WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I submitted disputes to XXXX, XXXX, and TransUnion. TransUnion responded with stating an investigation was started but never followed up with the investigation results, no response from XXXX or XXXX. On XX/XX/XXXX I resubmitted disputes to all three agencies with the same response from TransUnion and a response this time from XXXX saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...
I was out of USA and i dn t understand what is that compagny and why is that amount
I am a victim of identity theft. Someone used my personal information to obtain credit. I am disputing the items on my credit report.
I 've asked them to fix this, they say they did and the complaint was closed. Please see attached., XXXX We have reviewed your complaint along with the information you previously provided regarding this issue. You are not blocked from initiating disputes online. There are investigations pending, therefore you are not able to open additional disputes online. According to our records, you have a pending investigation which will be completed on/or before X/XX/17. They will verify the accuracy of the items and inform TransUnion of their results. When the investigation is complete, you will receive the results, along with a copy of your credit file at the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report.
On XX/XX/2018 I received a letter from XXXX XXXX XXXX stating that they are ending their banking relationship with me. This letter was in regards to an inactive account that we had opened on a trip to XXXX, which had been inactive for about 2 years. In reading online, it is understandable that an account that has been inactive for this long would be closed. The letter instructed me to close this account by XX/XX/2018, and had attached another page outlining the " full list of all accounts to be closed '', which only included this 1 account in XXXX. I do not have a problem with this closure as the account had been inactive for so long and we were going to shut it down anyway. However, we also have accounts with BMO Harris ( USA ). When we logged on to our online banking on XX/XX/XXXX, we saw that all of our accounts had been closed. We had not been notified prior to this closure. We reached out to the local branch and had been given the name of the person who closed our accounts and were told that the account had been closed on XX/XX/XXXX. In speaking with the person who had closed our account, he said that he does not know why our accounts were closed, however he was instructed to do so from BMO Harris. Furthermore, when he investigated why we were not notified, he was told that we were notified via certified mail back in XXXX about the closures and sent along receipts from the certified mail. We had never received these letters and upon tracking them via USPS, the letters were just sent out XX/XX/2018 ( 7 days after the closures ) and are still in transit. We had a number of bits ( utilities, credit cards, etc. ) that automatically withdraw from this bank account. Since the unexpected closures, we have received significant charges due to unpaid bills as they tried to withdraw from this account. In addition, we have also had some bounced checks that were written and were attempted to be cashed when the account was closed. The bank manager is unable to obtain information as to why our accounts were closed and thinks that it is simply because of the closure of the inactive account in XXXX by BMO Harris ' parent company. We have since tried moving banks, but upon cashing the cashiers checks from BMO Harris, a 30 day hold is put in place on funds from checks deposited by new customers. During this time more bills are coming due ( tuition, credit cards, utilities, phone, etc. ) which will incur even more fees and will significantly impact my credit score. My accounts at BMO have always been in good standing, and I have been with BMO for nearly 40 years.
Freedom Mortgage is providing conflicting information regarding the date payments post or are received. If you call the automated system it indicated they reveived your payment on XXXX day and when you speak to a representative they inform you they received the payment on a different day ( for the same payment )
portfolio recovery associates commits FRAUD!! XXXX has charged off my account because the insurance pays it after 90 days, the fact of the matter is PORTFOLIO BOUGHT INFORMATION AND NOT A DEBT!!! if PORTFOLIO would disclose to me what they paid for the information, then it would be lawful for me to pay this amount, but im not going to pay XXXX $ for something they paid XXXX $ for, in other words, I accept payment options on CONDITION that PORTFOLIO RECOVERY ASSOCIATES give me full disclosure in writing what they paid out of pocket for alleged debt, it hasnt even been proven as a " debt '' see below memorandum, this is clearly a misrepresenation of amount and they are in VIOLATION False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they arent ; or indicate that papers they send to you arent legal forms if they are. <P/><P/>XXXX : XXXX The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you
Paypal XXXX pulled my credit without my authorization on XXXX XXXX, 2014 resulting in a hard pull with XXXX. This inqueries is hurt my credit rating. Also I was signed up for PayPay credit line without my consent. I never applied for a credit line, this was never authorized and I never plan to use paypal credit.
Called on XX/XX/XXXX and doing the year tried and asked for information to settle the debt. to get removed {$450.00} XXXX XXXX account XXXX
EXETER FINANCIAL HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID EXETER FINANCIAL AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE
I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in XXXX navigate the website for me while I was skyping him and we could n't get through the security questions for Experian and XXXX. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from Experian and XXXX, this is the XXXX time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a XXXX so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.
On or about XXXX XXXX, XXXX, while checking my credit reports, I found a negative collection account in the amount of {$2100.00}, reported by DIVERSIFIED CONSULTANTS. The collection is reported that it was opened on XXXX/XXXX/XXXX and was reported as disputed. This information is false, as this account, with XXXX being the original creditor was being reported by XXXX XXXX, on XXXX/XXXX/XXXX. I disputed the account with XXXX XXXX, because I do not owe XXXX. DIVERSIFIED CONSULTANTS never sent notice of the debt or my right to dispute. 
On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS a letter via certified mail disputing the debt and asking for verification. The letter was delivered on XXXX XXXX, XXXX, as a return receipt was sent to me. DIVERSIFIED CONSULTANTS did not respond to the letter. 

