WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I sent a dispute to Equifax in regards to a fraudulent, unauthorized, collection account that is on my credit report. I wrote a letter stating that the account did not belong to me and indeed was a fraudulent account. I sent over the FTC Identity Theft report Affidavit as well as a police report, copy my credit report with the fraudulent account highlighted, as well as section 605 ( b ) from the FCRA.. On XX/XX/XXXX I called Equifax to check on the status this claim and I was told that they could only see the affidavit and they would need me to submit another copy of the police report. On XX/XX/XXXX I sent over not only a copy of my police report but also a copy of my credit report with the fraudulent account highlighted, a copy of my identification, a copy of the affidavit, as well as another copy of section 605 ( b ) ... On XX/XX/XXXX I call and Equifax and no one is able to assist me ... They kept telling me that it was in dispute but per the law it has to be blocked in 4 days while there is an ongoing investigation .... I am attaching a copy of my police report, affidavit, copy of identity theft, as well as a copy of the 605 ( b ) section ...
Application accepted on XXXX/XXXX/15 for {$350.00} at $ XXXX pay period. Because I 've had payday loans before, with NO problems, I did n't think anything of this one. I called today ( XXXX/XXXX/15 ) to find out when my last pay date was because I figured it should be coming up pretty soon, and she said XXXX/XXXX/15, which was odd since it was opened in XXXX, I did n't think it should take 10 months to pay off {$350.00}. I went online to look at the pay schedule and calculated how much I will have spent by XXXX/XXXX/15. On a {$350.00} loan, I will have given this company {$1600.00}. She said they tack on the finance charge on every payment if amount is n't paid off in full. I 'm in Florida and I checked the XXXX 's website and this company is n't listed as being licensed. Another thing is, they said it 's a tribal company so it does n't have to adhere to state laws. I 'm trying to get rid of my loans and had no idea this XXXX would be lingering on for such an ungodly amount. I 'm tempted to close my bank account. I thought about paying more each pay period to pay down the loan but the more I think about it, and the more complaints I see about this company online, the more I 'm against doing that. My past payday loans were the same amount every payday with the last amount being the balance of whatever is left.
I ( customer ) signed up for a checking account through Chase Bank to take advantage of one of their promotions. After having the account open for 8 months ( or longer ) I visited a local branch to see about getting some checks. Having difficulty verifying me as a current customer, the teller told me my account was closed. When I called Chase Bank customer service ( XXXX ) to discuss the issue, I was alerted my account was closed due to inactivity. I then spoke to personal banker at the branch who told me the same thing. I inquired if Chase Bank could furnish me with proof that I was alerted that the account was " IN DANGER '' of closing due to inactivity. Furthermore, I also asked if Chase Bank could furnish me with proof that I ( customer ) was alerted that the account was ACTUALLY " closed due to inactivity ''. No one at Chase Bank could furnish proof because I ( customer ) was NOT alerted in any way, shape, or form. I ( customer ) firmly believe this is an express violation of my rights as the account owner since I was NOT alerted of the account closure either before OR after. None of which took place! Please dont allow Chase Bank to hide behind verbiage like inactivity and hold them accountable for acting fraudulently and not in the best interest of the consumer.
CitiBank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The equifax breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that Equifax and XXXX and XXXX are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.
I ask them to remove hard inquiries that was mines and also i asked them to provide me with signed documentation from a collection company there 's was not any proof sent to me to show they had any right to collect that the debt or that it was even mines
A collection agency XXXX XXXX XXXX XXXX in XXXX, Colorado XXXX is incorrectly reporting to credit agencies that an item is in collection. That item was incorrectly reported and they said they were going to delete that information from my credit report. I have a letter dated XXXX XXXX from the collection agency indicating they were going to do so, but as of XXXX XXXX, XXXX, despite my repeated phone calls with them they still have not deleted the item so it is showing up as negative. They were also never able to provide me with a copy of any outstanding invoices to substantiate their claim, which was false anyway. There were rude and not cooperative.
Capital One Bank sent me a credit card, it is called XXXX, in XX/XX/XXXX. 
When I got the card, the letter of Capital One said : Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening, and 0 % intro APR for 9 months ; 15.74 % - 24.49 % variable APR after that, but, in XX/XX/XXXX, my bill statement for the card shown I was charged for {$20.00} interest. 
The Capital One bank must explain why everyone got that terms except me? 
The Capital One bank must explain why sent me the XXXX card if I can not have the same terms? 
Is this a fraud?
NORTHSTAR KEEPS CALLING MY FAMILY AT WORK, CELL AND OTHER FAMILY TRYING TO SKIP TRACE DEBT, THIS DEBT IS INVALIDATED DEBT INQUIRIES. 
21 CALLS IN 2 YEARS. 

