WillisBack/dataset-financial-user-claim huggingface dataset:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX XXXX XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX XXXX XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EQUIFAX that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
I had an account with a company called XXXX XXXX XXXX for monitoring an alarm service at my home. Everything was fine and I had automatic withdrawals from the bank account I had at the time. Once my home was in escrow, I called XXXX XXXX XXXX and made my final payment. They told me nothing else was needed to close the account and I was in good standing. I did not purchase any equipment from them, nor did I live in the home. A few months later I got a bill in the mail. I called to inquire about it and again they told me it was resolved. Several months passed and I received another bill for an outrageous amount. I called again and they told me that I did not cancel my contract and that I have to pay for a service whether I lived in the home or not. I offered to pay a portion of it out of good faith if they sent me a final bill with a cancelation policy and the account manager " XXXX XXXX '' told me no. In his words " black mail my credit '' if I did n't pay 36 months of payments ( I only signed up for 21 months ). I refused and called again to speak to someone above him which I was denied my request. After I requested to be contacted via email so I can have a document of everything he was staying. I asked for a contract stating where I signed up for all of this and they provided a contract. The amount of months my contract was for was crossed out in pen and re-written and they added to months to it, with no initial or signature indicating that I was in agreement with them. In fact I never gave them my social sec #. Also I found it strange that when they sent me a copy, under my signature shows a cut off signature of whoever " Accepted/signed '' the contract and it has a complete different date on it. SO pretty much you sign a contract, then they modify and resign at another date and tell you that you owe them money. I was upset and I told them I am sorry I can not pay money for something I did not ask for. Two years later I look at my credit report and there it is. This is unfair and unjust. I have went on social media to post a negative review to warn other potential victims, also gave them a review on yelp. The more research I have done I noticed that there are many more people who are in the same situation and worse. 
Thank you
Received a collection letter for a {$970.00} balance of a XXXX account. I 've never had a XXXX XXXX Account.
The address listed as current is fraudulent. Also, there are open accounts I did n't open. There are also hard inquiries I did n't authorize.
XXXX XXXX XXXX XXXX keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?
Deutsche Bank was commanded by the United States Department of Justice, in 2015, as a result of their guilty plea, and adjudication, to compensate those ( investors ) and consumers, like myself, for the harm that Deutsche Bank caused by their manipulation of the XXXX rate and their secularization of loans misconduct. ( Please see attached documents. ) Also, Deutsche Bank was to appoint and provide access to a third party administrator to provide for such compensation to consumers affected by their criminal actions like myself. I have tried many times to get contact information for the third party administrator, by calling Deutsche Bank 's law department. I was told to contact their media department, or they don't know who I should contact. I am asking for XXXX 's assistance in getting the contact information to the third party administrator for this court ordered compensation due from Deutsche Bank.
Portfolio Recovery Associates have been harassing me for over a year, over 1000 phone calls even after demanding they stop calling me more than one time. I informed them of the federal law they are violating, yet they responded : " we follow company policy only ''. They even called friends and relatives.
We need Legal Forms For Constitional Laws Business and Cooperates complaints on businesses must be made. We have the $ amount that we are paying. Send asap the fees to this company. I have credit card and am awaiting For the money to be released from www.chase.com
I have contacted Bank of America and asked for my title to be released through writing a letter of dispute to the BK department who forwarded it to the Lien release department. I was informed today that the bank will not release my lien unless I pay an additional sum of XXXX even though I have a print out showing my loan was at a XXXX balance after making the final pay off amount of {$960.00} on XXXX/XXXX/11. I also was forced to pay an additional amount of {$7700.00} after the XXXX balance statement was given to me on XXXX/XXXX/11. Please refer to my attached letter for additional information
On XXXX XXXX, 2017 I set up a billpay account with my chase checking account. I attempted to pay XXXX XXXX XXXX the sum of {$300.00}. I later received a call from a garbage company by a similar name ( XXXX ). They said that they had received an electronic payment and wanted to what it was for. They informed of the amount and I told them that Chase Bank had sent it to them in error. They said they would make an electronic refund. To this date, XXXX XXXX, 2017, Chase Bank has not acknowledged they have received a refund and insist that they sent the payment to XXXX. This is not true. XXXX has not received payment from Chase Bank. I would like Chase Bank to refund {$300.00} to my bank account. I believe the error is theirs, not mine..
SunTrust Mortgage is holding our insurance claim proceeds in the amount of {$95000.00} from Hurricane Irma. The mortgage company completed the final inspection of our home 's damages in XX/XX/2018. The insurance claim payment was received as a result of a settlement agreement after procuring the services of a public adjuster.
I purchased an engagement ring on or about XX/XX/XXXX and secured credit through Sychrony Financial. I have consistently paid timely and in amounts 2 to 3 times greater than the minimum required amount. I conduct all of my banking electronically. I received all notifictions through email and paid accordingly. Conspicuously, in the month XXXX XXXX, I received no email from Sychrony and therefore missed a payment XX/XX/XXXX ( I had last paid Synchrony on XXXX/XXXX/XXXX ). The emails resumed and I noticed on my XXXX statement that the minimum payment had increased so I made a payment on XXXX/XXXX/XXXX. I planned on making another payment today XXXX/XXXX/XXXX and upon looking into the account I realized that I was not only charged XXXX late fees but was also charged a 30 % interest payment of {$1000.00}. I immediately called Synchrony and was informed that I was charged the interest because I had n't paid off the balance in full by the end of the promotional period. I informed the representative that I had n't received any notification XX/XX/XXXX which is why I had missed a payment in XX/XX/XXXX and was not informed that the promotion was ending. I asked if I could pay the balance in full minus the interest charge and he informed me that I could not pay off the balance without paying the interest. I have excellent credit history and have paid this Synchrony line of credit consistently and in excess of the required payment amount since the first payment. I had planned to pay off the balance in full prior to the end of the promotional period but I was not informed that the promotion was ending. I only discovered this upon calling today. I was unaware that there were any issues with my account because I had been so consistent in my payments and had not received any notification to indicate that there was a problem. Upon reviewing my emails, I discovered that I had not received any emails from Synchrony XX/XX/XXXX. I can only conclude that the coincidence of this omission of notification was intentional and that Synchrony Financial intended to fail to inform me of the expiration of the promotion in order to secure a usurious interest payment from a responsible customer.
XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX- {$30.00} XX/XX/XXXX - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information. I also requested a copy of letter explaining they were attempting to collect as I never received one copy. Reporting agency stopped answering my calls and emails. I also contacted their client and requested for them to send me a copy of original invoices for which the stated they didn't have any available, I never received these invoices and went on a weekly basis to this place for therapy and they failed to inform me I owed anything as I have insurance that should have covered these charges. Reporting agency is also reporting several different accounts for the same issue. The first time I learned about the collections was in late XX/XX/XXXX, I had to call the reporting agency as I never knew this was on my credit report.
Hello, Equifax continues to provide inaccurate information by reporting an account listed as : "  XXXX   XXXX   XXXX  '' in the amount of {$570.00} twice as derogatory ( collections ) on my account. This is the same account listed twice and is not mine. The reporting of this inaccurate information not once, but twice on the same report has resulted in lower scores and financial loss for me.  <P/> Additionally an account listed as  XXXX ,  XXXX  for {$100.00} has been reported and investigated in the past and still reports even though Equifax has been provided with proof of paymen t ( re ceipt to   XXXX   XXXX   for {$100.00} ) showing their subscribe r (   XXXX ,  XXXX   )  is proving false and inaccurate information. The information can be confirmed with Billing at  XXXX   XXXX  at  (   XXXX  )  XXXX - XXXX  Attn :  XXXX   XXXX .
On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. 
On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. 

