WillisBack/dataset-financial-user-claim huggingface dataset:
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus. 

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Equifax allowed the entirety of my personal information as it regards to credit to become public knowledge. I did not authorize my information to be shared with anyone -- let alone the general public.
Southwest Credit Systems called me to collect on a debt from XXXX. The first time they contacted me they claimed to be calling from the State of California and were collecting information on pending litigation. Then after I cornered them on that lie, they pretended it was not one of their employees that called me, yet continued to harass me, claiming that they were collecting information on a future lawsuit. They also called my wife and XXXX year old daughters phones. I told them that I do not allow them to call anywhere except for my phone, they stated they would call wherever to collect the debt, I told them it was against FCRA, they stated it wa n't. Then I told them that I had not received a final bill from XXXX and I needed to verify since they had not sent me any paperwork. There have been days that they call 20-30 times if not more, I have yet to receive anything from them or XXXX.
They consistently trying to call my place of work several times day. I can not except external calls on my phone especially from a bill collector. I have informed my boss about the calls since she sees my phone reports. This is embarrassing to me and the calls need to stop.
My son was seeing a XXXX at XXXX XXXX in XXXX. On XX/XX/XXXX I had received a statement saying I owed {$570.00}. On XX/XX/XXXX I had faxed XXXX a copy of my insurance card with a note saying I thought they were billing the incorrect insurance company. On XX/XX/XXXX I received another statement so I called on XX/XX/XXXX and spoke with a gentleman in the billing department. He said he did get the insurance card, to not pay the bill and he will bill the correct insurance company. I then on XX/XX/XXXX, receive a letter from a lawyer that XXXX is making me pay the full {$570.00} plus late fees. I called my insurance company asking about the claims. XXXX at XXXX XXXX XXXX XXXX stated that XXXX did not file the claims until XX/XX/XXXX, it was passed the allowed allotted time therefore they were denying the claims. She also said I had a right to file an appeal on the claims. I also had sent a letter to the lawyers office disputing the charges. On XX/XX/XXXX I received a notice from the court that I will have to appear in court for the charges. I called my insurance company about the appeals and they stated that since it was passed the date they are upholding their original decision. I think it is XXXX XXXX that I did what I could to get him to send the information into my insurance. If he had the information on XX/XX/XXXX why did he not bill the insurance company until XX/XX/XXXX? I am being forced to pay all of the amount and late fees because he didn't do his job. This is not the first time I have had trouble with their billing department. I am not getting in resolve from them or the lawyer Jeffrey Lankenau in XXXX Ohio.
XXXX recently announced an unprecedented data breach, which included my data. 

Name, Address, Drivers License, and other data was taken. 

XXXX has not given- a ) me any confidence that they can protect my data b ) me an explanation for the breech c ) any confidence in their published remediation plans d ) any confidence that their executives take this seriously, based on their minimal support for impacted customers e ) me the ability to order them to delete my data so that they ca n't have it be breeched
XXXX XXXX XXXX is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XXXX and purchased buy PR in XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that XXXX XXXX is doing inquiries on my credit report as follows : XXXX : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment.

Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.
! ) forced placed insuranceBecause of forced placed insurance at a premium that is way above the market, followed by high demands of escrow account payments and suddenly substantially increased monthly payments, it was not feasible to make the excessive monthly payments. 
All payments have been made on time until HSBC started a forced placed insurance. 

2 ) check fraud $ XXXXHSBC wrote a check without my knowledge and without my agreement and debited my account. The amount was recovered, but it is still fraud by HSBC3 ) HSBC Loan No. XXXX wrong status / wrong interest rateThis loan has been documented by HSBC as a XXXX loan, but that is the wrong status because it is the XXXX and only loan on property address XXXX XXXX XXXX, XXXX, FL XXXX. 

