WillisBack/dataset-financial-user-claim huggingface dataset:
AmerAssist is continuously calling me regarding a debt that my mother has with a    XXXX   XXXX   . I am power of attorney for my mother and signed no documents taking responsibility for any debt in my mother 's name.  AmerAssist  had made an inquiry on my personal credit report and has threatened to report this as an unpaid debt. I know they can not legally do this. But I simply do n't trust them. They have already lied to me advising me that as POA, I am responsible. I know this is n't true.
I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against Equifax regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Equifax and to XXXX numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score for me.
I have had a credit card with Bank of America ( BOA ) for  years. It has always been set up on an autopay system. Apparently, 10 months ago they change the payment amount and neglected to inform me of this action. I finally received an email from BOA stating my account had been closed and I owed a minimum payment in excess of {$700.00}. Upon inquiry I was apprised of the above information and informed that they had been sending emails to a defunct email account, which has never been a primary. When I inquired as to why they finally sent the information to my operating email account following 10 months of insudfficient payments, they had no explaination. So my account with BOA has been closed for non-payment and I have been charged interest and fees which are unwarranted as I never received notice. They obviously know how to email me, and I have not moved. I find this conduct unconcionable.
I tried to contact Experian to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Experian did n't respond to me. Please lock and place a freeze on my credit report and credit score.
I have not been able to get a loan for a week because the app unconnected from my bank account.
On XXXX/XXXX/XXXX, we deposit a check in my account for {$2800.00} after calling the bank it originated from and verifying it 's legitimacy. On the day we deposited the check, our bank locations system happened to be down so we called to get an update on the status of the check. The Bank of America rep told us they would release {$100.00} on XXXX/XXXX/2016 and the rest once the check has cleared. The entire check cleared the next morning so we called back and the rep told us it takes 3-5 days to clear and the bank could still pull the funds until then. We called back a few times and were told the same thing by different reps for the first week. The following week, a female rep informed us that it actually takes 10 days to clear and the funds could be pulled back until that time. The last rep we talked to told us that the funds had been cleared by both banks and that there was no way either bank would come back after that period of time stating the check was n't cleared. We waited until XXXX/XXXX/2016 to use any money from the check. On XXXX/XXXX/2016, I checked my bank account and it showed they were pulling the funds back out of my account and my account was now negative almost {$3000.00} from the check being pulled back and our cell phone bill still processing. The only thing it showed on my online banking account was debit/hold for {$2800.00} on XXXX/XXXX/2016. I called customer service and spoke with a man who said he did n't have any explanation on his side as well and put me on hold to get his supervisor. Neither could tell me what was going on and stated that the only thing they could do is submit the charge-back for review as high priority but I would still need to find another way to be repaid ( wire transfer, money order, etc ) for the funds that were pulled back out of my account. I do n't understand how anyone can pull funds that were verified by both banks and cleared over two months ago. We verified the check with the original bank and called Bank of America almost everyday to verify the check had cleared before we touched any funds from it. No one has an explanation and I 've been getting the run around from Bank of America since we deposited the check back in XXXX.
On XX/XX/2018 Citibank made a wire transfer on my behalf to a XXXX XXXX XXXX account which resulted to be fraudulent. The receiving bank ( XXXX XXXX XXXX ) suspected the account to be fraudulent and refused to accept the funds which were returned to Citibank. Citibank did not inform me that the transaction was suspicious for fraud although was alerted by the receiving bank. Citibank not only did not warn me that I was victim of wire fraud but also allowed me to make on XX/XX/2018 a second wire transfer to another account in XXXX XXXX which also resulted to be fraudulent. Citibank failed for the second time to recognize that the wire transaction was fraudulent. The irregularity of the receiving account was immediately recognized by XXXX  XXXX XXXX.
I tried to call Customer Service at  American Express on   XX/XX/XXXX   XXXX   around   XXXX   XXXX   PST at  XXXX  and I was able to talk to various customer service representatives who provided me with various pieces of conflicting information. I spoke to  XXXX  and he advised me that I would not be able to make a payment online because they were having technical issues and that I had to call back  in 1-3 hours to  resolve the issue. I spoke to another representative who informed me that I can not make a payment over the phone because my pay-over-the-phone features have been suspended. I called around   XXXX   XXXX   and spoke to  XXXX  and  XXXX  consecutively.  XXXX  informed me that she was going to open up a case regarding my online and phone payment features but she was not able to resolve the issue concerning any late payment fee. I then spoke to another representative  XXXX  who informed me that the checking account she tried to enroll over the phone ( my  XXXX   XXXX  account ending in  XXXX  ) was suspended when I properly advised her that the account is open and is currently in good standing as I receive paychecks via Direct Deposit to this account. She was not able to provide me with any appropriate resolution on the rewards dollars I have just redeemed online 2 days ago and she informed me that it will be applied on the next billing cycle. This just goes to show tha t American Express representatives provide me with conflicting pieces of information and are unable to resolve any issues due to the runaround that have been giving me for the past two months.
When I purchased my vehicle, I also purchased XXXX insurance. I became XXXX on XXXX XXXX. My XXXX insurance didn't pay one of the payments on the due date so instead of getting charged a late fee, I made the payment on time. I asked the company what would happen because my account would show an overpayment and I was told that the money would be returned to me. I received a lien release dated XX/XX/XXXX from Wells Fargo. I called the company on XX/XX/XXXX and asked about the overpayment and I was told that they would release overpayment on XX/XX/XXXX. I called again on XX/XX/XXXX and XXXX said check would come any day, that it was mailed on XX/XX/XXXX. I called the company on XX/XX/XXXX, and was told that they would have to fax me a paper within 48 business hours. I never received this. I called the company again on XX/XX/XXXX and told them I was contacting CFPB, they said the original check had been returned. I wanted to have them explain this to me, I was given a case number which is XXXX. Wells Fargo did call me on XX/XX/XXXX and I told them that they have 11 week before mi file this complaint. I feel that they have no care because this has been paid off
Midwest Recovery Systems is reporting I owe {$320.00} dollars for a payday loan. I have never been contacted regarding this debt nor sent any documentation proving is mine. I disputed this wrongful reporting on my credit reports and they are still not sending me written proof that this belongs to me. This charge as of today is currently being reported on my XXXX  and XXXX reports. They both have different contact information. This is fraudulent and incorrect reporting. I need this to be investigated and complete and for it to be removed as this is a fraudulent attempt to tarnish my credit. The open date states XX/XX/2018. I have not opened any payday loans. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX ( XXXX ) XXXX
On XXXX/XXXX/2016, I rented a car from XXXX XXXX and on XXXX XXXX, 2016 turned in the car at the airport in my city. On XXXX/XXXX/2016, when I made the online reservation, I prepaid for the vehicle for the amount of time needed. On XXXX/XXXX/2016, I was charged an additional fee of ( {$78.00} ) which appeared on my Discover Card statement. I contacted XXXX XXXX but was not given a reason for the extra charge. However, the amount ( {$150.00} ) which I prepaid to use the vehicle was validated. I contacted Discover Card to dispute the ( {$78.00} ) however was unable to get my money back because XXXX XXXX simply provided a copy of the bill for the extra charge. Discover Card did not understand that I had already paid for use of the rental car when I paid ( {$150.00} ) and that no additional charges or fees were necessary or warranted. There was no damage to the vehicle and there was a full tank of gas. When I spoke with the billing department of XXXX, the individual with whom I spoke could not explain the extra ( {$78.00} ) and referred me to the airport location where I rented the car. When I finally reached someone at the airport location of XXXX, I was told to call the billing department with customer service. 

