WillisBack/dataset-financial-user-claim huggingface dataset:
Nine months ago on XX/XX/2018 I opened an XXXX XXXX Credit Card account and it is not showing up and my Equifax Credit Score report. I asked XXXX XXXX XXXX to fix this problem and they didnt.
On XX/XX/XXXX I wrote to XXXX informing them of incorrect information stated in my credit report as I received a copy of my credit report from them. They have failed to provide the documents I have requested to verify any contract between me and these companies listed on my report. I have expressed my right to demand the documents recorded and retained in their files under the Fair Credit Reporting Act 15 U.S.C 1618g as the accuracy of these disputed accounts is questionable. 30 days have passed and no valid verification of my signature and contract has been provided.

The alleged accounts on my credit report are : 1 ) XXXX XXXX which they also have not provided the account number and no proper documentation has been sent to me since I have paid this account and am no longer liable for the debt. I was since removed from all 3 credit bureaus only to reappear on Equifax reporting. 
2 ) XXXX XXXX XXXX which they did not provide an account number and proper verification I have requested a deletion of the above accounts from my credit report as it is negatively affecting my ability to get credit and hurting my reputation. Under 15 U.S. Code 1681i, all unverified accounts must be promptly deleted and this has not been done, better yet in the time allotted of 30 days.
3rd party debt collector reporting debt with no contract agreement with original debtor. XXXX after removing information continues to go back and reinstate after 30 days
On or about XX/XX/XXXX, I wrote a check # XXXX for {$3200.00} to Pa Dept of Revenue and it came back to the bank right away unendorsed and unsigned. 
I looked up my account with Pa Dept of Revenue and they never got the funds so I had to regenerate the forms and a replacement check which did come back properly endorsed. 
I called Citizens Bank and asked them to restore the money to my account for the unendorsed check. Instead they created a claim and asked for 6 to 8 weeks to process it. After 8 weeks the office of the chairman said they needed more time, Finally on XX/XX/XXXX they told me their claim was rejected by XXXX XXXX and therefore they were rejecting my claim. I then started a complaint procedure and they called me back and said I needed to contact XXXX XXXX as they were not going to restore my money. I am writing now because I feel I have been treated most unfairly.
XXXX XXXX XXXX-over charged on account {$300.00} to {$400.00}! 

