WillisBack/dataset-financial-user-claim huggingface dataset:
The County of XXXX XXXX is engaged in harassment and intimidation tactics by issuing tickets to law abiding citizens and referring accounts to collection agencies. I am trying to apply for employment and these heavy handed collection practices are prohibiting me from getting hired. I went in front of a judge and agreed to pay the extortion fees assessed against me and was told I would have time to make my payment on line. However, I received a call from a XXXX party collection agency ( AllianceOne ) demanding payment from me on the alleged infraction. The county has other means to enforce collections that should not include reporting my balance to the credit agencies.
the debt collector called me last 2 months ago in paying off my account. and i already make the payment. but they did n't close the account and now i recieved collection payment from different company.
Refer to case number XXXX copy enclosed Recived foreclosure notice, copy attached. XXXX XXXX cashed most payments then returned last payment demanding a {$22000.00} payment. I retained another lawyer. Letter attached. Foreclosure set fo XX/XX/2017.. XXXX XXXX have been devidingmy payments, taking payments for Tax escrow despite the fact that taxes have been deferred because of homestead exemption of elderly XXXX owner. One rep of Fay told us to carry our homeowners insurance. We got our own coverage. Fay sent notice stating that they would pay for insurance. Now we were paying for insurance and Fay was charging our account with insurance further deleting our applied payments meant for the mortgage. please see attached.
Please remove the following from my credit file as it does not belong to me : MIDLAND FUNDING LLC # XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX for Collection : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open AccountLoan Type : FACTORING COMPANY ACCOUNTBalance : $ XXXX Updated : XXXX Amount : $ XXXX Creditor : XXXX XXXX XXXX Due : & gt ; {$1000.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/XXXX
XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.
I leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( XXXX  and directly with XXXX XXXX ) to no avail. The results of the most recent XXXX Re-Investigation is included.
At the end of XXXX, Santander consumer USA repossessed my car. During this time, I have made effortless tries to try to get my car back from Santander. Every time I would call I would get a different quote or something completely different from what I was told by another representative. I have made several attempts and Still no luck. I have no idea where my car was taken too, I was never told where I could pick up my belongings, I was never notified of anything regarding the car. I know I have a right to know where the car is and at least get my belongings. I have confidential information and belongings in that car and still, Santander refuses to release information or at least my property. As a consumer, I have rights that were abused and not respected by this company. It has been a stressful process with no help. I have called multiple times with solutions and trying to come to a compromise or at least a solution. I have tried to work with Santander and have had no luck. It is XXXX and I still do n't know about my car or my belongings.
Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that Experian remove the account from XXXX XXXX XXXX.
I have recently made a purchase online XX/XX/XXXX with a merchant and used PayPal to transmit funds. The payments have been held up because of a typographical error on my name as entered into my PayPal account. I was informed that I needed to upload a variety of documents to verify my identity which I have done. PayPal then informed me that once they receive the information they will allow my account to be updated and release the funds to the merchant. I have complied with all of their demands and they will not release the funds to the merchant. The amount is approximately {$7700.00}. I have contacted PayPal several times between XX/XX/XXXX and XX/XX/XXXX an PayPal will not discuss any aspects of the issue with me nor will they give me any updates on the issue. I need to file a formal complaint.
Synchrony Bank, the issuer of your XXXX Account account XXXX They increased my minimum pay from XXXX to XXXX and never informed me and the charged and charged ... ... I was paying 2 times per month still got late fees ... .I lloks as inpossible to pay!!! <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utah XXXX
Ca n't reset password and pay online. Tried to call them couple times before and today. Every time the system put me on hold for almost an hour without an assiciate answered my call. I ca n't wait for that long. Very bad service.
On XXXX XXXX, 2015 I submitted an application to IBERIABANK Morgage Company, The application at the end it stated very clear if I wanted to speak to the Morgage rep before submiitng and I said yes to speak with the rep. The Morgage rep is XXXX # XXXX Cell- XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXXXXXXXXXX. He submitted my application without talking to me about my over all financial questions like other mortgage reps have done in the pass like XXXX and XXXX. He was not able to pre-qualify for a {$75000.00} Townhome morgage FHA, do to my credit score form XXXX was XXXX XXXX, XXXX XXXX and XXXX XXXX. I knew something was wrong do to I ck and Im ' enroll in the XXXX score and it do not match was so ever my credit score XXXX is XXXX XXXX, XXXX XXXX and XXXX XXXX. I called XXXX of the reps at the XXXX and spoke with XXXX of the reps and I expalin what had happen and she said that The mortgage person enter wrong information and that 's the reason I had a different score. I do n't want for anyone to go through this. I do pre-qualify for a Town home Mortgage and he did n't approved me. I even send the credit score directly from my fico account. and copy the Realtor do to she is referring her clients to this bank.