I am getting the run around from both XXXX and Discover Card, but need my money back from the double dip that XXXX placed against my credit card account.
My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018, My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

TransUnion Continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

TransUnion has not provided this consumer with the information of Who verified theese accounts and How these accounts were verified by virtue of proper documentation containing my sifnature binding me to these negative accounts. 

TransUnion is now in violation of the FCRA and continues to be in noncompliance.
I was told that late payments would be removed ; however it was n't, I paid bill in full. I never got a late payment notice till it was to late.
To whom it may concern, Only after weeks of using my new Wal-Mart master card was I given the option to opt out of personal information sharing including : Social Security #, income, account balance, payment history, credit history and credit scores. According to the supervising operator at the wal-mart credit card call center my personal information had already been shared. Furthermore, the letter informing me of my rights was apart from my billing statement. Seemingly hidden between some flyers in the same envelope. I almost threw it in the recycle bin without seeing it. If this is not illegal it certainly appears to be an attempt to deceive me and disseminate my private information without my permission. Thank you for your time and effort. Sincerely, XXXX XXXX
XXXX XXXX thru Love, Beal and Nixon has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX XXXX XXXX had a Civil Action against me. Love, Beal and Nixon filed it on XXXX XXXX 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX XXXX Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when XXXX XXXX started garnishing my wages at 25 % per paycheck. The paperwork was supplied by my employers, not XXXX XXXX or Love, Beal and Nixon. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about five times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. 
In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. XXXX XXXX again thru Love, Beal and Nixon was garnishing wages at 25 %. I called XXXX XXXX and they told me I would have to contact the lawer firm handleing the case. I called Love, Beal and Nixon and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. Love, Beal and Nixon didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and XXXX XXXX owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by Love, Beal and Nixon about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact Love, Beal and Nixon at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX XXXX XXXX allowed Love, Beal and Nixon to garnish my bank account. They took {$1000.00}. 
XXXX XXXX and Love, Beal and Nixon has never once contacted me on any of the court cases against me. Niether has XXXX XXXX XXXX house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that XXXX Once and Love, Beal and Nixon lied to me about the settlement as I have never gotten the promised settlement letter.
Bright Water Capital has placed the same XXXX XXXX credit card with several of their agencies. First it was with XXXX XXXX XXXX XXXX who disclosed my personal information to a third party person, a cease collection was sent to them. 

