WillisBack/dataset-financial-user-claim huggingface dataset:
Based on the agreement/settlement between the states attorney and the credit reporting agencies on XXXX XXXX that they will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' " Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. " Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.Beginning in XXXX XXXX, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. I previously disputed them and was told that they was not parking tickets. I have provided that they are parking tickets in the attached documents from the City of XXXX XXXX Parking Administration. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX
I cancelled my XXXX cable servicel & did not receive a closing bill for several months. I had to contact them for my closing balance, which I paid in full at that time. In the meantime, they transferred my account to a collection agency, who I have tried to deal with, but now they are threatening to " refer my name & address and amount due to major credit reporting bureaus throughout the Uninted States. '' I have called I explained to them the situation several times, but they refuse to stop contacting me. The amount they are demanding is their charge of XXXX plus interest.
Account with Chase Card showing that it was open on XX/XX/2011 with a balance of {$390.00} submitted several requesting the information be remove due to fraud
I have tried requesting my cosigner to be released multiple times with no success. XXXX. I do n't want this to XXXX her in her last days nor do I want my loan to default at the time of.hwr death and to overshadow my mourning of her. Please help me I want to pay my loans monthly but I do n't want her to fear the loss of.her social security due to me being late on payments when/if that happens. I 'm begging for any help you can provide. My credit is horrible by the way so refinancing is really not an option
I submitted my answer in XXXX went to court in XXXX. The Judge removed it from XXXX XXXX because I am in an active bankruptcy. Well Fargo 's Law Firm : XXXX XXXX XXXX XXXX XXXX in XXXX. IL sent a request to my bankruptcy  attorney to lift the Stay and it was granted. Now, I have a sale date XX/XX/2018 with no regard to XXXX XXXX 's removal from XX/XX/XXXX. XXXX XXXX, Thank you, XXXX XXXX XXXX XXXX XXXX
Experian has been charging me {$29.00} for the past 8 months for a service I neither requested nor have been provided. The dates of the charges are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Because of these spurious charges, I have also incurred {$170.00} in overdraft fees at my bank. When contacted about this, Experian merely agreed to close this " account ''. I believe this " account '' is now closed, but I have not been sent any of the reports they charged me for, nor do I want these reports. I have the bank statements showing the charges, but am uncomfortable loading them here. Experian 's method of doing business is underhanded and wrong.
I just gotten a investigation completed as of XXXX XXXX from trans union, I have noticed reinserted a previous deleted account from XXXX and also notice several other negative during any accounts, especially the XXXX first premier accounts, who always report negative information or incorrect and wok with the bureaus in the disputes by basically automatically verifying information with out really during any true reporting, So again I these accounts do not belong there and is not my duty to provide things to them but for them to verify there inaccuracies, and sometimes consumers dont keep records that old or have other documents to send to them if the accounts were never reporting right at all.Also as the previous dispute, the report contains a outrageous amount of inquiries that I have no way to dispute as I should by law. I ask that investigate this entire list of inquiries, cause there is at least XXXX to XXXX fraudulent or unauthorized use of my report being sold or view by companies that dont have record of the inquiries, or Transunion is selling or providing them reports in error or directly to make money.
I have been disputing the same items with the Bureau since XX/XX/XXXX, 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature.

Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.
In XX/XX/XXXX of 2017 I moved out of a condo at, due to XXXX XXXX XXXX not resolving issues of black mold in my unit and not fixing my A/C unit for 1 month and a half which conditions were not safe for me as I already have major health issues. Also found out their was a water leak in my unit that damaged condo below me. I contacted Code Enforcement, they came out fix up things a little but did not further investigate black mold issues, not having A/C made it worse. I wrote a 7 day notice letter to them explaining I am moving because they breach contract agreement. I moved out on XX/XX/2017. XXXX XXXX XXXX still did not chose to fix issues. Instead they over charged me for wall damage and blinds that was broken by XXXX XXXX company and overcharged me to paint walls and a fee to replace a tenant in unit. I found out later they have put these charges against my credit which I didn't receive any letter to dispute. Also found out This company has done many other consumers the same way and they also had similar issues.
Santander auto car loan Has been the biggest rip off I hav ever come across I 've been monitoring my credit making on time payments an then I noticed that not one payment not XXXX Dollar not XXXX cent I have payed has gone to the principle of the loan. My principle have stayed the same the whole time I was paying the car note currently researching legal representation
On XX/XX/19 I mailed out a letter requesting verification and it has been past that timeframe and nothing was mailed in response to me for this debt that does not belong to me.
I was placed on collection for a non-existing debt of XXXX fro the amount of {$740.00}. I called XXXX to verified that I owe them nothing and of course I do n't but XXXX has this wrong information on my record and wont remove it. XXXX is the type of company that if you do n't pay them will cut your services so there is no way a person can have such debt with XXXX. 
I am in the process of entering the police academy and this inaccurate information can ruin my career.
I called on XX/XX/2019, at around XXXX XXXX I spoke with agent name : XXXX ID XXXX we spoke for an hour and a half. I explained that I am going through a financial hardship and need to work out a payment plan to avoid bankruptcy. She said she thinks she can help, she would need to fill out an application and would know instantly. She asked me several questions and said I was approved to pay {$87.00} per month for 60 months at zero interest. She said the deal can only be made if I agree to pay the current payment of {$150.00} and change on or before XX/XX/2019. I agreed and said DEAL! 