I have been having several issues with TransUnion and reporting out dated information. I have disputed with them on several occasions to no avail. I am hoping your company can possible intervene and help me get this resolved. I have done extensive research on credit reporting and how long something is allowed to stay on one 's credit file and all research indicated that the statue of limitations is 7 years from when an account first becomes delinquent and never again went current. For whatever reason TransUnion is the only credit reporting company that shows the old debts. I have attached a copy of some of the debts that TransUnion insist on reporting and indicating the year they are to be removed goes past the statue. They report one of the accounts twice! XXXX XXXX  XXXX XXXX aka XXXX XXXX XXXX account number XXXX shows twice yet it was actually charged off over 8 years ago. There was only 1 account ever with XXXX XXXX and again that was over many years. The other one started with XXXX  XXXX XXXX and the first missed payment wasXX/XX/XXXX then they transfered it to XXXX XXXX   who transferred it to XXXX XXXX. None of the accounts should be reporting on credit, all are past the statue of limitations.
I was trying to use my chase card at a bakery on XXXX/XXXX/15 in XXXX and discovered my charge card was declining my transactions. Chase card company texted and called me to inquire about the unusual activities they spotted on my card. I informed the chase representative that those are charges on my chase card not mine and they are unauthorized, therefore terminate my card. The chase representative then asked me, when was the last time I used the chase charge card? I explained to the chase representative that I used the chase card on XXXX/XXXX/2015 at several stores in XXXX, XXXX. I did not use my chase card in XXXX nor XXXX to purchase apparel. The chase representative stated that he will forward my disputes to the chase claim department and they will provide me refunds on the unknown charges to my chase account. The chase representative also stated that I will be receiving a new chase card in the mail. I thanked the chase representative for his assistance in this matter.
I submitted a complaint on XX/XX/XXXX regarding unauthorized activity on a recently pulled credit report from TransUnion and their refusal to investigate. TransUnion responded on XX/XX/XXXX stating, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. '' Only to receive a follow-up response in " less than '' 24 hours with an " explanation '', no investigation. 

How is it that I received a response on XX/XX/XXXX stating that you are reviewing the matter, then a follow up response in less than 24 hours later. My complaint included XXXX hard Inquiries ( XXXX-XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX of your company 's very own ( XXXX XXXX XXXX ( XX/XX/XXXX ) that were not factual or authorized. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in LESS THAN 24 hours after, one can assume that there was no investigation into the matter. I submitted this complaint due to the lack of investigation into my concern for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I had a XXXX money order stolen from the mailbox in 2014. It was deposited in and cashed at TD Bank. I have been trying for almost 2 years to get my money back from the bank. XXXX has sent TD Bank several letters with proof that it was stolen but the bank has been ignoring the letters. I have contacted the bank and they refuse to give me the money back. I am inclosing all of the correspondence between myself, XXXX and the bank.
I have been an Arvest customer for many years. Several accounts and several mortgages. A couple years ago I got a divorce and will admit financially it was hard. Paycheck to paycheck and most weeks negative. I was able to stay a float though till my mom passed away a few months ago. She left nothing so in order to bury her I took out short term loans and whatever I could. Thats when it became a disaster. I went to a debt consolidate place and I am trying it. Anyway all the loans were going to be put into one pymt but they kept trying to auto draft my checking account still. I told Arvest not to let them but they kept on so I begged Arvest to close that account numerous times but they refused. They closed it when it finally had over 700 dollars in just overdraft bank fees. I couldnt pay that and dont think its fair when I asked them to close the account or stop these places from trying to debit my account. I couldnt deposit any money into the account or these loans would have took it. Arvest then took XXXX dollars of my XXXX year old sons account to pay some of the over draft fees on my account saying I was on my sons account. Thats news to me. I never received notice that I was. Arvest has no right to take his money to cover this. He doesnt live at Home and has a family of his own. When I pull up my accounts with Arvest it has never showed my sons account. When I have order checks from them they mentioned the two accounts I have with them, never mentioned a third account. Anyway now the same thing is happening to my second account with Arvest that happened with the first. Once again they are refusing to close it or stop a certain business from trying to debit my account and its already over 500 in bank fees. I am at rock bottom. I have explained about my mom, begged and pleaded for mercy but have had no luck. I have never seen a bank so uncaring and heartless. I cant afford these overdrafts. My electric got shut off the other day. I am working 60 hours a week trying to catch up. Over 1,000 in bank fees this last couple of months is robbery. I have tons of messages to Arvest asking to close my accounts or stop the auto drafts starting from the beginning before it got so far out of hand. They refused. Tk you for listening and please help me before I lose everything including my mind. 
