WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed information on my Experian credit report and even provided fraud packets from the FTC with information confirming I was a victim of identity fraud. On my credit report there is an account for XXXX and duke energy that were fraudulently open. The credit bureau has taken no action to resolve the issue or remove the accounts.
On XXXX XXXX, XXXX, I had a XXXX at a facility calling themselves XXXX XXXX ( located in XXXX, California ). Prior to undertaking this medical procedure, I was informed that my total out-of-pocket cost would be {$120.00}. I agreed to pay this amount and was charged the same following the completion of the procedure, which I promptly paid in full using an XXXX XXXX card issued in my name. On XXXX XXXX, XXXX, I was contacted by an organization calling themselves XXXX XXXX ( also based in XXXX, California ) that claimed I owed {$350.00} for the aforementioned medical procedure and that no payment had been received either on the day of the procedure or in the subsequent four months. After several attempts ( by mail and phone ) to contact this organization went unanswered, I was finally able to speak with a representative of this organization at length in XXXX XXXX and it was agreed by both parties that my payment of {$120.00} on XXXX XXXX, XXXX had fulfilled any financial obligation that I had with XXXX XXXX and that there would be no further attempts to collect the non-existent debt of {$350.00}. And, after not receiving any further notices from XXXX XXXX for over 15 months, I assumed that the dispute had been resolved and the case closed. However, on XXXX XXXX, XXXX, I received a notice from an organization calling themselves Continental Credit Control ( based in XXXX XXXX, California ) in attempt to collect {$400.00} ( or the original {$350.00} debt plus interest of {$59.00} ). At the time of writing this correspondence, over 20 months have passed since the medical procedure in question was performed and I am somewhat perplexed as to why I am still being contacted concerning a debt which I do not owe and would like to be assured that a final and binding resolution to this dispute can be achieved within the next few months.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : XXXX
Re : my loan and mortgage payoff. 
It has been over 5 months (! ) since my loan was paid in full. Yet I have not had one word from UAMC re my payment. More importantly a RELEASE REQUEST from UAMC ( releasing the mortgage lien from the title ) has not been sent either to me or to the title company. This delay in sending the release request within a reasonable time of final payoff is ridiculous to say the least. My only clue as to the final payment was simply that it was recorded on the UAMC website as loan closed. Requests have been answered with " we are backed up ''. Actual personnel has otherwise been difficult if not impossible to contact re any problems. This is a company where no one seems to be able to answer any questions and/or it is simply pass the buck time. 

I should have realized this when we were n't even able to figure out where to wire the final funds. My bank had to spend half an hour to try to track down the information ... with a final answer from the VP Treasurer.
I was in a car accident which resulted in total loss of the vehicle, my primary insurance paid their portion to  Kia Financial which left a balance remaining balance for my gap to cover. The gap insurance is requiring certain documents from kia financial, I have tried multiple times to obtain these documents from kia financial with no luck. Kia continues to send me partial documents and each time I call its a 2-3 da y turn around. I was previously instructed by kia to not make my payment which would result in no late fees or interest and adverse credit reporting. My payment functionality was removed from the website and based off my result today my account has been referred to recovery. Again I called today and I was assured that I would not accrue late fees or or interest and no credit reporting.
On XX/XX/XXXX, I initiated an online MoneyGram transaction. I was sending {$1500.00} to my brother-in-law in XXXX ( XXXX ), TN. He is a police officer and needed some cash to make his rent payment and avoid an impending eviction. He was going to pick up the cash at a nearby XXXX  location. I entered my XXXX credit card information online to process the transaction. I got a confirmation back that my transaction had been accepted. A few minutes later in a phone call with MoneyGram, I was informed the transaction did not meet their anti-fraud security requirements and that the transaction was being cancelled by MoneyGram. 

On XX/XX/XXXX, I checked my credit card statement online and discovered, MoneyGram never refunded the {$1500.00}. I have also incurred additional fees from my credit card company for a cash advance. 

I called MoneyGram on XX/XX/XXXX. I was told the transaction was cancelled on XX/XX/XXXX despite having been told on XX/XX/XXXX that MoneyGram was cancelling the transaction for the above stated reason. I was informed it could take 3 to 10 business days from the XX/XX/XXXX date for the refund to be posted back to my credit card. If MoneyGram has the ability to instantly charge my credit card account, then they also have the ability to immediately process a refund or transaction cancellation. 

