WillisBack/dataset-financial-user-claim huggingface dataset:
According to my recent credit report request from XXXX, Transunion, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX, TRANSUNION, & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be  compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX  XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX XXXX  Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX  XXXX XXXX XXXX XXXX   XXXX Transunion Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX & XXXX XXXX XXXX XXXX Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Our home is in an active Bankruptcy ( BK ) XXXX filed in 2011. Our trustee has made payments to this account for nearly five years. After requesting a loan modification from XXXX, BUT did not accept their terms, and declined this modification. However, Nations Star was ready to approve the modification, although the terms would have placed us in a 40 year loan! Once this modification was rejected, it took several calls and several months before it was removed from our account, which increase our payments to an amount we could not afford. As of today, our trustee has made payments excess of {$60000.00}. 

We have made over 10 calls and have always gotten totally differerent answers and frequent transfers. 
While going into BK, our payment was {$1000.00}. We 've paid our own home owners insurance AND taxes are on a XXXX exemption status. Nationsstar completely disregarded the exemption and sent payments for taxes, although the taxing authority has since returned those funds. We would like Nation Star to return our account to the status of actively making timely payments without an escrow. A posting of payments to our mortgage should be current and up to date, however funds that were paid have not been accounted for and we are requesting a complete investigation and recovery of funds.
Portfolio Recovery has been reporting an invalid account to my credit file for close to 7 years. They are falsely accusing me of owing them {$1000.00}. I have never had any account with Portfolio Recovery. Also, I have no contract with them. I tried to get them send me any agreement that I may have signed. They failed to provide validation. This is clearly a fraudulent act on the part of Portfolio Recovery. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.
Scottrade provide me with the information I requested on how to file arbitration. It was previously brought to Scottrade 's attention that the arbitration agreements with Scottrade XXXX and Scottrade Bank are mutually incapable, thus I sought clarification on the specifics, as well as requested instructions on how to file a dispute. Scottrade has refused to respond. Furthermore, Scottrade has alleged that I would be responsible for significant administrative/travel/filing fee costs associated with filing an an arbitration case. I have requested information from Scottrade on how to remedy the prohibitively expensive nature of arbitration and have not received a response. I kindly request Scottrade provide information regarding how to file an arbitration claim against Scottrade, Scottrade Bank, and Scottrade XXXX XXXX and the differences in any arbitration agreements.
Monday XX/XX/2018 @ XXXX I received a notification that my credit card was used at XXXX for {$240.00} on my Chase credit card. I called XXXX to find out what it was as I didn't not have an XXXX account nor has my card ever been used on XXXX ; they said it was 2 books ordered on an account open with my name and address. They said they were closing the account as was fraudulent and start an investigation. I then called Chase credit card and they canceled my card and removed the fraudulent charge of {$240.00}. 
XX/XX/2018 another {$240.00} from XXXX posted to my reissued card. They started a " new investigation '' and denied the dispute. These are not my charges, this is fraud. Someone stole from me and I have to pay for it? This isn't right. 
Please help me.
I made a money transfer on line with Western Union on my checking account. After I pressed submit to transfer the money and message popped up saying it would take 5 business days to receive. When I realized this mistake I called them right away and was told I would be receiving my credit right away. If I wanted to send the money to the receiver for the same day then a debt card or a credit card and that I could do it on line. I was not credited but the truth took it out twice. I have been on the phone for2 hours and was told it would take 5 business days to receive one credit and the other would be by tomorrow. The supervisor said she could n't override this problem because of the back office. I asked to speak to them and she said they do n't take calls. I was helping a family member we was having a XXXX XXXX XXXX. They also said on the phone that I would receive my first transacion of {$200.00} today. I have checked my account and no monies were received. Please help me retrieve my money back. The transaction numbers are XXXX and XXXX. My gold card number is XXXX. Thank you