XXXX XXXX
I have attempted to reconcile my repossessed vehicle payoff with direct phone calls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and finally a consumer protection email on XX/XX/XXXX requesting to attempt to reconcile my defaulted car loan with Capital One. I have left voice mails stating my desire to try and get this taken care of. I am trying to do the right thing but they refuse to even try to help me get this done! Please help.
I am in the middle of repairing my credit and I noticed a second inquiry on my report. I did not initiate this inquiry. I know what my scores are and I would have known that applying anywhere would have gotten me nowhere resulting in unnecessary inquiries. The only valid inquiry is for XXXX XXXX SECURED card where I had to place a deposit in order to get approved. I have sent two letters requesting to have the inquiry removed and the company has not complied. They only mailed me one letter stating they confirmed the information from my credit report. They have failed to provide me my original signature and they did not have permissible purpose whatsoever. I am attaching copies of all the certified mail, return receipts, their one and only response, a copy of my FRAUD alert to the bureaus and a copy of a letter  sent to XXXX. I want this false inquiry removed from my reports immediately.
I recently received a copy of file from ChexSystems. After reviewing the file I find that they are allowing unauthorized access to my file. There were over XXXX inquires to my file that I was not aware of and unauthorized. In addition, they are reporting bank accounts that were charged off and others that should have never been reported. The following banks have inaccurate listings : XXXX, XXXX, and XXXX. As a result of this I was not approved for a business bank account.
i have been contacted by First Source Advantage for a XXXX CC debt from 10 years ago, the debt has not been on my credit report for years. could be potentially legit debt, I have been cleaning up my credit I 'm unsure what I have paid off in the past. 

I have ask for verification of this debt and even provided an updated address. they have failed to send any information. they called back after a month, i still had n't received any information, they verified the address in their system, which was correct. 
Here it is another month later I Have n't received any documentation and they called again. I told them i have n't received anything from them still and not to call me again.
I have a n Auto loan w  ith Santander Consumer USA Inc. Th is is the biggest scam I have ever seen. I did n't have the best credit when I got the car, so I am supposed to have a simple interest loan with a sky rocket rate of   XXXX   XXXX   APR and a monthly payment of { XXXX } due on the  XXXX  of each month.. My first problem with them wa s after falling into financial trouble, I was able to defer  XXXX  payments, Not knowing that once I made my next  XXXX  payments after the deferment, ALL of the money would go to interest. ( Is this even legal? ) Now currently, I  am up to date with all of my payments, I made an EARLY payment on  XXXX   XXXX ,    2017  where ( { XXXX } went to the principal, and { XXXX } went to interest. ) Now  XXXX   XXXX ,  2017 , I made a payment and only  ( { XXXX } went to the principal and  XXXX } to interest. ) How is this even possible? I made my payments early, b ut I am being penalized and more of the money is going to interest. There are also a number of ( misc. fees ) applied to my account as to which they say, those are late fees from prior months or those are fees for this and that. ) This company should be ashamed of what it is doing, not only are they getting a ridiculous amount of money from me every month, plus a ridiculous interest rate, they are also   XXXX   me over for making payments early.
I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof.

3. XXXX XXXX XXXX/Original Creditor : XXXX XXXX XXXX $ XXXX First time contacting this agency was XX/XX/2017. They sent me a print out but no signature.
I applied for a job onXXXX and a man named XXXX XXXX sent me a check byXXXX XXXX  for {$1900.00} which was {$1600.00} over the amount I was supposed to get. He asked me to forward the rest to XXXX XXXX at Bank of America. I had deposited the check into my BOA checking account XXXX and transferred {$1600.00} to BOA account # XXXX. I thought the bank would not release the funds to me until it had cleared. They would n't release any information about the BOA account I sent the money to.
