WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my credit report in XX/2016 when I saw a collection from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the reported information as invalid since I initially thought it was related to a missed payment. However, after further investigation I learned that the account in dispute was for an unknown address. Further, I filed police reports with the XXXX XXXX XXXX Police Department for accounts opened with XXXX XXXX and XXXX XXXX. The investigation took over 6 months and was dismissed the XXXX XXXX XXXX ( aka ) XXXX XXXX as Valid since, I did not have a POLICE REPORT attached to the complaint, rather a complaint number ( which I was given ). I received a letter from XXXX XXXX stating that the Identity Theft complaint was closed because I submitted the complaint number. BOTH fraudulent accounts were billed to address I do n't live at nor, have I ever lived there and the suspect was named however, the Police failed to arrest the individual stating that they denied the theft. I too XXXX statutorily too long to resolve the complaint and they have not provided any evidence of how they verified the authenticity of the accounts as required by law. Subsequently, I want the item removed from My CREDIT report
In regard to the EFTA ( Electronic Funds Transfer Act ) and EFT ( Electronic Funds Transfer ) : When I use a payroll advance, the repayment is in the form of an Electronic Funds Transfer. My direct deposit paycheck is immediately taken ( seized ) and applied to my outstanding payroll advance. As explained below, this is in direct violation of the Electronic Funds Transfer Act, Regulation E. My money is taken when I some amount of time to repay it. I could have 30 or 40 days left to pay my advance back to the bank. This often leaves my account at a {$0.00} balance. There are often overdraft fees associated with my account, when I technically have use of the payroll advanced funds for usually 30 to 40 days. I am left with no discretion as to paying back this advance. Fifth Third Bank knows they will get their repayment. This is not just a complaint for myself. This is for all Fifth Third Bank customers stuck in this payroll advance circle. If customers were allowed the entire 45 days, it would assist them in getting out of this situation. I believe these payroll advance products are predatory due to the facts I 've listed above and are not intended to help the customer, but trap them. 
A violation occurs when your are forced to sign away your legal rights provided by EFTA to obtain a payroll advance. A violation of the Electronic Funds Transfer Act, Regulation E occurs when the bank makes it a condition for an extension of credit that repayment will be by means of preauthorized EFT. This is disallowed except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. See excerpt of the EFTA below. 
VI. Other RequirementsPreauthorized Transfers-Section 205.10Compulsory use. The financial institution may not make it a condition for an extension of credit that repayment will be by means of preauthorized EFT, except for credit extended under an overdraft credit plan or extended to maintain a specified minimum balance in the consumer 's account. ( Section 205.10 ( e ) ( 1 ) ). The financial institution may offer a reduced APR or other cost related incentive for an automatic payment feature as long as the creditor offers other loan programsfor the type of credit involved. ( Staff Commentary 205.10 ( e ) ( 1 ) -1 ).
I have overpaid to XXXX XXXX XXXX XXXX XXXX ( hereinafter " XXXX '' ) for benefit to their client Absolute Resolutions Corporation ( " ARC '' ) {$1000.00}. I have been repeatedly assured by representatives from XXXX and from ARC that the overpayment which was received from my employer in the form of wage garnishments that the companies executed, then failed to stop upon receipt of payment in full, would be or have been returned to me. The most recent response from XXXX through the CFPB states that a refund in the amount of {$560.00} was sent to me along with a letter confirming that the judgment was satisfied on XX/XX/2018. As of this date ( XX/XX/2018 ) I have not received any satisfaction letter nor any refunded amounts from either XXXX or ARC. I have contacted 'XXXX XXXX ' at XXXX via phone on XX/XX/2018 @ XXXX XXXX XXXX and was told that the refunds had not been sent and that the XXXX accounting department would be contacted to follow up on the issue. I was also told that the additional {$480.00} which was garnished and sent to XXXX from my employer on XX/XX/2018 could not be located and I was asked to follow up with my employers payroll company for assistance in locating the funds. Both XXXX and ARC submitted responses to my CFPB complaint dated XX/XX/2019 that this matter was either resolved or in the process of resolution. As of XX/XX/2018 that is not the case.

I would like both companies to provide proof of every correspondence regarding this matter that has been sent to me as well as copies of the checks that have been received on this account and refund checks that have been allegedly sent to me on XX/XX/2018. As of this complaint, ARC through it's representative XXXX, owes me the total overpayment amount of {$1000.00}.