She put me on hold for a few minutes and came back and said this is not normal but we need to send this to a supervisor for approval. I said it was already approved by the computer that you already made the offer and I accepted it, we have an oral agreement. She said she can't offer the deal that was already offered by Chase and accepted by me. She got her supervisor XXXX ID XXXX who said we are not able to offer the deal that was made with the agent XXXX. I said the deal was offered and accepted how can you rescind the deal, I already accepted the offer. We have an oral agreement. 

I told XXXX to check the recording conversation that it was already accepted he said he would check to see if the representative did make the offer and I accepted the offer and it would take a month to check the recorded conversation. I explained that if Chase wants a month to listen to the recording that I shouldn't be responsible for the payment coming due on XX/XX/XXXX, since I needed the hardship agreement to take effect to make the payment. I shouldn't be responsible for making payments while chase is taking a month to review the recorded conversation and refuses to honor the hardship agreement that was offered to me and accepted by me. 

CHASE IS IN BAD FAITH NOT HONORING THE DEAL THAT WAS OFFERED AND ACCEPTED BY ME. 

On a sperate request please note in the records : I am requesting Chase to please preserve the phone recording made on XX/XX/2019, at XXXX XXXX lasting over two hours  regarding this situation.
I filed a complaint about the fixed rate account suddenly becoming a variable rate account and chase is going to double the interest rate for new purchases after XX/XX/XXXX ID # XXXX. Chase closed this without doing anything and RETALIATED AGAINST ME without abiding by the 45 days RULE of LAW and against the written 45 days notice required by law. It states transactions made BEFORE XX/XX/XXXX : The current APRs will continue to apply to these transactions. it states ALL changes take effect XX/XX/XXXX. Chase increased my intererest rate from XX/XX/XXXX intererest rate of 5.90 % APR to 6.15 % APR interest rate in XX/XX/XXXX .... PRIOR to the 45 days RULE of XX/XX/XXXX. 

Chase also RETALIATED AGAINST ME regarding my HEARING XXXX. Without ever answering my phone calls or calling me back after the first phone call to me. I kept just leaving voicemails. Then they RESTRICTED ME to WRITTEN communication only through the mail and DENIED me the ability to contact them by phone, text or email messages. The hearing XXXX rely on text and email messages and WITHOUT getting my permission at all, then they wrote saying that all future communication is only by written communication SUPPOSEDLY with my permission which I never gave at all. 

