WillisBack/dataset-financial-user-claim huggingface dataset:
On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to Equifax and XXXX. XXXX ref # XXXX.
The following companies have accessed my credit report without my request, consent, or permission. They also have no need to do so as I have never requested credit from them and do not have an account with them. I am a victim of cyber stalking and harassment and have restraining orders to prove it if you need them. I would like the following companies investigated and a written statement from them stating WHY they accessed my credit report, who requested it,  IP addresses if  it was done online, and any email, phone numbers used to do so.  <P/>    XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  , IN  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   These companies were not contacted by my and did NOT have my permission or any reason to check my credit.
XXXX XXXX XXXX XXXX XXXX agreed that I would pay a {$1900.00} by XX/XX/2019. In return they would not contact my new employer. I told them who I worked for and paid the total amount by the due date. They still contacted my employer before the due date.
XXXX collected {$2500.00} from me on XX/XX/XXXX for a settlement on a credit card debit. On XX/XX/XXXX ARA another collection agency attempted to collect on the same debit for twice the money. I informed them that this account was paid and they insisted that it was n't and were going to take me to court to get there money. I have a letter and my XX/XX/XXXX Bank statement indicating XXXX received the money. ARA claims the account is still open and is still owed money.I cant get hold of anyone from XXXX, and assume they are out of business or it was a scam all along.
I had an open case with Lowe 's XXXX I made in XXXX. At the end of XXXX I received a letter from them on this case saying the reason it took so long was because it was under someone else 's name. I did get the printout and on the print out it said pick up later. I didn't pick these things up. I tried to call them on the number on the letter and I left three messages for them to call me back to discuss this. They failed to call me back even though the message said I would get a call back within 48 hours. the last call I made to the dispute department was a week ago and still no call. 

I didn't pick these things up, My question to them was it the person that they had listed on the purchase order that they mistakenly gave the products to? I never received a call to see if I had picked everything up, Did they perhaps call this man who was listed and ask him if everything was picked up and that is why they closed out the order and just put picked up and completed? 