Next Bright Water sent the account to XXXX XXXX XXXX XXXX. I was able to negotiate a settlement amount with them and have been paying this account since XXXX XXXX, 2015. I have enclosed this agreement. 

On Wednesday, XXXX XXXX, 2015 a XXXX XXXX called me from XXXX XXXX XXXX, he said that they are with Bright Water Capital. He was trying to collect on the XXXX XXXX Account that was placed with his company on XXXX XXXX. I told him that I do n't know why it would be placed with XXXX XXXX XXXX, I have a settlement agreeement with XXXX XXXX XXXX. XXXX XXXX stated that XXXX XXXX XXXX lost the account for Bright Water Capital due to settlement deals like this and that I need to pay {$4000.00} to XXXX in order to close this account. 

I stated that No, I have a settlement agreement in writing with another Bright Water Capital client, why would I stop that and pay double my agreeded amount. I hung up and then a XXXX XXXX XXXX from XXXX called and said that he was XXXX XXXX 's Supervisor. I informed him of my settlement agreement and he told me the same story as XXXX XXXX. I told them I am calling XXXX XXXX XXXX and he said that was not a good idea. I hung up and they called me three times after that and left a message for me to call them back regarding the debt. 

It is clear that Bright Water Capital is trying to collect on the same debt more than once. I am concern that this is reporting incorrectly to the credit burea. 

I 'm not sure which company to believe. How do I know that my payments are going toward the XXXX XXXX Account.
The following ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!
I filled my home address, date of birth and social security and Credit Karma indicated all the information that was given was incorrect. I would like to view My credit Report along with the information provided it, such as the home address, date of birth and the correct social security.
Hello, A few months back I disputed an account with Equifax regarding XXXX XXXX XXXX account # XXXX, I have been in contact with the original creditor in which they have sold this account to A collection agency. I have asked for this account to be verified but in return they will not communicate with me. Equifax has this account listed as " open '' with a balance of {$430.00}. 
I have demanded an investigation into this account under the incorrect information of " open '' status with no results. I want the information on my report updated to " closed '' or removed from my file if no response is received within 30 days. 

Thank you
I closed credit card account with Citi Bank but they charged me an interest rate and late fee along 3 months after. On XX/XX/XXXX I called Citi Bank to close my account ( my due date is XXXX of each month ). I choose to call to make sure that I paid all the interest charges associated with my card in full. I asked representative if I should expect any additional charges and representative responded that I paid the full amount and account is closed. 3 months later I received the phone call from Citi Bank notifying that I own {$120.00}. Apparently, Citi Bank charged my account an interest fee on XX/XX/XXXX and late fee of {$35.00} each month since then. I called Citi Bank and explained that on XX/XX/XXXX my account has been paid in full and closed but they insisted that I must made a payment to avoid additional late fee. I also informed them that I purposefully called in to make sure that I paid everything in full upon closing my account and representative told me that I should not expect any additional charges. Even though they acknowledged that they did a mistake by not informing me about interest fee that is going to be calculated only on XX/XX/XXXX, they rejected to retrieve a late fee. I agree to pay interest rate but it is a burden for me to pay all of their late fee charges that I believe to be unethical.
The company  XXXX  is n't getting the information they were requesting on my account even though i have given them access.
US bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I was told by jared-gallery of jewelry. If I paid it off they would remove form my credit report. I paid in full and its still there. I have made many calls to them
There are XXXX accounts listed on my credit file that are unknown, I have disputed and requested validation and nothing has been received. Please help
There are six ( 6 ) financial institutions on my Credit Report that have done, all dated XXXX XXXX, 2017, HARD INQUIRIES. They are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I did not authorize them. I only authorized XXXX XXXX to do the Hard Inquiry.
i do not have any debts but continue to get calls from " XXXX and XXXX XXXX XXXX. '' it is always a recorded call with a message to call them. this morning when i picked up the phone i did not say " hello '' which is when the recording normally begins. Instead i said " yes, '' and the call terminated. I am very concerned that this will be used in some incriminating way.
I repeatedly reached out to XXXX XXXX XXXX XXXX for the removal of a small medical debt. I provided payment and given multiple letters showing it removed and being deleted from credit report. 2 months later it is still reporting as a collection account unpaid. I have the cashiers check from my bank saying it was processed. I am very disturbed that XXXX XXXX XXXX XXXX would not at least show the debt as paid or remove it from credit bureau XXXX as promised in WRITING.
XX/XX/2018 I called Citi credit card company at XXXX. I followed up with an email I received promoting 21 months of 0 %. The employee on the phone said that no offers were on my account. I asked if it was for new credit card members and he said no. I have been a credit card account holder for 7 years. I wanted someone from the marketing team to call me but he said that would not be possible. 

XXXX XXXX XXXX
A debt collector called Credit Collection Services keeps calling my work phone and leaving voice mails on my work answering machine. I have caller ID so the number they are calling from is XXXX. These calls are constant throughout the work week and I 've even come into them on a Monday where they 've left them on the weekends. They are calling all the time.