WillisBack/dataset-financial-user-claim huggingface dataset:
The General Revenue Corporation are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.
There is a debt from a company called Diversified Consultants stemming from an XXXX XXXX XXXX XXXX  equipment return. Ive returned the equipment and spoken each of the companies who have both confirmed that no debt was owed anymore. This was opened XX/XX/2018 and there is absolutely nothing I owe at all. Please help me delete this from my credit report. Ive done everything Inwas suppose to do.
Company states fake phone numbers are " purchased '' by the company, yet they are owned by people not associated with the company. It is called XXXX search. Easy to find out who owns the phone numbers and easy to find out when the phone number is called back that it does not belong to SIMM Associates. I DO NOT ANSWER CALLS FROM NUMBERS I DO NOT KNOW. THIS HARASSMENT HAS BEEN TAKING PLACE FOR SEVERAL MONTHS. Caller ID spoofing is ILLEGAL. Company also states I will no longer receive calls from them yet I have received 3 from them AS OF XX/XX/2018 still using FAKE local numbers, leaving NO MESSAGE. I NEVER SAID I WANTED A CALL BACK FROM THE COMPANY. SIMM ASSOCIATES IS A SCAM. I have NO BUSINESS with this " company '' nor will I EVER give any money to a company that illegally hides their caller ID information behind fake local numbers not owned by the company. SIMM Associates is a fraud. CFPB closed my previous complaint without a response from me to the company. Not happy about CFPB actions either with regard to this matter.
Allied Interstate has called my place of employment and harassed people I work with while disclosing that I have undpaid debt to people I work with that is not myself.
I have tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to fix these issues with Equifax . To dispute this inaccurate information which is violating my consumer rights. XXXX  account # XXXX and XXXX XXXX XXXX only the one opened on XX/XX/XXXX have been disputed for mulitple inaccuracies. The most recent in results says that this was verified. HOW? where is the proof of my signature? where is the signed contract? 

XXXX XXXX is reporting inaccurately because : -how is it opened on XX/XX/XXXX and deliquent on XX/XX/XXXX? It doesnt make sense -5 months recieved payments? when? payment amount? 
-How is this account not reported until XX/XX/XXXX? 
-No close date reporting? 
- and reporting open? No credit limit? 

XXXX XXXX -how is this past due and charged off?? 
-no date closed yet? ITS CHARGED OFF? Its not OPEN!!! 
-How is the charge off amount higher than past due balance? 
-Where is high credit? Credit Limit? Payment amount? 
All these are clear violations of my FCRA and FDCPA rights as a consumer.
On XX/XX/2017, Equifax announced a cyber security intrusion that has exposed personal and sensitive information on me. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Even then the website used to identify if your information was exposed was disorganized, often not usable, and very frustrating to attempt to use. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs, FOR FREE, as a result of negligence in handling personal and sensitive information. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. Equifax has known about this issue for over a month and has now only chosen to notify the general public and those like myself.
The account XXXX  XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to XXXX  and Transunion but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
i repeatedly tried to contact midland funding llc about a settlement of a XXXX credit card bill they never returned my calls are contacted me instead they turned it over to a law firm for legal action i contacted the law firm after numerous attempts finally got ahold of someone and made arrangements to pay XXXX to settle this account which i feel is a ripoff of XXXX
TransUnion credit buearu refuses to delete any hard credit inquiries I have disputed that are listed on my credit report
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was looking over my paperwork, and saw how bad I am being cheated. This XXXX grand caravan, blue book value is XXXX, they got me owning XXXX. Mississippi rate should be 8 % they got this 11.20 %. They also told me I had money coming back off my old agreement he said I would get a check, I waiting about two weeks it did not come I called he said it went on your down payment. But it 's not in my paperwork. It was about XXXX dollars. I need help with this. My payment is XXXX, XXXX on van XXXX a month finance charge. 
XXXX XXXX XXXX
Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Transunion stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Transunion did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. yet they have not.