As a consequence the interest rate is way too high at 9.375 % I have reported this error since a long time and several times but it never got corrected. 
The interest should be the same as on Loan No. XXXX which is 2.875 % 4 ) credit report disputeHSBC Loan No. XXXX and Mortgage Service Center Loan No. XXXX reported over 10 consecutive months ( from XX/XX/XXXX to XX/XX/XXXX ) the same mortgage but under XXXX different loan numbers to the credit bureaus. 
This caused that my credit score dropped significantly and damaged my credit history substantially. 
The false information has been corrected. 
HSBC and Mortgage Service Center are responsible for the damage ( loss in credit score ).
The bank is charging me a {$36.00} over draft fee dated XX/XX/2018 where as I had opted-out for them to reject all charges if there is NOT sufficient fees to cover the charges weather they were NON-occuring or non re-occuring ... I had told them to opt me out and complete reject all.

I have this RIGHT as a consumer ..per federal law so banks do NOT prey on me and continue to charge these BOGUS fees..

I had made it very clear ALL transactions to be rejected if there is no fee to cover them and I had made very clear I want to be OPTED-OUT and not in ...

I have called the bank and they tell me they see the opt-out for atm transactions but do NOT see opt-out for the check or re-occuring transactions ( CHA 's ) which is completley bogus ... .I want opt-out of all ...

why will any one opt out of atm transaction fees which is the most convinient for the consumer ... yet opt-in for the check or CHA transactions????

I want to be fully opted out for all and I want the {$36.00} revesred as I do NOT have to pay for the banks mistakes!
i settled the alleged debt Bank of America claimed i owed. Settlement and setoff was made over 30 days ago via United states Post office express mail to Bank of America payment center, i have proof they received it.
My name is XXXX XXXX and I am writing to lodge a formal complaint against XXXX XXXX agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a balance. There are fraudulent charges including charges for us not returning keys and drywall repairs which is totally untrue. The apartment was left in prestine condition and all we owe is for the two months rent which equal up to a little over 4,000 but minus security deposit equally around 3,700. I have repeatedly requested a complete validation of debt and have not received anything.

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe. 

Cease collection on an invalid date were I dont owe the amount they are attempting to collect and cease a desist collection. This has been reported to my credit report and is an attempt to collect on an amount not owed.
I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so
i was denied a hamp because the unpaid balance is over the hamp limit, I am only {$14000.00} over the limit of the hamp & also requested to pay this amount towards the principal to allow me to get reviewed thru the HAMP but they did not respond to my request. also they stated that they are unable to reach an affordable mortgage payment based on my income. my gross income is XXXX and that me or the co-borrower have reached the allowable number of modifications. I am at a point that I can afford my current mortgage payment, but I can not afford to pay back what I owe in the past which is over 200 thousand dollars, I want to save my home and I am trying every avenue to do so, however they seem that they are not willing to help me, instead they prefer to go thru the foreclosure process which it will cost them more money to them. I want to stay in my home and I am trying every avenue to do so.
I have been identified as a potential victim of the Equifax security breach. My personal information such as social security number, addresses, drivers license information, and more personal identifying information has possibly been breached. 

