WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I received all of my credit reports and a account from XXXX XXXX is reporting negative information about a collection that is Not mine. I paid the original Creditor on the day of service. And my insurance company paid the difference.. i have no knowledge of owing XXXX Partners and has never received any information validating a debt with XXXX.. I disputed this information with all credit reporting agencies and its still reporting negatively on my credit files..
I have a " collection '' account reporting to Equifax. XXXX XXXX XXXX VA XXXX. I sent a certified letter to the collection agency ; which they did not bother to respond to. I got an email from Equifax today saying the company confirmed with them the amount is correct. I do not have an account in collections with them. They have no right to report this and it seems the credit bureau is " taking their side '' as well as blatantly ignoring the FCRA. I want this deleted from my report. Anyone with a XXXX grade reading level can see the information is wrong. It says I opened the account in XX/XX/XXXX but that my first delinquency is in XX/XX/XXXX. Clearly, that is fraudulent in itself.
I 've had a number of problems with my Scottrade Bank account from funds taking way to long to transfer to not receiving a debit card or checks for weeks. I brought this up with my branch manager and he said those issues are dealt with via the XXXX XXXX. Well I called the XXXX XXXX and as expected was transferred several times, told to wait a few days for a response, and then nothing. 

At this point I asked Scottrade Bank to provide me with a copy of the Arbitration Agreement for my account. Scottrade Bank refused and continues to refuse to do this.
Rental Car Company : XXXX Rental Agreement : XXXX Viking Claim Number : XXXX I received a claim from Viking for {$920.00} on behalf of XXXX for vehicle damage on a car I rented from the XXXX XXXX XXXX XXXX, XXXX location from XXXX/XXXX/2015 - XXXX/XXXX/2015 and returned to an attendant without incident. At the time of renting the car I questioned damage to the driver 's side door and was told that it would not be a problem if I returned the car to the same location. Because of this, I made sure to check there was no problems and I got the all clear to go when I returned the car on Monday morning around XXXX on XXXX/XXXX/15. The attendant met me in the driveway and actually drove the car into the parking lot before my husband and I left. 

I first learned of the alleged " accident '' 6 weeks after renting the car - with a notice of collection from XXXX ( an out of state collection agency ). By this time I had already thrown out my car rental paperwork. The notice claimed the vehicle had been involved in a major accident, with damage including the roof and hood of the car. However, there was no accident report or evidence of the damage provided. I was newly pregnant at the time - had I been in a car accident as serious as they claimed I would have needed to go to the hospital. I also have witness who can verify the condition of the car. As further evidence of my lack of knowledge of the incident, I had already rented from XXXX another time. 

When I received the bill for the damages, I took the notice into the Budget location at XXXX XXXX where I rented the car and questioned them about it. The attendant claimed he had no knowledge of the damage or the company - XXXX - and refused to give me his name, claiming he was only a " lowly worker. '' I told him I would not leave without some resolve so he took a copy of the paperwork and told me he would have the manager, XXXX, call me. He refused me to give me XXXX 's last name. And of course, XXXX never called. I also left a message with XXXX and never received a response. I eventually tracked down XXXX after calling XXXX at XXXX XXXX until he picked up the phone XXXX day a couple weeks later. XXXX told me he had no knowledge of the accident and could provide no details of the rental paperwork or condition of the car when it was returned. 

After that, I contacted XXXX Customer Service and received this message : Please note, according to our records, this vehicle was damaged during the rental. I apologize for any possible inconvenience, however this department does not have access to information relating to the incident in question. Please contact our XXXX XXXX XXXX XXXX at XXXX. 

Now I am being contacted by Viking Collection in an attempt to claim the {$920.00}. I explained over the phone that I would not simply hand over money for an incident I am not responsible for and damages I have received no evidence of. I am very worried that this has already negatively impacted my credit rating. I believe this is an intentional scam to get money from XXXX and the collection agencies they are working with. This is fraudulent and criminal. I really need some help.
Chase Bank received a levy from State Attorney Generals Office. Chase placed a hold on funds in my checking account for double the levy amount. Chase also issued a fee of {$75.00} for this process. Is this legal? Why is my bank able to freeze money beyond the levy amount?
Dear Sir/Madam, My name is XXXX XXXX. 
I am the client of Bank of American and Home Equity Account is XXXX. 
In XX/XX/XXXX, They offered me the promotion 1.99 % APR fixed through XX/XX/XXXX. And this promotional rate is only available on new draws by phone before XX/XX/XXXX. 
On XX/XX/XXXX, XXXX. I phoned to draw fund total XXXX to my check account. Of course I returned some during this period. And the Ending Balance is XXXX. 
This means all balance should be in promotion rate. see attached document 01 But the statement ( Billing cycle : XXXX ) is : All other transactions APR 4.41 Principal XXXX Finical Charge XXXX Where comes from all other transaction? My total draw fund ( by phone ) in XXXX is XXXX and this much larger than the ending balance. This means my ending balance XXXX is from phone transferred from Equity account to my check account and this should be APR1.99 not 4.41 as their promotion. All my transaction only through phone as their promotion requirement so all transactions rate should be 1.99 % as promotion. 