Since I first filed case numbers [ Case number : XXXX ] and [ Case number : XXXX ] my checking accounts ending XXXX and XXXX were closed. Also I was reported to XXXX which prevents me from opening another checking or saving account. In addition I 'm receiving collection calls and letters. The collection letters state I owe {$700.00}. US BANK stated I owed {$300.00} in its response letters for [ Case number : XXXX ] and [ Case number : XXXX ]. We definitely have other issues we must address. One very serious issue is after I filed the complaint US BANK closed both my checking accounts ending XXXX and XXXX. Second issue is I began receiving daily collection calls from XXXX. on behalf of US BANK? On or around XXXX XXXX. 2015 I received XXXX collection letters from XXXX First collection letter says balance due ( {$470.00} ) for US Checking Account ending in XXXX. XXXX collection letter says balance due ( {$300.00} ) for US Checking Account ending in XXXX. Also I was reported to XXXX? I sacrifice {$800.00} in payments to prevent US BANK from closing my checking accounts, reporting my accounts to XXXX and collection agency. US BANK overdrew both checking accounts by taking payments from my account? Yes I did agree payback overdraft fees thru US BANK payment plan but I did not agree to US BANK automatic withdrawals if the payment is not made on the XXXX of each month? US BANK only inform me to make payment on the XXXX of each month. No one from US BANK stated if I did not make payment on the XXXX of each month that US BANK would go into my checking accounts withdraw funds and overdraw my accounts? My accounts were overdrawn by US BANK due to not enough funds. US BANK said I owed approximately {$1100.00} in overdraft fees. I paid {$800.00}. US BANK received more than half of what I owed in overdrafts fees. This is very unfair to me as a customer. I doing my best to make good on the arrangement I made. I work too hard to be treated so unfairly by US BANK. Banks should n't be able to charged overdraft fees when using a debit card. Example lets say the Electric company puts a charge through for {$100.00} using debit card and your balance is {$50.00} so the charged is denied but you are still charged {$36.00} overdraft fee? This is highway robbery. We work way too hard to be robbed like this by banks. I would like to open new checking accounts. I would like the {$300.00} debt now cancelled in full. I would like my name removed from the collection agency and XXXX. I would love some type of compensation for all this stress.
On or around XXXX XXXX, XXXX, I contacted XXXX and Experian in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to XXXX and Experian for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX  After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( Experian )
In XXXX I owed Citi Card XXXX. I was undergoing some very severe hardships due to my husbands illness. I had to cut back on my job. I finally agreed to start paying back the debt. I thought the fees stopped accumulating when I stopped the card. I had them take XXXX a month out of my bank .This went on until XXXX. I noticed I had a few extra dollars in my account. When I spoke to a lady at my bank she said it was no longer being taken out. I got the number from her. She said it wasn't like a normal withdrawal. The only communication I had in all this time with Citi was a letter stating they would be withdrawing their money. There was no balance or any communication.So I just assumed they were paid. Then I get a letter from XXXX XXXX saying they had taken over the account. This was in XX/XX/XXXX. The balance was XXXX had called Citi Cards and got someone who spoke ragged XXXX and when I tried to explain why I was calling I got an mean attitude. So I called XXXX. The gentleman I spoke with was very nice .He said he would send me what they had got from Citi.I feel like Citi continued to charge late fees even after card was canceled.
I HAVE A {$79.00} BILL IN COLLECTIONS I WAS NOT AWARE I EVEN HAD THE BILL APPARENTLY IT WAS FROM ALMOST A YEAR AGO, I PAID THE BILL AND ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND THEY SAID THEY WOULD, TWO MOUTHS LATER IT IS STILL ON MY REPORT AND IM TRYING TO GET A LOAN, MY MORGAGE COMPANY TOLD ME TO CALL THEM AND ASK FOR A LETTER SAYING THEY WILL TAKE IT OFF MY CREDIT REPORT, THEY SAID THEY CANT DO THAT, THAT ONLY THE CREDIT REPORTING AGENT CAN DO THAT, MY MORGAGE COMPANY ASSURES ME THAT THEY HAVE TO DO IT AND I DONT KNOW WHAT TO DO AT THIS POINT. 