Thia company has no real info plus they say this debt was from XX/XX/2010 and when life lock contacted them they couldnt even provode info on what address these services were at i was the victim of id theft many years ago and thia is fraud
On XX/XX/2019, I mailed a cease and desist communication certified letter to XXXX XXXX XXXX   Project Loan Department. On XX/XX/2019, the document was delivered to their office at XXXX XXXX. On XX/XX/2019, and XX/XX/2019, their company violated the Fair Debt Collections Practicing Act by calling me. I have attached a copy of their incoming calls, cease and desist letter, and other pertinent documents to this complaint.
I have received numerous calls from a lawyer, Maury Cobb. XXXX. I don't own any funds to anyone and my credit rating is XXXX. Since my phone number is new and have received a re-cycled number, he is probably trying to reach the person who previous had my cell number. I want this guy to cease and desist.
In XXXX, 2014 we obtained a mortgage loan from Capital One 360 Mortgage Co. One of the account holders is prohibited from accessing any monthly loan statements or other statement whatsoever. The loan is in the joint name of a husband and wife. When attempting to access statements the wife has been refused access to any statement and was told that only the husband may access statements and that he has to have a separate sign in and access code. The wife is the person who initially obtained the loan and handles payments and maintenance of the account. 
Capital One is practicing blatant discrimination against the wife, requires separate access to the account by each mortgagor, and all contact with customer service agents and corporate officers has not resolved the problem.
Applied for a new Credit Card with XXXX XXXX ( XXXX XXXX XXXX . ) and they never disclosed a {$59.00} annual fee prior to the card approval. I cancelled the card at the checkout register and never received or used the card.
A letter was sent to me on XX/XX/XXXX Ref # XXXX stating I was approved the a " XXXX XXXX XXXX XXXX XXXX Account '', and that the card would be arriving in several days. The letter also goes on to say I was evaluated for 2 other cards, and I was declined do to " Insufficient Credit Experience '' I am looking to have my good and long credit history and score remain intact, and the lack of the disclosure for the {$59.00} annual fee was material in my canceling ( a lack of disclosure until after account was opened ). The lack of terms disclosure was irresponsible, and effected my credit score negatively, through no fault of my own.
Furthermore, the Equifax credit information is obviously in error when they state I have insufficient credit experience, as indicated in a letter sent by XXXX XXXX  on XX/XX/XXXX Ref # XXXX. I currently have several other credit accounts in very high standing, and have a good credit history that spans decades.
Please feel free to contact me directly by phone at ( XXXX ) XXXX, or by email at XXXX if you have any questions, or need any further information. Thank you for your help!
On XX/XX/XXXX, I began the process of refinancing my mortgage which is currently held with ( Wells Fargo Financial ), to a new company called XXXX XXXX. In XXXX XXXX and my request to acquire paperwork for the refinance, Wells Fargo Financial has withheld filling out the specific form needed to complete my refinance. This document is a government form called " Request of Verification of  Mortgage ''. Both XXXX XXXX and I have attempted several times to have this paper filled out, and they are refusing.
In XX/XX/XXXX, I tried to dispute a charge on my XXXX XXXX  from a company called XXXX. The charges totaled over {$20000.00} around the time of XX/XX/XXXX.

I think misunderstood my dispute because I got a letter denying my dispute claim for the reasons not being within the 60 days after suspected errors on my statement, However the problem here is not about an error, but instead the reason for my dispute is : I did not receive the product and services as was described to me. I find that not only did they misrepresent and not provide the services, they knowingly mislead me and coerced me in to giving them an outrageous amount of money to purchase the Platinum Ecommerce Website and Stage 3 Marketing Package because I was led to believe I would be getting a website with marketing that was superior to my current online business, yet it was completely under their control. I paid the hefty {$20000.00} for a XXXX site thats is worthless and horrible backend functionality. in the end it has cost me time and money ( due to lack of efficiency ) they have kept my money for a product they never delivered.

PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO OTHERS BEING DECEIVED!
I believe I have Genesis loans from XXXX Colleges and would like to know if they are included in the CFPB settlement. I attended XXXX College in XXXX, from XX/XX/XXXX to XX/XX/XXXX.