On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS a second letter via certified mail disputing the debt and informing them that they were in violation of the FDCP and FCRA. The letter was delivered about XXXX XXXX, XXXX. DIVERSIFIED CONSULTANTS did not respond to this letter. 

On XXXX XXXX, XXXX, I sent DIVERSIFIED CONSULTANTS an email as well as a certified letter offering a settlement. I received an email response stating that the letter would be forwarded to the appropriate department. 

On XXXX XXXX, XXXX, I received a letter from DIVERSIFIED CONSULTANTS notifying me of the debt, with no validation. 

I have submitted copies of my letters to DIVERSIFIED CONSULTANTS, receipt that they have received the letters, as well as Receipt and Copy of letters sent to XXXX XXXX showing that DIVERSIFIED CONSULTANTS did not own the account in XXXX, as they report.
My hardship involves a variety of factors. My hardship was triggered with job layoff several months ago. It was compounded by with me having to move from XXXX to XXXX to find new employment. 
While the factors above are indeed significant, they pale in comparison with the biggest hardship of all. Despite making mortgage payments for approximately 10 years, I have absolutely NO equity to show for it. This has been a lopsided agreement, PNC has reaped all the financial benefits and I have n't shared in any of the harvest. I 'm underwater by $ XXXX. This is based on XXXX XXXX market analysis assessment. Over the years, I have paid PNC XXXX dollars for this property with absolutely nothing to show for it. A reasonable person would call this insanity and financial suicide. If PNC were in my situation, they would find this difficult to endure. 
Through no fault of my own, I find myself in this nightmare situation. As you know, the Banking Industry, Mortgage Companies, Investment Houses, XXXX, and Rating Agencies worked in concert to cause the Housing Crisis. The product of your efforts resulted in XXXX XXXX citizens like me having nightmare mortgage situations. The US Government bailed out XXXX XXXX and the Banking Industry and for the most part left XXXX XXXX out in the cold. PNC predecessor company, XXXX XXXX XXXX XXXX XXXX XXXX, played a prominent role in this nightmare. PNC purchased my original loans from XXXX XXXX XXXX. XXXX XXXX XXXX track record for bad mortgages is well documented and resulted in Class Action Lawsuits. Minorities like me were particularly hard hit with these bogus mortgages. 
Citizens like me have suffered far too long without any help, despite our pleas to Banks, HARP and other agencies. I urge PNC to please take this opportunity to do what is right and change this course of destruction. Let 's get this done.
I have a block on my credit files with XXXX, Transunion and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.
My trading account was closed at Coinbase/XXXX several years ( circa XX/XX/XXXX ) ago for unknown reasons. No reason given. No dialog opened for reconciliation. 

I attempted to open a new account today XX/XX/XXXX and the account was immediately closed, again with no explanation. 

To my knowledge I have not violated any of the Terms and Conditions set down by either company and wish to trade on their exchange as an individual. I am not engaged in any illegal activity or banned businesses listed on the XXXX Terms of Service. 

