. can do not stop until XXXX XXXX. They also have a number displayed that I have tried to call back, it will only ring twice and cut off. They also call here with a message in XXXX. I speak English only. They are breaking the law by their harassing phone calls. They also have called on Sundays which I requested months ago for them not to call me on Sundays.
An item which originated in XXXX of XXXX from XXXX XXXX XXXX appeared on my XXXX and XXXX reports in XXXX of XXXX. I contacted XXXX XXXX and the only information they have on this is index data which indicates the item was sent to collections in XXXX. It is now being reported with an " Open Date '' of XXXX XXXX, XXXX and XXXX XXXX, XXXX, respectively. It has obviously been re-aged. I was never notified of this collection attempt via U.S. Mail or telephone. I will send out letters to the agency next week after XXXX with a demand for supporting documentation.
Sent a letter on XX-XX-2018 to validate the debt. Fair Collections and Outsourcing sent a letter stating that I owe XXXX not Fair Collections and Outsourcing. The amount was different. It says I owe XXXX on my credit report. In the letter it states I owe XXXX.
The company Stallings Financial Group has been harassing me and threatening me about a debt for a doctor that I visited. I explained to the person that I was going through financial hardships and that I was unable to make an arrangement at that time. I asked to speak to a supervisor and was told he was the supervisor. I have a very sick child and have lost my job due to budget cuts at my company. The supposed supervisor was extremely rude and belittling during our brief conversation and exhibited the worst customer service I have ever experienced.
I have disputed an account with XXXX XXXX dated XX/XX/XXXX for account # XXXX, requesting any all documentation bearing my signature. Which they failed to do. However in their reply I received back from the company, it shows last payment date of XX/XX/XXXX, along with a transaction summary regarding a completely different account number and name on it. I have also disputed the three credit bureaus which say the account has been verified. I demand that this account be removed from my credit file immediately,
On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... XXXX. XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , MN where I used to live before ). I have been in state of Alabama since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.gov/faq/consumer-protection/report-identity-theft, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX
I refinanced my mortgage with another bank XXXX/XXXX/2015 and according to the laws I was to receive my escrow balance returned to me no later than 30 days. I have not received it and due to the fact they did not pay my flood insurance on time ( 30 days late ) now my home owners is due along with my taxes and I just want my escrow money so I can pay them. I am tired of fighting with these people to do the right thing and conduct business in an ethical way.
Spoke with XXXX XXXX from National Credit Systems in XXXX Ga, several times regarding my collection account. She notified me of the amount that was owed. In addition, explained I could pay as low as $ XXXX/ month, to prevent my account being reported to the credit bureaus. I asked repeatedly what all necessary steps I must take to get this account situated without being reported. She explained as long as I make the monthly payments, and call her to verify the transaction approval ; my account would be satisfied. I asked if it would be okay to pay the account online with my credit card. XXXX confirmed that method of payment would be sufficient. I agreed to pay $ XXXX/month, and received verbal confirmation from XXXX. As I continued to make the payments in XXXX, XXXX, and XXXX. I was notified that the account was still reported to the credit bureaus in XXXX due to neglect to make on-time payments. I contacted XXXX directly to dispute the concern ; I explained to her that I received a mailing notification that my account was reported even though she stated several times it would not due to my on-time payments. She placed me on a brief hold to research the account. Shortly, another woman picked up, and explain XXXX was with another customer and she would be handling my concerns going forward. I explained to her my situation. She confirmed that XXXX provided me with false information. I needed to setup re-occurring payments through my banking account, and paying online with a credit card was not a qualified method of payment. I asked could this be disputed due to negligence on National Credit Systems representative providing me false information. She explained that they could not dispute the charges despite I made on-time payments, but was giving false information of the method of payment. I asked to speak to a manger/ or supervisor. Once I spoke to the supervisor, I explained my situation. Once again, I was told they could not dispute my case. In addition, the supervisor said my $ XXXX/ month was too low of a monthly payment. I explained to her that XXXX told me I could pay as low as $ XXXX/month. She continued with saying I needed to pay the amount in full over the phone that moment to have the situation handled. I explained to her that it was unfair that my account was reported even though I made on time payments, but have to suffer due to her representative providing me with misleading information. I made on-time payments, and I was never told I had to specifically setup reoccurring payments with my banking to prevent my account being reported I was told that all calls were recorded for quality assurance, and legal purposes. I asked to receive a copy of the recordings, to have proof that I was giving false information from my account representative, therefore I could dispute the case on my own. The supervisor explained, that the recordings were property of National Credit Systems, and she would not release them to me. I explained if I could not receive the recording, that I may have to take legal actions ; due to Misrepresentation, Misleading Information, and/or Fraud.