At no point prior to the transaction being completed by me online did MoneyGram clearly disclose their refund policy if the transaction was cancelled by MoneyGram. Had MoneyGram made this disclosure, I would not have completed the transaction. 

Now, my credit card issuer is expecting me to pay {$1500.00} plus the associated fees by the XX/XX/XXXX payment date, thereby creating an UNDUE FINANCIAL HARDSHIP. 

MoneyGram 's business practices are DECEPTIVE AND UNFAIR and do not protect the consumer against their unfair and possibly fraudulent business transactions. 

Despite similar complaints previously filed with your agency, MoneyGram persists in deceiving and defrauding consumers.Please refer to the following complaint numbers with your agency to see a LONG HISTORY OF DECEPTIVE AND UNFAIR TRADE PRACTICES : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

I have now spent hours of my time trying to get back money I was rightfully due on XX/XX/XXXX. It is time for CFPB and the Attorney General to prosecute MoneyGram.
Navient provided XXXX different IBR/IDR re-certification application dates. One is on the Navient website and the other is via email. This can cause default, in which both the government and lender profits. The dates are a month apart. That is wrong and deceiving. I 'm already in the Defense to Repayment forbearance because I can not provide for my family and the student loan payments at the same time. Check all my expenses and you 'll see I 'm not living lavishly. I can barely afford groceries. I ca n't afford to get my wife who has XXXX 's good treatment. XXXX covers so little. I 'm scared.
AMEX/XX/XX/XXXX continues to show in dispute status, after I told them I'm no longer disputing the validity of this account ( amongst others ) for almost over a month. I've sent letters, made phone calls, and done everything humanly possible to have the dispute language removed, but to no avail.
8-9 years ago I went to court because of identity theft. At that time, the case was seen before the judge in XXXX County, NJ 5-6 times before she finally settled the case in my favor. At which time, Pressler & Pressler stopped their attempt to collect a debt that I was not responsible for ... until now. 

They have restarted the process of sending me mail and correspondence about the same exact account. Last parcel received was XX/XX/18.
My mortgage is serviced by Rushmore Loan Management. Rushmore has been servicing my loan since XX/XX/XXXX and overcharges me every month. As of XX/XX/XXXX, the fraudulent charges from Rushmore reached {$43000.00}. My past due interest is {$94000.00}, unpaid escrow is {$21000.00}, and no past due principal. Totaling {$110000.00}. These figures are from a Rushmore payoff Statement and are consistent with the terms of my loan. However, Rushmore 's XX/XX/XXXX monthly statement states that as of XX/XX/XXXX, my total overdue is {$150000.00}. 
The overcharges stem from Rushmore multiple mistakes and fraudulent acts : 1 ) Overstating the past due amounts incurred before my loan was sold and Rushmore became the servicer. These overstatements are from XX/XX/XXXX - XX/XX/XXXX and total {$12000.00}. 2 ) Rushmore is collecting for a past escrow deficiency of {$21000.00}. This is legitimate. Rushmore bills me at least {$2300.00} each month to recoup this amount. When I do not pay it, Rushmore adds {$2300.00} to my past due amount. That is NOT correct. The past due amount of {$21000.00} remains unchanged and does not grow each month. This overcharge for 9 months is {$21000.00}. 3 ) I do not know what the remainder of the overcharge is. 
I have raised these issue with Rushmore multiple times and they do not address it and don't appear to have the competence to figure out that their systems are making mistakes. Rushmore 's gross $ XXXX overstatement of my past due charges has harmed my ability to be fairly considered for a loan modification. And Rushmore is reporting the overstated charges to the credit agencies, hurting my credit more than it deserves. 
I hired Consumer Arbitration Services to Help me after no success on my own, but XXXX XXXX XXXX is a fraudulent firm. 
A foreclosure sale has been scheduled for XX/XX/XXXX. Even if CFPB can't stop the sale, I need help so that Rushmore stops overcharging me and not giving me a fair shot at a loan modification. 
Also, XXXX XXXX XXXX XXXX  XXXX needs to be disbarred and put out of business.
There is a item that on my account that is in collections that I have never been aware of. I think it may belong to someone else. I was wrongfully told by this debt collection agency if I was to pay the charge that this would resolve the issue. I would like this collection account immediately removed please or I will proceed with further legal action. Thank you. 


