WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing several issues with Equifax for quite sometime now. Several of the issues have been investigated, completed and resolved. Each and every time when I filed my dispute, I specifically requested that Equifax must send me an updated report. I have been asking this, via telephone and mail, many times to Equifax to send me all pages of my updated credit file for my information, verification and records. They have not yet send me a full file copy of Equifax credit report since the completion of my last Equifax dispute and investigation request. I NEED HARD COPY OF MY CURRENT Equifax CREDIT FILE. Equifax must send me copy of my full credit report. Equifax should immediately send me all pages of my full Equifax Credit Report.
The new IRS regulation limiting the IRA rollovers has put a burden on those of us who have saved for retirement and are trying to manage our own investments without paying fees to stockbrokers. IRS publication XXXX, XXXX XXXX, 2014 states that " trustees are encouraged to provide the customer a check made payable to the receiving IRA trustee. '' This would satisfy the trustee to trustee requirement. Citibank refuses to accommodate our request and instead wants to charge us a {$75.00} fee to use the trustee to trustee transfer method. We feel that we have been penalized enough and are at a loss as to how to cope with continuing to have to deal with regulations that are not friendly to the customer. 
We realize that you do n't control interest rates, but before we could at least move our retirement accounts around to get the best interest rate, however meager.
Portfolio Recovery Associates has been harassing me for payments for almost a year when the account has already been paid & closed for years. 

- Many years ago I worked with XXXX XXXX XXXX to clear up my credit card debt and payed everything off in XXXX. 
- Last year ( XXXX ) I started getting letters from Portfolio Recovery Associates stating that one of the accounts was sent to them from XXXX because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment. 
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send Portfolio Recovery Associates people to dispute this debt again and I did but they denied the dispute again. 
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that XXXX deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to Portfolio Recovery Associates and sent them the check copies and ... surprise, surprise ... they denied the dispute again. 
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with XXXX since they were the ones who accepted the payments. 
- And then ... I reached out to XXXX but said they couldn't help me because my account was sent to Portfolio Recovery for collections and had no more records of my account after that it was sent to collections. Dead end there. 
- So then ... I reached out to XXXX XXXX XXXX and they suspected Portfolio Recovery was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up.

PLEASE HELP! 
XXXX XXXX XXXX XXXX
The account below is paid off. 
XXXX XXXX Last reported : XXXX XXXX, XXXX {$51000.00} Good Overview You 've paid off 1 % of the original amount. 
Balance {$51000.00} Highest Balance {$52000.00} Monthly payment {$1000.00} Opened XXXX XXXX, XXXX ( 2 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0
I was paying on my lease almost XXXX/month and I lost my job due to health issues and I am 3 months behind, I paid month to get my account current but the BMW Financial Service want the car back until I get the amount that I owe, I tried to explain my situation but they wont help me. They turn in my account to the debt collector and asking the car back even though I paid XXXX balance to be updated. They keep calling and harassing me, family and former employee. 

I have no choice but to keep the car to find job and I am only asking if they can extend my contract for 2 months so that I am current in my account
Nationwide DMS, representative XXXX XXXX called my co-worker today on XXXX XXXX at a number I did not provide, asked my co-worker if they worked with me. He provided a call back number of XXXX and asked my co-worker to provide his number to me and have me call him. He then asked my co-worker is she was my boss to which she replied NO and he asked for the name and number of my boss, which was not provided. My co-worker now knows that I have a debt collector looking for me and I absolutely did not provide my co-worker 's contact information. 5 calls placed to my direct line at work on XXXX XXXX, 3 calls placed to my cell phone on the same day. Very aggressive collection practices and disclosure of my personal information in regards to my debt.
