WillisBack/dataset-financial-user-claim huggingface dataset:
Applied for " XXXX XXXX '' payment processor on XX/XX/2017 for my business that I started that same year. 

I was really excited when I came across their advertisement somewhere online. 

Signed up and Finished the process of setting all my information up to get the technology that I thought was going to be sent to me. All I remember with signing up with this company was that as soon as I finalized everything I received 3-4 emails stating I was " denied '' NOWHERE in any terms of agreement was there anything stating that this service was ever going to ran through my credit. I was furious comprehending that I basically " applied '' for a payment processor. 

I called the company immediately and ofcourse they said nothing can be done for me. 

I then looked at my credit karma app to see I had a hard inquiry for basically nothing.
This company called my relative at the above mentioned number repeatedly after I advised that this was a relatives number and not my own. They refused to identify the name of the Company that they represented when ask specifically by my relative in order to take a message for me to call back. They also refused to put the number on notice when requested and continued to not only call the number several times a day but hanging up when my relative answered the call. He finally had to advise them that the had the wrong number and the phone calls have not ceased as of today.
Equifax continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section 1681c does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. TransUnion has abided by the guidelines set forth by the FCRA and removed the bankruptcy, yet Equifax continues with the erroneous misinterpretation of said guidelines.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit report and send me an updated copy when this action is completed.
On XX/XX/XXXX, I stayed at a XXXX XXXX. Prior to staying at the hotel, there was a credit card authorization form completed and on file with the hotel. The hotel required me to use my card in question for incidentals. 

Upon check out, the hotel charged my card in the amount of XXXX us dollars. I did not notice the error until my biling statement. I notified the merchant and the credit card company, Bar Clay 's, of the error. The merchant, XXXX XXXX, has absolutely refused to fix this problem. Barclays denied the disputed charges at first and claimed, Barclays, they never received proper documentation. I resubmitted all of the documents a second time on XX/XX/XXXX at approximately XXXX P.M CT. 

The documents were sent via fax machine while I was serving on XXXX XXXX in the XXXX XXXX. The location was XXXX XXXX, XXXX XXXX. I have receipts proving this. 


Thank you for your assistance with this matter. 