I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX ) and I have never lived out of state.
Collection company is attempting to collect a hospital bill which was already paid by the patients health insurance company. Collection company repeatedly, fraudulently, verifies that the debt is correct even after being notified by patients health insurance company as well as patient 's mother that debt was paid. EOB showing payment amount and in network participating provider documentation have been provided by health insurance and damaged individual. Collection company is currently causing significant monetary damages to consumer by way of reduction of credit score/denial of credit due to this fraudulently publishing.
In XXXX my mother in law died she had no living relatives to bury her. She had XXXX insurance policies signed over to the Funeral home XXXX/ XXXX XXXX . They took every penny. The funeral was priced at around XXXX. Being a widow I did n't not receive one dime of the proceeds. I took the budget funeral pkg. I do n't know what happened to the money, but I went to XXXX for the arrangements because they had received XXXX in a pre burial arrangement prior to XXXX XXXX demise. The next thing I found out was XXXX XXXX has transferred the arrangements to XXXX. There was always something shady about XXXX. I tried numerous times to contact him to no avail. Whatever transpired between the XXXX funeral homes is not my responsibility. The problem lies in the accounting and bookkeeping with them. I owed nothing before or after she was buried, well over {$20000.00} dollars went somewhere. The burial plot, cemetery fees etc were all paid for. I guess XXXX XXXX is the collection agency. This is true information no scam. Thank you
I have explained to the medical billers and then the Medical Business Bureau collections agency via letters on XX/XX/XXXX and XX/XX/XXXX and via phone on many other dates, that I signed an agreement at The XXXX Hospital in XXXX, TX when I was administered treatment for a XXXX XXXX, stating that I would only be billed the amount that they were charging to my credit card that night, which was {$150.00}. 