Their " support team '' is non responsive.
I was attempting to get a loan for a new house, when the lender informed me that my credit had dropped from  XXXX  to below  XXXX  and that I  may  not qualify for the loan. finding that  Amcol  systems collection agency had been sending a medical bill invoice to the wrong address for many months and attempted to call  a 12 year old d isconnected numb er. I have no problem paying the bill and it has been taken care of. However may complaint is that I requested for AMCOL to remove it from my credit report as it was their fault in destroying my credit. " two of their employees told me that do n't do that and I could go pound sand '' This company is rude, and has no respect for someone with great credit, that was destroyed by their company and their lack of professional work ethics. the loan company is reviewing my credit information now and I may be denied a loan for a home of my dreams due to this company refusing to remove a bad debit that was created by a w rong address.
Received a voice mail on my phone number that has not been used in 3 years saying that she was XXXX XXXX from financial group with FINEX GROUP collecting a " Debt ''????? Call her at XXXX XXXX XXXX XXXX I did not return this call because I OWE NO ONE. I have NO CREDIT CARDS< I HAVE NO CAR PAYMENTS< I HAVE NO MORTGAGE, I HAVE NO DEBTS!!! These low-lives are all over the Internet with similar complaints. Put them in jail, out of business, deport, fined, whatever it takes.
I opened my barclay XXXX card in XXXX online, as I did the application online, I wanted to do a balance transfer from my XXXX account for the amount of XXXX on XX/XX/XXXX. That was the only balance transferI processed online. Once my credit was approved, I expect to see information on my balance transfer. I then called to confirm and add another chase account balance transfer for the amount of XXXX. In the midst of confirming and adding another balance transfer, Some how a third balance transfer was added at the mistake of the representative from barclay card for the amount of XXXX. They closed my account, I recieved a letter dated XX/XX/XXXX stating the balance transfer never processed and it was an invalid chase account. Online with my barclay card for the month of XXXX, my account shows the same information, how my account was credited back the invalid balance transfer for XXXX. Some how that balance transfer is now a " valid chase account " and is on my statement. I 've showed them all the proof and even the letter they sent me. I even had chase on the phone with barclay card telling them it 's not a valid chase account. In the event this happens they are supoose to open a claim with chase. They told me I need to contact chase and figure it out. Barclay card said they opened a claim, verified it 's a valid chase account under my name and they 're nothing they can do, I can write a letter to the president of the company. Basically this is n't my balance transfer, it was was their mistake, it 's not a valid chase account. They also, had a payment posted and taken off, I asked them to give me information on the payemt ; they also charge me interest on a brand new card. I 've asked barclay card to pull my phone records and listen to the call and they have done anything to help me as a customer! I have had nothing my problems and they resolution for me is to write the president of the company, they gave me his fax number. THank you
On  XXXX / XXXX / XXXX , I received a summ ons from my county fr om  XXXX   XXXX   XXXX ,  XXXX  that was filed against me to repay a loan for the amount of {$140000.00}. The loan was obtained and opened using my identity, without my knowledge or permission, on  XXXX / XXXX / XXXX . A  Wells Fargo  business checking and savings account was opened in California using my identity, without my knowledge or permission, utilizing fraudulent practices that intentionally overlooked the fact that I reside in South Carolina and had been a signer on another account for more than 20 years. Even though my identity was used to open  the Wells Fargo account s, my authority to be a signer was thus removed so that I would not be able to withdraw any funds. The aforementioned loan company disbursed the proceeds, by wire, into  the Wells Fargo  business checking account on  XXXX / XXXX / XXXX . Within 3 days, without imposing reasonable security restrictio ns, Wells Fargo 's team member ( s ) allowed more than {$98000.00} to be withdrawn. {$94000.00} was withdrawn in cash and more than {$3000.00} was taken through POS transactions. The cash withdrawals were allowed to be made within hours of each other. However, I am not sure if they were done at the same site or by the same Wells Fargo 's team member. I was invited into mediation with Wells Fargo and a third party mediator from   XXXX  on  XXXX / XXXX / XXXX . The mediation session ended with the mediator suggesting what he thought to be a fair monetary com pensation proposal. At that time, the amount was n't disclosed to me and I was informed that the Wells Fargo representative did n't have the clearance to give me the suggested amount, but another mediation session would be scheduled for the next week once clearance was given to conclude the matter. I requested to continue with the same mediator and in good faith agreed to continue a week later. I was contacted by another Wells Fargo representative two weeks later, told that no monetary offer was made, and no explanation was given of why the second promised mediation  session did n't take place.