I did a mobile deposit as I have done for 10 months, they are holding all funds for 2 days. I have always had {$200.00} available immediately.
l went to check in to Cash to get a payday loan. I borrowed XXXX dollars and they gave me XXXX. That is the amount I am supposed to receive I get paid once a month I pay the loan back and that day I borrow the XXXX back. I have been borrowing from this company for at lease 2 years I have never been late and each month i go in to pay this loan. Last XX/XX/XXXX I went to take out a loan with Check in to Cash and they ran my credit they didnt give me the option to choose if I wanted them to do this. I wasnt even asked. They didnt have anything posted. I called and complained and they told me they should have asked me or had it posted. The company also told me it would be removed. They never remove the inquiry. Since that date they have made 2 more inquiries on my credit. XX/XX/XXXX and XX/XX/XXXX. I have called this company corporate office more than 3 Times and nothing has been done about it. They just are giving me the run around.
Original date of loan was XX/XX/2018 with the lender being XXXX XXXX XXXX. When I was approved it was for {$500.00}. After the loan was already on the way to my bank I was informed the payoff would be over {$1800.00}. I was furious about the deception of this preditory lenders and tried to return the money. I was informed to bad to late. After some auto electronic drafts against my bank I tried to reach an agreement with the lender. They refused. These lenders prey on the desperate with deceptive practices. 
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AArgon Collection Agency Open Date XX/XX/XXXX amount {$520.00} XXXX XXXX Open Date XX/XX/XXXX amount {$590.00} XXXX XXXX Open Date XX/XX/XXXX amount {$1300.00} XXXX XXXX Open Date XX/XX/XXXX amount {$500.00} XXXX XXXX Open XX/XX/XXXX amount {$630.00} XXXX XXXX XXXX Open Date XX/XX/XXXX amount {$860.00} Second Round Open Date XX/XX/XXXX amount {$430.00}
I properly disputed a judgment for an unknown medical account and Equifax refused to delete it even though I produced verification that there was no such recorded judgment. Equifax is the only credit reporting agency reporting this and they not only refused to delete but are not marking the account as disputed by consumer. 

I contacted XXXX XXXX XXXX on XXXX/XXXX/2015 and verified there was no judgment recorded in my name. On XXXX/XXXX/2015 I sent a XXXX certified formal dispute letter, with proof, to the credit reporting agencies to inform them that the judgment reporting on my report was invalid. I received replies back and the judgment was removed by all except Equifax.
I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, XXXX, and Equifax. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX XXXX and are under deferment and are not in default. During the investigation process, US DEPT OF EDXXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. Ive made XXXX request total and asked for verification and to request written proof of their finding but was never furnished with any information.
Prohibit of providing documentation of debt not owe. This issue is causing me and my family to be displace from my home. I 'm in the middle of trying to purchase a home. because of this showing on my credit ive been unable to move forward. 

I have called the company on XXXX different times, so had the federal organization. we each have identified ourselfs to get help nothing has happen.
Elan Financial Services as, Washington Federal Secured Visa Services, Accepted Documented Faxes in an Account Tampering by, XXXX XXXX XXXX. XXXX XXXX is using this Ftauded Company Documentation not. to Pay a Claim.This is an Understanding for Frauded Contract Enforcement in a Review for a Law Enforcement Attorney.
Westlake Financial is reporting to the credit buraeu that I am deliquent on my vehicle which I have not had since XXXX XXXX 2016. They refuse to help me in any way. They will not send ne copies of letters they have sent. They recieved a check from company i traded vehicle in at and failed to process check in a timely manner and are still reporting I am deliquent on account when I am not!
On  XX/XX/XXXX  I called Experian to have them remove a debt that has been reported on my account since  XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor Experian could remove this item. Knowing the laws and my rights, I was very unsettled to hear that Experian does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General ' s Office of C olorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for Experian to stop reporting this debt ASAP according to  Federal law .  <P/> Account that is past this 7 year record retention is as follows :   XXXX   XXXX   XXXX   XXXX   Acct # :  XXXX  Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and   XXXX    with a s tart date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX
XXXX XXXX  & Transunion are reporting accounts that I have no knowledge of.
I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this information
i miss a due date by XXXX day and my credit card company increased my rate ... when I had an excellent pay history.