I have requested for Equifax to provide me on how they verified information on my report. I asked the following : Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. I asked for them to not provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
And they keep sending the same response with no supporting documents or answers to my requests. No one is reviewing my file, and they must have some type of automated computer generated system in place that is managing these files. It is a crime and I need help with this?
XX/XX/2015, I received a letter from Asset Acceptance , LLC about a debt from XXXX XXXX that I did not know about. I have never had utilities in my name. When I got that letter, I immediately called Asset Acceptance, and requested an identity fraud packet. I received the packet and filled it out. However, they had asked for my address history, and being that I work every day when the Secretary of State is open, I had to get it sent by mail, which took about 4 weeks to get everything situated. During that time, I was in regular contact with the company, and asked for more time, because I was waiting for verification. They extended the time period for the documents needed, and said my wages would not be garnished until the dispute was resolved. I ended up faxing what they needed on XX/XX/2015. Since that date, I have heard nothing from the company. I have tried to call them, and the representatives continue to say that it 's still in the " dispute '' stages, but they have no idea why, and I should be receiving a letter stating the reason. The only letters I have received were both in XX/XX/XXXX, stating that my case is still open, and my wages will stop being garnished until they reach a decision. My next paycheck, and every paycheck after that, my wages are still being garnished. I have tried to call the lawyer assigned to my case, a XXXX XXXX XXXX, around 20 times, and left multiple messages over a 5 month period. Not once did I get a call back. I resent all the required documents by certified mail, along with re-faxed them also on XX/XX/2015, along with a letter that if I did not hear back from the company within 30 days, I would have to take further action. I had included the fax confirmation from XX/XX/2015, so they would know I did send them the information. I also had requested a certified mail signature sheet, which I received once it was delivered. Today is XX/XX/2015, and I have not gotten one letter from this company. I have provided proof without a doubt that this debt is not mine, and my wages are still being garnished. When they were trying to collect the debt, I got multiple calls and letters, even when the account was in dispute. Now, every time I call into the company, they give me different numbers, nobody has any information on my account, and the lawyer will not answer the phone. This is completely unacceptable. I would like to know why my wages are still being garnished, after the company has stated over 3 times that they would not be, and I also would like to know why I am continually being ignored when I ask what is going on with my account.
I made a test bank transfer of XXXX euro from my bank to my new coinbase account on XX/XX/XXXX, i made a mistake of entering the reference number as btc instead of my XXXX digit coinbase reference, my bank say coinbase have received the funds on XX/XX/XXXX, i assume this is why it hasnt showed in my coinbase account, i accept I made a mistake but my money has disappeared and coinbase have n't made any attempt to rectify this and wont respond to my many attempts to contact them.
LexisNexis XXXX ( XXXX ), Motor Vehicle Division or XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX in XXXX, Georgia XXXX gave XXXX XXXX XXXX XXXX negative information on me which caused a higher insurance policy quote. LexisNexis has a " non-working '' system where I can not get a copy of this Free Consumer Credit Report under the Federal Fair Credit Reporting Act. The phone number LexisNexis indicates to call does not understand the English Language. The computer voice keeps saying " I do n't understand '' or " I did not get that '', or it get some of what is said/input, then erases what was recorded/input than starts over again. I called 5 times to get my report and LexisNexis failed to give me the report. There is absolutely no option to get a human being. I called XXXX on this matter as XXXX paid LexisNexis for this service and XXXX was unhelpful. The LexisNexis number is XXXX. Since XXXX refuses to have a human being attend this number with an option if problems arise, they have chosen to be in " non-compliance '' with the Federal Fair Credit Reporting Act. I was never able to get a copy of this negative report LexisNexis gave to XXXX XXXX which caused a higher price.
I applied for a Citigold checking account in XXXX 2015 with a promotion that if I open the account and use their bill pay feature for 2 months in a row I would get XXXX Thank You Points. I completed all of the requirements and then chatted with a Citi representative to confirm that the bonus had been applied. I was told it had and only had to wait 90 days for the points to post to my account. After waiting, the points never posted and thus I messaged Citi again to see when they would post. I then got an email from Citi stating that no points would be given as no bonus had been applied to my account. After being told I would be given the points, waiting and then finally not being given the points I signed up for, I feel this was not fair and thus wanted to file a complaint.
Requested the following information from collection agency three times : Name of doctor this debt is owed to. 
Dates of services provided. 