I am doing this from my while away from my computer and can not attach documentation. I will be able to retrieve my documents later. Thank you for understanding.
Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.
Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by TransitionIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " 0 '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but XXXX consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' Doubled '' accounts showing them twice, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.
I submitted a letter to t he Credit Agencies abo ut inquiries on my credit report that I do not recall authorizing and that I do not have active accounts for from those companies who made inquiries on my credit. I also sent all the required information to confirm my identity : name, address, dob, social security number, proof of residence, and proof of identity. I received a letter from Experian asking me to send proof of identity which I sent with all of the original information. This is a stall static and I am dissatisfied with their efforts to verify or remove the inquiries.
Amazon credit card company was transferring companies, and I was unable to reach them for months when I actually had the money to pay off my balance. When they were acquired by a new company, I refused to pay since I had been unable to reach them. My debt was transferred to XXXX.
This is an update to Complaint XXXX. It turns out that in addition to XXXX XXXX XXXX, XXXX, there was a law firm who was the actual Servicer regarding our foreclosure. The law firm was the Castle Law Group, LLC., f/k/a XXXX XXXX XXXX XXXX , of XXXX , Colorado . This firms 's XXXX office was closed by the Colorado Attorney General 's office for questionable Mortgage related activities. The firm has opened another XXXX offices elsewhere in Colorado and at this time can only be contacted at : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Colorado XXXX, XXXX. I received this information through a response from a Utah State Bar Complaint against one of the XXXX XXXX XXXX attorney 's involved with our foreclosure. The local attorney 's ; XXXX ; and this Colorado law firm with held this information. 12 U.S.C. 2601 ET. seq., was not followed. I 've also found out that although the State District Court Judge verbally ordered my wife, kids and myself to vacate our home, a Written Order was never entered into the State Court System as required by Law. There was no entry into the State Court System Computer to back up the Judge 's Order. The Case still shows that it is open. The paper Case file for some strange reason was destroyed this year. Can this case be re-opened. Thanks XXXX XXXX XXXX
I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application.
I have a XXXX XXXX Card with First National Bank of Omaha which is serviced through XXXX XXXX. The XXXX XXXX credit card has a travel benefit that reimburses {$100.00} for Global Entry ( a program that helps passengers get through airport immigration more quickly ) and {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ). On XX/XX/XXXX I paid {$100.00} for Global Entry and after MANY customer service calls to First National and XXXX XXXX I have yet to receive my {$100.00} credit. The last customer representative I spoke to was XXXX with XXXX XXXX and he informed me that I would get the credit " soon ''. This call was made XX/XX/XXXX. On XX/XX/XXXX I paid for an intinary change for {$410.00} and expected to be reimbursed {$100.00} for discretionary airline spending. The story is the same, after many calls to customer service on both ends I still have not received a dime. I hope I have provided enough information. Thank you very much for your help and your continued service. Please have a good day!
At the time of this complaint this agency is reporting a negative account to all XXXX credit bureaus. This agency 's license to collect in the state of Florida was terminated on XXXX/XXXX/XXXX. As such, this agency is illegally attempting to collect a debt and is in violation of XXXX XXXX XXXX XXXX which states " XXXX penalty.It shall be a misdemeanor of the first degree, punishable as provided in s. XXXX or s. XXXX, for any person not exempt from registering as provided in this part to engage in collecting consumer debts in this state without first registering with the office, or to register or attempt to register by means of fraud, misrepresentation, or concealment. ''
On XX/XX/XXXX I received a bill from XXXX XXXX for the amount of {$420.00}. As I don't have XXXX XXXX I immediately called them and asked for a copy of the signed contract with my signature on it. They claimed they would be sending to me within 5 business days and my " account '' would be on hold for until I received it. It never came. Shocking I know. So I called again repeatedly and asked for the same information. A simple verification of the debt. I still have yet to receive this. Then on XX/XX/XXXX I receive a letter in the mail from Diversified Consultants, INC. in the amount of {$420.00} with the original creditor listed as XXXX XXXX. This is a complete outrage, and definitely against the law!! I feel sure this will end up on my credit report next month so I demand you do something about these unfair and downright illegal practices! 

Thank You
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through Ally Financial. A XXXX XXXX XXXX, VIN : XXXX. The vehicle was repossessed on or about XX/XX/XXXX. 
A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$17000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number is : XXXX. 
In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything.

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Additionally, there were XXXX Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own.

When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle.

