WillisBack/dataset-financial-user-claim huggingface dataset:
The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( XXXX ) below are not mines.
View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$3000.00} Needs Attention
Out of no where- started receiving calls at work, and leaving messages. I did answer and told them not to call my work, that I do not receive personal calls, and the man was combative, yelling at me " DO YOU WANT TO GET SUED? '' over and over. I have received threatening voicemails, stating that I am being investigated for fraud. My family has been called and harassed. My brother did not give my address, and the man stated : what type of brother are you, that you do n't know where she lives? '' I receive different v.m. with different people calling. On my work v.m. they left a case #. They sent a letter to my former address, and it was forwarded to my new address- and it stated they bought my debt and not they want to collect {$7200.00}!! I do not owe any money to this company. They said the loan was from XXXX.
Experian, XXXX and XXXX did n't send me my updated credit report with a courtesy credit score, so I can review and send the errors, unauthorize inquiries on my credit report. My name is XXXX XXXX XXXX, not the other names and information on my personal file.
Please remove the charge off status on the accounts listed here.. THe accounts were never a charge off, I paid them on time and were satisfied as agreed. I disputed the accounts with Equifax but they did not help me..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
On XXXX XXXX my wife XXXX due to her " HIDDEN FROM ME '' massive charge card debt. I notified every one of the companies that were a victim of her forgery and fraudulent activities. She shredded every document in this house and gutted our P.C. She robbed the household of our retirement money and was possibly the one that orchestrated the robbery of our home in XXXX of 2014. 
I found out about a Bank of America account as a result of trying to borrow enough money from my credit union for her funeral. Initially BOA had no information about me on record according to the branch bank I visited here in XXXX Michigan. In the spirit of co-operation I gave the person at that bank branch my S.S. number. BOA has now turned all of her fraudulent charge card debt into an account for me. I have had to hire legal representation and told them I will see them in court for a resolution. 
Now in the last two days they have been calling my house by utilizing a recording. My attorney has advised me this is against the law and this is why I am contacting you. 
My attorney has sent them a letter advising them to leave me alone and any future correspondence should be directed to him. They are ignoring it. I do n't need this XXXX after my wife XXXX and gutting this household of most of the finances. They had better stop and it had better be sooner than later.
I am writing this regarding fraudulent activity in my checking 's account in the early morning of XX/XX/18 in total amount of {$3900.00}. Earlier that evening, I used my card at a restaurant in the amount of {$11.00}. During my time there, I misplaced/lost my debit card without my knowledge. I woke up in the middle of the night to a text message from Chase regarding a valid withdrawal of {$800.00}. I saw this text message approximately 35 minutes from when it was sent. I immediately replied that it was not a valid transaction. I then called Chase service right away to request a cancel/issue of a new card and to report the fraudulent activity that had taken place. While doing so, I checked my checking 's account to see a total of 5 transactions that totaled {$3900.00}. Two of them were at a Chase ATM for {$800.00} and {$200.00}. The other 3 transactions were at a Currency Exchange, which is all the way on the other side of XXXX on the XXXX XXXX and I live all the way on the XXXX XXXX, in the amounts of {$720.00}, {$970.00}, {$1200.00}. I am shocked that Chase let MULTIPLE withdrawals of these amounts go through without blocking any of them. I have never withdrawn money like that before, so I believe that it definitely should have raised a red flag. Since my original call, I called Chase three times that week to check up on the funds since it's a great deal of money. All three representatives that I talked to assured me that my claims were under review, and I should be receiving my funds shortly. Chase then credited my checking account and then reversed the transaction out right away within a day or two. I was shocked. I called to see what was going on and the fraud representative was very unhelpful, rude, and told me my claim had been denied. I am in disbelief as any logical human could see that I have never had activity on my card like this before. She stated that it was declined since it was in the same geographical location from my address. I then proceeded to ask what is the distance maximum that this rule pertains to and she stated 2.5 miles. That's very interesting to me as the first 2 Chase ATM withdrawals happened a few miles down from the last place I used the card for {$11.00} and the last 3 transactions at the Currency Exchange happened approximately 10.4 miles away from my address which I attached to this letter, as I live North and these transactions were made all the way on the XXXX XXXX of XXXX. I am asking for your help in the recovery of these funds as Chase Bank is being very unfair, illogical, and negligent in their investigation of the Fraud claims as I have NEVER had activity like this before on my card. Help will be greatly appreciated. Thank you very much for your time and work.
