WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing things diligently with Equifax over and over. 
I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs. 
They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now Equifax have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way. 
These accounts in question are : XXXX XXXX XXXX ( formerly XXXX XXXX ) -- --  that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing. 

XXXX  ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX and reinserted under a different name to Equifax . 

XXXX XXXXXXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name. 

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain. 

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone. 
My last phone call with Equifax lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts. 
THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.
I saw a promotion for a new XXXX credit card through XXXX XXXX XXXX that said if I spent {$1000.00} in 3 months I would get XXXX points. I was approved for the card and received it in the mail in XXXX XXXX 2017. I did not use the card until I was ready to book my vacation in XXXX XXXX 2017, and spent over well over {$1000.00} then. Months after booking my vacation I did not receive my points. When I called XXXX customer service they refused to give me the points stating that the promotion was for XXXX points at the time when I activated the card. Furthermore, that by the time I activated the card and made a qualifying purchase, the promotion had ended. However, I still see them advertising this promotion. I only chose to open a credit with them, because the reward made the most sense for me at the time. I am still using the credit card, and do not want to close it because of how that would impact my credit. I just want the reward I was promised.
I dont recall ever having a chase account for this amount. I have called them may times only to get the run around by them.
I had a checking and savings account with US Bank from around XX/XX/XXXX until XX/XX/XXXX or XX/XX/XXXX ( not sure on the dates ). Around that time I was purchasing some items, XXXX of these items were {$.00} cents each, and received overdraft charges for these items, I was aware that US Bank was capable of forgiving Overdraft fees in discretionary instances and asked them if they could do so. They told me that they would not reverse the overdraft charges to which I asked them to close my account and told them I would not be banking with them any longer. I have since not received one letter, phone call, email or any other form of communication from US Bank or any debt collectors on their behalf. On XX/XX/XXXX I received a phone call from a XXXX with the phone number XXXX threatening me with a lawsuit and telling me that I would be served within XXXX hours. They told me that I owed {$700.00} worth of interest that had accrued on my US Bank account over the last XXXX or so years and threatened me with a lawsuit in XXXX for damages of over {$3000.00}. I am currently interning with a governmental law office and in talking to some coworkers, I believe that this debt ( 1 ) was not fair in the first place, ( 2 ) had far surpassed its statute of limitations, ( 3 ) that if US Bank was trying to collect on a debt, they made little to no effort to contact me, ( 4 ) if US Bank did not close my account that day or shortly after as I asked them to and thought that they had, I received absolutely no information from them about my account still being open and accruing interest. Unfortunately I have no statements or anything from US Bank that I can upload at this time as I do not know what my account number is ( or was ) or how to gain access to it. I am also hesitant to call US Bank or go in to their local branch- as IF there is a pending lawsuit, I do not want to do anything that I am not supposed to do
To whom it may concern, I have a collection account on my file from a collection agency named  (  Midwest Recovery Systems ). The account is as follows :   XXXX   XXXX   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATIONS  (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical proof  ( M idwest Recovery System s )  is licensed to collect debt in  (  Florida ). Your immediate response will greatly be appreciated.
A friend received about $ XXXX from a sale which was wired to his acct at SunTrust, which already exceeded XXXX. I told him to XXXX some to other banks to keep balances at each under XXXX. He went to his branch in XXXX, VA, where he was instead told the ins is up to XXXX PER ACCT, so half was XXXX into a new acct. Perhaps the person received a bonus as happened at XXXX. I told him that was false, and he returned to the branch yesterday. This time a different desk person was told what my friend had been told previously and that a friend ( me ) had said it was incorrect. That desk person went to the manager with the issue, returning to say coverage limit would be based on beneficiary designation! So this SunTrust branch and perhaps others is giving false and potentially seriously damaging info to customers either out of ignorance or for marketing goals. When I worked at a bank there were fdic brochures. Are there still? If so, staff should be required to dispense one any time a question is asked, in addition to trying to answer the question. There are indeed some fine points involving joint and IRA accts, but the broad SIMPLE headline rule is easy to understand, so the advice given by these SunTrust personnel is unforgiveable. Do something!
Item # 1 : XXXX XXXX  This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.
