WillisBack/dataset-financial-user-claim huggingface dataset:
Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XXXX XXXX, XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XXXX XXXX, XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.
This company contacted my cell phone at XXXX EST. DId n't leave a message and when I called it back thinking it was a number from someone I was expecting they say that they are closed and provided the website to make a payment.
North Shore Agency has sent XXXX letters claiming I owe XXXX XXXX {$150.00}. I responded to the XXXX letter saying that I did not have an account with XXXX but would go to the XXXX corporate store to find out what was going on. XXXX blew me off but that 's for Weights & Measures I think. Then I recieved a XXXX demand from North Shore Agency.
XXXX Checked account per XXXX found charges to acct I nor my mother mad.Called Fraud spoke to XXXX disputed charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told the purchased by debit card ending in XXXX, which was not true. My mother is XXXX and never uses her card.Claim was established. XXXX spoke to me as if I am responsible.I was told it would be investigated.I was told all charges were reversed, they were not reversed.I was told my mother 's card was canceled. 
XXXX XXXX I called fraud and spoke to XXXX in XXXX, who was not accomodating. She sounded sleep even intoxicated during call.I informed her I called day before about a claim she responds we are not talking about that.I told her I saw a new charge that was not mine for XXXX XXXX XXXX XXXX She stated she saw a charge for XXXX for XXXX that failed to go through. explained i do not have insurance with XXXX.She stated charge was from debit card ending n XXXX, i was told it was from card ending in XXXX. XXXX kept slurring her speech and kept saying i cant hear you, finally I asked to speak to someone who was no t sleep. then she all of sudden she can hear me and says lets get this claim done. She refused to let me speak to someone else, put me on hold and came back and hunf up on me. 
XXXX XXXX ; XXXX I called fraud dept spoke to XXXX in XXXX  who reviewed notes written dont know what notes said. I explained situation. I have access to no funds. All charges were not reversed per what I was told.Iexplained I need funds that i take care of my mother. She gave me a credit of XXXX that I for XXXX only. I was told all funds would be put back.Investigation and claim filed. 
XXXX XXXX I went to BOA branch. explained situation again. I was issued temp card. I was told I should get money back in 48 hours. i went outside bank and got the funds that where only credited to me for that day. 
XXXX XXXX I check my account is now negative XXXX still showing XXXX XXXX   XXXX XXXX XXXX overdraft fee XXXX overdrafr fee XXXX XXXX XXXX XXXX XXXX bank Now they are charging nsf charges my mother has a deposit.that will go in bank next wed. They are trying to take her money. No One wants to hep me. I am getting the runaround. i was told since people claim charges are not theirs on purpose. It makes it bad for me. This Bank is known for taking people 's money. 
Bank Of America is operating unfairly. I have acess to no funds and at the rate they are going my mother 's VA check will be gone as well as what they have taken and is still taking from us. Please help
During the Equifax Security breach on XXXX XXXX, 2017, I was one of millions of Americans who had their information leaked to a hacker ( s ), including my social security number, credit card number, address, DoB, etc. This is extremely nerve-wracking, as I 've seen identity theft ruin both friends, and family members lives. 

While nothing has been taking from me yet XXXX and hoping that this does n't change XXXX, I ca n't help but live right now with the constant thought that somebody out there can make an attempt to get a loan, credit card, etc. under my name, causing my future financial status to be at stake. 