I have a loan with US Bank and refinanced and closed on XXXX/XXXX/XXXX. The appraisal for the XX/XX/XXXX refinance was {$380000.00}. I was told I would have to wait until my loan was 5 years old before having the PMI removed. On XXXX/XXXX/XXXX, just before my 5 year anniversary date I contacted US Bank to have the PMI removed. My home value on XX/XX/XXXX per the current market was over {$500000.00} and my loan balance was {$310000.00}. The first representative indicated that I could arrange through US Bank to get an " abbreviated '' appraisal for {$150.00} such that my new LTV was based on current market. She gave me a fax number and email to submit my request to. Upon submitting my request I received a canned text letter back stating the LTV must be XXXX % of original loan value and that HUD does not take into consideration current market value of property. That it 's based solely on the information from closing ( which would be the XX/XX/XXXX old appraisal amount of $ XXXX ). I let the issue go then recently logged into my account and noted that I am now well below the LTV they previously indicated I needed to be to have the PMI removed. Do you think they went ahead and proactively removed it!? NO, of course not. I placed another call and the representative I spoke with again mentioned and questioned why I had n't paid the {$150.00} for an updated appraisal. He said he would contact the PMI department, have them send me a packet in the mail and that I should review the packet and see if I can find anything related to the appraisal option. So I waited for the packet to arrive ... Instead of a " packet '' arriving what I did receive was a XXXX page letter indicating that I 'd met the HUD requirements for terminating the monthly MIP and that they 'd notify HUD and update my monthly payment amount. I would like to be reimbursed for all months they charged me MIP from XXXX/XXXX/XXXX to todays date. It was I that proactively reached out to them several times requesting for it to be removed yet they A. ) did n't give me the appraisal option such that the value was based on current market - as they apparently have for other customers and B. ) continued to charge me the last few months for MIP when I was already at the level they outlined in their letters.
I have a issue with a 30 day late being recently reported on my account. for XXXX XXXX on the day of XXXX XXXX. XXXX the payment was made. I can show proof of the payment being made on this day and my account was due XXXX XXXX XXXX. This is illegal reporting inaccurate information on my account. I am sure this was just a accident or mishap on your end. 
The only thing i can think about is the XXXX payment was made on XXXX XXXX but it was rejected by my bank because the account number was missing a XXXX digit. If this payment was due on XXXX XXXX and not made on time because of a reject then it would take until XXXX XXXX, to be 30 days late. I made my payment on XXXX XXXX to avoid the 30 days late 3 days prior to my payment being due. 
Either way. I am not 30 days late in XXXX or XXXX. I have been a loyal customer for almost 2 years. I have been patiently waiting on the XXXX payment to be removed also from my account. As i was not late for this payment either. 

I am asking you to remove both late payments and send me certified proof you have removed these late payment from my account. I am trying to close on a house at the end of this month. 
PLEASE REMOVE THIS LATE PAYMENT FOR XXXX AS I CAN NOT BUY A HOUSE WITH THIS BEING REPORTED ON MY CREDIT REPORTS. I AM ENCLOSING PROOF THAT I WAS NOT LATE IN XXXX WITH A CASHED MY PAYMENT. 
PLEASE CALL ME ASAP, I HAVE SPOKE ON A RECORDED LINE TO 3 OF YOUR CUSTOMER SERVICE PEOPLE THAT ALL 3 HAVE AGREED I WAS NOT LATE IN XXXX. THE DATE OF SPEAKING TO THEM WAS ON XXXX XXXX AND XXXX XXXX. IF YOU WANT TO LISTEN TO THE RECORDED CONVERSATIONS. 