Synchrony Bank is running a scam with their " Card Security '' credit insurance. I filed a claim, it tells me there was an error and the claim couldn't go through. So I go to try again the next day and it says the claim did actually go through, strange. I go to get the documentation that I need and this is where is completely falls apart. There is a place where you can download the benefit form that needs to be completed. THE FORM IS BLANK SO YOU CAN NOT HAVE IT FILLED OUT. I have attached the " form '' they provide for your reference. Right from the start, they are trying to make it so you can not use the benefit. Then I call " customer service ''. These people must have had a script and not enough education to read anything except what was on the script. Questions like, " how long will it take for my claim to be reviewed '' got responses like " oh I don't know, I would have to escalate that and someone will call you IN THREE DAYS ''. Questions like, can I get the form emailed to me get responses like, " Yes, we can email it to you but it will take 24-48 hours and check your spam folder because people often don't get it ''. WHY WOULD IT TAKE TWO DAYS TO GET A FORM? The first woman told me a form was mailed to me. Then the second woman, XXXX who is a " supervisor '' but know absolutely no information about anything, told me she had to request it be mailed. So you don't provide the form online. You don't provide it via email or mail unless you specifically request that, without notification you have to do so, then you can't tell the customers if the benefit form will even be reviewed. She couldn't tell me if it would take 3 days, 6 months or 30 years, for the form to be reviewed, this is how clueless she was. All of this is an elaborate program to ensure that people who have bought the insurance can not use it.
XX/XX/XXXX I had received a voicemail from XXXX XXXX and Case # XXXX to call ( XXXX ) XXXX about a claim she had on her desk. 
I called and it was answered XXXX XXXX XXXX ( ARA ) and my caller ID said the call was from XXXX, IL. I was transferred to XXXX 's extension and was told I have an outstanding debt matched to my SSN from XXXX XXXX and they were attempting to collect. I told her I live in CA, have since XXXX, and XXXX XXXX is an east coast bank. I told her I had NO knowledge of this and she transferred the call to their Legal Dept. 
The person in legal had my personal information and said they had a court order to collect, freeze my current finances and sue me to collect. This person was NOT very nice at all and spoke to me as if I was just another liar with memory loss. I had told this person I had NO knowledge of this. He said they have the law on their side and WILL collect and advised I seek legal counsel. 
I asked the time-frame of this alleged debt, he said it was from XX/XX/XXXX and the last activity was in XX/XX/XXXX.  They claimed that ALL attempts to contact me have failed and gone unanswered. I NEVER received anything to the contrary by mail, email or telephone. I wished him good luck and immediately ended the call. Mind you my phone number is unpublished as well. 
I feel this is some sort of SCAM and will NOT have any further contact with ARA. There is NO such debt on my current credit report ( XX/XX/XXXX ) and feel this is a SCAM on all levels. Hopefully this fraud can be shutdown in its tracks before somebody is actually convinced of this SCAM and actually suffers monetary loss. 

XXXX XXXX XXXX, CA
A debt collection agency threatened to issue a bench warrant and arrest me over a debt from 2014 from a payday lender. The agency made threatening comments, repeatedly called my work phone, and made other harassing comments.
I never receieved anything about these medical bills being sent to collections. Is there anyway I can pay these or set up a payment plan?
Since speaking with my Mother several times after the filing of the above referenced complaint. We were told by an employee at TruHome Solutions to cease the payments in XXXX 2016, then they could send the Hardship Application to be completed by myself and Mother. They continued reassuring the both of us that everything was going to plan and should have paperwork completed soon. 
Then XX/XX/XXXX, we were told that they were refusing to honor the Hardship due to somehow having my name, XXXX XXXX XXXX removed from the mortgage. 
They informed us that if they did not receive the three months payment by I believe XXXX XXXX, 2016, they were taking the house away from my Mother. 
I myself, XXXX XXXX XXXX signed the closing paperwork at the main XXXX XXXX XXXX located in XXXX XXXX, MO. I then traveled to XXXX, MO with my realtor XXXX XXXX to witness my Mother sign the exact same paperwork as I did and traveled back with XXXX to present the completed documents to the original employee that helped us at XXXX XXXX XXXX. 
During the time between XXXX XXXX, and the XXXX XXXX, 2016, there was no correspondence from either TruHome Solutions nor XXXX XXXX XXXX XXXX. No statement ( s ) nor a notice of non-payment. No phone calls or letter of possible default. 
