WillisBack/dataset-financial-user-claim huggingface dataset:
On Wednesday, XX/XX/XXXX was the last time I physically used my card I notice on Saturday, XX/XX/XXXX I did n't have my card. I did buy food at XXXX through XXXX the night before Saturday. Saturday morning I immediately called the bank and alert them but between the XX/XX/XXXX and the XX/XX/XXXX checks were deposited that were not mine and money was withdrawn actually in a large amount {$3500.00} what ATM gives you that amount in XXXX transaction since then I have been disputing this issue going back and forth they finally unfroze my account I deposited some money since everything was cleared through the bank and more of my money was taken now they tell me I ca n't open up more claims and that I had no limit in pulling out money my understanding most banks the limit is {$500.00} I ask for your help I 'm a XXXX helping my parents my mother is XXXX so I help with my bills and some of theirs as well as my sister expenses as she is in XXXX still I 'm trying to make a better life and paying for school it 's sad how a bank took almost a XXXX dollars no emails no contact no calls bank personnel very rude no professionism situation jumps from one person to another please I ask for help
Equifax allowed my personal information to be stolen and did not inform me until XXXX 2017 ( 2 months after the incident occurred ) to be able to react appropriately to take the necessary actions to protect myself.
I have an Open account with XXXX Collection they account was paid in FULL before I purchased my house in XXXX, I then File Bankruptcy and was discharged of my debt in XXXX XXXX. Equifax continues to report it has an Open Collection which it is not I have contacted them XXXX time to get this close with proof of payment bankrupt discharge etc. They still refuse to close the account.
Kay Jeweler 's in XXXX XXXX, NY. Employees are required to submit a certain number of store credit card applications a week/month. Management told employees who are n't meeting their quotas to " just re-run applications on people who were already rejected in the past. '' This raises two very questionable issues. 1 ) People are being threatened with losing their jobs over credit applications and being urged to re-run applications without the consumers ' permission, and 2 ) this clearly indicates they are not properly disposing of non-public information and retaining it somewhere for employees to re-use as they please.
I was told by the Department of Education to contact this collection company. I told the Department of Education and the collection company the loan did not belong me because I had a name change and the debt is more than seven years old. According to the rules of the FCRA the debt is suppose to be deleted from their systems because it is inaccurate.
First off, thank you so much for helping me. My Cell is XXXX I have a pre-trial appointment XXXX/XXXX/2015 @ XXXX XXXX XXXX XXXX XXXX XXXX. I would have gladly settled or paid this debt if it were mine..i swear on my life. The original creditor XXXX XXXX ( i currently have XXXX credit card from them in excellent standing ) & i had never done business until 24-36 months ago, when i first obtained a credit card from them. My legal name is on everything i own, owe on, etc. as XXXX XXXX XXXX. My closest friends call me XXXX, not XXXX & i never lived at the XXXX address this account was associated with. I am being threatened by this outfit & the lawyers of XXXX XXXX, XXXX XXXX XXXX XXXX. I have had to use pto days off & pay {$65.00} dollars to file, certified letters to attorneys, for a debt i do not owe. Sorry for complaining, i try to keep in mind my blessings each & every day, but how they are doing me is wrong. I will gladly pay whatever is mine, but this is not only not my debt, it was from 10 years ago. Thanks so much & please tell me what i should do next. 
-- XXXX
XXXX XXXX has requested additional information for XXXX XXXX  XXXX Checks whose book number is XXXX, XXXX, XXXX ( XXXX missing although all checks issued within 2 minutes ) which included a check payable to XXXX XXXX XXXX and XXXX XXXX XXXX so that they can locate a missing account funding checks which they say are genuine but were not funded from a known account.
They have not confirmed whether they were cashed and no endorsement shows at XXXX.
I am asking for a record of the transactions for these checks. A log must exist with an indication of the transfer of funds for the XXXX XXXX XXXX 's checks.
The social security number ends XXXX for XXXX XXXX who was the trustee of a family Irrevocable Wealth Trust and a trust for XXXX XXXX and a trust for XXXX XXXX. I attach the trust instrument designation for me XXXX Family Trust and a record from XXXX XXXX  for XXXX XXXX XXXX, no trust instrument in existence, for which I am indicated as trustee, social security number ending XXXX. XXXX XXXX may contact me XXXX with any additional requests for assistance. This is only a suggestion as to the source.
XXXX XXXX must state whether the funding was transferred from an internal trust account.
XXXX is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with XXXX so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!
chase bank closed ristricted my account numberXXXX XXXX, they said the official closing date is on XX/XX/XXXX, my ballance on the account will be mailed to me XX/XX/XXXX. i have been calling them but they bent on humiliating me
ON XXXX the XXXX XXXX I went to purchase a new car and I was advised the that XXXX XXXX XXXX XXXX Reported to Equifax that my car was a charge off and they were unable to do anything. I took a look at my report and sure it was correct On XXXX XXXX it was reported that my car was a charge-off in XX/XX/XXXX and that the last payment that they had received was on XX/XX/XXXX which is totally incorrect the last payment was made on my car on XX/XX/XXXX bring my total car balance to XXXX with the next payment due on XX/XX/XXXX. I then contacted XXXX in regards to this and it was stated to me by XXXX working in the loan center that yes my account was marked as a charge off and she is not sure why. Then I was connected to XXXX in collections and she stated to me that I was current and she had to look into why the account was marked as a charge off. This is really horrible what I am experiencing with ABNB I have had this car for 3 years with 1 late payment by 11 days back in XX/XX/XXXX for XXXX that was added to my XX/XX/XXXX payment I constantly have to contact XXXX as regards to reporting incorrect information. I have also attached my report with the information that XXXX has reported.
Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
The items XXXX XXXX and XXXX XXXX XXXX, are duplicates of the XXXX account being reported on my credit report. This double jeopardy '' The same account school loan account is reported multiple times, this is a FCRA violation. '' I am requesting that the items XXXX XXXX and XXXX XXXX XXXX be deleted ( or request another specific change ) to correct the information. 
Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) supporting my position. Please re investigate these matters and delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Highlighted section of credit report that identifies the duplicate accounts
I signed up for an American Express Platinum card due to the offer of XXXX bonus points XX/XX/2016. I met the minimum spend requirements on XX/XX/2016 using valid purchases. I then entered into an 8 week long review process, which should have concluded last week. American express has been very unhelpful throughout this process, and is now withholding the points that I have earned in a breach of contract.
I have made three separate requests for Equifax to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Equifax to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) XXXX has cleared two of the original derogatory remarks for which they can not provide verifying documentation. However three such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : XXXX XXXX XXXX
On XX/XX/XXXX, I went to a car dealership to discuss getting a new vehicle and trading in my existing vehicle. When running # s, I was told that my vehicle has no trade value as it was involved in an accident. According to an XXXX report from Experian, my vehicle was listed as having been in a " Multiple Impact Collision '' on XX/XX/XXXX. I was never in an accident in NY. I called the XXXX County Police XXXX Precinct Auto Accident Clerk 's office and the records department and both confirmed that there were no records of an accident under my name or the accident report number cited in the report. The false information has monetarily hurt me.
I am disputing the validity of the debt in whole. I did not received the XXXX violations notice from the Delaware Department Of Transportation until months later by the debt collection agency. XXXX XXXX XXXX XXXX. The violations notice were mailed to the wrong address. At XXXX XXXX XXXX. XXXX, MD XXXX. The mailing address at XXXX XXXX XXXX, on my leasing contract is XXXX XXXX XXXX. XXXX, MD XXXX. The address for, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX. I received a certify original driver license application which has a asterisk next to the address ... I have explain my situation to ( Del.DOT ) and the collection agencyXXXX XXXX XXXX ; to no avail. Which I believe are at fault for my financial dilemma/default in credit.
My credit card due date is on XX/XX/18. I made an online payment on XX/XX/18 paying off the balance on the account. On XX/XX/18, Chase charged an interest fee on a XXXX  balance account. When I asked to have the fees removed, they refused.
Paid my payment on time and it was XXXX shorts. Instead of calling me to give me a chance to pay the missed XXXX dollars they hit me with a XXXX late fee. So my payment was XXXX, I paid XXXX 10 days early and since it was XXXX short they hit me with a XXXX late fee then a XXXX finance charge. 
I called them and asked them if I could pay the extra XXXX dollars and them reverse the fee and they said NO. I asked why no one called me to explain that I still owed XXXX and the lady could n't answer.
I cancelled my XXXX XXXX on XX/XX/XXXX, at the time of disconnection they provided me the amount of my outstanding balance, which I paid via credit card over the phone. Today ( XXXX ) I received a collection notice from Credit Protection Association L.P. on behalf of XXXX XXXX. When I called XXXX XXXX they informed me that they made a mistake in the calculation of the final payment due, and adjusted it after I made the final payment. XXXX XXXX NEVER notified me I owed anything else, no mail, no email, no phone call -- they just put me into collections. I made the payment today, I would have made it sooner had I known that I owed them money. Putting me in to collections without ever sending me a bill is unethical, and now I have damage to my credit rating through no fault of my own.
I used the annual credit report site, entered all required data, XXXX and TransUnion both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.
XXXX  XXXX XXXX  Credit Card - secured and silver are reporting my credit cards ever 7 days lowering my credit score and lowering my ability to maintain my credit. 
Please see attached how TransUnion refuses to properly add back my points even though I am paying off my credit cards and have lowered my debt-to-income ratio!
Transunion has a habit of ignoring fraud information. Fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced on or around XXXX XXXX, 2015 today I spoke to Transunion Speciality Handling dept Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Transunion illegal practices.
Fay Servicing has not provided us HAMP nor HARP information. Interested to look at those options asap.
A caller from debt management solutions called and left a voicemal for me at my place of work. I called back and they said they were looking for a person -- NOT me and not even my name. They told me the birthdate of the person they were looking for and it was NOT my birthdate. The phone number they called from was XXXX. A woman named XXXX was extremely rude and aggressive and told me that I was lying. I am DEFINITELY NOT the person they are looking for. I have no debt at all. I need for them to stop calling me. Although it was only once, they harassed me at my place of work with this embarrassing phone call that WAS N'T EVEN FOR ME.
Navient is my lender for private student loans and also services my DOE and federal loans. My private student loans are behind because they wo n't work with me to make them affordable. I use their website to keep my federal and DOE loans, but they have locked my account. After several calls, they wo n't issue me a temporary password to access my loans online until my private loans are resolved. Now my federal loans are behind because I ca n't access them to make a payment. Navient has also repeatedly called my parents and told them that they will be taking legal action against them even though they are not cosigners on the loan.
I call Home Depot credit services and requested a block be placed on my account so charges could not be made. I also had a password placed on the account at their suggestion. Over {$1600.00} in charges were made on the account after the block was put on. I was told that unless I was willing to prosecute fraud charges that I would be responsible to pay. I called for investigation and explained what happened but I was not willing to file charges. I did pay off the balance in order to protect my credit and avoid further stress to myself. I am XXXX XXXX XXXX and feel like they did not live up to their commitment to me. Account -- XXXX XXXX XXXX XXXX XXXX
Loan provider Navient keeps removing address from their records. This results in not receiving the monthly bill and the servicer then charging late fees and negatively affecting my credit.
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
On XXXX XXXX, 2015 my husband and I applied for a mortgage loan with XXXX to consolidate credit cards. In XXXX 2015, we contacted all our credit card companies asking that our accounts be closed and no more charges or interest charged to account. On XXXX XXXX, 2015 XXXX XXXX sent to Citibank a check for XXXX which was an overpayment to Citibank and when I talked with them they said i was due a refund of {$590.00} amd the check would be submitted to me in XXXX to XXXX business days. Today, they sent me a statement saying that I now owe XXXX. {$10.00}. for XXXX 2015 because i was charged {$600.00} in interest for XXXX. They charged interested even though the accoutn was closed in XXXX 2015. XXXX they told me i would be refunded XXXX for overpayment and now turn around and charge me {$600.00} after acount was closed. Do I have any recourse in getting the {$590.00} refunded to me? I have been a loyal customer of Citibank for over 40 years and am very disappointed XXXXwith XXXX action. What can you do to help?
IMy Mortgae was sold to Freedom Mortgage. I obtained the address to make auto payments the XXXX of each Month to make my regular payments and the address to make additional principle ONLY payments online from Freedom Mortgage. This occurred in XXXX 2016. Freedom Mortgage gave me the address to make principle only payments online in XXXX 2016. I set up the bill pay address and even called back tomFreedom Mortgae speaking to a second representative as a double chech to make absolutely certain t When I chose to make an an additional principle pay, net the online address was correct. The second XXXX XXXX rep confirmed the address was correct. I made additional principle payments and at the beginning they were correctly applied to the principle ; however, later the same principle only online payments were not applied to the principle. I called Freedom Mortage to correct this. I asked for a Manager and got XXXX in the escalations XXXX. Even though I ask for a manager, she was not a manager. She was beyond helpful and certainly was overbearing and unacceptable and an extremely poor employee. I felt my normal peaceful calm going away from this jerk. She was rude, interrupted me constantly, incompetent and hung up on me. I called back and again ask for a manager since this is highly important to me. I reached another employee not a manager, and told them the several online additional principle only payments were not applied to the principle. I was told by this individual that they never hear of the address for the online principle only payments I had been making. I told her I got the address from Freedom Mortgae and confirmed it twice as double check to make sure my online principle only additional payments would correct. Some of the online additional principle payments were correctly applied to the principle and others were not. I did not get a manager to speak with nor a return call from a manager to correct this disaster. I was on the phone for an unacceptable amount of time ruining my Saturday and this is still not corrected.
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan These guys are some Crooks. 

The first time I took my wife to their XXXX office, they said that she was going to need a XXXX XXXX. And they said that I would need the same thing too in spite of the fact that I have not had a XXXX in 27 years. And in spite of the fact that the last XXXX that I went to told me that I would need no such thing. 

The next time I went back for an emergency appointment for my wife. They told her that she would need her XXXX XXXX XXXX, and they said that it will cost {$1400.00}. That would be {$570.00} for the XXXX XXXX and another {$800.00} and some change for a XXXX XXXX. Awfully strange. I looked it up while I was deciding whether or not to have them run my credit for a XXXX loan, and it said that this procedure was definitely not recommended in the overwhelming majority of cases. Also, there was no other mention of suggesting that she needed another XXXX XXXX. 

When I left their office, I went to another office and they said that the XXXX would cost between {$120.00} and {$350.00}. For the record, that is about {$450.00} cheaper to {$200.00} cheaper then what it was at their office. 

It gets worse. I contacted the Care Credit company that they used to try to finance the overpriced procedure, and they tried to open up a {$5000.00} line of credit in my name and also my wife 's name. They neglected to mention that.
On XXXX/XXXX/2015 I paid off account # XXXX in full in the amount of {$29000.00} to the collection agency " The Law Office Of XXXX XXXX XXXX '' who is the debt collector for the XXXX Higher Education Assistance Authority ( proof attached ) On XXXX/XXXX/2015 I initiated disputes with XXXX, XXXX, and XXXX to update their records and show that the loan had been closed out. On XXXX/XXXX/2015 All XXXX bureaus incorrectly returned a status of " reporting correctly '' after the investigation despite the fact that the loan had been paid off in full. I then used the CFPB to try to get them to correct the error, by launching a " executive investigation '' rather than the typical investigation. XXXX corrected the information upon receiving the documentation provided in this report. However both XXXX and XXXX completed the investigation stating that the account was being reported correctly, despite having official documentation from the creditor. The reports from both XXXX and XXXX state specifically that the " Creditor Claims The Information Is Correct '' which indicates that it is the original creditor that is providing the incorrect information to the bureaus. I am attempting to use the CFPB to contact XXXX XXXX to have HESAA correct the information being reported to the bureaus within 30 days as required under the FCRA. I however am officially stating before XXXX Hesaa launches their investigation into the matter that I do not authorize in any shape or form, a " hard pull '' of my credit records from XXXX, XXXX, or XXXX. Being that the loan has been paid off in full at this point and has been closed, the Promissory note has been fulfilled and is no longer active which was what XXXX stated gave Hesaa the legal authority to " hard pull '' my credit record last time. In addition since the account has been paid off, it is no longer an " active account of the consumer ''. If XXXX and the XXXX HESAA choose to initiate a hard pull on my credit record, let it be known that it is fully against my consent, and that I consider it to be a direct violation of the rights provided to me under the Fair Credit Reporting Act. I do however authorize XXXX and HESAA to conduct a " soft pull '' with the credit agencies to verify the information that is being reported to them. 
In addition to the credit reporting, the account also still appears to be legally listed as " in default '' with the State Of New Jersey despite the fact that the loan and all applicable fees have been paid in full at this point in time. I am requesting that XXXX Hesaa submit a request to the court to " vacate default judgement '' so that my record is XXXX again clear of any legal holds placed by the state in the past. If the state chooses not to comply, I will be pressing suit for damages caused by reporting false information to the credit reporting bureaus which equals a potential total of {$1000.00} for violating the FCRA.
CRA violation. I have no knowledge of the fraudulent accounts on my Experian credit report. FTC Report Number : XXXX