Their failure to contact me and that it took over two months for them to investigate is very telling.
I had an issue last year where hail damaged occurred. I filed a claim with my insurance, and they issued me my first check. They made the check out to myself and SWBC. 
I sent this into SWBC for endorsements, and was asked to file numerous paperwork. I did that, and they issued me a check for the half of the insurance payment, made out to my roofing company, and myself. However, due to the length that it took them to process the check, I had to switch roofing companies, in order for the repair to be completed in time. 
I reached out to SWBC and told them I needed to have the check re-issued to myself, and I would pay for the roof repair out of pocket. I had to send in more paperwork in order for that to be done. I did, and they told me they would issue the check just to me. I continued with the repair ( paying for it all out of my pocket, since their process was taking forever ), and their inspector came out to approve. 
They sent me the XXXX half of the XXXX insurance payment, and endorsed the check for the XXXX insurance payment. However, I never received the re-issued check for the first insurance payment. 
I called them, and they told me my account was closed, and the check had been sent months prior. When I told them I never received it, they asked me to send in the check ( issued to myself and roofing company # XXXX ), and they would send me another check. They did n't however, only endorsed the check ( which made no sense ) and sent it back. I have sent the check back again, and they are now telling me I need more paperwork in order to get my money back ( which I do n't understand when the account was supposedly closed out ). I have asked to speak to a supervisor with none available. I still am out the {$3600.00} that I have already paid to my roofing company, and it has been 2 months. I keep getting the run around from SWBC on what it 's going to take to get this money paid to me.
I took out a {$400.00} loan with XXXX d/b/a XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX and am being charged 866.8124 % in interested. I did not know that the interest rate would be so high or I would not have taken the loan out. I did some checking and found that your organization could help me with this. Please let me know if there is anything else you need for my complaint. They have deducted 4 payments of {$140.00} each every 2 weeks for a total of {$560.00} via ACH from my checking account.
Deutsche Bank holds a XXXX XXXX line of credit on my house at XXXX XXXX XXXX XXXX, XXXX, PA. The loan number is XXXX. They claim that between XX/XX/XXXX and XX/XX/XXXX, I did not have insurance on my property. While I did, that is NOT the purpose of this complaint. The purpose of this complaint is that during the time that Deutsche Bank claims I did not have insurance, they took out an insurance policy on my house for {$40000.00} per year. The actual insurance policy on my house costs {$6100.00}, as evidenced by the enclosed statement from XXXX 's XXXX. XXXX goes on to say that when a lender provides insurance ( " forced insurance '' ), the price can range up to 2-3 times the typical commercial cost for insurance that a homeowner would pay. Here, Deutsche Bank procured insurance of {$40000.00}, which is n XXXX times the cost of my insurance. This higher insurance rate is excessive. Absent documentation that this is a bona fide insurance company, it is also fraud by Deutsche Bank. Assuming 2-3 times the rate I would pay, the Deutsche Bank insurance should have cost {$12000.00} to {$18000.00} on an annualized basis, not {$40000.00}. As such, the pro-rated premium for the month and a half that Deutsche said I lacked insurance should have been {$1500.00} to {$2300.00}, not the {$4700.00} that Deutsche Bank charged me. Therefore, Deutsche owes me {$2400.00} to {$3100.00} for insurance premium overcharges. In the case where Deutsche would have matched the XXXX rate ( a policy that Deutsche has accepted ), then Deutsche would actually owe me {$4700.00} minus the pro-prorated {$6100.00} for six weeks ( {$760.00} ), or {$3900.00}. Please see attachments : Deutsche 's letter to the last complaint I filed about overcharged insurance, and the note from XXXX XXXX about what a reasonable insurance premium would have been.
Former landlord claims that I owe money for moving out of a property after I complied with all lease agreements
I  XXXX  am not the person that opened an account with  XXXX   XXXX . I can safely say someone has my information and is using it to get service with  XXXX   XXXX . Please feel free to contact me for any questions.
I believe that the loan I have with The LoanSmith is illegal in the XXXX of Florida ( my home state ) and may be considered predatory lending. The original amount financed is {$1200.00}. XXXX is 647.79 % with a total finance charge of {$6000.00} over the life of the loan, spread across XXXX XXXX XXXX ) semi monthly payments of {$360.00} which began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH, and I have recently revoked my ACH debit authorization.
I received a letter today from XXXX XXXX XXXX regarding a account that has been submitted for fraudulent transactions, also a theft report provided. I have no contract with XXXX XXXX XXXX & don't owe this debt.
ocwen mortgage refuses to do a loan modification on my loan. I have tried to get a modification on my loan XXXX times and I always get the answer of they can not do it. Loan is at 9 % way above normal rate. We are behind on mortgage they re fuse to help or use any of the gov programs.
Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/XXXX,
American Express charges over {$400.00} dollars in Interest plus + late charges. I was late twice in making the payments.
Paid off XXXX XXXX XXXX in XX/XX/XXXX in full on 2 accounts. See upload XXXX Payments of {$1300.00} and {$280.00} which include interest and fees. 
Now what I AM DISPUTING FOR THE 10th time is that it shows up to potential CREDITORS as DEROGATORY!!!
And it should be reported as XX/XX/XXXX when it was paid off back on XX/XX/XXXX Do SOMETHING ABOUT IT FINALLY!! 

Call XXXX XXXX XXXX and they will verify! 

Thank You! 