XXXX XXXX XXXX/XXXX XXXX XXXX sold debts to XXXX XXXX XXXX were they sue for the same debts northstar did.THEY ARE STILL ON MY XXXX. 

VIOLATORS OF THE DODD-FRANK ACT
-XXXX XXXX XXXX Private Student Loan obtained XX/XX/XXXX, $ XXXX Me with Parents as Cosign -Sold to XXXX then Sold to XXXX XXXX XXXX -Payments made faithfully -Cosigner File Bankruptcy I think XX/XX/XXXX -Payments were ongoing -XXXX XXXX XXXX Suspended payments on their own initiative because of Cosigner in Bankruptcy -Somehow Loan Declared as Defaulted with Date of First Delinquency XX/XX/XXXX -XXXX XXXX XXXX Remained unreachable, Loan Disappeared -Attempts to Find the Loan with XXXX XXXX and XXXX were unfruitful as no one knew how to contact the XXXX or what happened to the Loan XXXX XXXX Cosigners Bankruptcy Case Closed, I called XXXX to follow up with Loan XXXX, They Could not localize the loan that they Had secured from XXXX in my name or my cosigners name. XXXX : XXXX Consumer Reporting shows TRANSWORLD SYSTEMS having placed an Account in Collections for me, Date Assigned XX/XX/XXXX -XXXX confirms now XX/XX/XXXX a last known balance of {$7400.00} and provides me a non-working telephone number for the XXXX, multiple attempts failed -I found a different number and reached the XXXX who now ARE able to find my loan and is NOW able to give me information on TRANSWROLD SYSTEM as the company Servicing the Loan on their Behalf -I Speak with TRANSWORLD SYSTEM who is able to verify my account but has home addresses and telephone numbers that are 8 years old ; they have never made any attempt to contact me, neither has XXXX. -TRANSWORLD SYSTEM says a " different department '' is managing my account, I am transferred to the LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX , Florida who confirms my account is in collections, no other information provided as to promissory note, proof of debt, XXXX account information over the phone. -LAW OFFICES OF XXXX XXXX XXXX claim I owe {$7800.00} that they are collecting for XXXX ; a different balance than that provided by XXXX today as the original amount owed. MY GRIEVANCE IS THAT THERE IS A COLLECTIONS ACCOUNT FILED AGAINST ME WITHOUT ANY EVIDENCE OF THE ACCOUNT BEING OWED OR PROOF OF TITLE. THE LOAN IS IN DEFAULT WHICH IS NOT POSSIBLE AS THE LOAN WAS BEING PAID APPROPRIATELY UNTIL XXXX  ADVISED THAT PAYMENTS WOULD NOT BE ACCEPTED RELATING TO COSIGNER IN BANKRUPTCY. I WAS NEVER CONTACTED BY ANY OF THE ABOVE MENTIONED PARTIES WITH REGARDS TO THIS ACCOUNT. THERE IS AN ALLEGED PAYMENT HAVING BEEN MADE ON MY CREDIT REPORT ON XX/XX/XXXX ; WHICH IS NOT POSSIBLE AS NO PAYMENTS HAVE BEEN MADE SINCE XXXX SUSPENDED AS ABOVE, WHICH BRINGS UP THE ISSUE OF THE STATUE OF LIMITATIONS.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
This is a  XXXX  debt that is being handled  by Pinnacle Credit Service but a lso being sought on by LVNV Funding LLC. The credit bureaus are reporting what is being sent to them monthly.
I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, which certain items were verified. I then sent by certified mail on XXXX XXXX, 2016 requesting Method of Verification and to provide me a complete copy of all information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. Equifax failed to comply with proper response within the time required by the FCRA regulations.
On XX/XX/XXXX I sent a check # XXXX in the amount of {$22000.00} to PHH Mortgage to pay off my mortgage in full ; I used their own online payoff calculation tool to get to that number, I even included an extra five days to cover any mailing delays. On Monday the XX/XX/XXXX I received a form letter from them and my returned check stating that " Certified funds are required for payoff. '' It seems ironic that over eight years I sent them over 90 personal checks that were always perfectly acceptable to them, not a single check was ever late or overdrawn, I have a perfect record with PHH. This is some sort of a scam or a hustle to prolong the loan by a few more weeks in order to continue to bill a consumer for phony interest charges. This game of theirs cost me an additional {$37.00} in interest and an additional {$25.00} charge by PHH to process the wire transfer. {$62.00} may not seem like a lot of money to you, but if this is their business practice and they are doing this to thousands of consumers then the numbers do continue to add up ; much like XXXX XXXX and XXXX this is a dishonest and deceptive business practice. PHH should be inspected and fined for its business practices. 

