WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed these accounts several times. The accounts have been deleted for years and placed back on my report. Here is a listing of the following accounts : XXXX - I have never been late for these accounts ; the accounts were drafted from my account XXXX- Because I was out of work, the insurance that I paid for covered my payments on this account. I filed a claim and had to wait for the claim to process. The company manager and XXXX XXXX Insurance Company Informed this company of the process. I was still charged late fees. 
XXXX XXXX XXXX XXXX -- My car was totaled because of his accident. My insurance company, XXXX XXXX paid XXXX XXXX XXXX XXXX the money owed and the title was provided XXXX. 
XXXX XXXX Account was opened fraudulently. I am not aware of this account number. 
Bank XXXX The account was removed and placed back on my credit report. This account was opened fraudulently. A letter was provided to all credit reporting agencies and I am still fighting for the account to be removed from TransUnion. 
In the State of South Carolina, there is a State of Limitations. The credit reporting agencies are not following the statute of limitation law set forth in this state.
I opened a business checking account with Chase on XX/XX/XXXX and it was closed by chase on XX/XX/XXXX, without any reason as to why ; only told " they could not maintain my account '' They have no problem issuing me a credit card for the business and personal. I am just looking for the reason that caused them to shut down my account ; and whether it is warranted or something I can clarify.
The banking institute called Nationstar ( mr cooper ) has placed a bankruptcy on my credit report, that reports to banking institutions that offer government assistance. They have destroyed my life and cause me to suffer and have my child taken out of school because of the DESTROYED credit they created. I reported this for over 7 months, over and over again and now today
The money transfer agency gave me a rate and the amount that would be paid when the money is received in XXXX. It is less than the amount thats on the receipt I have. This is not the first time that this has happened. A few months back, when it happened the first time, I contacted the agency offices here in XXXX and filed a complaint. Ive contacted them again several times this time, but they havent resolved the problem.
Prerecorded messages that do not state who is calling. 
Prerecorded messages asking for people I do not know Prerecorded messages stating legal action will be taken if I do not call them back. 
When I do call them back they make threats of jail etc, If I do not pay the debt of these people they keep calling for. 

Hang up calls from XXXX, spoofed caller ID numbers as early as XXXX until as late as XXXX. Yes I do have a police report number and some of the calls have been traced by XXXX. 

When we get XXXX illegally run ( illegally due to not following governing laws ) 3rd party old debt collector to stop harassing us about these people whom again we do n't know another one starts calling. 
the process starts all over again as if these unscrupulous debt collectors are working together to harass people. 

The phone number receiving the call is XXXX ... 
The latest calls have been from XXXX. 

XXXX The ROI Companies ( Headquarters ) Phone : ( XXXX XXXX
I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, XXXX and Experian credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.
This is in addition to the dispute date XXXX/XXXX/2016. After reviewing all the attached documents that were sent over from BSI I realize even more how vindictive these people are. Half of the documents from XXXX XXXX XXXX were never received by us. Any time we were asked for more information/documents, it was faxed within in 24 hours. Also, the statement about not making the trial payments was because of filing a chapter XXXX which halted the whole process causing us to have to re file for modification. As ive said before. These people lie and hold back important information to make what their doing look ok. So glad someone has finally started a class action law suit against this company.
Complaint against Suntrust Bank. Suntrust Bank did not file the deed to take possession of property - XXXX XXXX XXXX, XXXX, GA XXXX - for 18 months after it was surrended to them via bankruptcy. Filing the foreclosure deed 18 months later has denied me the ability to refinance into a more favorable mortgage on my home. Suntrust chose NOT to file the deed to AVOID THE COSTS associated with ownership of the property. While I reorganized my life and put myself on a firm foundation, I am being penalized by Suntrust not following through on the court order to take possession of the property and file the deed in their name. Please look into this and advise if there is an avenue to remedy this situation. FHA in its loan approval guidelines goes off the deed transfer date and not the date of the bakruptcy discharge. Please call me if you have any questions. 

XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX XXXXThank you
I purchased furniture from USA Living in XXXX on XX/XX/2015. The purchase price was about {$4300.00}. They also added on a warranty and something called debt cancellation program totaling over {$1500.00}. No one explained what the warranty was for or what the debt cancelation was or why I needed it. Neither of these charges were explained in the contract to me. I was XXXX when I signed this contract. I have recently found myself being overwhelmed with debt. They have been calling me 2 to 3 times a day hounding me and harassing me for my late payments. They threatened to contact my chain of command. I finally met with an XXXX Personal Financial Counselor and I asked them to stop contacting me by phone.
A place called Capital Management Services continues to call my number looking for a completely different person ( a woman by the name of XXXX, yet I am a man who knows no XXXX ). I have had my number for almost two decades now so clearly there is a mistake. I have asked them repeatedly to take my number off my list as I have nothing to do with this issue, yet they continue to harass me. The last person I spoke to was XXXX XXXX, and her supervisor is XXXX XXXX. Please make them take me off their list. Thank you.
Navient is the servicing provider for my loan charged me for a loan that was paid off for over a year. When I submitted a payment in XXXX 2016 to clear XXXX sub-loans, Navient charge me over {$200.00} dollars on a loan that was already paid off, and tacked on late fees to my payment. I have been paying them off religiously trying to get them out of my life, but they have pulled this stunt an although they say that they have rectified it I do not trust that my account is in order. They have done this before with my account I was of the ones who received a settlement from the last mass lawsuit concerning XXXX XXXX/Navient, and would not be surprised if they have scammed me out of more money again. I have their statements that was sent to me proving that my loan was paid in full, and the statement far after the full payment status where they tried to recharge me on that loan. Every payment, every statement I have. Please help me.
I applied to refinance my mortgage on  XXXX   XXXX . I locked a rate with Guaranteed Rate.  XXXX   XXXX  from  Hometown Lending Partners  was one of the last to respond that day. I told   XXXX  I  was set with who I was going with, because I assumed he could n't beat what I had, since everyone came in around the same rate.    XXXX  sent me a rate that was lower. I told  XXXX  that I definitely would like to go with him then.  XXXX  and I had been in contact over the next few weeks.   I had locked with Guaranteed Rate, so before I gave up that lock, I wanted  XXXX  to provide the loan estimate. He sent me an estimate under terms that I would 've agreed to. I told Guaranteed Rate that I was going with  XXXX , so they said they 'd release the lock. I was in constant contact with  XXXX  and sending him my financial documents.  XXXX  never said he needed everything to lock the rate. Guaranteed Rate did n't require all my documents to lock. As I got the last of my documents in,  XXXX  sends me the papers to sign. He does n't bother to call or email to mention that if I sign them, I 'll need {$12000.00} as a down payment. The original terms had a very small down payment less than {$500.00}.   I asked  XXXX  why he did n't lock my rate and he acted like he did n't know that was an option. I asked  XXXX  for his  manager  's info. I spoke with his manager  XXXX   XXXX  and he basically said they need something from me to lock, and he acted like locking a rate was rarely done, and said that rates went up, so there 's nothing they can do.   They sent a fake estimate, lied and acted in bad faith.
Thank you for your investigation response. Can you please send me : ( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 

Please see attached
I had a check bounce due to insufficient funds. I was charged an overdraft charge of {$36.00}. I was unable to pay the {$36.00} so they started charging me {$7.00} everyday after that. On XXXX XXXX I spoke with someone from the bank and they waived {$98.00} in fees which put the negative balance down to {$130.00}. He told me to pay what I could and to get it paid up as soon as I could so that the account can be closed. On XXXX XXXX I pay {$14.00} to bring the negative balance down to {$120.00}. Since that time I have received several calls from PNC bank and I have told them that I will pay {$60.00} on XXXX XXXX and will keep paying on the balance until it is a positive balance. Today on XXXX XXXX I have noticed that they have started to charge me the {$7.00} each day. How is XXXX supposed to pay this off when they keep doing this. I am on a fixed income and doing the best that I can to get this paid. Why ca n't they just let me pay this off and stop charging me more fees. I know that it has been over a month but I am doing the best that I can do. Please help! I have filed a complain previous to this and I thought the issue was resolved. I am reopening the case back up again.
Several different agents call harassing me on my job at home, I advised them to contact my attorney. the company went bankrupt and SOLD the DEBT to portfolio recovery services which is a collection agency. the law states a company ca n't go bankrupt then sell the loan to a such company .I 've contacted them several times to remove theses items from my credit report. I have n't any success at all. so I 'm requesting your swift attention.
I 'll begin by saying this is n't a duplicate complaint to any other complaints I may have had in the past. I ask that you do n't claim this complaint as a duplicate from any older complaints because it 's not. 