****This is on my XXXX report please remove immediately***** CREDIT PROTECTION ASSOCIATION XXXX Orginal Creditor XXXX XXXX XX/XX/2012 XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Okay '' over seven yrs ago '' XXXX I had purchased a tv from XXXX 's store okay I had the tv almost paid off when something went wrong with it, and it was taken back to XXXX 's by them they picked it up, and I had to do some paperwork so they could credit my account what I already paid on tv. They said they would replace it and just keep making my last few payments and the new one will be mine so I did, well when went to make my last pymt, they said I just started my pymts and said there was no record of them crediting my account so I told them I was n't paying for it twice. Then they came and took the tv.a couple months later I get a letter from XXXX 'S saying I was behind and neededto pay them XXXX for XXXX t.v. and like XXXX for the XXXX one. I explained it and they did n't care, so I told them I 'm definitely not paying them so they sold the debt to NATIONAL CREDIT ADJUSTORS, and i waited eight yrs for it to come off my credit. Finally it did in XX/XX/XXXX. Now I 'm older so wan na buy a house I ordered my credit report and there it was again after yrs of being off my report. Only now it 's reporting that I opened the account in XX/XX/XXXX. It 's affecting my credit score big time and I never did anything wrong at all. I told national credit ADJUSTORS the story, and told them I would like to see my disclosure from them and got hung up on. PLEASE HELP ME I CA N'T WAIT ANOTHER EIGHT YEARS and not paying for something they took and was already over paid for
On XX/XX/2018 I called OneMain Financial to learn about the types of loans they offered and I asked about their rates. After talking to the lady on the phone, I told her not to run my credit because I needed more time to think about it and because I didn't want an unnecessary hard inquiry on my credit if I didn't really need the loan. I told her not to run my credit and she did it anyways without my consent. She was trying to attach the loan to my vehicle and I told her I did not want to do that.
While attempting to make arrangements with Paramount Revovery for medical debt the representive made a statement about the negative reporting stopping us from being able to get mortgage, it was absolutely used as a threat.
Milend Corp refinanced over a year ago. Was contacted by broker rep XXXX stating he took over files and wanted to see if he could help with another loan. Advised not now, but he started asking all kinds of questions as to what changed, and when he asked if I knew what my credit score was I said yeas, but I insisted he not pull a report as I had too many inquiries from the past. he said he would not and had enough to go on, still told them not now, did not listen..Hours later was notified that a credit hard was pulled, he did it anyway, and come to find out he pulled my wife 's too and she never talked to him.Now I am banged with another credit pull. He lied about his company and stated they hold the loan ad they do not, it was sold 2 months after settled. Spoke to Vice President of Milend, defended this XXXX, and made me feel like I am the liar. well they record conversations, check it. I insisted he be fired and lose his license as I am sure he has done this before to others, very unethical. I refuse to be scammed and lied to on such a serious matter I am now flooded with mortgage offers from this pull.
I have been calling this LoanCare company since XXXX XXXX trying to find out when my property tax check would be cut from my escrow and whom they would be sending the check to. There is plenty of money to cover my property taxes, yet no one after XXXX calls can give me an answer where the money is and why it has n't been paid. I have spent numerous hours on hold to get absolutely no where.
I disputed the same accounts before. The result was to remove the negative information from my files, and yes it got removed. However, it opens the same debt amount under another name, making my credit score to go down. Im working very hard to have with my credit report and I do not appreciate for this company to make look bad when I working hard to have my record in good standing. 
Please help, these collection companies play with peoples life by doing/reporting whatever they want without knowing the consequences.
To begin with I received the following mailer in XXXX 2015 - '' Exclusively for Marriott Rewards Members - Elite XXXX Program offering XXXX bonus points with the Chase Visa Credit Card when you spend {$2000.00} in the first 3 months '' - Around the middle of XXXX I called the toll free number XXXX and requested for the Marriott Visa Card. 
The Lady accepted my request and applied for the Chase Visa Credit Card from Marriott Rewards ( subject to approval ) and said that I should receive the card in 1-2 weeks. I clearly discussed the XXXX bonus point option offered by this program and expressed the fact that the only reason I am applying for this Card is because I will spend the {$2000.00} within the first 3 months/billing cycle and want to avail the XXXX elite points on my Marriott Rewards card. 
