WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from XXXX Equifax, and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.
On  XXXX   XXXX ,2017 I applied for a credit card in   XXXX   branch the lady pull my credit report and even showed me my score.   Later I got alerts about inquiries on my Transunion report.   Upon logging in there was  XXXX  inquiries from  XXXX  on  XXXX   XXXX ,2017 within minutes.   I called Transunion and explained them that I saw the  XXXX  employee pull my credit once and that why would they need  XXXX  duplicate reports on the same day.   Transunion representative said there was nothing he could do to call  XXXX  so they could request to delete the inquiries.   I then call  XXXX  that explained to me they only have record of  XXXX  credit inquire under my name so there is no way they could ask Transunion to remove the other  XXXX  that do n't exist on their system.   They also explained to me that sometimes Transunion has glitches were duplicate inquiries.
XXXX visit on XX/XX/2016. I filled out their forms and I qualified for their XXXX program '. Vet took my XXXX to examin him and staff person came in and said it would be around {$49.00} for the visit. Vet came back and said they would draw blood. Vet said my XXXX would need medicine and I gave them my pharmacist 's phone number. Went to desk to check out. That 's when the desk person informed me that my bill was {$130.00}. I asked why when the first person said it would be only $ XXXX, desk person told me blood draw was extra. I told that I did n't have that much in my bank account to pay. Staff person suggested that I take out their credit card. I started to fill out the forms and that 's when I was informed that to qualify for the credit card, the company required an additional {$160.00} fee for a total of {$300.00} be charged on the card. I was shocked and upset, but not much I could do. So they put a charge through for the {$130.00}, plus the additional {$160.00} XXXX for 'no services rendered, ' as far as I was concerned ). I went home and started thinking about the " forcing me to charge an additional amount. '' On XX/XX/2016 I got so upset with what I feel is a scam, I transferred money from my savings to my checking and had the bank send in a check for {$130.00} electronic date arrived XX/XX/2016 for vet services rendered directly to XXXX. The first part of XX/XX/2016, I received the CareCredit card with flyers inserted. I tore up the credit card. I then received a statement from CareCredit for a bill of {$220.00} {$27.00} for late payment charges. I wrote on the bill and returned it stating that the veterinary bill had been paid directly to XXXX XXXX XXXX and that they knew that I had paid it all up. Lately, I have been receiving phone calls from them XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX, since then daily XXXX calls per day. I have ignored them all. I am still upset about forcing me to charge the {$160.00} for absolutely no services rendered and now all the harassing phone calls. I would like to see that the XXXX XXXX XXXX stop this type of 'scam ' of forcing patients to charge these 'fake fees. ' I definitely want Synchrony Bank/CareCredit companies to remove the $ XXXX {$27.00} late charges and stop contacting me in any way shape or form.
Sears Mastercard Billing Dispute and Fraud XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Citi Bank Billing Disputes Mastercard : XXXX  _____________________________________________________________________ Sears is giving me the run around and I should have to go through this. I have sent over thirty pages by fax 4 times to their billing dispute department and every time I call, it highly appears they are lost or can not find any of the documents I sent to them about the merchant that deceived me for several months by theft by deception with false impressions for him to obtain a very large financial benefit from my credit card. By this merchants misconduct he knew my XXXX child needed XXXX XXXX XXXX XXXXs and the merchant withheld that information from the family court since XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> just to get money, and he left me special needs child 's life dangling by a string and he did not care if my son XXXX or live. This merchant cause harm and damaged my XXXX XXXX  child and put his life at risk causing a forced removal away from his medical treatments, rehabilitations, and specialize team of medical specialist. I had to hire another merchant lawyer to clean up this mess in a emergency, as this merchant XXXX XXXX of XXXX XXXX XXXX never appeared in court or filed a court motion ever. I found out the truth on XX/XX/XXXX when the family court clerk told me this merchant XXXX XXXX was never on any record in the Court ever. My family and I have been through so much and now Sears whats to play games and cause more unwarranted hardship, even after I sent them over 30 pages with proof. I have filed a complaint in the US Dept of Justice against this merchant for the violations he has conducted and that it other victims he did this to going back to XX/XX/XXXX when they filed lawsuits against him for the same misconduct. Please he this company fight for me and not against me to cause more damages. Because of this horrible merchant and his deception, my case went to the second highest court in the the state of new jersey called the Appellate Division of Superior Court costing me a financial lost of over {$25000.00} now and damages.
Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ). 

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXX XXXX from me. 
Credit Report showing the inaccurate information.
I have attached documents, I have requested repeatedly proof this is my debt, I believe it is not mine. I have researched and found that in this type of case when the debt is sold to a third party the debt is the sole responsibility of the primary. Knight Adjustment would not send me proof and actually sent threats of court instead. The first not being viable the second time there is a court date set for XX/XX/2018 in which I need to bring proof of all my assets. This company has violated my rights by multiple calls per day, calling my mom, giving my neighbor a court document instead of me both of these violating my right to privacy, refused to give me proof that it is my debt in which by law they are supposed to produce it within 30 days of me sending a written request. I am sending all these documents to you.
I thought I was only applying to one company when I got approved to buy the car. 