The representatives of XXXX went to Wells Fargo Bank in XXXX, GA, on Wednesday on XX/XX/2017, and submitted documents on a promissory note. All representatives of XXXX sat in an office as we presented documents in order to process said documents. The intent of visit was clearly stated. Calls were made to confirm if the papers submitted were in process there was one document that needed to be changed and we retrieved the needed document. The Personal Banker said that, " It 's a go '' indicating we were ready to exchange on the promissory note. 
Then representatives of XXXX came in on Friday, XX/XX/2017, He attempted to open a business and savings account, which we did not request and, avoiding the very reason we came into the branch, which was to exchange legal tender ( promissory note ). We explained our intent and he then referred us to another Banking institution of Wells Fargo to speak with someone who dealt with our particular financial needs. We then, met with the Personal Banker 's, referal and then he explained that they do honor promissory notes as legal tender, negotiable instruments. He said we ca n't use our promissory note but Wells Fargo creates their own promissory note. We were then directed to corporate at Wells fargo. Several other calls were made to the corporate offices in California, one in XXXX and the other in XXXX XXXX, in attempts to exercise our rights regarding the promissory note according to the UCC law which is under the Federal Reserves and Maritime Law. [ Admiralty law or maritime law is a distinct body of law that governs maritime questions and offenses. It is a body of both domestic law governing maritime activities, and private international law governing the relationships between private entities that operate vessels on the oceans ]. There were 2 of the 3 callers that were very rude and unprofessional and absolutely hateful and mean, when asked questions regarding their position and if we could speak to someone else in a higher position. We got blown off and talked to as brutes, just overall violated our constitutional and civil rights and turned away without the anticipated services rendered that are due us. The corporate office representatives told us they do n't do promissory notes but two branch manager told us they do them and have done them. We have an actual recording of the conversation with one of the managers telling us that he has done several promissory notes and that Wells Fargo create their own ( PN ) on a certain type of paper. While on the phone with the corporate office representative of Wells Fargo, a call was made to the person we spoke to and we were informed by the corporate office representative, that the manager at the bank said he did n't tell us they do promissory note, it was a misunderstanding.
on XX/XX/2017 a $ XXXXwas billed to my credit card account with Barclaycard XXXX. XXXX XXXX DE XXXX from a company called XXXX this transaction was 1- unauthorized 2- the credit card failed to provide me the original sales draft as they indicated in there letter to me dated XX/XX/2017 3- I did not use any service from XXXX 4- I did not authorize XXXX   to charge my account 5- My credit card was stolen and I advised the credit card company to that effect and they sent me a new card but they failed to disallow the unauthorized transaction. 6- I did not singe any document authorizing this transaction 7- this transaction was a clear violation to the terms and condition between me and the credit card company. This transaction was a clear FRAUD that the credit card co. failed to STOP. 8- After I complained to them they credited my account with the disputed charge but after 2 month they charged my account with the same charges again? I am XXXX years old and totally XXXX and the credit card co. discriminating against me to my age and XXXX. please help me. thank you.
I have been making my mortgage payment in  2  equal payments prior to my due date for the last 2 years. suddenly over the last 3 months payments have been applied improperly and I have received calls asking when payment will be made. When I looked on my account on their web site the receipt of my payment is logged but entered onto account improperly  (  according to them  ) . I am promised that the problem is being fixed and then ( I 'm on hold right now with them ) the next month I receive a call again. Very annoying and time consuming when I am making my payments on time. This time a late payment is added. I 'm told it will be removed. I have been patient long enough. Last year it was my escrow account they mishandled. Very poor processing of payments.
XXXX XXXX XXXXXXXX I contacted XXXX XXXX XXXXXXXX to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted XXXX XXXX XXXXXXXX, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.
Receivable Mgmt Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Mgmt Group The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Mgmt Group is practicing UNJUST ENRICHMENT.
Freedom Mortgage purchased our mortgage from XXXX in XX/XX/2017. Per their paperwork all recurring payments to the previous holder of the mortgage would discontinue. Instead, XXXX has continued to withdraw funds via ACH from our bank, two of those payments were forwarded onto Freedom Mortgage and the rest of the funds are being held by XXXX. I have contacted Freedom by phone, e-mail, and now letter. They have never responded, and my mortgage continues to fall behind due to failure between XXXX and Freedom mortgage. My money is gone from my account, XXXX is the receiver of the funds, they say the do not have, and Freedom says they do not have the funds. I am working with the bank to stop the ACH withdrawal and to retrieve the funds if possible. In the mean time my mortgage is behind and our credit adversely affected.