Same problem : BOA offered special promotion in XXXX : 1.99APR fixed through XX/XX/XXXX. And this promotion rate is available on new draws by phone before XX/XX/XXXX. I draw funds on XX/XX/XXXX, XX/XX/XXXX, total {$64000.00} by phone. See attached 02 But the statement ( Billing cycle : XXXX ) is All other transactions APR 4.66 Principal XXXX Finical Charge XXXX Where all other transactions come from? Why this principal XXXX is the same as last cycle ( as above said )? All my transaction only through phone as their promotion requirement. So all transactions rate should be 1.99 as promotion. 

As I am not native English speaker, please ask them reply me by writing form. 
My e-mail address is : XXXX OR XXXX. 

Please ask them correct these mistakes and do not make same mistake because last billing cycle they did same mistake and correct after your notice to them. 

Best Regard XXXX
Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my XXXX credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report. 

Account Company : National Credit Systems Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Thanks, XXXX
My home was virtually stolen from me even though I settled twice for the full amount with the court using a lawful financial settlement. The pretender lender has been trying to get me to contract with their frivolous attempts. Nationstar Mortgage. There is a suit pending which will need to be transferred to the XXXX Court house but waiting for money to come in.
I got an alert from XXXX and Equifax and XXXX that my account is 60 days late which is not correct I brought my account current as of XX/XX/XXXX so why am I being reported 60 days late. I called the number on the back of the card and got the run around. I made a payment of XXXX dollars on XX/XX/XXXX then I made a payment of XXXX dollars on XX/XX/XXXX which brought it current then XXXX XXXX XXXX   reports me 60 days delinquent on XX/XX/XXXX which is incorrect it should be reporting current.
Recently Citibank and XXXX XXXX XXXX have publicly stated they will no longer give loans to companies that manufacture XXXX rifles and supporting equipment. I find it very difficult to do business with these financial institutions as they are infringing on my ability to pursue my second amendment rights. I believe they are making business decisions based on what they perceive as popularity reasons. I am considering closing my accounts with these companies and selling my stock in both companies. I am a Citi customer for over 40 years. I hope you can convince them it is not in their best interests to pursue this.
In XX/XX/2018, I made a settlement offer with Discover for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need Discover Card to finalize my credit report to show XXXX balance, settled.
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT CREDIT CARDS USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
I verbally advised this company to stop calling me after I settled and paid a debt. Since I 've made the settlement payment, Receivables Performance Management calls me XXXX times per day. I 've asked them to stop calling me, Ive requested managers and supervisors but the representatives who answer the phone refuse to connect me with someone in leadership. I want them to stop calling me.
I physically mailed the note below to American Express I have called multiple times and each time I get passed around to multiple departments ... customer service, membership awards, technical support. 

Since my last call I have added the following points : 1 ) My account was closed XXXX  XXXX, They have record of me calling to check on the issue XX/XX/XXXX 2 ) They have responded to me via electronic notification but because they closed my account I have no way to get to their message or response. Additionally, no one in support can help me get that message 3 ) I was not notified or checked in with to confirm if my account should be closed at any time. Nor was any thought or care given to what I recall as XXXX rewards points 4 ) I believe customer support said that they did receive a payment from me for the membership fee. This is also odd Letter I sent to American Express. 
To whom it may concern, I have been an American Express Member since XXXX and one of my key reasons for being a long time regular member was the XXXX rewards program. 
Unfortunately my business has slowed down recently but is picking back up. I called in yesterday to check into my account and identified 1 ) my account was closed 2 ) my membership rewards are not accessible I know I had accumulated nearly 1M points and that is very important to me. and I also did not receive a notification of account closure etc If I was notified I would have addressed any issues immediately. 

I was able to call in recently and I believe a case is opened under my name. 

My ask ( s ) : Can I get my account reinstated? 
Can I have my points reinstated? 
If there are any issues can you let me know and I can resolve immediately. 

Again, I am a loyal long time member. I have shared my experiences with countless business and family members to encourage their using XXXX. My family members who are also members are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I would like to continue to be a champion for American Express and their rewards. I find myself in a tough situation with my card being removed, my point balance, and no notification. 