I've had CaptialOne credit cards for nearly a decade and my XXXX XXXX for 12 years before the transmission went out. At first I was happy when I learned XXXX joined with them as a lending partner. However only 3 weeks later I'm getting barraged by with hard inquiries ( 7 ) related to my purchase on  XX/XX/18. 

This also comes after I reported a screw was lodged firmly in my front-right tire of the XXXX XXXX XXXX I purchased. 

I haven't made an insurance claim. It could be coincidence after I scheduled an appointment to have the screw removed. Bottom line : Why all the sudden do I have all these inquiries? 

Reports are as follows : COAF - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 CAPTIAL ONE AUTO FINANCE - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18
The issue is with Bank of America Commercial Credit. They are intentionally causing unnecessary delays, have failed to provide clear and concise information on multiple occasions, and are withholding funds without my permission and refuse to do anything about it for an additional 50 days. This is or boarders on criminal.

I filed 2 disputes on my credit card at the end of XXXX. This prompted the merchant to work a bit harder with me to come to an legal settlement and agreement. Part of the agreement was I would cancel the dispute so the merchant would received the funds back so they could fulfill the orders. I called BofA to do so. The 1st person I spoke with told me the file was notated and everything was good to go. Nothing occurred. 1 week later or so I called back. They had no record of this. They then informed me that per mastercard rules they could notate the file BUT nothing would happen for 60 days. The quickest way to resolve the outstanding dispute would be to have the merchant and their payment processor to file all the requested paperwork. I was told by a supervisor on a recorded line that once Bofa received the paperwork on the dispute they would not fight it and simply send them back the money. After weeks of going back and forth and then waiting for BofA to do its job they told us the return of the claim was approved BUT they were going to hold the money for 50 days. Nothing in mastercards agreement or within my credit card agreement allow them to do this. I called and spoke with a supervisor- they had no clue that the claim was approved ( I have documentation ) and they denied the fact that they would hold funds for 50 days ( again we have an email stating such ). BofA commercial claims division is clearly incompetent. I am now in violation of my settlement with the merchant and everything that should have been wrapped up by now has yet to begin because of the intentional and irresponsible delays by BofA. I have filed complaints with them and they do nothing. Please assist in getting the money back to the merchant as was requested over a month ago.
have a non profit pnc bank account for years. not used it since XXXX-2016 went to atm yesterday for deposit. account deactivated by bank received no notice. also find out that during that time service fees were charged to it. I was not made aware it was subject to these fees. they were taken. a total of XXXX dollars and change. its bad enough to have account deactivated with no notice regardless of their rules its another thing to receive no disclosures as a result and get fees taken out. bottom line if they charge fees I will need to go elsewhere for now I have a big grant coming in and will despoit elsewhere. please see to it I am refunded these service fees and account is reactivated. NOT my fault. would never think bank would do it with no notice. also if no waiver can be applied then I will be moving on.
This complaint is about PayPal Credit. PayPal Credit offers promotional financing for certain purchases where interest is not assessed on the purchase if the balance is paid off within a XXXX promotional period. I was attracted by that promotion and paid for XXXX items with PayPal Credit. Both purchases were from XXXX XXXX. The promotional XXXX period expired XXXX XXXX, 2015. PayPal website states that payments may be made for same-day credit until XXXX XXXX on the due date. 

On XXXX XXXX at XXXX XXXX XXXX I tried over a dozen times to log in to pay the remaining balance before the promotional period ended, but the website froze each and every time. When I called customer service to pay the remaining balance, I found out that it closed at XXXX XXXX. 

I tried again to make the payment at XXXX XXXX through the website and finally succeeded in paying the balance due of {$1700.00}. At XXXX, I was finally able to reach customer service. They confirmed that the payment made at XXXX was received, did not know why the website was not working several hours prior, but said they would not waive the interest charges that now applied since the promotional period ended at midnight. 

PayPal 's website made a representation that same-day payments would be accepted until XXXX, but since the website was not working, effectively gave me no opportunity to make that payment since the customer service phone line was closed. I made the payment required under the promotion in full as soon as the website was operational, having to wake up in the middle of the night to do so. 

I was effectively precluded from making an ontime payment by a dysfunctional website and a closed customer service phone line. It 's deceptive to advertise a payment cut-off time, close the customer service phone line, effectively not provide the customer with the opportunity to pay, and then insist on penalizing the customer for PayPal 's own failures to provide the opportunity to pay. 