I originally borrowed money from Greentrust Cash because I was in a pinch - I believe the original amount was {$500.00} - I was aware that it was higher than average interest rate but was led to believe that at least some of the money was going towards the principal - I was also unaware that this type of loan is not legal in Pennsylvania and that the state is suing companies that hide behind the tribal law. I continued to have financial difficulty and in XXXX I still owed {$570.00} - I asked for help with arbitrating a settlement after receiving threatening emails and calls - I received on on XXXX stating they would use all my info to contact me and proceeded to call my place of work and state who they were - they also stated then that my amount was now {$800.00} - I continued to try and have this account negotiated and 9 months later they still have not -
A debt of what was recently said to me of {$810.00} was a result of an overdraft fee from 2006 by a bank under FDIC. A phone call was received by company who was tasked with contacting me to deliver a summons or something to that effect provided me with the information of the attorney 's office that accepted the case. When I proceeded to contact this office a representative of this office did not fail to enforce understanding upon me of severity of paying the amount in full or be taking to court. However as I requested detailed information of the matter by rights of the first initial contact received, the representative refused to provide any information. As a military service member I then proceeded to take the matter to the Judge Advocate General who in representation of me attempted several times to speak with any representatives in that office and none answered or return a call on the matter.
The inquiries were not listed on my credit report on XXXX XXXX when I just recently checked my credit report they were reinserted on my credit report in addition I was not notified 5 days prior to them being reinserted back on my report.
i have 4 unauthorized transactions on my business checking account which i did not authorized. i have contacted the bank and filed a claim but my claim was denied without any investigation or reason. i have never authorized those transactions. please help XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$860.00}. 

XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$220.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$75.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$490.00}
We submitted a modification package and filed a complaint ( XXXX ) in XX/XX/XXXX, and submitted a modification package per their request and the additional documentation you mentioned on XX/XX/XXXX. We received a letter of denial on XX/XX/XXXX. The reason for denial was they stated my income was {$11000.00}. As a result of this denial we resubmitted a complaint # XXXX with reference to our account XXXX. We additionally sent an entire new package with all our updated information and financial statement. Additionally a letter explaining our request was sent to Ditech to please review the information. That information clearly showed that our average monthly income at that time was not the {$11000.00} but was a maximum of {$9600.00} and asked for a complete review. The documentation was sent via UPS overnight on XX/XX/XXXX and delivered on the XXXX. In that overnight we included a letter outlining our request. To our surprise we received a letter dated XX/XX/XXXX and again on the XX/XX/XXXX stating everything they had in the first denial. In other words they never reviewed the package because their reason for denial was referencing the pay through XX/XX/XXXX and not the new data. No time was wasted as they sent it to foreclosure and we received a document filed on XX/XX/XXXX stating the property had a sale date already of XX/XX/XXXX. We additionally received your response dated XX/XX/XXXX. In that letter you mentioned if we disagreed with the income increment that was stated we could file a request to review. Obviously we definitely disagreed and that was why we had attached the information confirming our pay. They just never looked at what was sent to them. We are asking for someone to please open their eyes and review. Because my income at my prior employer was dropping every month as of XX/XX/XXXX I have taken a new position with XXXX I am only guaranteed a {$5000.00} per month pay so I will send new pay stubs to confirm. We need someone to review this properly as our desire is to keep our home.
I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for.
We pay monthly electronically to Florida XXXX to be able to come and go through Florida and Georgia Highways with tolls. Georgia continues to send us toll violations in the mail, then they report us to the collection agency called XXXX XXXX XXXX XXXX. Then when I call XXXX XXXX XXXX XXXX, their system hangs up on me 4 times. It is impossible to get through to them to explain that this is a debt we should not owe in the first place.