XXXX XXXX XXXX XXXX.
I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX ending in : XXXX. The account is a fraudulent and unauthorized account. I have never applied for an XXXX XXXX credit card account. The account and debt isnt mine and dont belong to me. The account has been transferred to XXXX XXXX XXXX XXXX for collections. I have been receiving harassing telephone calls at XXXX XXXX daily from representatives from XXXX XXXX XXXX XXXX using abusive and profane language, making death threats, threats of taking legal action and me going to jail. I informed representatives from XXXX XXXX XXXX, XXXX that I am a victim of identity theft and the account is fraudulent, unauthorized and dont belong to me. XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
i paid in full they said they update to reflect payment as of new update XXXX/XXXX/16 Status : CHARGE-OFF Amount Past Due : {$430.00} Date Reported : XXXX/XXXX/2016 status should be paid in full and amount due XXXX
On X/X/17, I wrote a check from my Citi checking account to my account held at XXXX. The check was cashed and the funds made available to me in my XXXX account. On X/XX/17, the funds were removed from my XXXX account because Citi noticed that the check could not be cashed. In other words, the check bounced, which resulted in 6 overdraft fees on my XXXX account for a total of {$140.00}. 
I immediately called Citi to inquire about the check. I had more than enough funds in my Citi account to cover the check. Citi explained that the checkbook should have been " activated '' like a debit card. I have never heard of " activating '' a checkbook and I 've had many bank accounts. Citi did n't honor the check because the checkbook had n't been activated. The checkbook was not activated because the instructions to do so were not clear. The Citi rep immediately transferred me to a  supervisor and agreed to reimburse me for the {$140.00} worth of overdraft protection fees. The rep also agreed to send a same-day wire from my Citi account to my XXXX account and waive the {$25.00} wire fee. The wire fee was indeed waived. To be reimbursed for the overdraft fees of {$140.00}, I was told to fax a copy of my bank statement to Citi. Once they received it, the credit would be applied to my Citi account. I sent a fax on XX/XX/XXXX. A week later, I called Citi to check the status and was told that the case had been closed because the fax had n't been received ( even though I had confirmation that the fax went through ). By this point, I did n't have access to a fax machine, so I visited an office supplies store to pay for the fax. I again received confirmation that the fax was successful. Several days passed with no communication from Citi and I again called customer service. I was told that the fax had n't been received ( again ) and needed to visit a branch. The nearest branch is well over an hour away from me. So, the rep said that she would open another case and track down the fax. Another week passed and I again heard nothing from Citi. My husband called to check the status and was told that although the fax was received, our request for a credit would not be honored because we should 've known to activate the checkbook. I spoke to numerous people and nobody previously told me this. In fact, it was the initial customer service rep who agreed to reimburse me for the {$140.00} fees charged by my other bank, otherwise I would 've pursued reimbursements from my other bank. I followed all instructions provided by Citi and was consistently lied to and given the runaround. Then, after jumping through so many hoops, my request was still denied.
on XXXX XXXX i was at Lexus of XXXX Because i was offer a # months waiver so there is only one 1 payment of $ XXXXwhit Lexus Financial Services and o a new lexus ct200h my payments was {$440.00} at months for 36 months at XXXX miles per year whit Lexus Financial Services so far today is XXXX XXXX and there is no answer of approval or declining this deal and i feel is because my XXXX background
I got incorrect information dorm the bank and the creditor ask to send a letter form the bank explaining for the account to be reopened and they lied.
We recently received a letter from Wells Fargo Bank dated XXXX/XXXX/16 from a XXXX XXXX, wherein Wells Fargo threatened immediate legal action to foreclose on my family 's home, without stating a specific date for proceeding with foreclosure action. 

Wells said they can not delay foreclosure action, but still refuse to give a date for beginning such action. It seems unfair to trap us into foreclosure or to trap us into a last second foreclosure by blindsiding us without a date specific with reasonable notice of at least 30-45 days. 
Wells say in their letter 'we can not delay potential legal action to collect the balance of your loan, which may include foreclosure ' For about six weeks or so, we have been asking Wells Fargo to supply us with a date when acceleration of a pre-foreclosure status and their threats of 'immediate forelosure ' in this case will proceed. 
We have a hardship 401 k loan available from the corporate administrator of my wife 's 401k account. She has been employed at The Gap for twenty two years. 
The IRS requires a date forward for XXXX to release our own dollars in our 401k account. 
Wells refuses to give us a date forward on the one hand, so we can access our 401k account to pay our mortgage and avoid foreclosure, but threatens us with immediate foreclosure action on the other hand, while still refusing to give us any date when such action may begin. 
This unfair entrapment by Wells Fargo.
Caller said she is XXXX XXXX from the Law Offices of Scott Caruthers, calling to collect a debt. She was very rude and when I told her I was at work and not to call me here anymore and asked for her number she did n't want to give me her number. She threated to file a lawsuit in court and it would lead to 25 % garnishment of my wages. I kept telling her I could not talk while at work and she was very rude and pushy!
Re : Account # : XXXX, XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/XXXX. The credit report of XXXX/XXXX/XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( XXXX ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX XXXX XXXX, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( XXXX ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