PLEASE CALL ME ASAP, I HAVE ONLY 5 DAYS TO CORRECT THIS OR I AM GOING TO LOOSE MY MORTGAGE OF MY HOUSE AND HAVE NO WHERE TO LIVE. THIS WAS A RENTAL HOUSE THAT IS BEING SOLD TO ME. I HAVE TO CLOSE AT THE END OF THE MONTH. 
XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/2017 CFPB : JPMChase contractor " XXXX '' took and refuses to return to me my XXXX ( XXXX ) Repurchase Agreement Materials, when JPMChase had acquired XXXX. I had never given permission to XXXX or any of its Successors or Assigns to break into any Homestead of mine and take my XXXX Repurchase Agreement Materials, in Violation of the Illinois Unclaimed Property Act. In connection with my XXXX Repurchase Agreement Materials, I have never waived any legal right of mine to own Property. 
I demand that JPMChase provide me all materials concerning its Contract with " XXXX '', including, but not limited to, true copies of the Contract ( s ), e-mails, telegrams, transcripts of telephone conversations, notes, appointment book pages, etc., in addition to returning all my FNBC Repurchase Agreement Materials. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Springleaf has twice contacted me trying to " verify '' information regarding a relative. After the first contact I did research online to find they were only allowed to try to contact me once after I did not agree to providing information ( or confirming my relation to the individual ). Today I was again contacted by Springleaf and the representative would not verify why they were calling but simply that they wanted to collect information on the relative. After a quick XXXX search of the number I found it too was owned by Springleaf.
Borrower finalized her divorce from the primary borrower on the loan, on /or around XX/XX/XXXX. 
Since then the secondary borrower have been paying the monthly mortgage payments. The secondary borrower have tirelessly presented financials and the ability to pay the mortgage, but the lender have continually rejected removing the primary borrower from the loan. Although the settlement agreement, as well as the divorce decree, have been presented to the mortgage company. 
Again, I requested a modification on/or around XX/XX/XXXX, and was denied because XXXX XXXX XXXX XXXX, dba, Home Mortgage Company because they factored in the primary borrowers ' income although the primary borrower was no longer in the home. Also, effectual documents were submitted to the lender along with their representatives. 
Most recently as XX/XX/XXXX through XX/XX/XXXX the above documents were presented to XXXX XXXX XXXX XXXXXXXX, dba Home Mortgage Company both to the refinance department also  assumption department. Yet both applications were denied, based on the foreclosure on the primary borrower in XXXX. This is not feasible to continue to carry the other borrower on a loan that he has not paid for in over nine years.
Today I was contacted by Nationwide Credit Inc stating that I owe a bill in the amount of {$220.00} regarding terminix. I contacted terminix on several attempts and as of today 's date I have never received a corrected bill from their accounting office in order to pay what is owed. Every time I call their office it is a difference amount than what is on the original bill and as of today 's date this collection is also for a different amount than what they have stated I owed. I can not pay a bill if a company is not sure of what I owe nor can a bill be paid when I have never received a corrected copy in order to pay it. I was advised that I would receive a discount on my bill for customer loyalty and as of today 's date that has never been discounted and also I have never received a bill that showed the corrected amount to pay. Today I received a bill from Naitonwide Credit advising I needed to pay {$220.00}. I have never owed {$220.00} to this company and do not know where this amount has been calculated from and what for it has now became a form of blind payment system. Throwing money on a bill and never receiving or paying more than what is owed in order to satisfy a greedy company that does not live up to what they said you owe and for services that have not been rendered.