AARP CHASE BANK-over charged {$1900.00} for dentures I do not have in my mouth, nor in my possession, and Ihave not received cost-benefit/effectiveness!
i keep getting letters saying i have folcosure I went to apply for credit with XXXX. I was denied because my Equifax credit report is showing that I have a foreclosure and garnishment and that is not mine. I have never had a foreclosure on my home or garnishment of my wages either.
My PayPal  account (  XXXX  XXXX  XXXX  ) was permanently limited on   XXXX   XXXX   XXXX    . During that time, I had opened a significantly not as described ( missing parts ) claim against  XXXX   XXXX . This claim was resolved in my favor today (  X/XX/2017    ). However, over {$400.00} was refunded back to my  PayPal balance,  and I am unable to withdraw this money due to my limitation.   I have submitted a previous complaint addressing the limitation, so I will not dive into details here. In summary, I have ha  d this PayPal account for over 3 years with zero negative records, and have always abided by PayPal 's User agreement.
I am requesting that my PayPal balance be made available for immediate bank withdrawal. Since this is my money which I paid for a significantly not as described product, it makes no sense that it is being held from me. The case has been closed in my favor, and as such, I should have access to my funds.
Again, a refund which was issued to me is being held for no reason, please make my PayPal balance available for withdrawal.
Thank you for your help and consideration.
: On XXXX XXXX, 2016, US Bank proceeded to take a {$2000.00} ( the credit cards balance ) withdrawal from my husband 's bank account for a payment towards the credit card I had with them. They also took a {$320.00} as well enough as a {$25.00} withdrawal from my personal bank account. Only the {$25.00} payment was authorized. In attempt to figure out what was going on, I logged into my US bank credit card account online. First off, the unauthorized {$2000.00} payment showed up as pending and to come out 3 days Later ( on XXXX XXXX ). I called them several times to get the non authorized payments returned only to be told that they can not see the payments on there end, so they can not help and to call back on the following Monday. They also said I could only cancel payments 2 days prior to the date they were scehduled. Yet, they could n't cancel the {$2000.00} payment because " they do n't see it on their end. '' There were several calls without anyone able to help me, one lady even laughed at us. On the following Tuesday, my husband 's bank was able to decline the payment from going through. So I called US bank one more time to try to get the {$320.00} payment bank and to make sure this did n't happen again. The lady I spoke told me they would send me a check for the amount over I paid on the account, ( because on her end the {$2000.00} was paid still ) I tried to explain to her what happened and that they did n't owe me any money, I just needed the the {$320.00} to not be taken from my bank. She did n't understand, so I gave up. I went on to make sure that no more payments would go through. She assured me all auto payments are cancelled and would not happen again. Well today, they sent the {$2000.00} through my husbands bank account AGAIN. Both of our bank accounts have been tied up do to their error. We have n't had any way to pay for things all week. And now longer because they did it again. I ca n't help but wonder how many more times this is going to happen.
We placed our home on the market in XX/XX/XXXX. In XXXX, a couple who was pre qualified by Chase Mortgage, signed a contract to purchase our home with a closing date of XXXX/XXXX/XXXX. Because the buyers were pre qualified, we began searching for a home and also signed a conitingency contract. On XXXX/XXXX/XXXX I contacted our real estate agent to follow up with the buyers agent on us closing on XXXX/XXXX/XXXX. We were notified that the buyers had a small hiccup on a stypend issue which would be cleared up by XXXX/XXXX/XXXX. All parties agreed to sign an amended contract for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I again inquired to make sure we would be closing on the date the contract ended. To my knowledge no other issues were discovered with the buyers financing, so everything should have been ready for the contracted closing date. On XXXX/XXXX/XXXX, we were Informed that a supervisor from Chase was assisting in the loan and was working to make the XXXX/XXXX/XXXX closing date. Based on the facts there were no other issues with the buyers financing, but a case of someone at Chase not doing their job. On XXXX/XXXX/XXXX we were informed the buyers signed their preliminary closing documents and completed a waiver so that they would be able to close on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX XXXX,! we were notified by the buyers agent that the waiver was denied and we would again have to sign an amendment to close on XXXX/XXXX/XXXX, so the buyers would be in compliance with the TRID laws. The bottom line : Whoever was in charge of this loan is either incompetent or lazy. The only recourse we have as a seller is to punish the buyers, who did nothing wrong, and terminate the contract. There is no punishment for lending institutions for not doing their job. I used a different lender in my home buying process and we were ready to close on XXXX/XXXX/XXXX. In the meantime, I have exhausted 3 weeks of earned time off for nothing at a cost of about {$5000.00} dollars, and XXXX dollars on a rental truck, because of the late notification. Not to mention the inconvenience of living out of boxes and suitcases expecting to close on a contracted date only to be told on 2 separate occasions we were not closing. This is unacceptable and I would like someone to tell me why Chase is not liable for incurred expenses by both parties.
CIT BANK IS REPORTING NUMEROUS LATES ON THE MORTGAGE THAT THEY DID NOT SERVICE IN XXXX. INDIMAC THE ORIGINAL SERVICER OF THIS MORTGAGE NOTE HAD APPROVED THE MODIFICATION AND HAD DELETED ALL LATES FROM OUR REPORT AS THEY PROMISED BUT CIT IS REPORTING US BEING LATE FROM XXXX XXXX XXXX. THEY SENT A LETTER STATING THEY DID NOT RECEIVE A PAYMENT FOR THOSE MONTHS .... WHY WOULD WE PAY CIT WHEN OUR MORTGAGE HOLDER AND SERVICER WAS INDIMAC WHO DID RECEIVE PAYMENTS ( ATTACHED PROOF ) CIT DID NOT BUY THIS LOAN UNTIL THE END OF XXXX SO THEY SHOULD NOT BE REPORTING ANY PAYMENT HISTORY FOR THE LOAN THEY DID NOT HAVE IN FIRST PLACE.
There are some closed collection accounts on my credit report which do not belong to me in my credit report.
On XXXX XXXX, 2015, XXXX sent me an offer to settle my {$280.00} debt for only {$140.00} if I paid the {$140.00} within 45 days of the offer 's date. 

On XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 28 days from the date of the offer ) and on XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 42 days from the date of the offer ). This means that on XXXX XXXX, 2015, I paid XXXX in full. 

On XXXX XXXX, 2015, I get a letter from Northland Group stating that XXXX had turned over my debt of {$280.00} to them and that I need to contact them to arrange payment. 