BTW ; I made three separate, lengthy and highly frustrating phone calls with PHH before filing this complaint.
The following complaint arises from a Debt Collector impersonating a creditor by steeping in the creditors shoes to do a foreclosure.
On XX/XX/XXXX, I was involved in a total loss accident in a vehicle that I purchased using the lender XXXX XXXX. Approximately 6-8 weeks later, my insurance company at the time ( XXXX ), along with my GAP insurance company ( XXXX ) paid this lender the amount remaining on the loan balance! The auto finance company then claimed that I still owed them an amount of about {$2600.00} for late fees. This is incorrect as in XX/XX/XXXX I had paid them up to date on the amount I was behind which was only a few months and everything was current. Now since they have continued to deny that this {$35000.00} loan was not paid in full, they have continued to add late fees, interest and anything else possible to run up this tab on a vehicle that's in the junkyard. They have forwarded it as a charge off and the amount has rose to about {$6500.00} and continues to climb. I have done every thing in my power to resolve this but its not right that I am continuing to be affected by this. They report to the 3 credit Bureau 's every month that I'm late on my payment and it is causing me a real struggle to keep my credit score from crumbling. Any help is greatly appreciated.
This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to XXXX, transunion and XXXX   disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and  received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. I have also been charged a XXXX account fee for 7 months while said account was locked.
My Coinbase account has been locked out for over a month now. At one point I transferred over {$5000.00} from coinbase to XXXX. I tried to switch the bank account from my checking to my savings on Coinbase and at that point it would not let me re-add a bank account and it locked my XXXX account as well ( features of my Coinbase account are also locked ). I was invested in XXXX and the amount to which is now in there is much greater than my initial investment. I have called and submitted XXXX tickets and I can never get a clear answer as to why it was locked and when it will be unlocked. Tax time is coming up and I am concerned if nothing is done I will not know how much I have made off my investment. 

My Coinbase case numbers are XXXX and XXXX ( this XXXX created on XXXX XXXX XXXX.
On numerous times, most recently XXXX XXXX, I contacted Portfolio Recovert Associates, XXXX. I asked to settle an account from XXXX. They said that the account had been charged off and forwarded to an attorney for a lawsuit and a settlement could not be reached. I became frustrated that the exact collector that was reporting to the credit bureau was not able to provide me any written agreement who to pay, name and address. They said it was transferred and no longer had the debt. I have also received documents stating that they were suing me. By this time, I became frustrated and hung up with the agent. That was it. Next thing you know, a few days later, I received a letter that my collection account had increased from {$940.00} to {$1200.00}. 
This amount had been the same amount {$940.00} for a few years already. Coincidentally, just because the rep and I did n't resolve my issue, they had the audacity to increase the debt by almost {$300.00} in just a matter of days. They have threatened to place a lien against my home. 
I feel like this is a fraudulent company who is trying to take advantage of me since I do n't know the laws in Texas. 
I would like to request that they remove this collection from my credit and to stop threatening to place a lien on my house. 