While the company has n't done anything yet, investigations are being done to help those with issues.
I am getting a loan from Green Sky, XXXX, GA. They are charging me {$1700.00} on {$5000.00} so the total payment is {$6700.00} I thought 35 % interest was illegal. I have tired to contact Green Sky and there is no respond. Also our FICA score XXXX so that rate seems a little wrong.
We closed on our home on XX/XX/2018. The SunTrust mortgage was paid off from the proceeds of sale. I have called the bank several times as the lien has not been released. This is affecting my ability to get another loan.
I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : XXXX : Account Name : XXXX   XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX 201 Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax fraudulent accounts : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Equifax address : XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX fraudulent accounts ; Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX  Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.
I filed Chapter XXXX on XX/XX/2017 Creditors and Experian is still reporting late payments and negative information on my credit report. I submitted documentation on every account listed on my Chapter XXXX petition but nothing is being done about it. Wrong information keeps being put on my credit report which is brought my score down 60points because of this.
I recently reviewed my Experian credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted XXXX, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Experian was not helpful when I called to dispute the inquiries therefore I am filing a complaint with CFPB and providing an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Customer Service / XXXX XXXX on XX/XX/XXXX In  addition, I am requesting XXXX XXXX for the public record on my report. I have been informed by seeveral Consumers that Experian allowed them XXXX XXXX for Removal Of derogatory information if it is within 6 months of the record being removed. XXXX has removed it and I would Like Experian to remove it. I would like to be treated equally to how other consumers are treated.
So I went and bought a XXXX in 2015 capitol one approved me for loan do n't no if it was a credit card or a auto loan I believe a credit card so I got into a accident insurance paid for some of damages and basically I sent check to capitol one to pay off debt on XXXX they closed my account damaged my credit deliberately saying it 's because I went 30fays past due more than once but actually that 's not the reason the real reason is because I paid off more than half the debt if u check into it u will c XXXX is about when I sent in check to pay off most of debt so they closed acct these practices of closing accounts when I 'm still paying on loan should not be able to happen to consumers also I never received statements for almost a year they did n't send me any correspondence to the closing of acct
so I went to trade in my car at a dealership when they got my info from my bankruptcy they told me I have n't made a payment since XXXX 2013 when I filed my bankruptcy. I told them I have been making my payments all along. that 's when they showed me my info on my bankruptcy and it showed only XXXX or XXXX payments. so they had to add all the obsolete payments up and add it to the price of the vehicle I was going to buy. and it came back that my monthly payment would have been {$950.00} a month. I laughed at them and said no thanks. I do n't think Honda financial should be able to hold all my payments from my credit report. it was killing my credit and also my car was n't even include in my bankruptcy in the XXXX place. I was on a 3 year plan to pay my bankruptcy off and I was told by Honda financial that they would n't put all my payment on to my credit report till it was all paid off. so now I cant trade my car in until all this is straightened out. what a big pain XXXX this has been. got to love the banking system!! not.
On my XXXX XXXX XXXX XXXX statement, closing XX/XX/2018, it is reflected that I made a single full payment of {$1800.00} towards my previous balance of {$1800.00} and that current balance is {$0.00}. However, it also reflects that they billed me {$14.00} in interest, supposedly on an amount of {$650.00} subject to interest. 

Upon speaking to a customer representative and a supervisor on XX/XX/2018, I still haven't received a logical explanation of where a balance subject to interest of {$650.00} even came from since it is neither currently or previously reflected as either a balance or purchase. 

I was promised that the charged interest would be voided and that previous interest paid would be refunded to me due to the fact that the original purchase of {$2000.00} was supposed to be a promotional purchase that provided no interest if paid within 12 months. 

However, given that previous verbal and written ( letter dated XX/XX/2018 ) promises to adjust the purchase to the promotional rate had gone unfulfilled, I haven't the confidence in the company to make due on their most recent claim to resolve the issues I am experiencing with them.
I have been in modification re entry review and was denied because of insufficient income as the Wells Fargo employee stated that my XXXX income ( XXXX month ) during XXXX career retraining does not count as it will run out. They are currently reviewing it again but not counting XXXX income again.
PNC Bank in XXXX 2015 offered online a {$300.00} incentive for transferring banking accounts to their bank. I inquired about requirements and was told if I opened the accounts and arranged online bill pay that I would qualify for the {$300.00} payment. It was never paid. I inquired several times online and got no response. When I inquired in person I was told I would receive payment on XXXX/XXXX/15. On my next inquiry XXXX/XXXX/15 I was told that the small print required that I also set up automatic paycheck deposit on the account. This is the opposite of what I was told in XXXX when I opened the account. I specifically asked about the automatic deposit and was told it was not required as long as I had an automatic online payment that went through XXXX bill pay cycles. When I asked to close my accounts since I did n't qualify for the incentive, they told me there would be a fee charged for closing the account in less than 6 months. I believe this is a case of deceptive sales practice.
I am assisting my aunt with a short sale on her home. Her loan is being serviced with a company called Select Portfolio Servicing XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ). She has been working to get this resolved since XXXX of XXXX, and has now submitted her 3rd offer. All XXXX offers have been equal to or greater than the XXXX value. Everytime an offer is submitted my aunt is required to send new documents. Everytime we call and ask if all information has been received, and they say yes. Then we call back for a status and they state they need someting else. Then the original documents expire and we have to submit again and reapply. We keep going in circles. After we lost the first XXXX buyers I called and complained to the Ombudsman office. They assured me that this time would be different and that they had everything needed. However when I called in for status, they again are asking for something additional that was not requested initally. We are getting no where and now time is running out as foreclosure is moving forward. We have a current cash offer for fair market value and we can not get an answer. The current XXXX is going to expire on XXXX/XXXX/XXXX and they still have not submitted the offer to the investor. Please help.
On XX/XX//2019 A LETTER was sent to me in response to a dispute of Validation of Debt. 
XXXX XXXX XXXX HOSPITAL Willingly sent my medical records to a 3rd party collection agency. 
IT AGAINST HIPPA LAWS to willingly share patient medical records in an attempt to collect a debt.