I was notified of this possible breach through news media on XX/XX/XXXX, and never through Equifax. I opted to look up my information on their website ( https : //www.equifaxsecurity2017.com/ )  designed for inquries. They indicated I may have had any information they had on file for me compromised. They did not say which pieces of information, but that I may come back to the site on XX/XX/XXXX to take further action, which includes credit monitoring by their company- which has been proven to be ineffective from a security standpoint.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX  Date : XX/XX/XXXXCompany : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXXCompany : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX  Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX  Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}
im receiving a letter about a debt i dont owe and i and the merchant ( XXXX ) suspect identity theft. the amount of the debt is {$1300.00}, the agency is diversified consultants inc, the agent is XXXX XXXX, their address is XXXX XXXX XXXX XXXX, FL XXXX the address that comcast found on file is somewhere in XXXX Florida . I 've never live in XXXX and i dont know anyone that lives there. the comcast account # is XXXX and the agency # is XXXX. XXXX told me to contact the ftc and file an affidavit but there website doesnt have the necessary form. it says that the link may have been moved. they also told me to file a police report. but i want to hear from you first before i proceed with that step.
I can not get my mortgage company to send me a bill. They are mailing it to the wrong address and told me I need to correct it. I never asked them to send it there so I do not understand why I ca n't get a bill mailed to the home on file ( the property address for the mortgage ). I am unable to pay my bill, so my credit is being affected.
Commonwealth Finance has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law. Date XX/XX/17 Amount {$620.00}
This complaint is to inform you that I recently received a copy of my Credit Report and after review I found an item that is inaccurate. The unverified account in question is listed below. Please send me original documentation that you have in your files as of this date that you used to verify the accuracy of the account listed below. Under the Fair Credit Reporting Act, 15 USC 1681, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit file. If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report you are damaging my credit worthiness. Please provide verifiable original documentation within 30 days. If you are unable to do so please remove said item from my credit report immediately. XXXX XXXX XXXX Acct # XXXX {$1200.00}
Due to the Hurricane Harvey damages and FEMA denied my application for assistance, I needed to get the remainder of the repairs done. I'd depleted my savings and repairs were really needed to live in the home. So on XX/XX/18, I went into the XXXX XXXX XXXX location completed the Title loan application and she had me to sign the documents. The strange thing I was told they could not give me the funds at their location and needed to go to the XXXX XXXX XXXX location to pick up the funds. So they faxed my application and a copy of my vehicle title to the other location. The representative gave me a check for {$1500.00} and told me my 1st payment would be due XX/XX/18. 
The Hurricane damages, no savings and one check coming after 2 -3 months caused a financial hardship. I decided to do a Debt Consolidation in which they wanted to payoff the XXXX XXXX Title Loans. We called XXXX XXXX to let them know we were paying off the Title Loan but the company was paying with a check from XXXX XXXX. We told the paying company knew they do not accept their checks and I was floored. My loan proceeds for paying off other creditors would be processed after the payoff of the XXXX XXXX XXXX Title Loan. I don't understand why they would not accept the payment from another financial institution. Now I can not get the loan.
XX/XX/XXXX I took out an installment loan with LoanMe, which I discovered through a commercial over the radio. At the time I had XXXX of my XXXX minor children in the XXXX after going through XXXX 3 months prior and needed the money XXXX 

I did unfortunately take the loan out based on the terms that the were expressed to me by the employee of LoanMe and due to the stress and emotions of the timing did not thoroughly read through the paperwork. I was given a loan at 138.28 %. 

I am a married man with a family of XXXX with a part time only job and when I could not make the payments that were not initially disclosed to me, I called the lender ( LoanMe ) to discuss payment arrangements and they denied me stating that my offer to make payments to them were not enough for them. 

I later received court documentation to for a court trial as the lender ( loanMe ) had filed in small claims court. I continued to get harassed and have asked them to stop harassment as we already have a court date set XXXX. The phone calls and harassment seem to persist. 

I also received an email from the customer service department at LoanMe XX/XX/XXXX and they sent me information for my loan and another borrower. Leading me to believe that their policy to protect my privacy is not adhered to with Privacy laws Act. 