This debt was paid in full on XXXX XXXX, 2015. This is an attempt to scam me into making a double payment.
I had an outstanding balance with my college. I paid them the balance that I owed. I checked my credit report & saw that the college sold the debt to a collection agency. I disputed with the collection agency to let them know that I did not owe them & that I paid the debt to the original creditor. After getting the dispute results back, it was updated on the collection account as " Paid collection. '' This is inaccurate as I paid the debt to the original creditor. I 've disputed this account many times & I keep getting the same results. After disputing again, Coast Professional responded and CONFIRMED that I paid the original creditor and not them. I will attach that document to this complaint. I have never done business with Coast Professional. I have never heard of them until they were on my credit report. I have been disputing this inaccurate collection account reporting on my credit for almost 2 years. Remove it now.
Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX-XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me at risk of identity theft and fraud due to negligence in handling sensitive consumer information.
I have submitted several disputes for inaccuracies on my report. As of today, Neither Equifax nor the collection agency have provided me with any documentation as requested to validate the debt. I filed a previous complaint about the collection agency who admits to not have responded timely after receiving my dispute. They claimed to have flagged it as disputed but yet I have credit reports that are attached and show otherwise.
I have a satisfied tax lien from XX/XX/XXXX that continues to appear on my credit reports despite being satisfied and cancelled as of XXXX XXXX XXXX. I believe the lien in question resulted from alleged failure to pay sales tax on the purchase of a vehicle from a private owner that continued to be registered in my name without incident up until XXXX. It seems to me then that the lien should not have been there in the first place as one ca n't register and continue to register a car without having paid sales tax however as the incident took place so long ago, I no longer have any documentation to dispute it. It is my simple wish that the lien be removed from my credit report as the debt has been satisfied and misrepresents my credit worthiness to lenders- to my detriment. I can assure everyone the State of Georgia will not take my consumer report into consideration before levying a tax on me. What 's more, the amount owed in the lien was taken out of my tax returns yet again this tax season despite being satisfied, so if the lien could be construed in any way to be a reflection of my credit worthiness, it should be my ability to extend it to the State of Georgia as five months after reporting this error I have yet to see that money returned. If the consumer reporting agencies truly cared about accuracy, then they 'd mention the fact that the fine state of Georgia has brought forth an unverifiable claim of an outstanding debt six years after it was allegedly incurred and followed the act by forgetting it was satisfied one year after I paid, but I digress. I maintain simply that a 13 year old satisfied debt fails to paint an accurate depiction of my credit worthiness to lenders, and should be removed from my credit report.
The undermentioned inquiries are unauthorized and I have asked Experian to remove these inquiries. Experian have failed to do so and I demand immediate action on this issue. This might be due to XXXX data breach or as a result of identity theft or due to system glitch of the institutions. 

XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX XXXX XXXX ( UNAUTHORIZED ) XX/XX/XXXX XXXX ( UNAUTHORIZED )
The company calls XXXX to 15 times a day, to both my husband and myself, and even if you pick up, they do n't say anything, they just hang up. As soon as you block XXXX number, they use another. It starts at the second day were late on a payment, and continues a couple days after we 've paid. If they do say anything when we answer, they threaten legal action of we do n't pay immediately.
I was called on XX/XX/XXXX by a debt collector, they are calling from a Tampa, Florida number. They told me the conversation would be recorded and I did not consent to the call being recorded as Florida is a double consent state. They then would not tell me who they were and what they were calling about until I had to call back to see who they were. They stated they were trying to collect a debt from XX/XX/XXXX from M and T bank. I had explained that I am no longer liable for this debt due to being over 10 years and they continued to argue with me saying I need to get my affairs in order and pay the debt. I receive constant phone calls from them even after telling them on a recorded line to stop calling. I do not know how they got a hold of my personal cell phone number as it is not a public listed number.
THE ACCOUNT IS NOT SHOWING ALL PERTINENT INFORMATION ON " CLOSED DATE '' AND " LIMIT '' .THE ACCOUNT IS SHOWING INACCURATE " LATE PAY '' DATES.
My wife and I have a mortgage with PHH Mortgage in XXXX, XXXX. Due to a change in circumstances, we got behind on the mortgage and were getting letters in XX/XX/XXXX and XX/XX/XXXX from PHH 's lawyers advising that they were going to foreclose, so we walked away in XXXX XXXX and advised PHH of this expecting the foreclosure to be imminent. In XX/XX/XXXX as no foreclosure had yet taken place, we decided to try to arrange a short sale. I contacted PHH several times to obtain details of the company who were responsible for maintenance of the property on behalf of PHH. I never received any callbacks from the account manager despite numerous calls and emails. I even sent generic emails via the contact form on their website and received replies saying the account manager would contact me, but it is now XX/XX/XXXX and still no contact. As my wife is XXXX and I am relocating to XXXX a short sale is no longer an option. Meanwhile the property is deteriorating, and we are still responsible for paying certain bills until a new owner is found.
in XX/XX/XXXX i was garnisheed wages for a XXXX dollar credit card, as of XX/XX/XXXX XXXX/and XXXX out of XXXX have taken XXXX dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.
Bluebird through American expresss advertises get youre deposit up to two days early in which I always have in prior. Well yesterday was the day XX/XX/2018 it should have arrived and it hadnt. Already received email from employer indicating it was sent to bank. They ( bluebird ) didnt see it posted. I waited till today XX/XX/2018 and still not however when I tried to log in my account it wouldnt let me due to system issues on their end ) I call and they tell me they see it but theyre updating system give it 2-4 hours. Time passed and I call back and tell me 2-4 hours again. I used my actual bank account yesterday after hours expecting to be able to pull out the money from bluebird to cover it before overdraft fees occurred now I have less than one hour before the bank closes which locks in me getting fees because there now holding my check 2 days passed what it should have been. Im highly upset and expect my money and my fees to be credited to me or my bank. This is so not acceptable. They advised me upon one call  they have gave fees back before and I understand I chose to use my bank card that caused the fees but in my defense they were to remain consistent with providing my deposits as they have in the past. Its not my fault that they decided to cause such delays going on past 2 days so therefore I dont consider this my fault at any reason.
Hello, Equifax was breached and about 143 million SSNs were stolen. I believe I am one of them.
I am filing this complaint in the hopes that they will be punished for their extreme lack of security awareness and sheer slothfulness is regards to this situation. 