My complaint is against XXXX XXXX XXXX and Round Point Mortgage. For the following reasons. We were approved and paid our trial period 3 years ago after the trial period was over and we paid on time we were told we have to resubmit our paperwork to be considered again. Since then we have faxed every piece of document they have asked for they either would let it expire or say they never received it. So we keep sending. XXXX XXXX XXXX has taken us to court at 7 times trying to take our home each time we appeared they knew that we in the process of a loan modification and were told a few times that we did not have to be there, but we were because we do n't trust them. The last few times we were pulled into court by them was because they said we did not appear for a court date and we did and pulled the paper work from the court to prove it. XXXX XXXX XXXX has since sold our mortgage to Round Point Mortgage servicing and we are having the same problems with them. They let our paperwork expire, I have the letters to prove it, they say they have not received it. I started emailing with an email receipt and have not received one as of yet. I have also been informed that I have a dedicated account manager, I have not talked to one since XXXX 2015.
my sears card was completley paid off, i contacted sears and was advised of the balance in an effort pay off total balance, one month later after paying off card, sears sent a bill for XXXX $ in interest.
My name is XXXX XXXX. My daughter, who is my Power of Attorney ( POA ), will assist me with explaining the complaint. <P/>My name is XXXX XXXX, POA for XXXX XXXX. My mother suffers from multiple XXXX XXXX, XXXX and XXXX being the most severe and is unable to make decisions for herself. This company sent my mother a check through the mail. She cashed it not realizing that it would turn into a loan she would need to repay. She hid this information from me and struggled to pay the debt off because she 's under a set low income from social security and her XXXX. I contacted the company and sent them a power of attorney so that I could be given information regarding the account. I did let them know she was XXXX XXXX to understand what she had done. They said she did n't " act or seem '' mentally incompetent. I paid the balance with my own money on X/X/2017 for ( XXXX ) because my mother would never be able to pay off the debt herself and I did n't want them harassing her because of her XXXX XXXX. I also did n't want the interest to accrue while I tried to resolve the debt. I contacted them today XXXX to get the history of how she was able to obtain a loan through them and to get past payment information. I also wanted to know how much she actually was given without miscellaneous charges i.e. finance charge, late fees, and returned checks. XXXX stated she would n't release any information without going through the legal department. She verified that she did receive a check through the mail and stated that 90.90 % interest was legal. She refused to give me their OCCC license number. She could not give me a timeline on when the legal department would contact me or how I could get a hold of them. She also hung up on me. <P/>Company Information : Continental Credit XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Thank you very much for your response. First of all, XXXX XXXX where I purchased the XXXX XXXX already called me on Sunday ( XX/XX/2018 ) and informed me that they had already sent the check amounting to {$2400.00} to Santander. However, Santander bank claims that they have not yet received this {$2400.00} dollar amount refunded and which should be deducted from my principal amount. Please can you find out who among these, either XXXX XXXX or Santander Bank is telling the truth about my {$2400.00} before the money disappears again? 
Secondly, the Santander Bank still does not clarify/verify the exact amount of Principal ( money ) I will owe them after this fraudulent warranty that was even voided before it could take effect amounting to ( {$2400.00} ) is returned and is deducted from my principal amount. Although Santander agrees to deduct this amount of {$2400.00} from my Principal amount of purchase of this XXXX XXXX. In the response letter from Santander Bank ; Santander bank explains that I am expected to pay the same amount of money ( {$470.00} per-month for this car loan ) over the next 60 months as was previously signed. This can not be the case because after the principal amount has been reduced, I can not still pay the same earlier bill for this car. And as per the laws in California, loans are charged with simple interest. Please can you prevail on Santander bank to ensure that they do trustworthy and fair business and that I am not illegally billed unfairly even after this illegally warranty by XXXX XXXX is refunded ( which XXXX XXXX claims to have already sent the check to Santander but Santander says they have NOT yet received the check of {$2400.00} ).  Thank you
I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase. This collection did not appear on my credit report pulled XX/XX/2015.