I explained and offered proof that I paid this amount on the night of the treatment and have repeatedly stated that the agreement that I signed at the hospital promised that I would not be billed anything other than the {$150.00} that I paid at that time. I made it very clear at the hospital that I would not allow anyone to treat me without such an agreement as I do not have insurance ( and I was not even convinced that I needed any treatment ). Unfortunately, there is a real problem with hospitals routinely sending additional surprise bills after treatments where payment has been already rendered. This has happened to me before, and this time I wanted to be very careful to prevent this happening again. 

I explained to the medical billers and this collection agency that they are legally required to produce a document that I signed, stating that I would pay what they are asking me to pay. I know that at the hospital that the administrator attempted to have me sign documents promising to pay for various treatments that I refused. Therefore, I am 100 % confident that there are no documents that were signed by me stating that I would pay anything beyond the {$150.00} that I paid at the hospital. 

I explained to everyone who attempted to extort further payments from me in relation to this treatment that pursuant to the Fair Debt Practices Collection Act, section 809 ( b ), they must cease to collect unless and until they mail a copy of the verification of the debt to me ( the consumer ). They were unable to produce such documentation and they stopped harassing me with letters and calls after that. 

Now, suddenly -- three years later -- -on XX/XX/XXXX the Medical Business Bureau has improperly reported this collection to my credit report in a derogatory manner in two separate reports. This improper reporting has kept me from getting an auto loan.
I got an alert in my email from XXXX XXXX. I checked my credit report and it showed a collection agency named XXXX  XXXX reporting a student loan debt. I sent them a validation letter because I did not recognize it. They mailed me a response on XX/XX/17 saying they are attempting to collect a debt for XXXX XXXX XXXX and they attached verification documents regarding the debt. I looked at the documents and it was a Loan Request/Agreement Form with someone else 's name, address, social security number and school I had never been to before. It also had the co-signers name, address and social security number. That was a breach of their privacy. The other pages were payment history of the student loan from this person but it does not show his banking information. I was so upset because not only did my credit score go down, they sent me someone else 's personal information with all this identity theft going on. I responded with a letter to notify them of the error and to have it removed from my credit report immediately. They have not responded, so I want to file a complaint.
My mortgage company HSBC say I owe one month back mortgage and I do n't and they keep sending me letters saying that I 'm past due one month.
XXXX XXXX advertises a MasterCard through Bank of America that can  supposedly be used to instantly buy tickets. 