I am not sure how this works or if checked correctly, I am a XXXX XXXX who had XXXX, got bill sent in payment XXXX time they sent refund girl at office said they mistaken it missed my account so next month did sent in again they took payment not working, so figured send what I can medical was over XXXX until insurance XXXX, my XXXX not recognized so only have XXXX. I thought ifhey accepted payment there were no issues last bill got said only {$8.00} paid it full, few weeks later get a letter from their law offices sent in XXXX payments same account number XXXX they had received and processed them, not sure if not working and sending them money each month why they threaten XXXX XXXX, limit info protected by HIPPA as told them, hassle me under doctor 's care and told to avoid stress to much become a risk to my life XXXX if not XXXX. I thought once they accept payment under my account number I would not worry about being turned into collections let alone a law firm and law firm threatening letter, as tried to tell them once I get some of the bills corrected I can work on theirs more but have XXXX who apparently put in wrong billing address for a lady XXXX and bills hers were also sent to me confusing me getting over XXXX bills but never that I know of missed a month of sending them money accept when they called said they girl XXXX and refund payment because they looked up my account wrong which is not my fault all bills have same account number on them so assume same issue but no thinking their sort of messed up on billing if {$8.00} full bill was paid then get collection letter from their attorney which made me not able to sleep all night worried XXXX my credit after ID theft when in hospital and care facility for XXXX years, so please I just mailed another {$30.00} even though the last bill I got said {$8.00} paid in full, no 30 day notice no total of bill on account apparently so no idea how they do their billing before ill have degree in XXXX and do not understand their policies or procedures why they call when they screwed up on check but sent no prior notice before sending me to their attorneys. Or XXXX up my credit its taken years to fix since ID theft also told them not working so surprised they took this procedure and action against me is this they correct way to do this or did I XXXX up help please very upset and confused, XXXX over this issue I thought i was doing it correctly per law and their acceptance of my payments. Never said I would not pay but if turned into collection sort of counter productive in wanting to do right
Apparently, I made a simple error in my bill pay for Bank of America when setting the date for a cell phone payment. I was to be paid direct deposit on   XXXX   XXXX   XXXX    . I mistakenly put the date in to bill pay to pay  XXXX   XXXX   XXXX  as the  XXXX . This is the first time I have ever made an error like this in the bill pay system. As I did not have the money in my account on the  XXXX  because I do not get paid till the  XXXX , this caused an NSF fee of {$35.00}, even though the  XXXX  Bank of America 's computer system automatically tried to pay  XXXX   XXXX   XXXX  again and the payment went through because by then I had been paid. When I learned of this error on my part, I asked BOA if this fee could be waived, and I was told No. I was not given a specific reason, just that this fee refund was declined based on my history at Bank of America and that if the system did not allow the fee refund to be processed, I could not be given the fee back. I asked if I had had a specific NSF fee refunded in the last year or else specifically why I could not be refunded this ridiculously high fee. I was not given one so I am filing this complaint
Good XXXX, On XX/XX/XXXX, I initiated a XXXX transfer of {$830.00}. This was a Thursday. As of that date, my existing balance was approximately {$850.00}. On XX/XX/XXXX-Friday-, I wrote my landlord a check for {$1600.00}, the amount of the rent. He deposited it into his own account immediately. I checked XXXX and received the message that the {$830.00} would be in my account by the beginning of the business day on XX/XX/XXXX, a Monday. This, in my understanding, is, to Friday, the next business day. On XX/XX/XXXX, my birthday, I attempted to make a transaction, only to find that I was nearly {$900.00} overdrawn. Before work on Monday, XX/XX/XXXX at XXXX XXXX, I used a Citibank ATM to deposit {$350.00} in personal checks. I was issued a receipt that reflected the XXXX transfer of {$830.00}, the check for {$1600.00} clearing, and a positive balance in my account. On XX/XX/XXXX I received an e-mail stating I had insufficient funds to clear the check for {$1600.00}. I disregarded this because I had the receipt from Monday XX/XX/XXXX at XXXX XXXX reflecting a balance consistent with a processed check. On XX/XX/XXXX, I checked my account balance and found that it was quite high. In reviewing my account details, I could see that the check for {$1600.00} was returned to me on XX/XX/XXXX. This was showing up as happening after the XXXX and the personal checks were deposited. In addition, I was charged a fee. I immediately called Citibank. From there, after XXXX minutes of verbal sparring, I was connected to a supervisor who informed me that had I called Citibank on Monday XX/XX/XXXX before XXXX, the check would not have been returned. My issue is this : if the funds were available by XXXX the next business day XX/XX/XXXX, which per the representative I spoke to is Citibank 's own policy, why would I need to call to tell them I want a check I wrote to be processed? Of course I do. Further, why did I have to have an experience like this prior to being informed of this policy? Of course I would have called before XXXX on XX/XX/XXXX to tell them I want the check processed, even though that 's a ridiculous policy. This was so frustrating and I was n't able to get a clear answer. The supervisor, XXXX, I spoke to, was n't able to really help me analyze this experience. I did receive a pitch for overdraft protection. I will not be enrolling. This strikes me as at least unfair, and possibly illegal. Is there anything I can do? I am able to provide the XX/XX/XXXX receipt, my online bank statements, statement from XXXX etc to support this. I asked the Citibank representative XXXX to send me an e-mail with the information he was telling me in it for my records, but I have not yet received such an e-mail. Thank you so much in advance, XXXX