On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXXXXXX XXXX XXXX service that Chase Bank offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call Chase as they can not help me. I then called Chase Bank and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that Chase identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with Chase. After calling the Chase Bank claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. I will be filing a police report since Chase Bank is unable to assist their customer with his scammed money.
Apparently I have old debt that I never could pay off. It has been atleast XXXX years and I am still getting calls from Portfolio Recovery.
These accounts were disputed as fraudulent and  XXXX ,  XXXX  and tranunion have failed to remove said items from my report as mandated by the fair credit reporting act.   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   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   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  , total  XXXX
I dont owe this company any money. The debt that they are trying to collect is not my debt.
Huntington bank is doing it again. 
They are using deceptive tactics and gaming the system also Reordering and rearranging purchases to collect overcharge fees from customersWhen ever you file a dispute, your dispute is in the trash bin and wont be approved in your favor, actually they will get the money back from the merchant but they will not let you have your money back, dont know if these guys are at all doing their job or just ripping off peopleI GOTCH YOU type of thingthe customer service stuff is horrible and their managers sitting all day long doing nothing than telling their stuff to say sorry or no to customers.
Ok I received XXXX calls from this company sunrise credit in one day and when I called to find out who it was and how many times they are allowed to call me the employee XXXX stated more than once so I asked to speak with a supervisor and multiple times he avoided the question and continued to tell me they did n't call me and placed me on hold multiple times telling because we are on the phone he ca n't see if they called and once more puts me on hold and comes back and tells me that they did call multiple times and I advise him that my rights are violated and to answer how many times they are allowed to call he states that he did n't know that answer I felt this was very unprofessional of the company for them to conduct they way they have and for a supervisor not to know his rules and guidelines I felt harassed
I have been receiving phone calls from multiple numbers and none of them leaving voicemails. I finally decided to answer one and its someone on the other line telling me that I'm 100+ days overdue on my payment and if I would like to make a payment over the phone. I wasn't born yesterday obviously I started asking questions. They had confirmed that they are a collector on behalf of ACS and/or Conduent. I had told them I have never heard of them nor have I received mail of a payment due, late notice of payment, second notice of payment, or even a collection notice. I ended up calling my school about the first week of XX/XX/XXXX and left a message. Just today I got a hold of them and asked to see if they knew who ACS or Conduent is and my school confirmed they are indeed one of the lenders. So I called today and asked them to send me some sort of bill or payment notice or something. I was a student and am making better of life. To better my life and my family we moved out of state, but my mother-in-law lives at my previous residence. The USPS uses mail forwarding that I am currently using. So there is no excuse for me not to receive my mail. Apparently they have already messed up my credit. This is not right. I'm suppose to use telepathy to know who to pay my loan.
On XX/XX/2018 I started a dispute with Equifax on some fraudulent accounts, which were XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Before the 30 days were up I received notice that were sent to my email the items were removed. On XX/XX/2018 I notice the 2 XXXX XXXXs were back on my file, therefore I contacted Equifax again not only Equifax but the Creditors also and provided documents of the police report once again its back in dispute with Equifax. On XX/XX/2018 I sent the same documents to the reporting creditor, On XX/XX/2018 A notice was sent to me advising me that the account is closed and to be deleted form my credit file. On XX/XX/2018 I contacted Equifax inquiring why the items are still being reported as a charge off when it should be deleted per Mr. XXXX XXXX I need to do another dispute on the charges the charges are correct, I tried explaining to him the letter that was mailed out to me and also it states that the company electronically sent a copy of the document he refused and said again I need to file another dispute. The other 2 credit agents removed the items, I don't understand this if the Creditors are letting the credit reporting agencies aware of this misunderstanding why is Equifax refusing to delete the trade lines. I'm also disputing inquiry on my Equifax report, I have an fraud alert on my credit file I don't understand how Equifax give authorization to creditors without identifying if its me or not.