Thank you
Sold bitcoin, XXXX XXXX, {$1300.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete and withdrew funds {$100.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete is what shows on the Coinbase website in my account information then I received the following emails : Unfortunately we could not process your sell of XXXX XXXX onXX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. and Unfortunately we could not process your withdrawal of {$0.00} USD on XX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. i have been using the same bank account on Coinbase since XX/XX/XXXXsuccessfully. now my account shows {$0.00} Total balance. No money has been transferred to my bank account and no bitcoins or money remains in my Coinbase account. I have information showing the transactions have been completed and emails saying they were n't completed. i have no idea where my money or bitcoins are and I can not receive an answer from Coinbase even after submitting numerous support requests. As a XXXX year old retiree living on social security this money is very important to me. Please help me.
XX/X/17 - Tried to get free credit report from TransUnion but ended up signing up for a monthly service. Cancelled the service immediately but they were still going to charge me {$19.00} for the 2 minutes I had the account!. Called and they said they would reimburse the cost. This was classic bait and switch and should not be allowed. Especially by a company that is the keeper of your information.
There are two fraudulent accounts on my report for XXXX XXXX XXXX for {$610.00} with Transunion and XXXX, and XXXX XXXX XXXX for {$370.00} with XXXX. I filed the disputes back in XX/XX/2017 and it's STILL under investigation with Transunion.
I applied for a credit card with one of those hand written applications on a plane flight. 

I never heard anything from the carrier or the credit card servicer. I figured that for some reason the application was denied. After several months I found that my credit score had dropped. I obtained a report. Apparently the credit card company ( Barclays of DE ) had opened a credit card and account in my name without my knowledge. When I contacted Barclays on XXXX the agent verified that the address and email address on my account were both wrong. Apparently XXXX gives Barclays these hand written applications and the people transcribing them to digital application often transcribe incorrect information. He also mentioned that the company had tried to contact me by mail only and all letters were returned. In spite of this Barclays still opened a credit card account in my name, knowing they would be unable to contact me about this account. Three months earlier the company had charged an annual fee to the card. The account was now closed by the company but a past due balance was still remaining that had since had a negative impact on my credit score. My score dropped XXXX points in a month and now I am having difficulty applying for housing in the new city I moved to. What 's more I feel like opening these kinds of accounts knowing that they are unable to contact the account holder is a major financial security risk. If someone had gotten ahold of this card I would have no way of knowing obviously but additionally Barclays would have no way of contacting me about the fraud. 

When I contacted Barclays, all they could offer was a mailing address where I could send a paper letter. Apparently the account and situation would then be reviewed and it could take up to 30 days for the company to make a decision on whether they would contact the credit bureau. These are unfair, unsafe and predatory practices by a XXXX company on and American citizen.
After being denied a credit card I applied online ( and called ) for my free credit report from equifax that I was supposed to be able to receive if applying within 60 days ( which I was ). This has happened to me in the past multiple times. I have NEVER been able to get my free report as promised by equifax.
Received multiple letters/phone calls from Webcollex LLC dba CKS Financial, trying to attempt a debt. Requested a notarized debt validation letter between self and Webcollex LLC dba CKS Financial.
On XXXX XXXX, 2017, an unauthorized 3rd party support company ( XXXX  ) displayed a popup window on XXXX website, as I tried to activate a new XXXX device. It said " error- call support at ( XXXX XXXX  number ) ''. A XXXX rep with a strong XXXX accent told me ( fraudulently ) that XXXX is authorized by XXXX to activate my XXXX device. She said I 'd have to e-sign a contract before they could activate it, and it would cost {$99.00}. I protested, but wanted the device functional, so esigned. On XXXX XXXX I called XXXX support. They told me XXXX is a scammer, that no activation fee should be charged, and XXXX has no affiliation with XXXX. On XXXX XXXX to XXXX XXXX, I opened a billing dispute with citi cards, my credit card company, to dispute the charge. I reported the above incident to citi dispute center. After several weeks, citi decided to pay XXXX the {$99.00} fee. I am still arguing with citi dispute center that it was adequately proven to be a 3rd party unauthorized support scam, and they should not have decided to pay the {$99.00} charge to XXXX. Citi dispute center, 4 weeks after XXXX XXXX, asked me to obtain a cancellation of the contract with XXXX. I requested that from XXXX, but they refused to cancel the contract.
Customer service for Coinbase will not reply to my inquiries. This is happening to thousands of people worldwide. I have thousands of dollars in my account, and ca n't access it until customer service responds to me. They have more or less locked up my account until they get to my issue.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Capital one Credit Card shows i have had three credit cards with the company too my knowledge i only open 1 card i have disputed other 2 as fraud even with all three credit breau with no help or prevail please assist why are cards keep being opened if deliquent cards exist makes no sense
Collection reported on my credit report I owe them XXXX for XXXX XXXX. On XXXX XXXX, XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. 
I have not heard back from this agency. They inform the credit bureau that I disputed but no other action was taken.