So they increased my intererest rate prior to the 45 days RULE of LAW of XX/XX/XXXX from 5.90 % to 6.15 % and restricted me without my permission to written communication only as RETALIATION for my complaint on XX/XX/XXXX. See enclosed photos.
XXXX XXXX from a group called Premiere has been harassing relatives and friends regarding an outstanding debt they say is owed by me. I have requested a " Validation of Debt '' and they refuse to acknowledge or forward anything to that effect. They continue to harass and threaten or give me any other information. PLEASE INVESTIGATE THIS GROUP. The only number I can get for them is XXXX. There are numerous lawsuits against this company. PLEASE STOP THEM
I have disputed the account on my credit report  XXXX   XXXX ,  XXXX  {$540.00} multiple times with Experian and they continue to not remove the account from my credit report. I do not owe this creditor this account does not belong to me. I sent a certified method of verification request to them on  XXXX   XXXX ,   XXXX   and it was delivered on  XXXX   XXXX ,   XXXX  . I have not received any evidence supporting the creditors claim that I owe the debt of {$540.00}. This account has hurt my  credit score  tremendously and continues to do so everyday this account is allowed to remain on my credit report. Experian has not responded at all to my method of verification request and it has been well past the 15 days that they have to answer to my request I want this account removed from my credit report.     On the sam e Method of Verification r equest I listed the following account   XXXX   XXXX    {$12000.00} requesting for the information they used to verify this account and the same as the above applies I have not received any thing from Experian in regards to the  Method of Verification  request I sent to them for this account either. I want this account removed as well. Experian seems to not adhere to laws meant to protect consumers rights and continue to not conduct real investigations into consumer disputes and continue to allow creditors to not have provide any supporting information verifying the debt is real.
My home is being sold with a closing date of XXXX/XXXX/2017. I was sent a letter dated XXXX/XXXX/2017 saying my home loan was being transferred from XXXX Mortgage to Loancare a service link company effective XXXX/XXXX/2017. 

The closing title company called the new mortgage company about 7 days before closing to inform them that they would need a payoff statement from them on XXXX/XXXX/2017. This has not happened. I have contacted Loancare multiple times and been told that it may take XXXX10 business days before they are able to provide this, I have confirmed with them that interest is compounded daily and therefore this XXXX10 day delay will be costing me money because they are not able to give me a payoff statement. 

I have spoken with several individuals, several supervisors, and XXXX manager who do n't seem to care that my home closing is on XXXX/XXXX/2017 and simply say that it is bad timing, every time someone says they will call me back I do not get a call. There MUST be a way to create a loan payoff statement so that I am not charged beyond the date that I am willing to payoff my loan, if there is not IT IS THEFT!
I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed. XXXX was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX, when the Assignment of Mortgage was recorded and filed in the office of the City Register of the XXXX. 
I requested for an explanation during the month of XXXX XXXX, but was not provided with this information in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ). 
I also requested to know the date the mortgage and note was transferred or placed into XXXX and when XXXX or XXXX indorsed the subject note to XXXX or transferred possession of it in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).
On XXXX XXXX, 2018, I called Ideal Collection Service, XXXX regarding an account I noticed on my credit. I spoke with someone named XXXX, ( last name was not provided ) and when I advised her I was not aware of any lease in my name and that I planned to put the matter in dispute. She then advised me that the only way I could dispute the debt per federal law was to report the matter as fraud to my local authorities and then provide her company a copy of this police report in order to have the debt investigated and removed from my credit. When I asked her what federal law this was applicable under, she refused to provide me that information and told me I would have to find out myself. She then proceeded to be very rude and unhelpful in providing any additional information regarding the account. I then requested to speak with a manager, she told me she was the manager and refused to allow me to speak to anyone else at the company who may have been helpful.
{$50000.00}, 59 months CD, 1.49 %, opened XX/XX/XXXX.

Closed the account : XX/XX/XXXX.

$ XXXXCD was on deposit for two years, four months. After fees and penalties, the {$50000.00} CD had a current balance of {$51000.00} and was redeemed at {$49000.00}. The fees and penalties totaled {$1800.00} which reversed all interest paid to date and {$80.00} more.

When I asked for an explanation, nobody at the branch could print how the penalties were calculated. I called the XXXX customer service number, and after many tries, I determined the penalty was 50 % of the interest that would be paid over the total 59 months. The penalty was 3.2525 % on a CD that paid 1.49 %.

US Bank markets the product as a standard CD. Through my experience, standard five years CD 'S have penalties of six months of interest. This penalty was over two years of interest. Amazing and outrageous.