KEYBRIDGE XX/XX/XXXX Open XXXX XX/XX/XXXX XX/XX/XXXX Placed for collection Collection XXXX, XXXX, XXXX KEYBRIDGE XXXX XXXX XXXX XXXX, XXXX, OH PHONE ( XXXX ) XXXX
I was billed {$10.00} for temporary removal of credit freeze on XXXX XXXX, 2015 by Experian Credit Bureau that never took place. The auto dealer could n't get the credit report ( he showed the locked credit report statement ). I called Experian for a refund and they said XXXX is on the way but I never received it. This time I got charged XXXX times {$10.00} transactions on my credit card ( total of {$50.00} ) on XXXX XXXX, 2015, but once again a different auto dealer could not pull the credit report. I still do n't know why I was fraudulently charged XXXX times for transaction that showed error message when I initially tried to place a temporary release via the website. I spent over XXXX hour calling XXXX different phone numbers, on three different days, talking to XXXX different people, and kept getting a run around. I have {$60.00} worth of fraudulent charges on my credit card by Experian and no one over there knows how to fix the issue. I can NOT believe government regulators are letting a credit bureau keep track of credit information when they have committed deliberate act of fraud against me and XXXX of other customers. If CFPB wants to help consumers, this is a perfect place to start with investigation of credit buearu compliance. Checking other internet websites, Experian Credit Bereau has a repution for steeling and committing fraud against innocent individuals!
The banks processing of transactions is always a day  or two beh ind which can lead to false account balance. Also rather than take foreign ATM fees out immediately they wait till statement ends and add them all together and if you do n't have the money in your account to cover them charge you overdraft fee.
I have been attempting to resolve a debt with Calvary Portfolio for a while. I do not know what this debt is for. I previously sent a few request to this debt buyer requesting they provide me with a contract or documentation bearing my signature showing what I agreed to, the terms and conditions involved, and when I entered into this alleged agreeemnt. To date this company has intentionally negated my very specific request. They provided me with a letter offering sympathy for a payment plan and one print out of what is supposed to be an alleged debt. There is no signature and the file of evidence is incomplete.
I have discover credit card account. I access it from my desktop computer using Windows 10 Operating system and firefox as a browser. Every time when i try to login - this website think that I am not the right person and challenges with the security code. Either i need to get it on my cell phone or on my email. Even if i check the button " remember my computer '' it asks me again and again ... .very frustrating.I am not deleting my cookies. Already reached to Discover via secure message center but i do n't think they will be of any help. Last time they disabled my discover bank credentials also and i end up with lots of issues. Working with the online website of discover is really painful, frustrating and total waste of time. Their entire IT operations should be scrutinized. I am attaching the screen shots and the email communications. As you can thrice in a day ( today ) -I was challenged to login to my account and then it sent me code on my email. Also i checked the " remember my computer '' button also. I had been telling this to Discover for long time.
I am in collection with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX. I have asked XXXX XXXX XXXX XXXX XXXX for proof of purchase and cash advance receipts to prove I actually used the money. I only received back payment histories.
I spoke with my branch of M & T bank on XXXX XXXX in XXXX XXXX. I was told that I could not add more than one beneficiary to any new account. That in order to have my husband and XXXX children as beneficiaries as I had done in the past when the bank was XXXX XXXX, I would have to open XXXX separate accounts whether they be checking, money market or cd. I called other M & T Banks in XXXX XXXX and XXXX, XXXX and they do not have this rule. I called the M & T Service hotline and they connected me to XXXX XXXX XXXX in XXXX, XXXX who is the VP of XXXX branches XXXX XXXX XXXX. He said that this was true as an internal decision and there was NO written confirmation for account holders and he would n't give me internal memos. The bank claims that ALL banks in the US will soon be doing this. Not only is opening XXXX accounts cumbersome record keeping, it prevents me from accessing higher interest rates that vary with the amount of money held in a single account. This internal rule would also require me to make XXXX withdrawals every time I did to keep the accounts even to be fair to my beneficiaries. I argued with XXXX XXXX that this was an account change and should be in an account agreement and he said no it is an internal change. There is NOTHING in writing for consumers. Needless to say, I will not continue to bank at this M & T branch.