I filed for a loan modification with Wells Fargo Home Mortgage XX/XX/XXXX. I was assigned a " Home Preservation Specialist '' XXXX. I hired attorney XXXX office to represent me in the process because. XX/XX/XXXX I received paperwork for a trial modification. In the paperwork, it did n't state whether through the modification my rate would be adjustable or fixed. My mortgage had been adjustable. I told my attorney that I would not sign a modification that was still adjustable just for my payments to balloon and get in trouble again. My attorney 's office spoke to XXXX ( they had third party authorization and XXXX would not speak to me ) and assured me that XXXX told them it would be fixed. So, I signed for the trial hamp. In the process of finalizing the trial, I had issues with my lawyer 's office taking care of what I requested. In fact, right before signing the trial hamp, my lawyer 's rep told me that I should speak to XXXX myself about questions I had. Because of this, I wanted to fire them. I lost faith in them and tried to speak to XXXX 's office again and they said I had to send them a letter stating my lawyer no longer represented me which I did. After doing so, I was nervous about the final modification and needing another lawyer to finish. I spoke to XXXX 's manager who assured me a lawyer was n't necessary. He said he handled about XXXX modifcations and only about XXXX had lawyers. So, I did not seek another attorney. When the final modification paperwork was on it 's way in the mail, XXXX called me to tell me that I would get a copy for myself and a notary would come to my house to have my wife and I sign it. When I got my copy and before signing, I noticed that it did n't state it was a fixed interest rate loan. I called Wells Fargo to speak to XXXX before the notary arrived. XXXX was n't available at the time but another home preservation specialist asked if they could help. I said I was assured by my lawyer that she spoke to XXXX and the rate would be fixed for the remaining payments. I wo n't sign if it is n't fixed. He said he would check and had me on hold for about 10 minutes. When he came back on he said he spoke to his supervisor and they can assure me it will be fixed. So I signed with the notary and assumed all would be fine. Then I got a letter a couple months ago saying my interest rate would be changing XX/XX/XXXX. I called Wells Fargo and spent over an hour over a couple days being transferred around. Finally, they said they said they see records on their end of telling me my loan would be fixed but sorry, that is n't the case. They opened up an investigation and after weeks, someone from Wells Fargo called me to tell me, yes they told me that it would be fixed but it is not. That is not what I signed. I told him that they fraudulently got me to sign the mod and I would be filing complaints. " Anything else I can be of help with you with? '' he said? What now?
I went to purchase a car at XXXX XXXX  in XXXX and was told by a sales associate after my credit report was ran that I was getting the car financed at 8 % with a payment of XXXX  each month. When its time to sign papers with the finance manager he changed the contract to 11.6 % and a higher payment to XXXX. When I asked him why it changed he replied that it was because my payoff on my trade in was different from what the sales agent seen when it actually wasnt. They wrote a different payoff on my contract than they actually paid off, it is different. So they owe me money or my apr should have never been changed. Also when I asked the finance person why it changed he replied with didnt sales go over this with you
I have disputed this entry with both the credit bureaus and LJ Ross Associates alike. In my letter dated XX/XX/2018, I specifically disputed the inaccuracy of this account with LJ Ross. I never entered into a contractual agreement with this company whereby I would have had terms of 1 month with them. Additionally, due to this entry not being a data factoring account, there should be no payment history attached. Why would only 2 months of payment history be reported? LJ Ross never responded to my request and therefore did not substantiate the validity of the data they reporting negligently. To that end, this entry must be deleted immediately from my credit reports.
A few months ago, I attempted to make a normal, monthly payment to my account statement over the phone, using my debit card attached to my checking account. I thought the payment had gone through okay, as I received a confirmation number. A month later, however, after seeing my printed statement, I noticed the bank indicated that I had made a stop-payment on the amount I had paid. Realizing it was an error ( I had never requested any stop-payments on my account ), I contacted my bank who issued the debit-check card and the First National Bank of Omaha, to whom I had made the payment. I then did a 3-way conversation with my bank and the Bank of Omaha customer service to try to rectify the error. It appears when I made the phone payment, I may had inadvertently left out one of the numbers in my checking account when putting my information in. Even though The First National Bank of Omaha customer service rep realized it was an error, the person I spoke to was extremely rude and condescending, and refused to rectify the situation. I received a letter stating my account had been closed for delinquency, although I had no past-due amount assessed to the card. As a result, my credit has been damaged and I am struggling to pay the card off, as they are adding on late fees and interest.