At minimum, in my opinion, this is an unfair banking practice. Customers beware. When you open a CD at US Bank, you do not know what you are getting.
I was contacted on XX/XX/XXXX and again on XX/XX/XXXX by someone claiming to have an arrest warrant from the XXXX County Processing Department. They also asked to speak to my supervisor to make them aware of the arrest warrant. I wrote down their name and number and offered to call them back. When I called back, another person working at the XXXX XXXX XXXX advised that Spotloan had sent me an arbitration request that I ignored. They then claimed to have a court order for garnishment. I have not been notified of an arbitration request or a court order. I did offer to repay Spotloan the XXXX that was owed, but I will not deal with threats or extortion.
Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is MIDWST RCVRY. The original creditor was XXXX XXXX XXXX XXXX XXXX. and this is not my debt. I am XXXX feet tall not XXXX feet XXXX  inches, I have XXXX XXXX, not XXXX. I was XXXX not XXXX. I've never been employed by XXXX XXXX. I have not been XXXX XXXX  sinceXX/XX/XXXX. I never lived at the address in the complaint or on the hospital bill. I was never XXXX XXXX in the state of Florida. This is a case of mistaken identity or identity theft
Synchrony continued to call me and work and home at inconvenient times ; after XXXX, and scared me by threatening to come by my home and work to pick up the money I owed them. Synchrony continues to report negative info to credit bureaus on my credit reports even after I told them to place " this account is being disputed '' on my reports. After 60 days, they still have not done this. I would like to receive {$5000.00} or more in compensatory award monies and that my debt be cancelled and wiped clean and I be issued a new {$900.00} or so credit card and credit card line of monies. thank you
Debt collection company was issued a validation of debt notice which was received XXXX XXXX 2015. They have posted the debt on my credit score after being told not to until validation was made.
NationStar Mortgage is the only lender out of the XXXX other lenders that I have that give me issues. For about a year they kept calling me and harassing me about payments being late on the XXXX of each month, when in fact I had till the XXXX to make the payment. After a year of calling an yelling at them over the phone they stopped. Thank XXXX some law firm filed a class action against them which I was more than happy to sign up. 

2- They changed my bill to paperless. I have called multiple times about them changing it back to bill. 

3- My Adjustable rate expired and they never notified me that my payments had gone up. They assumed I would log in online and see it. I did not receive anything in mail 4- Every year, the harass me about my home insurance policy, they want to force their own policy on to me and they can not figure out my name after 7 years still.
I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX Instead of XXXX. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied a credit card through XXXX and was denied due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous account with the XXXX which is paid up. It is frustrating dealing with and attempting to dispute and clarify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent by mail and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or if there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus in order to expedite and correct these issues with no luck. Please advise. Thank you for your understanding and assistance in this matter.
I own a commercial building and previously banked with PNC. 
My tenant inadvertently sent the rent to PNC bank XXXX, but we had changed banks, closed the PNC accounts, and notified the tenant. 

PNC cashed the checks totaling almost {$7000.00} and held the money for several months. They now claim the funds were returned, but XXXX XXXX, who originally issued the checks, has provided documentation of the cashed checks and the account debits, and has no record of the funds being returned. After 4 months and numerous phone calls emails faxes etc, PNC has still not provided acceptable documentation of the funds.
1. In XX/XX/XXXX, I had a balance of {$140.00} on my XXXX XXXX Store credit card. However, I did not receive this billing statement because I went home to the XXXX in XX/XX/XXXX. I instructed my niece to pay the balance but she was not able to do so because when she called XXXX XXXX, she did not get the balance to be paid due to their claim of confidentiality. 
2. When I returned in XX/XX/XXXX, my balance had ballooned to {$330.00} due to late payment charges and interests. I complained to XXXX XXXX XXXXat it was too much because it was not my fault that the balance was not paid. 
I was told to pay only {$230.00} and that should settle the matter. 
3. I received another billing statement for the balance of {$100.00} which was the balance of {$330.00} minus the {$230.00} that I paid. I did not pay it because of the former agreement that {$230.00} settled the matter. 
4. The amount of {$100.00} has ballooned again to {$290.00} by XX/XX/XXXX. 
and the account has been referred to collection agencies which has affected my credit history and I can not obtain any other credit card due to this matter. 
5. I sent the complaint regarding this matter to XXXX XXXX CEO, XXXX XXXX who referred the matter to XXXX XXXX of XXXX XXXX Executive Office in XXXX, Arizona who rejected my payment of {$230.00}, insisting on collecting payment for late payment fees and interest. XXXX 's tel. number : XXXX XXXX, Extension XXXX 6. I believe it is harassment and inequitable in continuing to charge late payment fees and interest on late payment fees and interest when the original amount of the credit card charge of {$140.00} which was already paid for by my {$230.00} payment. 
7. I am XXXX-year old widow with only a Social Security monthly income of {$790.00}. I am not in a financial position to pay this additional unjust charges/