My husband and I have joint checking account at Citizens Bank in XXXX, PA. Last week he presented his payroll check to be cashed on Friday and it was denied. Saying that the funds would n't be available until SATURDAY! Never in our lives did we have a payroll check denied on a Friday. I was livid and called the manager. she made and exception and told me that everytime he would bring in a payroll check he would have to ask her to have it cashed on the Friday it was presented. The company he works for is actually only about XXXX from the bank. No history of complaints, it 's just their POLICY! We think this is terribly wrong, never had it happen before anywhere! Please report this and help us find out how in the world a bank can refuse to cash a payroll check when presented? Thanks so much, we are pretty much done with the banking system - XXXX and XXXX XXXX
In my case, Ive asked for proof of the debt, but Ive only received bills. The Fair Debt Collection Practice Act states ; The Fair Debt Collection Practices Act ( FDCPA ) gives you the right to ask for verification of the debt and proof that the collection agency has the right to collect the money. The law also states that by disputing the collection, the collection agency must stop trying to collect until it provides written verification of the debt. Ive made a attempts to verify and make payments on accurate accounts. But those attempts have been repeatedly denied. In the letter sent, it states that this isnt stating that the debt is owed, but advising that there is something showing on credit that needs attention. This is the 3rd attempt to ask for proof of debt with LVNV LLC. However, the company is showing listed under Resurgent? Im unclear or unsure who debt this account is listed under. This company has also made attempts to contact under multiple different numbers listing Arkansas area codes. But when researching both names the numbers are showing XXXX ( XXXX ) numbers. Im asking for proof of this debt with both companies. According to the FCRA, this is my something that I am allowed. I reviewed the statements that you submitted ; however, I am asking for proof of this contract for this account ; and proof of contract with your companies. Please also verify that you are licensed in the state of Arkansas to Collect from both agencies. IT IS HEREBY RESOLVED that the Arkansas State Board of Collection Agencies recognizes as exempt from collection agency licensure in Arkansas any entity purchases or receives an assignment of ownership of a debt that is in default at the time of assignment provided that the debt buyer : 1 ) does not attempt to collect debts directly either for itself or others ; 2 ) undertakes collection efforts solely through third-party collection agencies or law firms ; 3 ) maintains no place of business in Arkansas. This resolution is not a change in the law ; rather it is a clarification of existing law. Thank you for time as we try to get to the bottom of this matter.
On or about XXXX XXXX I received notification from my employer 's health plan that their database was compromised. They then offered me an ID theft protection plan. I checked all my records at that time and found nothing was affected.. When I went to file my taxes, I come to find out that my SS # was compromised and they took my tax refund. This was cleared up by the IRS for that year. Then in the midst of doing my taxes for the following year and secondarily at the request of the IRS an audit was requested. I come to find out that my SS # was used to get a vehicle loan in the state of CT. This was reported to the IRS and now they are requiring me to pay a tax penalty on this loan that I DID NOT report. In conjunction with my CPA and the theft ID program I/we have been attempting to get a letter from XXXX XXXX XXXX indicating that this is a fraudulent loan and that a letter is needed from them saying that so that I can turn it over to the XXXX XXXX of XXXX I have sent several letters and along with several phone calls have tried to get this resolved. They keep sending the information to the wrong address or they keep giving me the run around as to who to call, they never give a name of a person to speak with.
I have disputed the fraudulent accounts listed on my Equifax Credit report multiple times - I was a victim of identify fraud years ago and discovered them - not to mention a victim of both Equifax and XXXX 's information breaches. I obtained a police report, provided my identification, and my proof of address and submitted disputes to XXXX, XXXX   and Equifax. It did take some time but after months of verification, reinvestigation and working together with the credit reporting agencies, both XXXX and XXXX   removed the bogus fraudulent information and corrected all of the errors on my report. Equifax who have all the exact same information on the errors have deleted non of the error from my report. Therefore, XXXX  shows me with excellent credit and a FICO score of XXXX, XXXX shows me with excellent credit and a FICO score of XXXX and Equifax shows me with very poor credit with a FICO score of XXXX. 
I will be retiring soon and found the errors as I started to prepare to sell my real estate property to look to by a retirement property and discovered I had to delay until I clean this mess up. Equifax if harming me in an unmeasurable way. They were the most reckless with my personal information and are now making it impossible to clean up their mess. They should be fined and in fact prevented from handling any ones personal credit information all together.
Multiple times I have sent TransUnion disputes on the following inquiries and they have failed to properly investigate or look into the issue.     These inquiries are fraudulent and not mine.     *   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  I -  XXXX   XXXX ,  XXXX  *   XXXX   -  XXXX   XXXX ,  XXXX  *  XXXX  -  XXXX   XXXX ,  XXXX  *   XXXX   XXXX   XXXX   -   XXXX   XXXX    XXXX   XXXX   XXXX  -   XXXX     XXXX ,  XXXX  I have been a victim of True Name Identity Theft and they have more than sufficient amount of documentation to prove this. I have also attached the police report for these inquiries.