On Sunday, XX/XX/2018, I had a family emergency and needed to travel right away. My brother decided we were flying down on XXXX. I didnt have the funds on hand to fly, so I applied for the XXXX MasterCard through their website. Their website advertised that the card could be used instantly upon approval. I was redirected to the Bank of America site ( or maybe some hybrid of the two affiliates - it was tough to tell when I was with which company ). I was instantly approved for a {$4000.00} limit, but Bank of America didnt redirect me back to the XXXX website. XXXX, in turn refused to take their branded card as payment, claiming that I needed a he CVV code. I called Bank of America who assured me that XXXX could run the card without the CVV. XXXX refused. Now, Im stuck with a card that cant be used. XXXX  has refused to do anything for advertising a card that could supposedly be used immediately and then refusing to do so. 

I spent much of the morning of Monday the XXXX on the phone with XXXX   and went through three levels of agent - a line agent, a supervisor and a manager. I was then told that they could go no higher without emailing their corporate offices, leaving me no relief, since I had to travel that day.
Transunion has XXXX XXXX as to be removed XX/XX/2018
THE HYUNDAI FINANCIAL SERVICES SENT MY ACCOUNT TO COLLECTION AGENCY WITHOUT SENDING ME THE BILL THAT I OWE AND NEED TO PAY TO HYUNDAI FINANCIAL AND WITHOUT GIVING ME THE NOTICE THAT IF I WILL NOT PAY THE BALANCE THAT I OWE THEY WILL SEND IT TO COLLECTION AGENCY. SECOND THE COLLECTION AGENCY NEVER SEND ME ALSO A LETTER OR NOTOFICATION BY MAIL. UNTIL ON XX/XX/2016 I RECEIVED A CALL COLLECTION AND I WAS SHOCKED SINCE I AM NOT AWARE ABOUT THE DEBT. IT WAS A LEASE CAR THAT I RETURN AND THEY ARE COLLECTION THE WEAR AND TEAR AND THE INSURANCE IS RESPOSIBLE IF PAYING AND I DID FILE THE CLAIM. BUT IRREGARDLESS OF WHO IS RESPONSIBLE OF PAYING. THE DEBTOR NEED TO SEND A BILL OR NOTIFATION AND CALL THE CONSUMER
Previous CFPB complaint # XXXX. Previously I advised that I returned my lease for my XXXX Chevy Cruze XX/XX/2015. I returned 3 months early due to many recalls as well as transmission issues. ( I was already on XXXX transmission after only XXXX miles ) Previously the CFPB case I opened told me that my account was closed, and I was even issued a refund for a payment. I am now getting harassed stating that I owe GM {$1700.00} for returning my lease. WHY would I owe money, after they had issued ME a refund check. This is extortion for money that I do not owe, and was told I do not owe. Please refer to the letter I received in my prior CFPB case. I also tried to call the person that wrote that letter numerous times with no reply. Every time I call GM, I am told they will investigate, and I do not hear back, or I get passed around. I do not owe this money, and if GM continues to pursue it, or if my credit gets affected in any way, I will seek legal counsel.
My XXXX XXXX mortgage Loan service was transferred to Nationstar Mortgage XXXX d/b/a Mr. Cooper on XX/XX/2018. FHA XXXX XXXX loan is negligent on transferring my loan to a servicer with a history of consumer violations and penalties. Mr. Cooper the new loan servicer has not contacted me about any such transfer or what account to pay my mortgage to. Without refinancing I want this transaction voided. I have not even made my first mortgage payment to Mr.Cooper and they already violated my consumer rights by not contacting me within 30 days of the XXXX letter notice I received dated XX/XX/2018.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2017 Amount : {$1300.00}
I am behind on a payment with Conn 's XXXX XXXX and they violated my privacy by going around me and contacting my parent 's house in another city. I have not lived with my parents for 18 years, never have lived in the house they live in or EVER used the phone number that Conn 's called. The completely violated my private credit account. They NEVER had permission to use the phone number for my parents house and they left a message asking for me to contact Conn 's. Now my parents know that I am behind on a payment, they are now contacting me asking me what is going on and why they received this phone call. Now I have worried parents and there is an issue in our family because they want to know what is going on.The supervisor at Conn 's tried to explain to me that this is ok because they had that number as a reference. I know that they are not allowed to contact a number that is listed as a reference about my account and that by even calling the number and especially by leaving a message, that is a direct violation of my privacy. This is MY private account, no one else is on the account so NO ONE else should EVER be contacted about it.