WillisBack/dataset-financial-user-claim huggingface dataset:
they called with robo calls several times a day I did talk to a XXXX and told her ai would pay when I got paid but to stop the calls. The two days before i was to be paid they changed my pay date and tried endlessly to call and was on hold forever till my break of a half hour was over this happed more than one then the calls started endlessly again even after i told XXXX who called to stop calling me if they had an issue to write and invoked the FDCPA and still the calls came. i have 17 calls i have kept and the one telling XXXX to stop they said they wrote me and i never head back why because they had the wrong address for me and i never recevied any letter yet their bills come i wrote the pres and told hiim if he send me a late charge I wold report the calls after my letter to him specifically saying do not call and have that call recorded as well. They then sent me another letter to the wrong address which by some miracle i got pointed out thaqt the bills are correct the lease is correct yet they sent me a letter to the wrong address. i did not want to file this but felt i should never pay a late charge due to the harrrassment ai suffered. They send me a bill with a late charge and now I want my $ XXXX per violation. I will never pay the late fee since they are paid within th3 30 days and feel they should have stopped the calls when I told them to and they continue to send me bills with late fees well they can now just see what happens and I will never pay the late fee ever and they can eat it and learn from this that calling non stop is unacceptable when told to stop Had they treated me with the respect of stopping the calls then i would pay the fee but now somr they viiolated FDCPA they can just waive it for the term of the lease I will never buy a Honda iff this is how they treat their customers writing to wrong addresses and robo calls do n't wotk.
I made multiple attempts to close my account, they refused to close my account. 

The fax number they provided said No Answer, and I they repeatedly would not close my account. 

This occurred on XX/XX/18. 
I spoke with XXXX at XXXX XXXX, she refused to close my account. 
I spoke with XXXX at XXXX, she refused to close my account. 
I spoke with XXXX at at XXXX, she reused to close my account. 

Fax result says : No answer, therefore fax number does not work. 
I attempted to fax ten times over three days, still No Answer from fax number. 
Fax result does not say Busy or Sent, but it says No answer. 
Fax number does NOT work, it's invalid. 

They are currently charging my account and refuse to close my account. 
I need this to be stopped and my account closed.
There are 3 accounts on my Experian credit reports that do not belong to me. I have disputed these accounts and they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX XXXX # XXXX, 2. XXXX Acct # XXXX, 3.  XXXX XXXX Acct # XXXX. These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I disputed account number  XXXX , from  XXXX   XXXX , with Experian asking to honor the agreement between  XXXX  and I, which was to have the account  XXXX , from  XXXX , removed from my credit file. After mailing the letter with the terms listed, cashed check with the terms LISTED ON IT if cashed, and the certified receipt with who signed for the letter and check, Experian just updated the account. I feel my rights was abrogated and not upheld by Experian, even after sending proof! I would upload the letter, cashed check, and who signed for these items below. I will also upload the certified receipt that Experian signed for on  XXXX   XXXX ,   XXXX   when i initiated the dispute.
I bought a new XXXX with XXXX through Citizens One Personal Loans back in XXXX XXXX. The phone was returned to XXXX on XXXX XXXX, XXXX do to a defect. XXXX informed me that they would take the phone back for a full refund and I purchased another phone and a new loan started XXXX XXXX, XXXX with my brand new phone. <P/>Citizen One sent me a letter stating my account # XXXX was closed and would be credited back to my credit card within 5-7 business days. After this time I called and spoke to a representative that told me the claim was not processed and she was not sure why. She transferred me to her Supervisor XXXX which told me he would rush the claim and it would be credited back to me no later thanXX/XX/XXXX. Today is XX/XX/XXXX and the credit has still not been issued. <P/>I 'm done fighting with them, I have records that state I would have my money back 5-7 business days from XXXX XXXX, XXXX. It 's now XXXX XXXX. Way past the date the credit should have been issued.
XXXX/XXXX/15 : UPDATE i HAVE SUBMITTED A REVISED POLICE REPORT AND YET STILL THE ITEMS REMAINS. And just recently Equifax has added back old addresses in which I have disputed months ago to be removed. 
I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least three occasions. Three times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from one of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.
To whom it may concert, Wells Fargo has been mailing me information about an account that was fraudulently opened without my consent or knowledge. Based on the documents that were addressed to my seven-year old daughter in 2012, I feel certain in saying that she was a victim of fraudulently banking practices by Wells Fargo as well. I called Wells Fargo on Friday, XXXX XXXX and received a case number, a toll-free phone number, as well as the name of the individual my case is being " handled '' by. That information is : Case number : XXXX Phone number : XXXX XXXX Case Worker : XXXX XXXX ( work hours : Monday-Friday XXXX XXXX ) Per your request, I have the original documents regarding these issues and can fax, scan, or email, whichever is a preferred method. Thank you for allowing me to generally bring focus this matter and am looking forward to hearing from you. 