I have been doing business with Barclay Bank for approximately 7 years. This past XX/XX/XXXX I called to attempt to use some of my points for a XXXX vacation. ( One of the reasons I like the card and pay an extremely high fee is because of the rewards program. ) After four of five calls, receiving numerous different reasons of why they could n't access it ... ca n't find the account, computers are down. Then I received a letter stating they were raising my credit limit. Approximately 5 days later, I received another letter saying they were canceling my card due to credit issues. I am in the process of a mortgage modification, however I have never been late with Barclay Bank, in fact, I have a {$5000.00} limit with them and the week or two prior I paid them {$3000.00}. When I called Barclay 's they told me due to my account being canceled, I could not use my rewards points that I earned. I then asked them about my $ XXXX yearly fee and the man told me " well you got to use it part of the year did n't ya. '' This unethical misleading, frankly despicable behavior is what gives banks a bad name. Because of this, we had to book our yearly vacation last minute costing me thousands of dollars extra. I am desperately trying to stay out of bankruptcy and this banks horrible inexcusable behavior is the final nail in my coffin. Please prevent this from happening to any other honest people.
On XXXX XXXX, XXXX purchased a new vehicle from XXXX XXXX XXXX Fl vehicle is financed with Omni World Financial Retail XXXX XXXX XXXX XXXX TN. XXXX. My account number on this loan is XXXX XXXX Toyota Tundra. On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle with an ERRONEOUS open date of XXXX XXXX, XXXX? On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle and again ERRONEOUS information reported stated new account opened XXXX XXXX, XXXX I did n't purchase the vehicle until XXXX XXXX, XXXX? Today XXXX XXXX, XXXX at XXXX EST I called World Omni Financial/XXXX XXXX XXXX and spoke to a representative on the erroneous information reported to these XXXX Credit Agencies and told her that this erroneous information reported is the fault of Omni World Financial and must be corrected by them! I received pretty lousy service from the agent and she told me that it 's my responsibility to correct these errors and conversation ended! This is a serious matter and why do I have to spend my time and financial resources to correct a problem that is solely the fault of Omni World Financial and some clerk not paying attention neglecting to input the correct information into the Credit Reporting Agencies!
I am being sent harassing debt collection letters from Aldous & Associates for a {$300.00} debt from XXXX XXXX. Previously {$150.00} They state in the letter that XXXX XXXX has developed an Amnesty program for deliquent debt. Which reduces the owed amount by {$150.00}. I have contacted XXXX XXXX and they have stated there is no such program of theirs. XXXX states they have no knowledge of my account anymore. 

I have not dealt with XXXX or its retailers in over 4 years. I have no outstanding debt with XXXX XXXX.
I was contacted in XX/XX/2017 by XXXX XXXX XXXX regarding an amount of {$920.00}. 

this was for medical services. upon investigation, the medical provider made an error when applying the charges to my health insurance provider The medical provider resubmitted the claim to my health insurance company and it was then paid. 

I've contacted both the collection center and the medical provider and asked them to delete the record.
I had two auto accounts with American Honda Finance in the past. Despite the fact that I never missed a payment on either of these accounts, Honda is reporting that I had multiple delinquencies over the course of the accounts ' history. This incorrect information being reported to the credit bureaus, as I always made timely monthly payments.
JP Recovery Services failed to provide information on debt collection as per Case number : XXXX. Additional details per case number above. Initially the debt was reported for XXXX XXXX, my wife however after we filed a complaint with consumer finance, the debt is being reported to credit bureau under my name. 
We are not aware of this debt, have not received any statements or invoices, JP Recovery services has failed to provide details on this debt and continued to report this debt to the credit bureau. This debt should not be reported to any credit bureau unless a valid invoice is submitted. As per our insurance, we do not owe any balance to anyone including this invoice.
I received a letter from Capital One Auto Finance stating that I have to pay the full amount of XXXX are they will repose my vehicle. Earlier this year I called as well as emailed asking for an additional 6 months to pay for the vehicle.