Procedures that were performed. 
How you determined that is my debt. 
Collection agency deleted the tradeline from my equifax credit report. Has not provided the requested information, and continues to report on my experian credit report.
This {$100.00} XXXX bill, I have no idea where it came from, I dont see my name on it anywhere, it is really effecting, my credit, I need it removed. Please contact me XXXX XXXX XXXX - I am trying my best to clear up my credit. I will Pay the {$100.00} if I have to, but this needs to be resolved immediately
XXXX  XXXX XXXX sold my mortgage to Carrington. I paid my mortgage on time until they took over XX/XX/2018. Now they are saying that i'm {$2800.00} past due almost 6 payments. I was not behind in my payments. And the mortgage statement said this is after they took over. I have all bank statments to prove all the payments I made to XXXX XXXX   XXXX. And the one payment of {$510.00}. Also I wish to inform Carrington that XXXX XXXX XXXX got {$22000.00} and that have flat out refused to show me where the money went. And nobody seems to care. I have tried to resolve this with Carrington about i'm  not past due of {$2800.00}. And all they did was argue. They already trying to pull something shady.
I have received a credit card online from XXXX that I can not use it on it 's website, and had no way to cancel the card. The phone number on the back of the card does not reach a credit card company, it got to a company that sells cosmetic products. XXXX. And no matter how I tried I can not reach a person in the credit card company to cancel it.
XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit. 
I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions. 
I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below. 
I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX. 
Thank you Inquiry details Ally Finan I Inquiry from XX/XX/2017 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2017 Misc. 
XXXX XXXX Inquiry from XX/XX/2017 Automotive  XXXX XXXX Inquiry from XX/XX/2017 Finance  XXXX XXXX Inquiry from XX/XX/2017 Finance XXXX XXXX Inquiry from XX/XX/2017 Finance XXXXXXXX XXXX  Inquiry from XX/XX/2017 Finance Your system only allowed me to report three companies so I reported Ally, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you
For the last 6- 8 months I have struggled with Bloomingdale 's credit card online system to access my account. They created a new system that locked me out of my account for around 6 weeks and I received late fees as a result. After submitting a complaint a few months later prior to me barely using the card, only to buy something in XXXX of their stores, my number was stolen and fraudulent charges was put on my account in XXXX. I was notified and they cancelled the card. The cancellation of the card / account stopped me from accessing my account until today, sending me XXXX replacement cards and opening a fraud investigation they never provided me with the statement that were need to complete the investigations. While I have been locked out with no access to statements, they continued to take automatic payments from my checking account on the fraudulent charges and not giving me the ability to cancel the automatic payments or refunding me the money. I was told no moneys will be refunded until the investigation was completed, there is also no documentation of the automatic payment made on the fraudulent charge except on my bank statement. I am beyond disgusted that they have continued to deny me my basic rights to my account and have continued to hold my money hostage under the circumstance.
On XX/XX/2018 2 Collection accounts were removed as a result of not being able to validate the accuracy. On XX/XX/XXXX these debts were reinserted on my credit reported with no notice per The FCRA. I attempted to resolve the issue with Equifax to no avail. A representative by the name of XXXX promised to give me a call back as it seems that it was a Tech issue that he would attempt to get resolved. I believe this was a stall tactic.
Debt collector claiming to be from an attorney 's office, repeatedly tried to get me to pay a tax debt that I explained over and over was a mistake. He acted like he was going to help me fix the mistake, but did nothing. He lied about submitting my paperwork to the PA state tax department for review ( I submitted paperwork after XXXX and by XXXX he called and said PA Department of Revenue had reviewed - no government agency works that fast! ). He also told me that some items we listed on tax returns were not valid write offs, ie. contract labor on a general contractor 's tax return. When I questioned him about this, he acted like he did not just say it. He called me a liar when I told him a letter sent from the state was not received, and then, even when he stated that the letter was returned as non-deliverable, he still implied I was lying to him. He was very condescending, forceful and deceptive and made me very XXXX about his phone calls. He was trying to get me to pay {$46000.00}. Since I did n't trust that his collection attempts were valid, we checked with the state to make sure he was not a scam artist. We actually owe {$100.00} which we will be paying directly to PA Department of Revenue Pass Through Business office.
" Input SSN is not issued by social security administration '' is on my credit report and I have a social from the Deferred Action.