Thank you.
Awaiting final response on XXXX disputed fraudulent claims from previous contact with consumer financial protection bureau. See attached.
On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised Select Portfolio Servicing and XXXX XXXX XXXX ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. Both SPS and XXXX sent letters advising the sale was rescheduled. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.
None of these charges are mine. The last legitimate charge was on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$810.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$190.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$110.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$120.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$54.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$29.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$32.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$12.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$14.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$19.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$23.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$7.00} XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$730.00} XXXX/XXXX/XXXX Auth : XXXX {$59.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00}
At the beginning I thought this was fraud and I was suspecting that people were used my credit card for purchasing airline tickets, and I have reported, I learned that I was charged more XXXX time by XXXX XXXX when I purchased an airline tickets, secondly, I also learned that both credit cards that I had were also charged for the same airlines tickets, thirdly, some of purchase were not even authorized by me, and XXXX XXXX charged me many times, and some of the charges they even make sense because it would show that I purchase XXXX tickets for traveling to different places using someone 's name. I was not aware of this, until XXXX when I received a letter from XXXX XXXX insurance company stating that I had an insurance refund that I needed to claim for XXXX and XXXX. I have enclosed a letter and other papers showing all charges that where done by XXXX XXXX. I could n't attach all documents and I will be able to send my mail. 
Thank you for helping.
In XX/XX/XXXX, I opened a XXXXXXXX XXXX Store Card. I'm unsure of the issuing bank, I believe it may have been Citi. 

I had never been late on a payment and used this card periodically. Well, my account was recently closed due to inactivity. I called the customer service line and spoke with a supervisor on XX/XX/XXXX. The Customer Service Supervisor said that it was closed because I hadn't used the card since XXXX. 

I understand if the issuing bank has certain terms for closing the card, however I was never notified prior to them closing my account. Apparently, this was in their terms and conditions that they may close an account due to inactivity without prior notice. Well, at least according to the person I spoke to. 

As a consumer, I feel like this is an unfair practice because my credit score has decreased a bit as a result. You see, this was one of my oldest accounts ( over 7 1/2 years ) and by closing this account it affected my " average age of open accounts. '' Yes, this isn't a high impact factor, but nevertheless it is still a factor in which I feel is not fair to the consumer. I shouldn't have a card closed just because I have not used it in a few years. I kept it open to establish a better credit history.
Me and my wifes bank accounts were completely seized on XX/XX/2015 by ARSI for her being 10 days late paying her bill, she had not missed any payments and even paid the late payment. I had over {$1500.00} and she had over {$100.00} in our banks accounts. All the money in both our accounts are from paychecks being direct deposited from our jobs and now we have no way to pay our bills at the end of this month. This should be completely illegal to take all of a married couples money right out of their bank accounts and I want it all back. Please help me because i have no money to get a lawyer now to fight them and might be homeless over this.