Sincerely, XXXX XXXX
Equifax is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX in my credit file. Equifax responded to my complaint filed and stated that " The FCRA allows bankruptcy information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for 10 years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.
My PayPal account was permanently limited without warning by PayPal in XX/XX/2016. When I called customer service department, I was told " PayPal my cash '' I purchased from XXXX and loaded to my PayPal account is supposed to be used to " buy '' stuff not to transfer to my bank. If I ca n't transfer my money to my bank, why do they make " transfer to my bank '' available?! It is " my '' cash I paid for it, PayPal has no grounds to tell me what I can do with " my '' money, and they have no right to hold my money for 180 days. 
Also, I got an email from paypal saying it was a mistake, but when I called back, they denied they sent the email and refused to resolve the issue and wo n't let me file an appeal. Please see attached email.
A loan office employee approached XXXX of my coworkers while they were outside on their lunch break in front of our place of employment and asked them, " Do you know ' [ first and last name ] '? She owes us money and I know she works for this company, but I did n't know if this location or not ''.
I sent {$1700.00} US Dollars which was the equivalent of {$1300.00} Euros to my daughter via Western Union and someone other than my daughter picked up the money.
I submitted a dispute in XXXX to XXXX Equifax and XXXX. XXXX completed their investigation and found out XXXX of the information that I disputed should not have been on my credit report. They removed, updated and corrected the information. XXXX has not done the same. Equifax refuses to fix my credit report. They have information on their that 1. does not belong to me and is incorrect ex. pucblic records, XXXX and XXXX investigated and removed. I pay for a monitoring service from all XXXX. They should update from the other 2 credit reporting agency. My XXXX score is XXXX with XXXX. XXXX XXXX is XXXX and equifax if a XXXX. That is unacceptable. Equifax and XXXX should be reporting the same as XXXX who took the time to investigate and provided the correct information. My financial situation is severly getting affected because of Equifax and XXXX. Please have Both equifax and XXXX update my credit report as XXXX did. All information on XXXX is correct. I am also attaching all XXXX of my current credit reports so you can see how bad equifax is. I only had to call and dispute once with XXXX. I called Equifax 15 times and disputed about 10 times and they still refuse to do anything about it.
I contacted Ameritech Financial in XX/XX/2016 per a piece of mail delivered to me stating they could help me repay my loans and ultimately reach loan forgiveness. I spoke with a representative named XXXX XXXX who walked me through a 2-hr phone conversation in which he assuaged my loan anxieties, stating the company would have me pay rates which would reduce over the course of 10-15 years that were based on my income. I initially paid something like {$100.00} and thereafter have been making payments of {$82.00} for about 2 years. The company led me to believe that my payments were investments to pay off my loans and that the government couldn't really help me like they could. I recently received a letter from the Federal Trade Commission detailing a law suit made against this company. Thus, I am filing this report. I am currently waiting to hear back from Ameritech to cancel my account and demand a refund. The number listed on their documents is no longer in service. I called them using a number on my voicemail ; they had called me on XX/XX/XXXX telling me I needed to sign a contract to approve debits. I did so. I have, up until this moment, felt comfortable with Ameritech because once I settled business with them, I would receive monthly emails from XXXX XXXX XXXX XXXX stating that I owed them {$0.00}. Since gaining this knowledge, I called XXXX XXXX who explained the fraud taking place in the same words as the FTC.
Just assuming here; I called and paid off the old XXXX bill and they charged my account XXXX. Contacted XXXX and they had no record of being XXXX charged so they bank fixed it right up cause there was XXXX from XXXX. Now it still shows I owe then when I paid it off in XX/XX/XXXX. Honestly this company should not be in business if they can't keep accurate records.