Due to health issues I tried my best to settle this with Capital One but I was given the run around and clearly lied to more than once. I 'll begin by saying Capital One put me on some XXXX XXXX XXXX of theirs without my consent. The program consists of the customer making XXXX on time payments to their accounts of the minimum payment due in which I 've made more than XXXX payments and I 've paid much more than the minimum with each payment I 've made since XX/XX/XXXX which is also when Capital One put me on their XXXX without me knowing. I was told when I make the last payment my credit limit would be increased to {$1000.00}. As I 've stated I 've made more than XXXX payments already yet Capital One has refused to increase my credit limit to the {$1000.00} credit line and it 's not right which makes me further consider not doing business with Capital One any longer because I have health issues and I do n't need any stress from a company about something they promised me. On Tuesday XXXX I spoke to a Supervisor. He tells me my credit limit wo n't be increased until XX/XX/XXXX. I told him that 's not right I have to wait until XXXX XXXX when I 've made XXXX payments already. I also have proof regarding the higher credit limit offered by Capital One which I 'll include with my complaint. 

I have medication that I pay for monthly that I intended to use my card for when the increase was done but now there is a chance I have to wait until XX/XX/XXXX just to pay for my medication and I should n't have to wait that long. Capital One is the one that put me in their XXXX XXXX program because I 've never heard of it until I called yet now they wo n't Honor what they offered. Rather they are able to just add you to any of their programs or not they should send customers something a letter, by mail, or by email because it 's no way they can say they ca n't contact any of their customers to at least let them know what is going on when anything is done with their accounts.
Everyday since XX/XX/XXXX Portfolio Recovery continues to harass me. The originally contacted me back in XX/XX/XXXX about a credit card issue from a store card issued by XXXX XXXX. I had had issues with the card issuer as I closed all my cards that were with that bank. In the shuffle of paying off all 3 between XX/XX/XXXXand XX/XX/XXXX they didn't apply payments correctly, one was a settlement that i had to fight them to honor because they were still stating that money was owed and it wasn't, one card was paid in full per the terms and then the express credit card debt which Portfolio Bought is not the correct amount. when I was initially contacted I explained that the amount was Not the correct amount that I needed more information from them regarding this debt, when they purchased it, and to notify me in writing the gentleman that i informed of this was extremely rude, very threatening telling me that i had to make the payment now or i would end up in jail and was very vulgar with the language.. I never received anything from them and the calls stopped after I mailed the letter around XX/XX/XXXX. Then they started up again in XX/XX/XXXX, I spoke with a lady, and explained that i never received the information that I requested regarding the amount and validity of the debt, and she kept pressuring me to give her my account information so they could take the payment and be done with it. I had explained I was out on a medical from work at the time and they were having me file for XXXX. Then she started harassing me with well if i wasn't working how was I surviving ( food stamps and my company was still providing my medical coverage and i had family helping with my XXXX XXXX XXXX childrens medications and their child support was providing for their schooling and clothing and supplies ). She kept battering me on well i should have something to give them over the phone right there. Kind of hard when you have XXXX cents in your checking account and still waiting for XXXX. I informed her one more time that I was filing for XXXX, I had no funds and I never received the paperwork I had requested in XX/XX/XXXXregarding proof of the validity of the amount. Calls stopped up until XX/XX/XXXX. Since then they are calling everyday 4-20 times a day on my landline and my cell phone, as well as harassing family members and have even continually contacted my former employer even though i'm no longer there, and they are spoofing numbers. They are calling from over 40 different numbers and only 1 number will come up Portfolio recovery on the caller ID but they are using other companies like plumbers, medical labs, local numbers and when you call back your connected to the actual business and not Portfolio. This has to stop. I'm still waiting on XXXX, trying to make sure my kids have food and their medications as well as my medications and the anxiety of these constant phone calls because they aren't following the law is making me sicker. I see they have been reprimanded on a few occasions for the same tactics that they still are continuing to use.
Nelson & Kennard are attempting to collect a XX/XX/XXXX judgment that was discharged in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.
This account was paid in full and I was told they would remove it from my credit report but that has not happened yet
Dynamic Recovery Solutions is 1 of 4 other companies trying to collect a debt not owed, It isn't mine and I have requested documentation from them and still haven't received anything from original collector from Dynamic with my ID or signature. I have sent the Letter showing XXXX balance owed to XXXX sent to XXXX XXXX which is one of the other companies trying to collect this debt. I do not owe anything and the original collect has  closed and placed a XXXX balance to the account. I want this closed from Dynamic and their partner XXXX XXXX XXXX XXXX XXXX. XXXX was the original collector and I have attched a XXXX  balance letter from them.
Disputed account that they verified FCRA states that thus debt must be verified with original signed contracts XXXX XXXX acct. # XXXX
This debit collector is in violation of Hipaa Act of 1996, by sharing detail information of a medical procedure. Facing fines up to a {$1000.00}, payable to me. Even possible jail time. I contacted them for the last time XX/XX/2018. I asked them to remove and they refused. I have forwarded all necessary documention to support this claim.
When checking my annual credit report ( for the first time ) I seen 2 collections on my report for services I did not authorize. 
I filed a complaint with XXXX  regarding the following : Report Number : XXXX Date Generated Results : XX/XX/XXXX I C SYSTEM INC Account XXXX Many years ago I had my identity used by a former roommate. After I had moved out of an apartment we were sharing, I found out later, he had put the utilities and cable in my name. 