My account information : XXXX XXXX DOB : XX/XX/XXXX Account ending in XXXX Last four of social XXXX Account address : XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX CA XXXX Sincerely, XXXX XXXX
I submitted information to all 3 bureaus about bankruptcys on my report and XXXX  and XXXX have not followed suit abd equifax removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also equifax has continued to update and XXXX accounts that were closed! Like XXXX XXXX which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX XXXX and XXXX XXXX
Capital  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , Citibank  XXXX   XXXX ,
My mom passed away XX/XX/2016. XXXX turned her over for collection. The first collection agency closed their file. She died with no funds. The second agency XXXX turned over the account to let a certified letter sit for XXXX week at the post office, therefore, allowing the XXXX day dispute time to elapse. I sent this company the death certificate in the letter. The day they finally claimed the letter, they sent another general collection notice out. The usps tracking number is XXXX
in XXXX there was fraudulent charges on my Suntrust credit card. I called them they ask if the charges were mine i told them no they told me they were canceling the card and sending me a new one. I waited 2 weeks and never received the new card. called them again and was told it was sent out, wait until the end of the week they told me. never got it so i called again, this time i was told that there was no card sent out that the card was frozen and i would have to come in to the branch office to un freeze it. asked were that was, was told that they are in Virginia and Georgia. Im in XXXX and that was not going to happen. so they told me that they would send it to be investigated and they would call me to see what could be done to close the account. this was the last week in XXXX. I left for the winter to XXXX XX/XX/XXXX they did try to call me on XX/XX/XXXX i was craving and missed the call have repeatedly tried to call and left messages no response so i sent a message on there site. they answered back and someone would be calling me from investigations. still no call. i messaged Suntrust again they messaged me back and said that they did call me. Not true i have had my phone at all times and have not gotten a call. messaged again they asked for my phone number and a good time to contact me. again and was assured they will be calling. Still no contact. I just want it closed do not understand why they can not do this. I have never had the trouble that i have had with this bank i would advice no one use SunTrust if you don't live in there area.
Bank of America has inaccurate information listed as these accounts were short sold and paid as agreed. Please see attached. I am requesting assistance in this matter. I feel they are also coded incorrectly with all XXXX credit agencies from BOA data
XXXX previously was opened to address Wells Fargo and their shady theft. They were able to confuse you like they did something when they only gave a minute credit amount to extra things they already owed for. As stated previously I called Wells Fargo fraud division starting back on XX/XX/17 to close my account due to activity being emailed to me that I had not initiated. 2 more times for a total of 3 I demanded the fraud group close my account and they continued to keep it opened, calling me every day for 3 months and sometimes 2-3 times a day. They finally closed the account but only because I refused to make yet another deposit to the account like I had done 2 other times only for them to eat up the funds and make yet more negative balances from whatever bogus charges they wanted to make up to get it there. They need to remove me from any negative XXXX  blacklist they've done by doing this like XXXX XXXX   and clear this account to XXXX balance and never contact me again.
As reported on Case number : XXXX, PayPal opened an unrequested and unauthorized credit line and their actions have severely impacted my credit score. When contacted, PayPal denied having opened such an account, and said they had closed all my accounts with them. However, today I received the attached statement of this unrequested and unauthorized account.
My Mortgage was transferred from bank to bank since I'v bought it a few years ago, and I noticed Fraud on their end. They refused to acknowledge it and have begun Foreclosure proceedings on me and my family.
Equifax poorly secured my data in their system and now that system was exploited and my data as well as the data for hundreds of thousands of others may have been compromised. Credit freezing for all impacted users should be free of charge rather than me having to pay a fee back to Equifax. 