I received the new Marriot Visa Card from Chase around XXXX XXXX by first class mail. I called to activate the Card on XXXX XXXX and started spending on the card. From XXXX XXXX through XXXX XXXX I made purchases in the amounts of over {$6000.00} - BUT TO MY SURPRISE I was only given XXXX elite points in my Marriott Rewards Account and NOT the XXXX points as promised. 
I first called Marriott Rewards and the Chase XXXX customer service around XX/XX/XXXX and complained the fact that I only see XXXX points instead of XXXX and they said to wait for a few more weeks. On XXXX XXXX I again double checked and called back to talk to the manager XXXX who said that he is going to send an email right away requesting for the additional XXXX points. Nothing happened after that - So once again I called both the Chase Card Customer service and requested for a manager. The super visor XXXX came on the call and said that I had signed up for the {$1000.00} / XXXX Bonus Points program and not the XXXX program - which is NOT TRUE because the number I called ( given in the mailer above was dedicated for the XXXX program ). So I called the same number XXXX again and put both the parties in Speaker and clarified the fact that this number which I had called in XX/XX/XXXX to sign up for this Marriott Card is dedicated for the XXXX program and so I did not do anything wrong on my part. 
I have been with Marriott Rewards as a Platinum member for over 7 years as I used to travel every week. Last XXXX years due to the nature of my contract I was working remotely 95 % of the time hence my Marriott Status dropped down and the only reason why I signed up for this program is to hike the points/status. 
I find this simply a utter mis-communication between XXXX and Chase and I should not be the one suffering for this. 
My Rewards number is XXXX and my contact number is XXXX
This all began on XXXX/XXXX/16. That evening at XXXX I saw the account balance was negative with XXXX transaction in pending status. Immediately I withdrew money from my ( at the time ) XXXX account and went straight to the bank, however they were closed. I double checked prior to placing the cash into the night drop box that all transactions were pending in my online banking, once confirmed I put the money into the box. I also confirmed prior to going to work for XXXX that the transactions had not processed and they were all still pending. In total I deposited {$280.00} cash into the night deposit box, which I have been told in the past by the bank manager that it gets deposited first thing prior to opening. I was also told that this was a better option than depositing into the ATM due to the order in which they were processed. 
XX/XX/2016 at about XXXX I checked my bank to ensure things had been processed, and found a balance of {$6.00}. The institution had returned every single transaction, charged me XXXX fees of {$37.00} ( {$190.00} approximately ), which with a daily limit of XXXX was all they could charge me. The account started with {$170.00} in it. On XX/XX/2016- the transactions were as follows : {$65.00} ; {$110.00} ; {$14.00} ; {$40.00} ; {$4.00} ; {$35.00} ; {$26.00} ; {$10.00} ; {$50.00} ; {$20.00} ; {$57.00} leaving a balance of - {$250.00}. If the deposit was processed first thing in the morning prior to XXXX ( the last time I saw the transactions as pending ) this would have been avoided. The largest transaction was debited first even though one would think a bank would have financial soundness of their customers as a priority, not their own financial gains. Also if the largest of transactions would have processed first I would have avoided multiple fees, instead the bank processed the XXXX first which made my account -XXXX, this was followed by XXXX additional transaction which were placed in a way that caused every single one to be returned. 
On XX/XX/2016 there was an attempt to reprocess a XXXX card payment, leaving me with -XXXX and it was again returned. It was returned on XX/XX/2016 and I was charged another XXXX $ for overdraft. On the same day I was paid XXXX from my XXXX job leaving my account balance of {$270.00}. At this point transactions were beginning to be reprocessed along with fees from various credit card/loans/automatic payments/debit transactions, I still am having difficulty returning to my prior financial state which is leading to further overdraft fees, I am unable to close my account due to ongoing resubmissions from credit card payments, and this whole situation has definitely impacted my entire life negatively. 
Also I would like to add that I have contacted the bank multiple times since the start of this and they offered me {$74.00} to cover the unreal amount of stated fees, and said that they were doing me a favor and " got special authorization to do so ''.
On XX/XX/2018 I called Transunion and XXXX. I spoke with rude customer service agents after I was on hold for hours. The customer service agents denied me the right to dispute items on my credit report even though the items are incorrect. Transunion and XXXX refused to let me dispute false information on my credit report. They act like they are working with the companies against my best interests. Transunion's/XXXX XXXX debt verification process is flawed and outdated.
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 XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX