WillisBack/dataset-financial-user-claim huggingface dataset:
I was a real estate agent with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX during the period XX/XX/XXXX-XX/XX/XXXX. 
When I disassociated myself from the brokerage, my online account had fees assessed to XX/XX/XXXX. However the final bill they send changed the dates to the last date of XXXX/XXXX/2016. I asked that my fees get prorated to the day that I left because I was being asked to pay for a Legal Assistance Program of {$420.00} for a year plus some additional fees. The Legal Assistance Program is a program that protects agents legally if any lawsuits would arise during closing of real estate contracts. 
I asked XXXX if I paid for the program, if I would have access to it. I was told NO because I was no longer affiliated with the company. I then said that I do n't think that I should pay for a program that I will not use or have access to. I was then advised they would send it to collections and it would affect my credit. I sent XXXX a pro-rated check of {$130.00} and XXXX rejected the check and sent it back to me and sent the demand for payment to collections. I have received several collection calls from XXXX. 
I find this more than predatory. It is unconscionable to demand payment for a service I have never used or even have access to if I pay for it. I hope you can investigate and advise accordingly.
I have ID Theft on my XXXX credit card # XXXX, was fraudulantly charged XXXX different transactions down in XXXX California, XXXX miles away while I was at work, on the week of XXXX. I filed XXXX fraudulant charge claims through Wells Fargo Bank on XXXX via phone. On XX/XX/XXXX Wells Fargo Bank rejected my claims even though I submitted them Police Report, my proof of at work from my employer. I 've to appeal my case, and now still pending. My complaint is why I was responsible for the XXXX fraudulant charges, and where 's the zero liability coverage.
ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PULLED MY CREDIT ON XX/XX/XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL XXXX AND CELL XXXX 12 TIMES AFTER CEASE AND DESIST NOTICES.
This is the second time I file a complaint against Lexis Nexis Risk & Information Analytics Group Inc. 
I received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information Analytics Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016. 
Upon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social security number, date of birth, zip code, address number, and phone number ready. I provided my social security number to the automated system and the automated system stated that the social security number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message. 
The contact information provided for LexisNexis Risk & Information Analytics Group Inc. is the following : LexisNexis Risk & Information Analytics Group Inc. 
XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have attached my driver 's license with both my maiden name and married name. 
I have included my social security cards, XXXX with my maiden name and the other with my married name. 
I also included a copy of my most recent utility bill with my maiden name and current address. 
I included a copy of my banking statement with my current address. 
Finally, I attached a copy of the adverse action notice received.
I just logged in to my Experian account and it is saying there are 5 new collection accounts and 3 new open accounts, and I have no unpaid accounts and haven't opened any new accounts and considering the ongoing battle with identity theft, I check my credit reports regularly. However, Experian is not showing what the new collections are for me to dispute or the new accounts AND their website will not allow me to get a current copy of my credit report so I can see the accounts to dispute them and I have their XXXX premium {$19.00} per month membership. How am I supposed to dispute accounts if I can't even see them on my credit report!
I recently disputed XXXX credit card collections with XXXX to have them removed from my credit report because they came back verified. I requested documentation to prove these debts belong to me but I have not received any proof.
I took out a loan for {$800.00}. I was told there was a finance charge of {$280.00}. Every time a deduction was made from my checking account the amount was always {$280.00}. I logged into my online account to check on my loan and saw that there was no payment history recorded, and every time a payment was made a new loan was issued taking the initial {$280.00} fee. I paid {$1100.00} over several weeks and never paid anything down on the original loan. I contacted Castle Payday via email asking if there was something wrong with the account and why the original loan was never being paid on and why every time a payment was made it was being treated like a new loan was taken out and never had a response. The website is unclear about how much will be paid in interest and fees on a loan. Also the online site does not give a full account history after payments are made. Castle Payday hides the fact that you will never make headway on the loan and by not giving someone their payment history they can not see that they are not making progress on paying down the loan. Now I have paid in more money than the loan was issued for and never even got any of the principle paid. The original loan was taken out XX/XX/2015. First payment was XX/XX/XXXX. I have an image I will attach with this complaint that shows that Castle Payday was issuing a new loan in my name after every payment. On XX/XX/XXXX, I logged in and took a screen shot of my account. It says I took out a new loan which I did not do and never shows any payments toward my loan. They are now known as XXXX XXXX.
I have a released state tax lien from the state of Georgia on my credit reports at Transunion,  XXXX , and  XXXX . The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on  XX/XX/XXXX  ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  XXXX  redit Reporting Bureaus, who stated that they need documentation from the GA Dept of Revenue requesting that the released lien be removed from my report - they r eport that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the  GA Dept of Revenue who  advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.
ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO EXPERAIN IN REGARDS TO A LETTER THAT THEY HAVE SENT TO ME VIA THE US MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO EXPERAIN ON MY BEHALF, I THANK YOU IN ADVANCE. 

I am very distressed that Experian has re- inserted previously deleted information back on my credit profile due to its damaging effects on my good credit standing. As you Experian are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I am now DEMANDING that the inaccurate accounts be completely removed from my personal credit report! As this is a clear case of unverified debt here and I am URGING Experian to adhere to the law. THE FOLLOWING INACCURATE ACCOUNTS INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY PERSONAL CREDIT REPORT : XXXX- ACCOUNTS NUMBERS # XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
XXXX .... 
THIS INACCURATE ACCOUNTS WERE ILLEGALLY RE-INSERTED BACK ON MY EXPERAIN CREDIT REPORT, WHICH IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORT ACT! THESE ACCOUNTS SHOULD BE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX THIS ALLEGED ACCOUNTS INFORMATION IS INACCURATE AND SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDED ME WITH A COPY OF THE LEGAL DOCUMENTATION IN WHICH THIS ALLEGED COMPANY HAS PROVIDED TO THEM ON MY BEHALF, AS I HAVE TRIED TO CONTACT THIS COMPANY SEVERAL TIMES ON MY OWN AND HAVE BEEN UNSUCCESSFUL IN GETTING THEM TO RESPOND BACK TO ME, I HAVE PREVIOUSLY ENCLOSED A COPY OF THE DOCUMENTS IN WHICH I HAVE REQUESTED THAT THEY LEGALLY VALIDATE THIS ALLEGED ACCOUNT! THIS ALLEGED COMPANY HAS LEGALLY FAILED TO VALIDATE THIS ACCOUNTS INFORMATION WITH MY IN THE TIME FRAME ALLOWED TO THEM BY LAW! EXPERIAN IS NOW KNOWLY AND DIRECTLY IN VIOLATION OF THE FAIR CREDIT REPORTING ACTAND THE FAIR DEBT COLLECTION PRACTICES ACT, BY CONTINUING TO REPORT THESE ALLEGED ACCOUNTS AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT THEY ARE. AS XXXX XXXX XXXX HAS ALSO BEEN MADE FULLY AWARE OF THERE DIRECT VIOLATION OF THE LAWS, BECAUSE I HAVE ALSO FILED A COMPLAINT AGAINST THEM WITH THE ( CFPB ) CONSUMER FINANCIAL PROTECTION BUREAU AND THEY HAVE ALSO LEGALLY FAILED TO RESPOND TO MY COMPLAINT! SO NOW I WILL ASK YOU EXPERAIN HOW IS XXXX XXXX XXXX RESPONDING TO YOU WHEN THEY HAVE FAILED TO RESPOND TO ME AND THE GOVERMENT ENTITY THE REGULATES THEM? 
THIS IS ONCE AGAIN A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN ONCE AGAIN TO ADHEAR TO THE LAW AND REMOVE THIS INACCURATE ACCOUNTS INFORMATION!!!!!!!
i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my XXXX and transunion as late when i never been late.
We have contacted the mortgage company several times about the a {$7000.00} K fee that can not seem to be explained to us. We 1st had our mortgage with XXXX. Citi is saying that we have a loan with them that neither of us can point to that we had. Later the loan was sold to XXXX XXXX. It has now been sold to a XXXX XXXX. It still has this XXXX fee that no one seems to have an explanation of why it is there. There are no specific dates that I have that can be supported. We have been trying to address this issue for over 10 years now with no results.
I contacted Diversified Consultant In a few weeks ago about account that showed up on my credit profile. I explained to them that the account was not mine based off the last XXXX digits of the social security number. I disputed this account with the credit reporting agencies and I am getting no where with them. I write this company a letter and contacted them via phone on XX/XX/2016 to try to get assistance and they said I need to contact the creditor if I had a dispute. They are the ones reporting and they refuse to correct the issue. I am at wits end and I do n't know what to do besides file this report to get assistance. They are not following rules and guidelines of Federal Crediting Reporting Agency.
I am submitting additional supportive information in regards to a complaint I had put in with the XXXX major credit reporting agency 's. My XXXX account is currently reporting as a 30 day late payment. This information is incorrect as I have never been late in paying this credit card. The credit reporting agency 's told me they did an investigation and it was reporting correctly. This investigation was too short as I received the results way to quick. I contacted XXXX shops and they provided me with the letter I am submitting as substantial proof that this account was not paid late. This account should be showing as accounts in good standing and with the deragatory remark removed. I requested this back in XX/XX/2016. Please note the date of this letter which is dated XX/XX/2016
My bank charged me {$36.00} every time I used my Debit/credit card for a transaction when I did n't know my account was in overdraft. They never notified me that I was in an overdraft status. My overdraft fees are approx {$320.00}. I called and had them turn off my " Overdraft Protection '' on the debit portion, but they sated that I cant turn it off on the credit card portion and I would continue to be allowed to charge and would just incur a fee of {$36.00} each time I did so if my account was in overdraft.
On XX/XX/2018 I was notified that an inquiry from XXXX dated XX/XX/2018 showed upon my credit file. I have notified Experian that this inquiry was not authorized by me and also have spoken with XXXX and there was no application put in at there company under my social. Experian is adding inquiries onto my credit file without authorization from me or the company XXXX. I am a victim of identity theft and have a 7 year identity theft notice in place. However Experian is still reporting this inquiry onto my credit file after I have notified them that this was not of my doing. I have never applied for a XXXX and never authorized this inquiry!!!
OnXX/XX/XXXXapproximately XXXX I received a phone call from XXXX XXXX from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for maricopa county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.
Suntrust Bank is reporting a balance of {$580.00} on a closed account and FP ( failed to pay ) from XX/XX/XXXX until today, XX/XX/XXXX. The last payment on my settlement was paid and received on XX/XX/XXXX.I have a letter stating " your account is settled in full and your obligation to us and the above named creditor is now satisfied '' referencing this date. I have disputed with the credit bureaus and Suntrust, after every investigation Suntrust refuses to update per the correct information contained in this dispute.
My credit dropped down XXXX-XXXX point in all XXXX Beauro report all of sudden. Nothing is changed and credit card balances are lower then ever. My credit score suppose to go up not down. I want to know why? Or something is wrong with the system.
My income was cut by almost 50 % in the past two years. It caused me to fall behind on my mortgage. I applied for assistance with Shellpoint Mortgage and they are now refusing, evading, to review me for assistance. They state I was offered a trial payment in the past and that is the reason. However, I hired an attorney to help me with the process and my attorney states Shellpoint is violating RESPA Regulation X by " evading '' review for assistance. I wish to apply for assistance and Shellpoint is blocking me from doing that. I could not accept the trial they were offering me at the time, but I can now make payments again. There is no reason they should be refusing to help me save my home.
back in XX/XX/XXXX I request to close my secured card, and they kept all of the security deposit XXXX to bring the card to Zero balance and they reported it as closed by consumer request. 3 months later they start reporting every month that i was late? they put XXXX late payments on me and changed it to charge off? saying i owed a pental fee? they never told me about and ruined my credit Capital one. then they set it that i could not call regular customer service i had to speak with the ceo administrator and she talked to me like i was less than a person saying i owed an additional XXXX for closing the account. they never told me that. so now i have XXXX missed payments so they say and it says charge off. please correct it because i had not missed any payments in years XXXX payment in XX/XX/XXXX please correct and give them a penalty for being dishonest.
I am in the process of lowering my debt ratio. This year I have paid off XXXX dollars in debt. {$8500.00} was to Synchrony bank on a vehicle loan. 
Now Synchrony bank who also is the lender on my XXXX XXXX XXXX has lowered my credit limit to the amount I currently owe. 
I have never been late with a payment. I always pay more than the minimum due. My credit is taking a dive because these ratios are off but when they lower my limit it gives a false number. This should not be allowed. If I had been late I would understand. But this seems manipulative to me. My credit score has gone down by over 70 points in one year and I have never been late on a payment and have paid 2 loans off. This is because of acts like this.
FEDERAL STUDENT LOANS are on only one credit report ( XXXX ) but has been removed from XXXX and XXXX. XXXX was breached as well as XXXX XXXX and my information was compromised. I filed an Identity Theft Report and XXXX has refused to remove the disputed accounts which is not uniform with the other 2 credit bureaus.
On XX/XX/XXXX my Equifax credit report was showing 1 collection account in debt which I disputed and 1 paid negative account. On XX/XX/XXXX my Equifax credit report shows 11 Collection accounts and 2 Negative accounts of Thousands of Dollars in debt. I called several of those collections agencies giving them my social security and my personal information and they dont have me in their records. Equifax is reporting inaccurate all these accounts cause do n't belong tome and they reported all in one day. I need an investigation to be follow towards my Equifax credit report. Sincerely, XXXX XXXX
Re : Unauthorized Credit Inquiry While reviewing a recent copy of my [ XXXX ] credit report I noticed a credit inquiry by your company that I do not recall authorizing.
I understand that you are allowed to put inquiries on my file, but only if I have given my authorization. Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue. I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed. If you find that I am mistaken, then please send me proof of my authorization. <P/>Thanks in advance, XXXX XXXX XXXX
Pioneer Credit Recovery sent a garnishment order to my employer before send me a notification or an income driven repayment plan according to the law. this put my family in a extreme economic hardship since we can not afford to pay our rent or put food on the table. I am living at my present address for over 11 years. please help.
The actions against me was taken by XXXX XXXX XXXX XXXX, who has now sold the debt to Meridian Financial Services for XXXX, and XXXX. This is a time share in XXXX, XXXX, that I have NEVER owned, NEVER used and has probably been sold to several people. The event was in summer of XX/XX/XXXX-XX/XX/XXXX ( approx. ) I cancelled this account approx. within a few months due to unforeseen circumstances of me loosing my job and loosing my home. They ( XXXX XXXX XXXX XXXX ), is famously known in the time share world as a scam and a fraud. They will promise you the world and deliver nothing. As much as you try to speak to somebody to cancel, they ignore you and threaten to send you to collections if payment isn't done in full. I called and even went to an office in XXXX, Nevada, and they said they would cancel it ( this was in about XX/XX/XXXX ) and they ( XXXX XXXX XXXX XXXX ) has now has placed 2 collection accounts on my credit report, ( XX/XX/XXXX ). These prohibit me from being able to rent a home or an apartment, requiring me to have a cosigner. Both of the accounts placed on my credit report are the same people, same company for different amounts. Why different amounts? I am unsure.This also had me in a tight spot on purchasing a vehicle. I need to know how I can correct this, and have it removed from my credit report.
I am a victim of identity theft. This 's my 3rd complaint. I have 2 police reports on file with the XXXX Police Department and XXXX XXXX Police Department and have sent 2 police reports with the case numbers listed to XXXX XXXX, Equifax and XXXX in regards to the following fraudulent and unauthorized collection/charge off account and hard inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX-Branch, XX/XX/XXXX. The collection accounts and hard inquiries are all fraudulent and do n't belong to me. I have never had an account with XXXX XXXX XXXX.
In summer of 2011, I canceled an XXXX cell phone account because I had zero coverage in the community I was living in. On several occasions, I contacted XXXX using friends ' phones to troubleshoot the issues. Each time, no fix solution could be found. XXXX placed many test calls to my number while I was home and all calls went directly to voicemail as my phone never rang. I paid the final bill and requested the account closed due to no home coverage which was fully verified. Years later, I 'm finding out I 'm in collections. Every month of every year, Afni , Inc keeps renewing the collection account on my credit reports. I contacted them before for the validity of the debt but my attempts were always unsuccessful for they would never respond or comply.
XXXX XXXX lack of cooperation to solve issue when requesting a decrease of capitalized interest added to my account. 
Misguiding customers by no providing all information. 
Per information provided by XXXX XXXX XXXX accrued interest for bankruptcy and after bankruptcy because a payment plan changed to be able to afford payments. 
Lack of respect for customer. Never the person responding e-mails identified themselves. 
Overall I have been discriminated by representatives of this company. Dealing with them since XX/XX/2018.