Furthermore, the medical records were sent WITHOUT A SIGNED HIPPA RELEASE FORM.

This is in violation of HIPPA as well as in violation of the FDCPA, in regards to the collection agency, XXXX XXXX, sending my medical records through the mail. 
I AM MORTIFIED! that something like this has even taken place. This is a breach in doctor/ patient confidentially. 
As well as a derogatory attempt to collect a debt.
I have been sending letters to the credit bureaus for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX  XXXX ... Step up CFPB and remove it from my credit report
Penn credit Collection agency Creditor XXXX Date XX/XX/2017 I was XXXX  XX/XX/2017 so I have no knowledge of this account. Ive distributed this several times.
This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.
I refinanced my home with XXXX XXXX. I was charged XXXX % ( XXXX Point ) to reduce my rate. This should appear om my year end mortgage interest statement XXXX. I have called Loan Depot multiple times to try and resolve this waiting on hold for hours ( cumulatively ). They refuse to correct this error. They keep giving me the excuse this was paid to my " title Insurance company ''. This is a lie. I just want a corrected XXXX that reflects the points I paid.
notice on my credit filed, a debt collection agency by the name Syndicated Office Systems, LLC, which does business as Central Financial Control sent a debt validation letter to debt collection by certified mail, Tracking Number-XXXX received on XX/XX/2015 with no response, follow up with a second letter of no response sent by certified mail Tracking Number-XXXX received on XX/XX/2015, to close this matter and remove from my credit file. with no response
As of XX/XX/2019, 5/3rd bank has eliminated my access to online access and thus my access to paying my bills. There is no way for me to easily contact the company as they refuse to provide any type of online contact ( phone calls are difficult for me for medical reasons ). I believe this is a concerted effort to make it impossible for me to log on so the company can charge me late fees.
Hi, I went to XXXX Dealership in XXXX, just for a test drive ; I had a thought of buying and I asked to present a financial options ; First, they made us wait for 40 minutes ; They presented the offer ; I said thank you and said that I would come back. The manager came over ( XXXX ) and said that they have a great deal for me. They presented a discount and asked if I have a car to trade in. 

I did have a car to trade in but I didn't think of trading it at that moment. 
I gave out specifications as I remembered them, and they immediately stated that they will give us a high price for the vehicle. They DIDN'T SEE THE VEHICLE! They told me and my wife that they are willing to take a risk and if they lose ( trade-in value was estimated {$6500.00} ) then they will lose {$6500.00}. We told us that we are going to bring the vehicle and trade that in since I didn't remember specifications ( I have several cars, XXXX XXXX & XXXX ). 

I mentioned that I do not remember the vehicle specifications but they promised to take the car for a trade in value NO MATTER WHAT! 

Well, we got into a deal. Everything was great, up until the moment, they sent a girl with us to pick up the car that we were trading in. We already had the papers for the XXXX, we drove the XXXX Home but then got the papers for the trade in the car and that car they promised to take at their own risk no matter what, they Didn't accept the car. 

It results in getting us into a loan which at this point it doesn't exist because they didn't take our trade in the car. It results in tremendous credit score lose ( 54 points/ 3 hard inquiries ). XXXX TOLD me that their dealership is not doing HARD INQUIRES as other dealerships are doing. It was our MAIN CONCERN!  XXXX told us and reassured us multiple times that they ARE DIFFERENT and those inquire are not going to affect my credit score! IT WAS NOT TRUE! He did tell me that that loan won't affect my credit score that tremendously! 

The deal got withdrawn, my credit score fell That is completely unprofessional and completely false information given! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
I contacted Wells Fargo to pay my debt and requested a letter showing that I paid my debt. I received the letter from Wells Fargo but the wording on the letter does NOT clarify that my debt is paid in full and that there is a XXXX balance on my account. The letter states that " Upon receipt of valid funds we would update our records to indicate the account is settle ''. I've call several times requesting a letter clarifying that my debt is settle in full but the representatives keep rejecting my request, I've ask to speak to a supervisor and the reps tell me he is at lunch and on another call I made they said the supervisor had to " leave early '' and that he would return my call at a later time. This is not to much to ask for a simple letter stating that my account is settle in full, I don't understand why they are giving me such a hard time. I'm in the process of buying a house and I need this documents asap this is time sensitive. Thank You!!!!
Equifax is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Equifax credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
I am making a dispute ag ainst Optimum Outcome , Inc in a r esponse to a listingS on all my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request fo r VALIDATION ma de pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my cr edit reports (  XXXX ,  XXXX , and  XXXX  ). This action constitute fraud under both Federal and State Laws.