It 's unconscionable that Equifax is profiting after their lack of security to protect our data.
Sometime in   XXXX   XXXX   XXXX    , I was informed of consolidating my loans through a company called  XXXX   XXXX   XXXX  via a radio ad.     My first interactions were with  XXXX   XXXX , a representative of that company. He stated that the repayment of my student loans could potentially be reduced to "  0 '' f or 240 months if my income fit that repayment plan that was being offered.     He requested information that included paystubs from the last 30 days of employment. I sent that information via email. His contact information is as follows- Email :  XXXX  XXXX  XXXX ,  XXXX  :  XXXX  or  XXXX  ex.  XXXX . He is an   XXXX   XXXX   who forwarded my information to another person named  XXXX   XXXX .      XXXX   XXXX , a student loan processor for the company, then requested the first  XXXX  pages of my tax return. His contact information is as  XXXX   XXXX  :  XXXX  Phone :  XXXX  -  XXXX  All of this information was forwarded between  XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  received my tax information on  XXXX .      XXXX   XXXX  was the next company that contractually binds me for services that could be offered for free. They have me paying back $  XXXX  for their loan that amounts to around {$1400.00}, which is payment to the  XXXX   XXXX  Loans for consolidating my federal student loans. They have all of my information, including my social security number.     Loan Hero can be reached at :     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX  La  XXXX , Ca  XXXX   XXXX
I initially was lied to by the XXXX by their financial aid office by having the lady tell me that I would not have to repay all of my loans until after I graduated. Which turned out to be a complete lie. I was signed up with the parent PLUS loans. I attended the school from XX/XX/XXXX-XX/XX/XXXX. I have already filed a grievance with you folks regarding this LIE & SCAM the XXXX participated in. From this I was forced to drop out as repayments were required. This has in turn resulted in tens of thousands o dollars in INTEREST AND LATE FEES. My original loan of {$43000.00} has BALLOONED to now {$73000.00}!!!! I have been making payments for years and pretty much covering the interest portion at a tune of $ XXXX/month. I had made extra payment amounts to only find out that it never touched my principal at all?!? I called Navient to see why. I called several times through out this nightmare for various reasons and asked at different times to different Navient reps as to why my extra amount was not applied to my principal. The first representative said in the beginning that my extra amounts were in fact applied, which was a flat out lie. I know because somehow my balance kept growing?! After telling her that this was not true she then looked again and said that my extra amounts were going towards interest? Now mind you I 'm paying and have been for YEARS the interest only portion and yet my balance continues climbing. After calling back months later for a request for repayment options the other representative I spoke with said all additional monies paid were applied to principals. You can not get a straight answer from them?!? I just read an article about the pending lawsuit of how Navient misapplied extra payments and I 'm outraged even more with this whole ordeal. I 'm desperately seeking answers and help in my ongoing nightmare with student loans, the scam school of the XXXX and XXXX/Navient. HELP
According to the XXXX website, my information was compromised in their security breach. To me, it is astounding that a company with SO MUCH personal information could allow their security to be so lax. They are offering protection software, but 1 - I do n't want to waive my right to sue them or be a part of a possible class action lawsuit, and 2 - why would I trust them to 'protect ' my identity when it was their deficient security that caused this problem in the first place? I WILL NOT be enrolling in their security protections offerings.
As for this particular incident, it is " too little, too late ''. My information was most likely hacked, and these hackers probably have my social security number, which is MY ONLY FORM OF NATIONAL IDENTITY IN THIS COUNTRY. It 's not like Americans have a national picture ID or national ID number that we can rely on.
I have pulled my credit report from XXXX XXXX. I was unable to receive my credit report online from XXXX and Experian from the XXXX  because the XXXX page froze when trying to access my credit report, so I will be submitting an application by mail. I have also put a temporary fraud alert on my account through XXXX XXXX as I was unable to do so from the Experian website and I do n't trust XXXX  with anything right now. I will be monitoring my credit closely.
On XX/XX/XXXX I contacted AFNI who is a third party collection agency located in Illinois to settle a subrogation claim. Upon contacting them they failed to advise of the debt, charged me a fee in order to process my payment which is not legal in Washington state where I reside, and ran my debit card as a credit card which is against the CFPB regulations. They are refusing to provide any receipt that I paid my bill until five business days and when I called to resolve these issues I was at first placed on hold then transferred to a voicemail with no ID, then talked to abusively by XXXX in the compliance department.
On or about XX/XX/XXXX a commercial lender named XXXX XXXX XXXX   inaccurately reported me being in collections and having unpaid balances on four commercial accounts my company has with them. They reported that these notes hadn't been paid when in fact they had and were never past 30 days. They put late fees on each of the four accounts and then reported them as 1 month term notes and hit my personal credit saying I had failed to pay and the accounts were closed and in collections. Neither of those statements were true. I filed a dispute immediately with Experian and just got notice that the accounts were updated. They still show all accounts in collections and closed which has negatively affected both my personal and business credit.
I BORROWED {$49000.00} FOR COLLEGE IN XXXX SEPARATE STUDENT LOANS. MY FATHER CO-SIGNED THE FIRST XXXX. I APPLIED THROUGH XXXX XXXX WHICH IS NOW NAVIENT. I GRADUATED IN 2006 I HAVE BEEN PAYING ON MY LOANS FOR TEN YEARS. TO DATE I HAVE PAID OVER {$42000.00}. NAVIENT SHOWS THAT I STILL OWE {$53000.00}. MY AVERAGE PAYMENT IS $ XXXX MONTHLY WITH TIMES PAYING UP TO {$2000.00} A MONTH. I GRADUATED IN 2006 AND NAVIENT STATES I WILL BE PAID OFF IN XXXX. I WILL BE XXXX XXXX XXXX.
Explained to Equifax information was incorrect on my credit report. The original creditor claims they were never contacted about the dispute. I believe they are just passing the buck and not verifying complaints.