How I believe he took my information was we had went to the movies and after the show, I couldn't find my wallet. I thought someone pick-pocketed me, and stole it. I didn't have any credit cards ( I was just out of college ) or even a checking account, so I wasn't concerned at the time. 

Move forward months later, HIS dog, a golden retriever, was playing with something chewed up, and when I pulled it from her mouth, it was MY wallet. So I confronted my roommate, and he denied ever seeing it and accused ME of misplacing it. I brought up that I had paid for the movies that night the wallet came up missing with money from MY wallet, and how would I be of possession of something we both clearly looked for and alerted the movie manager. 

Needless to say, I moved and relocated closer to my family here in XXXX. 

Now that I found that he put the two accounts in my name, and left them in a delinquent status, I am once again being used by my former roommate. 

I tried to remove both these accounts, and the one listed above is the first one back with a [ denial ] response. 

Also what amplifies this matter is that the company above, in lieu of using the initial dates as previously reported, they moved the date of negative payment to THIS year. Is that legal? I'm sure if I didn't make an attempt to remove this, the charge would have fallen off soon, because I haven't lived in XXXX XXXX XXXX, Florida since XX/XX/XXXX. 

What, if anything, can you do to help me with this situation? 

Please advise. 
XXXX
In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was datedXX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone onXX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.
There are a handful of hard inquiries from a company called XXXX ( credit union ) I did not authorize these inquiries and need them removed
In XXXX XXXX my account was accessed ( not by me ) and my report was run. I asked equifax to provide the IP address that was used to access my account. I called and made this request in XXXX XXXX. I was told to call back every couple of weeks to check status. On XXXX XXXX I called and was told that the company found no fraud and that an IP address could not be provided without a subpoena. I asked for this in writing and was refused. I fail to understand how or why an IP address for a log into my secured account requires a costly subpoena. Terrible service. Additionally, agent hung up because I told him the service XXXX. Also, if you call and follow prompts to close your paid service you are locked out to a fast busy from the VRU. I asked the agent named XXXX for the name of the regulatory body that I would contact to file w complaint. He gave me the XXXX information. I informed him that they were a consumer advocate but not a regulator and he told me that is all he could provide. Misinformation and lies.