My Tribute card was issued to me in XXXX. I made all payments on time. In XXXX XXXX, Tribute raised my credit to {$500.00} without my request and then closed the company. I called ot make a payment in XXXX, XXXX and was advised that the company closed and could not be reached at the number or correspondence. The company Jefferson XXXX XXXX reported that my Tribute card was lost and re-issued. My card was never lost and reissued. The company XXXX XXXX then put both accounts that I did not have on my credit with a balance of {$1000.00} without notifying me. I reported the complaint to all XXXX credit entities such as XXXX, XXXX and XXXX and my claim was denied. The credit is reporting on my report for the last 9 years beyond the lawful amount of time of 7 years and is reporting incorrectly. I would like for the account to be removed from my credit report. My credit report shows that I have disputed the account. The company does not meet federal regulations and is reporting incorrectly.
I have had this loan with American Credit Acceptance for over 2 yrs with this company and these people should not be in business AT ALL. Everytime I call I get treated like They are doing me favors just by answering the call they are EXTREMELY RUDE AND NASTY from hello. I set up autopay to avoid having to deal with them and most recently I had my payment scheduled for XXXX and their online auto payment system failed to take the payment from my card and So I went back online on XXXX and scheduled payment for XXXX and their system once AGAIN failed to process my payment knowing that there were funds available in the account I called in first thing on XXXX and first spoke with a rep who got me with a manager named XXXX, she transferred me to XXXX and she transferred me to a XXXX XXXX who claimed she was the highest member of management and every single one of these people REFUSED to help me or even take a look at my account to confirm exactly what I was saying these people are con artists and do nothing in the best interest of the customer. I finally spoke with a XXXX who claimed he was a department manager and he would take care of the late fee as a " courtesy '' I advised him theres no courtesy that hes doing, his company billed me incorrectly and thats the bottom line and once I threatened to file a complaint with the CFPB and make them aware of the ongoing issues with this company then things changed on the call. It should n't have to come to this point to get a respectful response from these people who I have to pay each month. I am fed up with American Credit Acceptance and they should be out of business with these business practices immediately if not sooner. I will not cease until something is done about this and this company is investigated because I KNOW other consumers who deal with these clowns have had similar if not worse interactions with them.
I filed for bankruptcy and since it was discharged they have done a hard inquiry on my credit 2 times. XX/XX/XXXX and again on XX/XX/XXXX.  They have not called or emailed me. Made no attempt to contact me that I am aware of other than accessing my credit report. This is not acceptable. I filed bankruptcy to try and repair it not to have them ruin it even further. This is causing issues with renting a home and lowering my credit score.
I.C. Systems, Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX continues to place false and misleading information on my credit report. I have contacted both of these creditors notifying them that these are fraudlent accounts. XXXX has sent me a letter stating that they had removed the account from my record put this company I.C. continues to place it on my credit report.
They have also lied about the date it was not opened on XX/XX/XXXX.
I have letters from the DOJ they have arrested the people who used my Identity. I.C. Systems is using fraudulent means to obtain monies.
Derogatory marks View all accounts COLLECTIONS I.c. System Inc. Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX I.c. System Inc.
Opened XX/XX/XXXX + {$53.00} Original creditor : XXXX XXXX
There is a duplicate inquiry from XXXX in the past 30 days and there should only be XXXX reporting. I was advised by XXXX that they requested it be removed but it remains. There is a fraudulent inquiry that remains from XXXX XXXX dated XXXX/XXXX/XXXX. I was advised by XXXX XXXX that they requested a removal but it remains. I was also advised by XXXX XXXX that a request was sent to have inquiry removed ( XXXX, XXXX, XXXX ) over a year ago but it remains. There is written documentation in a previous XXXX XXXX complaint with CFBP. There is an inquiry from XXXX XXXX that is fraudulent and I was routed back to Transunion to dispute. There is also an inquiry from XXXX XXXX XXXX that is fraudulent. My driver 's license was stolen along with my car XXXX XXXX. Please add my phone number to my fraud alert. XXXX.
XX/XX/2018 sent in two payments in the amount of {$60.00} XX/XX/2018 sent in two payments in the amount of {$60.00} These payments are done via electronic transfer American Education Services does not show any payments. 