It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.
I learned via XXXX that Credit Control Service has filed a debt collection of {$200.00} on my XXXX credit report ; however, I do not owe this date and know nothing of it. Credit Control Service appears to be a 3rd party vendor and they have not attempted any communication with me. I believe they are doing this illegally and want the debt removed from my credit report.
I sent Experian a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and XXXX XXXX Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.
I have been dealing with an issue with Navient fka XXXX XXXX for several years now. A private student loan was fraudulently obtained in my name by a former friend. I have told XXXX/Navient on numerous occassions that the loan was fraudulent and they refuse to remove me off of it. The loan was put into deferment, and came due in 2015. The harrassment has resumed ; they call me multiple times a day ( as many as 10 times ), send me threatening letters of legal action, and now have lumped the loan on my online account with my student loans. I have demonstrated to Navient that the loan was fraudulently obtained, I filed a police report, filed a lawsuit against the former friend and won judgement in the amount of the loan, yet Navient will not cooperate ; I have documentation of everything. The promissory note is clearly fraudulent, my information is incorrect, the salary is falsified, and the references used for me are not even people I know, they are relatives of the borrower. Please help me in this situation. I can be reached at XXXX. Thank you.
XXXX original report {$2400.00}. This is a bill that is suppose to be paid through restitution from a XXXX case that is being handled through XXXX, New Hampshire court. The person has not made any payments toward the restitution and he has been in and out of prison since 2011. His probation officer is XXXXXXXXXXXX if you need to contact her. In the mean time I would like for this outstanding balance to not affect my credit.
Due to driving in a rental car and having a faulty transponder, a toll roads transponder payment was not initiated on XX/XX/XXXX. The first violation notice I received was a Collections Notice from XXXX XXXX XXXX, XXXX " XXXX '' in XXXX XXXX. ( Doing business at the time as XXXX XXXX XXXX XXXX XXXX - phone number is the same for both companies XXXX. ) On XX/XX/XXXX I spoke to a representative that instructed me to send in the supporting documents of my active account in good standing with the previously submitted information of XX/XX/XXXX.  Nearly two ( 2 ) years later, I received a new collections notice from XXXX ( dated XX/XX/XXXX ) for the same incident. I responded with a letter and copies of previously submitted supporting documents on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX for additional information. I responded with the additional information and copies of previously submitted correspondence on XX/XX/XXXX. XXXX responded yet again with a letter request ( dated XX/XX/XXXX ) for additional information erroneous to the situation at hand. On XX/XX/XXXX I spoke to helpful representatives that escalated the call to a Supervisor. Finally, no Supervisor came on the phone, but a message from Supervisor XXXX follows : " The rental car needs to be linked to the Toll Roads account. ''
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
XXXX XXXX at website XXXX XXXX XXXXXXXX gave me a loan that I paid off completely account # XXXX. After I paid off the loan I received a congratulations message 2 times from the company and they offered me 2 times more money and a new loan amount. I accepted the new loan and began sending in payments before the due date of XX/XX/XXXX for the new loan. I payed the 1st payment of XXXX in XX/XX/XXXX and suddenly they began sending messages that I owed them a payment and a late fee of XXXX by email all of a sudden. I showed them every email that stated XX/XX/XXXX was the payment due date for the 1st payment although I payed XXXX in advance of that date. I forwarded all the emails ever sent to me about all the dates and payments and receipts of payments to the consumer advocate on their website as well as XXXX to prove that I knew what I was talking about and that they are messy with their books. They reccommended that I call some number and speak with someone who claimed they waived the fee but she never admitted to the mistake. I told her I would email proof and go even further as to file a suit if necessary for them trying to mess with my credit score by denying me due process. She reassured me by phone but not by email which I found to be very suspicous because they add on fees which they magically construe without explanation and then lie about it until you prove that they can be sued.
I've tried many times to resolve this issue over the phone, instead I've been left on hold for a long period of time.Due to my busy schedule, it was very difficult to get this matter resolved. Ive sent many letters to the Credit Bureaus and nothings was done about it.
Someone managed to open a card using my information. Once I discovered the issue monitoring my credit I begin the dispute process with both the company and Equifax. 
Equifax did not speak with me or ask any specifics around the fruad and deemed the account legitimate and stopped investigation. 

The problem now lingers and my credit is being effected as a result of a improper investigation.
I have been out of work for most of XX/XX/XXXX due to moving, illness, and a car accident. I have received repeated calls from Sterling Jewelers/Kay Jewelers during this time in an attempt to collect a payment from me on an account for which I owe less than {$120.00}. I have tried to make the payments when they set them up but with no steady income I have been unable to follow through. They call up to 4-5 times a day, often from different numbers, in an attempt to make me answer the phone I assume. I have blocked XXXX numbers to date that I know belong to this company and yet they still call. They call late in the evening as well. They are sometimes rude and continually ask when I think I can pay and I 've told them I do n't know as I am trying to find a job every day! I just recently was given a position but it does n't start until XX/XX/XXXX and they still want to know when I can make a payment.
A company named XXXX keeps calling my phone and hanging up. 

XXXX XXXX XXXX XXXX After receiving 5-6 phone calls from them in a row, I called back. 

They claim to be collecting a debt for my wife, but they have no documentation, I see nothing on her credit report ... Any attempt to get them to prove she owes the debt are met with threats of lawsuits. 

We just bought a house, we have no collection, no judgements. 

I am tired of being harassed for a debt I do not owe.
While in XXXX, a gas station attendant stole my credit card and fraudulently charged to it. I immediately disputed the charges with Barclaycard. Barclaycard sent me a letter saying that they investigated the transaction and their research indicated the transaction was valid. The letter says that the results of their investigation were enclosed with the letter, but nothing was enclosed. I called to resolve the dispute and spent over 1 hour on the phone, mostly on hold being bounced between departments because Barclaycard could not figure out whether this was fraud or not. I still have not received resolution on this matter. Is their strategy to make customers hold for so long that they eventually give up?