XXXX XXXX XXXX XXXXXXXXXXXX
My husband and I rented a house from XXXX XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX   XXXX XXXX. We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ).  Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. At some point, XXXX XXXX XXXX sold that alleged " debt '' to NCC Business Services, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to XXXX, XXXX, and XXXX. We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as NCC Business Services directly. We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX  XXXX who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). We have notified all four entities of our intent to file suit against them. And we have sent FS XXXX pre-suit demands for insurance information in preparation of that lawsuit. Incredibly, none of those things has gotten their attention. NCC has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
I am being harrassed multiple times daily by Navient Corporation looking for someone who has defaulted on student loans. Navient is now also calling my son, my daughter-in-law, my daughter-in-law 's mother and her father. They are also using false phone numbers to make these calls. They have been told to stop but refuse to do so. All of us have told them we do not know the whereabouts of the person they are trying to reach. The most recent calls were today, XXXX XXXX  2017. I can provide phone logs of the hundreds of calls to my cell phone and my home if you should need them. On one call back to Navient requesting that they cease calling me, a representative stated " we will never stop calling until we get our money ''. I desperately request your assistance to make them stop calling me and my family. They begin at XXXX and continue until XXXX every single day. None of us, including myself has EVER done business with Navient, has ever borrowed money from Navient and wants nothing to do with Navient!
XXXX Student loans sold many of my private loans to XXXX. While looking at my credit report I see several " payments '' made to XXXX that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to XXXX and therefore should not be represented on my credit report. 

I have NEVER made a payment to XXXX, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the XXXX XXXX XXXX. To date XXXX has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made XXXX should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.
I purchased my vehicle in XX/XX/XXXX. On XX/XX/XXXX, I had XXXX and was out of work until XX/XX/XXXX. I called Ally and spoke with a man in XX/XX/XXXX requesting to push a payment to the end of my loan due to being out of work for 2 months. He said I could do that by making a payment which I did on the phone with him after explaining that i did not have the funds due to being out of work XXXX even the reason i asked to push the payment to the end of my loan. The payment was not pushed to the end of the loan i then fell behind on my payments. They have reported to my credit report a repossession in XX/XX/XXXX which is false because a payment was made in XXXX. I paid {$1900.00} to them in XXXX and today i spoke with XXXX XXXX extension XXXX to attempt to make a payment and she refused to set up a payment or allow me to speak with a manager. How can you report someone late who has spoken with multiple people to get the account caught up. They call me multiple times a day on my cell phone, when I answer they hang up or do not leave messages. The are violating FCRA AND TCPA REGULATIONS and they are not willing to assist their customers with getting accounts caught up. When I set up a payment in XX/XX/XXXX the girl told me to make my payment in the amount of the car note and dont worry about the past due amounts billed to my account but she failed to mention that my account would be reported last due since the full payment amount was not made. Please review every call I had with Ally, remove the past due and repossession as I have worked with this company for almost a year to get this account caught up.
I applied for and received a credit card through Wells Fargo Bank. A promotional offer with the card paid a {$100.00} bonus after spending " X dollars '' ( I do not recall the exact amount ) in a 3 month period. I achieved this level of spending yet did not receive my {$100.00} bonus. I contacted Wells Fargo regarding this matter and was told there was a " glitch in their system '' ( words used by Wells Fargo XXXX and that my {$100.00} would be paid the next month. This happened for several months in a row until someone at Wells Fargo manually made the adjustment and paid me the {$100.00} they owed me. XXXX of the Wells Fargo agents told me that it was good that I had called and pursued this matter because the {$100.00} would have never been paid and would have rolled forward to following month " forever '', due to the " glitch in their system ''. 

I fear that other customers may also be owed a payment by Wells Fargo, but will not receive their money because they are not as persistent as I have been. 

After I received my {$100.00} from Wells Fargo, I requested compensation for the time and effort I had to dedicate to correcting this matter. I made numerous phone calls to Wells Fargo over the course of several months to settle this matter. My case was elevated to the Wells Fargo Corporate Office and I was assigned a XXXX and a Case Number. This department ( and my XXXX XXXX ) ignored over XXXX phone calls and voice mail messages from me. Only after leaving messages in general voice mail box did someone other than my XXXX XXXX call me back. 

I am still requesting compensation for my time and effort to correct a problem created by Wells Fargo. Wells Fargo refuses to do so. 