Now TruHome Solutions have blocked us from making any payments online. 
There is something very wrong going on here. My Mother also knew I had/was signing the closing paperwork.
This item from BAY AREA RECEIVABLES, INC. on behalf of XXXX XXXX XXXX XXXX is inaccurate because I was overcharged on XX/XX/XXXX by {$13.00} ( $ XXXX- {$20.00} copay ) as per the provided bank statement. XXXX XXXX XXXX applied the {$13.00} to a date of service XX/XX/XXXX, but the issue is this is fraud as I was not even in the state of Maryland then so please see the attached complaint filed with the Maryland Attorney General on XX/XX/XXXX. In XX/XX/XXXX, after months of investigation the Maryland Attorney Generals office asked that the {$13.00} be credit to the date of service XX/XX/XXXX. Since this would make {$20.00} ( $ XXXX+ {$13.00} ) which is the copay. The account was XXXX out on XX/XX/XXXX and the complaint was closed as we thought it was settled. On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX billing company applied the {$13.00} to XX/XX/XXXX. A month later XXXX XXXX XXXX   XXXX billed me again for {$13.00} as we went back and forth I was told this account would NOT go to collections. On XX/XX/XXXX XXXX XXXX ( supervisor for XXXX XXXX XXXX XXXX ) told me via phone, XXXX XXXX XXXX was again claiming I owed {$13.00}. I explained I did not owe that but wanted to prevent this from FRAUDENTLY being applied to my credit but she refused to take payment and said she would call me in two weeks ( XX/XX/XXXX ) but she never called. On XX/XX/XXXX in protest and with a note that I did not owe XXXX XXXX XXXX anything I paid them {$13.00} again to preserve my credit via their payment portal listed on the bill from XX/XX/XXXX. Now XXXX XXXX XXXX had been paid multiple times for the same thing they decided to again make false and fraudulent claims to XXXX, XXXX, XXXX via Bay Area Receivables. It was not until XX/XX/XXXX when I went asked for a home loan that I was told I had a collections account for {$23.00} from Bay Area Receivables so I was disqualified which was devastating as did not think I had any collections account on my credit. On XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX who put me on hold for a while and said someone would call me back which they never have since this whole issue started. I contacted XXXX XXXX XXXX XXXX and talked to XXXX who said my account with XXXX XXXX XXXX was XXXX out, I should not be in collections and she was going to have XXXX XXXX look into this as well as a refund for me. I then contacted XXXX XXXX of Bay Area Receivables who said I owed {$24.00} for date of service XX/XX/XXXX to XXXX XXXX XXXX and they would remove the account if I paid, so they extorted the money from me as I need to get this off so I can get a home loan and move on with my life. Bay Area Receivables did not send the letter ( email ) to confirm they sent a removal request to your company.
XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( TransUnion, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
I was a XXXX many years ago. I applied for a corporate credit card. I was told over the phone ; while completing the application that the company would have to use its tax ID to apply for credit. Since it 's a corporation I can not be a personal guarantor. The organization went down under and was not able to pay its bill. The business was dissolved and has since been defunct for about 10 years. Since 2011 I 've notice that XXXX judgment was placed against me totaling XXXX. I have no idea why this company is going after me, knowing it is the company that is responsible for the debt and not me. Last year my mother got a letter from a law firm requesting for me to be present. I went and was asked questions without legal representation. I was afraid of what the attorney was asking so I inform the attorney I have legal representation and would not answer any questions. I move a lot because of my mother inability to pay her rent so I usually do n't get follow up mail. HSBC is the company that issued me the credit card for the organization. Their collection agency has went to court in New York and put a judgment against me. I was never served or was informed about anything. Not once I was given the opportunity to give my side.
XXXX XXXX XXXX XXXX is misusing my private information without my consent. I never gave XXXX XXXX XXXX XXXX permission to use my social security number nor did i gave XXXX XXXX XXXX XXXX permission to inquire about my credit. I have no business relationship with XXXX XXXX XXXX XXXX and i did not apply for a loan. XXXX XXXX XXXX XXXX is causing injury to i.