Please look into this company regarding harassment and the lack of privacy.
Equifax in unwilling to give me a copy of my report although I have been told there is negative information contained therein and I have not requested a copy in well over a year.
I rented an apartment at the XXXX at XXXX XXXX XXXX XXXX and moved out of the premises XX/XX/XXXX. I was told that I would have to pay the relenting fees of early termination of lease of {$700.00}. I contacted the apartment because I had received a bill for approximately {$2400.00} from a collection agency called XXXX XXXX XXXX XXXX On numerous attempts. I tried to get the issue resolved with the correct amount being owed. I spoke with the apartment staff that made an adjustment and indicated that they did see an error in the amount that I owed and would adjust it. The adjustment was made to {$1400.00} I tried on numerous attempts to advise the collection agency of the correct amount and they told me they needed a copy of the corrected ledger. I submitted a copy of the corrected ledger, then they said the copy had to come from the apartment complex directly. The apartment indicated they sent a copy over as well. I made an initial payment of {$430.00} toward the balance and had made arrangements to pay the balance of {$1000.00} on XX/XX/XXXX. I got laid off work and contacted the collection agency and spoke with the unit manager XXXX XXXX @ Ext XXXX to stop that payment and make other arrangements for the {$1000.00} balance. They refused to take my request and told me to call back on Monday and speak with XXXX XXXX the account representative. I asked that since you are the manager, how come you could n't assist me. He said because I just cant. He also denied having the corrected amount that I owe and kept indicating that I was paying on a settlement. I tried to explain to them that this was n't a settlement because the amount of aaproximately {$2400.00} that they have is incorrect in the first place so there is no settlement. I have been placed on hold for long periods, been refused to get proper assistance to get the issue resolved and am very frustrated and concerned with how I have been treated and how they refuse to adjust the correct amount owed. Please help.
On XXXX XXXX, XXXX, I sent money from my checking account ( XXXX Bank, XXXX, Texas ) to an XXXX bank account using the website Xoom.com. The money got deposited in the XXXX bank account alright, but it supposedly got rejected by my American account ( the aforementioned XXXX XXXX account ). 

Now Xoom.com is threatening me with legal steps if I do n't pay the entire amount ( approx. XXXX XXXX dollars ) to them IMMEDIATELY. 

But 1. I do n't have ( like I LITERALLY do n't have ) XXXX XXXX dollars right now, even if someone holds a XXXX to my head or something! 


2. I 've explicitly told Xoom ( in writing ) that I fully intend to pay back the entire amount to them ASAP. But the best I can do is pay it in monthly installments of {$300.00} or {$400.00} ( at most ). But Xoom rejected my proposal and is continuing to harass me. 


3. Since the transactions had perfectly gone through at that point of time ( on XXXX XXXX, XXXX ), I had naturally assumed that everything was settled, Xoom and I were good, and there was nothing else to take care of. I thus planned my finances accordingly and made other expenditures thereafter. 

Now if Xoom suddenly comes knocking on my door, how am I supposed to conjure the money out of thin air?! Especially when the amount is equal to five entire months ' worth of my ENTIRE salary!!! 


4. During the original transactions on XXXX XXXX, XXXX, if the money had n't indeed cleared from the source account ( my XXXX XXXX account ), how the XXXX did it land up in the destination account ( the XXXX recipient account )?? Is n't Xoom itself supposed to ensure that nothing of this sort happens?! If Xoom did n't have the money from the customer ( myself in this case ) to begin with, then why did n't it decline the transaction in the first place??!!! I mean, like, any online merchant would do if you try to make a purchase with your credit card that will result in your credit limit being exceeded?!! Such declined transactions take place all the time, are n't they?!! Then why did n't Xoom do itself and me the favor of declining the transactions for which it 's now harassing me?!! 

I mean, if an ordinary citizen has to keep track of all the mundane arithmetic related to his/her finances, then what 're the banks / financial institutions there for?! To rip money off the ordinary citizen and to make the economy come crashing down ( like in XXXX ) from time to time? 


5. I 'm a XXXX living on my XXXX of XXXX XXXX dollars per month. {$300.00} or {$400.00} per month is the maximum amount I can spare to pay off the supposed " debt '' or whatever it 's called by Xoom. I 'm an honest, conscientious, industrious ( I have a GPA of XXXX at school as well as XXXX ) person. I do n't want to be living with a debt either, but I ca n't come up with money that I do n't have ( that is, the money that I do n't earn in this first place! ) I 'm sticking with my assurance to Xoom that I 'll pay back the entire amount as soon as I can, but if it continues to hold a XXXX to my head ( figuratively speaking ), I 'd LITERALLY have to XXXX.