The promotional interest charges that should be waived total {$340.00}.
I have disputed multiple  XXXX   XXXX  accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
I was denied extended repayment option based on incorrect information. My loans were disbursed between XXXX through XXXX. Nelnet claimed wrongly in their communication to me that my loan was awarded prior to XXXX.
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said.
There are items on my credit report that do not belong to me and Equifax is n't responding to my requests to investigate and remove them from my report.
On XX/XX/XXXX, I called XXXX XXXX XXXX of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name. 

I was put in touch with a XXXX XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due. 

When I presented this information to XXXX XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges. 

I pointed out to XXXX XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to XXXX XXXX XXXX after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. XXXX XXXX XXXX has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX XXXX. 

XXXX XXXX then vacillated between claims that these interest charges were imposed by XXXX XXXX XXXX and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX XXXX again grew angry and demanded that I pay the requested amount immediately. 

It is clear to me, based on the very short length of time XXXX XXXX XXXX has serviced this debt and the significant discrepancy between XXXX . XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts. 

XXXX XXXX XXXX is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.
An inquiry appears on my XXXX Credit Report that I did not authorize. XXXX XXXX XXXX refused to remove the inquiry on XXXX-2019.
Cavalry Portfolio Services is suing me for non payment of a XXXX XXXX XXXX Credit Card they claim they purchased as a charge-off in 2009. I have never had a charge off from XXXX XXXX XXXX. My credit reports show that both my XXXX accounts were closed by me and paid in full. The alleged charge-off would make this debt fall outside the statute of limitations in the state of TN. I feel I am being sued in hopes that I do n't present a defense, resulting in a judgement against me.
My name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX name is XXXX XXXX. My date of birth is XX/XX/XXXX, my social security no. is XXXX and I live at XXXX XXXX XXXX XXXX, XXXX. 
My issue is simple. I have never missed or been behind on any payments, absolutely none. Previous to the following my credit score was around XXXX. My grandson, XXXX XXXX, forged my name to a loan at XXXX in XXXX, Ga. The loan number is XXXX with a balance of {$7100.00}. In the presence of my son-in -law the bank President, XXXX XXXX and the Senior Lender XXXX XXXX went thru XXXX promissory notes ostensibly in my name but all three people agreed that my name was forged, absolutely without any question or doubt. After an attempt to clear this up XXXX XXXX XXXX ( a XXXX Bank afffiliate ) did not deny the forgery but instead told me before they would clear this up I would have to file a warrant to the local police department which would likely result in my grandson being sent to prison. I can not do that. 
I am now XXXX years old and my history reflects my true credit standing. It is as clear as a bell. 
Please help me with this. XXXX XXXX XXXX
Had an error on my Transunion and XXXX reports, XXXX XXXX XXXX and their collection agency XXXX XXXX, ( XXXX has since been removed from XXXX   but XXXX XXXX XXXX remains ) this account was paid in FULL, however Transunion verified it all 4 times I disputed it as did XXXX, so I show Transunion AND XXXX my bank statement showing PAID, they said " the statement is too old '' well the debt was from back then so OF COURSE the bank statement must be from back when the debt was created / paid right? 

Also if they can not accept anything so " old '' how can they accept this companies " verification ''? that must be just as old right? this just smells like fraud to me.
My mortgage was recently transferred to Nationstar Mortgage. I received an email stating a welcome packet with my loan details would arrive soon. After my mortgage due date came and went I had to call them for a welcome packet. It arrived 10 days after my due date. Around that time I received multiple calls each day from them. I returned the call and they explained it was an attempt to collect the first payment with them. Two days later after more phone calls I attempt to make my payment with check by phone. The first attempt was met with our offices are closed and being disconnected. The second attempt was better but was told it would cost me money to make my payment. I agreed and while entering my account information I heard the same message about them being closed with a disconnect. I do not want to do an auto draft on my account and prefer paper checks or check by phone. If the system wont accept payment even after I agree to pay a fee then it makes a simple process difficult.
I HAVE ASKED XXXX VARIOUS TIMES TO SEND ME THE FALLOWING 1. A copy of a Liability Agreement bearing my signature along with proof of  identification presented at the time of the visit. 
2. Verification the claim was submitted to my insurer within the allotted timely filing period. 
3. The Explanation of Benefits received from my insurer in response to the claim verifying my responsibility for the amount billed. 
4. Documentation verifying the amount owed has been deemed Patient Liability. I trust that you are aware that it is both, unlawful and unethical, to bill me for any amount of money your office is liable for. 
5. Any proof that you may have that it was communicated to me that payment was expected before services were rendered I trust that you are aware you can not report this as a collection unless credit was extended to me. Credit is extended if your office regularly requires payment before rendering services and make patients aware that through receiving care on credit they would later be responsible for the unpaid amount. 
AS PER ( FCRA 623 ). 

HOW EVER THEY SENT A PHOTO COPY OF MY SUPPOSED BILL ANS SERVICES WHICH VIOLATING HIPPA IO DEMAND THAT THEY STOP  COLLECTING BOGUS AMOUNTS AND REMOVE THIS INACCURATE INFORMATION IMMEDIATELY.