XX/XX/2018 had the bank send proof of XXXX payments. AES still calling me daily. 
XX/XX/2018 called AES to confirm a resolution has been made. They received proof of 1 payment and applied it incorrectly. XX/XX/2018 had my bank send proof of the 2nd {$60.00} payment from XXXX XX/XX/2018 in my conversation with American Education Services they could not confirm that they received the 2 payment from XXXX, so now I have to call on XX/XX/2018 to confirm that they received the 2 payments from XXXX
Equifax deleted 3 collection accounts, then reinserted the accounts without my knowledge. Per FCRA, they must notify the Consumer 5 days prior before reinserting the collections. I was never notified therefore they are in violation. These 3 collections were closed and reinserted on the same day, XXXX/XXXX/2017. I disputed the accuracy of these accounts and they were removed, they should not have been reinserted back to my report. In the attachment below these are the exact same 3 accounts being removed and added back WITHOUT prior notification.
I had switched banks about a month prior, and when I went to go close the account or the day before I was going to close the account I received emails that I didnt have enough funds to cover whatever had tried to post, And I am mediately called the bank up to see what was going on and it turns out to credit card companies even though I change the auto pay on my account with them with the new banking information they somehow managed to still try and take it from the old accounts but thats another story. 

So I contacted Huntington, I went through this whole story and theyre only willing to waive a couple of the fees which I call XXXX  because I just want to close the XXXX account I have no problems paying what is owed on anything that they paid but I want the fees back this is ridiculous I didnt maliciously intend to do this, in which is a big load of XXXX on top of with their so-called 24 hour grace they didnt even give me a chance to do that, And I have repeatedly change the information with all creditors make sure none of this happens and now theyre trying to say that something tried to post again they charge me three more overdraft fees they agreed that they would refund some fees if I paid what was owed on what tried to post but now theyre trying to XXXX me by adding more fees and I will give them whatever they paid out Im not giving them like {$300.00} in overdraft fees they can go pound salt because thats ridiculous
I received a letter from secretary of state regarding notice/order of suspension. I attempted to call the collection agency for XXXX XXXX XXXX. However, I requested a print out of all tickets ( debts ). I was informed they could n't provide this information to me. Also, the collection stated '' that my driver license had been suspended and full payment was need :. At this time, I asked for her name and informed her that my license was not suspensed and I never received any information regarding the debt owed. XXXX, stated that she found that hard to believe. I asked to speak with her manager. I spoke with her manager regarding the incorrect information I received and the way I was treated. I questions why did tiffany give me false information and why I never received copies of this debt. XXXX, the manger stated that they reached out and sent me XXXX letters which she is stating its being returned back to them. I find that hard to believe when I receive all other mail. Please help me because I do n't have {$2800.00} and is willing to make payment arrangements as long as they can provide proof.
Overcharged financing. After XXXX minutes on the phone with a rep who barely spoke English she could not give me a reason why I was charged 24.75 financing on a card account with a {$25.00} balance. One purchase of {$25.00} with a financing rate of 19.9 % should n't accumulate a {$24.00} financing. The reason she kept giving me was its a " Daily Variable Rate ''. So I paid it ( {$49.00} XXXX just so I can find a new credit card company and not have to deal with them.
Barclay Bank reports account XXXX as derrogatory/delinquent on my credit report. I have sent a request on XX/XX/2016 and XX/XX/2016 requesting validation of debt, otherwise, Barclays must remove the reports from all XXXX credit bureaus. Barclays received my certified letters on XX/XX/2016 and XX/XX/2016. On both occasions Barclays was unable to validate my debt, however noted on my credit reports as " disputed '' or " consumer disagrees '' but it never provided evidence ( validation of debt ) of the debt belonging to me. A letter indicating they are researching or a computer print of credit card bills is NOT validation of debt. A validation of debt must bear my signature of said contract. Barclays failed to so in a timely matter. I have requested numerous times to remove the invalid information on my credit reports but Barclays have neglected to do so.