I will close by adding that I have been a banking customer with Wells Fargo for nearly XXXX years ( with substantial deposits ) and have had a generally positive experience with the organization, until now.
This is an ole Debt. which was misrepresented by neglect or " breach of agreement ''. I am a veteran, XXXX. at time of XXXX I agreed to the amount of $ XXXX monthly on the XXXX of each month. I explained to the representative that I was a Veteran. My check is the XXXX of the Month. According to the date the XXXX falls on. At the time of the Agreement {$250.00} was there but from Previous Month. The Representative drafted the amount, that is what caused the " Insufficient Funds ''
On my credit report there is over XXXX inquiries on my credit report under the category of historical data that experian refuse to remove from my credit report even after notifiying them of identity theft and have multiple fraud alters on my profile that i placed there myself to protect myself against fraud and this include the past XXXX addresses that i have lived at over the past XXXX years so should someone steal my identity agains like they did when i notified XXXX XXXX and they closed the card and the account before any charges was made to delete the address for the past 5 years to protect my identity and they said that they could not but i have had other fraud issues because of this and they said that they cant remove this which is bull because they are favoring in favoritism the service bureau members which is wrong under their policy for records retention policies for publishing information public ally that no one needs to know but it benefiting them to sell it to their members when i am doing my best to protect myself from fraud that malicious they only need the past 5 years not since where i was born. all someone needs to do is get my social and start all over again and they can start the fraud again and i want to prevent this.
Unsolicited credit card was sent to me in XX/XX/XXXX from Citibank with my name on it. I called Citibank and told them it was not mine and I never applied for it. I told them to cancel it. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying a debt from that card was referred to them in the amount of {$2200.00}. I called them and talked to a XXXX XXXX. He gave me a SS # that was not mine and I told him the last 4 digits of mine. I sent them a letter disavowing that this was my debt. 

I contacted XXXX credit bureau because I checked my credit report and it showed up there. They did an investigation and deleted it from my credit report. 

On XX/XX/XXXX I received a letter from XXXX XXXX saying they did an investigation and said I owed the previous amount. They then sent me another letter on XX/XX/XXXX because I had moved. I talked to a person named XXXX. Again we went over the SS # that they had and again it was not mine. I faxed her information that would verify that I was who she was talking to. Again I sent them a letter disavowing the debt and told them about XXXX investigating my complaint. 

On XX/XX/XXXX I received a letter from XXXX XXXX, again saying I owed the same debt and offered to settle for {$1100.00}. Again I sent them a letter disavowing the debt. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX saying the referenced account was placed with them for collection. Again I have sent them a letter disavowing the debt. 

At this time I now think that this is harassment and would like it to stop. I have a very good credit rating. I recently bought a condo and my credit  score was XXXX.
I went to annualcreditreport.com to help my step-son get his credit reports. Experian indicated I needed to pay a small fee to obtain some detailed information for him. I used my credit card to pay the small fee. Experian has since, enrolled me in a membership service for {$2100.00} per month. I did not realize this, I did not want the membership. I think they were deceptive in their membership enrollment. I called them and asked for XXXX of the XXXX charges to be reversed. I said I 'd pay for the initial fee since I must have made a mistake and not read their " fine print ''. They canceled the " membership '', but refused to remove the other fee. Luckily for me, I can afford the unnecessary fee ; however, I think there are thousands of people being duped by this practice and then Experian is not willing to refund fees for services no one wants or even realizes they 've signed up for. The supervisor at Experian I spoke with was XXXX and her employee ID is XXXX. I actually work for XXXX and I no longer trust Experian or their business practices. I will work within my company to limit our business dealings with them. Experian is dishonest and has deceptive practices. None of the other XXXX credit bureau agencies attempted to enroll me in a membership I did not want or need.
I owe child support which I have been paying out of XXXX XXXX. Plus I have been paying past due which they put into collection. Doesn't make sense that I'm paying it off, but it's not showing which is what michigan FOC is making me pay. It's showing on my credit that it's a negative account and showing I'm making no payments but clearly what I owe is shrinking. Experian credit company will not fix this problem that shows it in collections but not showing it's being paid off. I'm legally making payments to pay off the back pay based on the contract I have with Michigan FOC and shouldn't be impacting my credit for years
XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.
In trying to lift a credit freeze from Transunion, I submitted what I thought was a request to control that freeze process. It turns out, though, that this was a credit *monitoring and alert* service. I gave them a credit card number for payment. However, the site had nothing to do with my credit freeze, which required a separate log-in and payment schema. Then I started receiving {$20.00} charges each month from Transunion for this service. Apparently I had signed up for a trial period and the regular payments started. Exceptionally frustrating and shady.