On XXXX/XXXX/2016, I applied for a HARP refinance loan with Homeward Residential ( Homeward ). I was told I would not need an appraisal for my refinance. I received my initial and ONLY Loan Estimate ( LE ) from Homeward on XXXX/XXXX/2016. A copy is attached. The LE does not include an estimated charge for an appraisal. It does include a general lender credit of {$180.00}. This lender credit reduces the cost of the loan and as such is a closing cost subject to zero tolerance under 12 CFR 1026.19 ( e ) ( 3 ). 
On XXXX XXXX, 2016, I received an e-mail ( copy attached ) from the loan officer indicating that an appraisal was required. I was asked to verify that payment information previously provided was accurate and could be used to process payment for the appraisal. The loan officer indicated that I would receive a lender 's credit for the appraisal amount at closing. I was charged {$440.00} for the appraisal, which was paid. 
I was given no opportunity to shop for an appraisal service. I was told this service was required by the lender. Under 12 CFR 1026.19 ( e ) ( 3 ), this makes the appraisal cost an item subject to zero tolerance. 
I never received a revised Loan Estimate detailing the change in the costs of my loan, as required by 12 CFR 1026.19 ( e ) ( 3 ) ( iv ). After the third business day following the date that Homeward was aware of the change ( XXXX XXXX, 2016 ), Homeward should have lost the ability to charge me for the increase in cost represented by the cost of the appraisal. Homeward should be required to rebate this cost under 12 CFR 1026.19 ( f ) ( 2 ) ( v ). 
On XXXX XXXX, 2016, I received an initial Closing Disclosure ( CD ). A copy is attached. The initial CD included a charge for the appraisal of {$440.00}, shown as paid prior to closing. This CD included a lender credit of {$620.00}. Presumably, this amount was the original general lender credit disclosed on the Loan Estimate of {$180.00} plus the amount of the appraisal ( {$440.00} ). 
The loan was closed on XXXX XXXX, 2016. We received a copy of the final Closing Disclosure, which is attached. The CD did not include a rebate for the zero tolerance error related to the appraisal as required under 12 CFR 1026.38 ( h ). I received no lender credit of {$620.00}, as disclosed on the original Closing Disclosure. 
I contacted Homeward Residential on XXXX XXXX, 2016 to discuss this situation. I was told that I was not entitled to a rebate of the appraisal fee or any other costs associated with this loan. At that point, O notified Homeward of my intention to file a complaint with the Consumer Financial Protection Bureau. 
Under Regulation Z, I am entitled to a rebate of {$620.00} for the increased zero tolerance costs on my loan with no proper disclosure under the requirements of 12 CFR 1026.19 ( e ) ( 3 ) and 1026.19 ( f ) ( 2 ) ( v ). However, Homeward is refusing to rebate these funds.
XXXX XXXX XXXX is reporting on my credit report and they are not listed under the Tennessee verify site and I want them to be permanently removed from my credit file immediately from all 3 bureaus!
Repeated calls from XXXX National Commercial Services. The same Voicemail everytime.

" Hello this is NCS with an important message regarding an unresolved claim. Your insurance information or satisfaction of this claim is needed to conclude this issue. Please call XXXX to speak to your representative '' I don't have any outstanding claims. I've tried to call the number and no one ever answers.
Account cased 13 days after opening and including equipment returned with receipt within 13 sldays. This debt is for an early termination fee. I do not owe with verizon.
I have disputed a collection account with XXXX XXXX, XXXX that is on my Transunion credit report. This collection account has been disputed several times with Transunion, and also with XXXX XXXX, XXXX. I have asked for validation of this debt in which I am entitled to under the FCRA. Every time that this debt was disputed, I have been told that the debt was verified. However, I have never been provided a signed contract with my signature on it between myself and the Original Creditor ( XXXX - XXXX ) or  XXXX XXXX, XXXX. I called XXXX to ask to get a signed contract with my signature on it, and they could not provide one. I asked XXXX to do the same, and their response was " You indicate that when you asked XXXX for a signed contract, they advised that account records are not kept on file after the debt was sold. Please note that it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by you, the representative of the original credit provider may not have had access to the pertinent account information. '' They also report the debt amount being {$4000.00}. According to correspondence from XXXX - XXXX, this information is incorrect. The Original Creditor states that the amount on date of sale was {$3900.00}. Reporting an incorrect amount is a violation of the law. XXXX agreed and has removed XXXX XXXX, XXXX from my credit report. I am asking for Transunion to do the same, and remove the collection account with XXXX XXXX, XXXX from my Transunion credit report immediately. I have attached correspondence from XXXX XXXX, XXXX and XXXX - XXXX as evidence.