WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX / XXXX /  XXXX   between  XXXX    XXXX   XXXX   XXXX   XXXX  , I was told by a female   XXXX    sales associate who identified herself as  XXXX  that an item she located and provided to me at the   XXXX   store in  XXXX   XXXX  was on sale for 20 % off the discount price. After waiting in a short line and upon mentioning the 20 % discount to a young   XXXX   woman working at the register, the young  XXXX  woman told me that I would receive an additional 10 % off if I opened up a GAP credit card account and the total discount would be 30 % ( it actually was n't 30 % but rather 28 % since the price was first reduced by 10 % and then subsequently reduced by 20 % ). While I was distinctly told that I would receive an additional 10 % off discount by enrolling for a GAP card and the item was on sale for 20 % off, the receipt states that the item discount is 10 % and the discount for GAP card enrollment is 20 %. Given the verbally quoted discounts by both GAP employees do not match the actual discounts as reflected on the receipt, it appears that I was fraudulently induced to open a credit card I  may not  have otherwise opened had I been told what was correct or accurate ( I typically would not open a credit card for a 10 % or 20 % transaction discount for a small transaction ( i.e., less than {$19.00} ) ). As far as the actual price of the item is concerned, any mix-up or mistake does n't matter as the price would be the same if the item was first reduced by 20 % and then subsequently reduced by 10 %. That said, the verbal misrepresentations that induced me to open a credit card do matter as I most likely would not have opened the credit card account had I been told the truth.
I signed up for a mortgage with PNC. They provided an acceptance letter. Days before the closing they called me and told me that I no longer qualified for a 30 year mortgage due to " debt to income ratio '' which had not changed since the initial approval. They told me that I now only qualified for a 7 year ARM mortgage ONLY. This information was broken to me days before closing. I had no way at that point of obtaining a new mortgage within a few days. I was so scared that I would lose my deposit that I was essentially forced into accepting the terms. Now, with the rate changing I stand to potentially have to pay much more money in interest when I am forced to refinance in 7 years.
I tried to dispute this error with XXXX and Equifax but they keep shutting my down online with statements about getting a credit report but they wo n't issue it online. The problem lies with the credit reporting agencies ( CRAs ) allowing a junk debt buyer to report accounts under the regular account column versus in the collection account column. There have been numerous complaints about the CRAs and XXXX XXXX XXXX doing this. I just checked my report that I obtained from another source and They are still reporting as a factoring company instead of a junk debt buyer. This has taken a tremendous hit on my credit scores by them reporting this way and I have been denied credit opportunities as a result. The CRAs will not stop them and do not thouroughly investigate the problem.
- On Saturday XXXX/XXXX/XXXX My husband got a call on his cell phone. A " courier '' called from a private # and told him that an attorney firm has been trying to serve him twice at our current address & a previous address. He told my husband to call ( XXXX ) XXXX, gave him a case # : XXXX and said to ask for XXXX XXXX . Since it was n't a good time, my husband did not call. The courier called another 2 times. I picked up the phone the 3rd time. He asked me if I was his spouse. I said I was his spouse. He said that I was able to call since I was his legal spouse and that the call was extremely urgent. I asked him if he was forcing us to call. He said " No '', but XXXX XXXX was waiting for My husband or his spouse ( me ). I called ( XXXX ) XXXX five days later on XXXX/XXXX/XXXX, gave my case # XXXX and they put me through to XXXX XXXX prior to speaking with XXXX XXXX the receptionist told me he was a collections agent in the litigation dept ). - XXXX XXXX told me that he is an attorney and this call was regarding a Bank of America credit card opened in XX/XX/XXXX, closed in XX/XX/XXXX & the Statute of limitations is XXXX/XXXX/XXXX. The card was in my husbands name and the balance is {$9700.00}. He also told me I had XXXX day to pay this amount and since I am XXXX 's spouse and we live in the State of XXXX, I am equally responsible. Now, my husband never had a Bank of America credit card in XX/XX/XXXX under his name. I, however, had one but the card numbers XXXX gave me did not match at all. I told XXXX the state of XXXX does not make a spouse pay for a credit card that belongs to his or her spouse and we were not married in XX/XX/XXXX. He yelled at me and told me to Google it. ( It 's just not true, I know that for a fact ). I told him all the information is inaccurate. He got agitated, yelled " I will see you in court '' and hung up. I called back to tell him that if he listened to me he would know that I was awarded a Ch XXXX bankruptcy. He put me on hold for XXXX mins. I called back and told him that I need his fax number and I told him that he was a scammer. He told me to " XXXX '' and hung up. I googled XXXX XXXX attorney in CA. He seems to be the same scammer called from a previous number of XXXX ( that # is now disconnected ), claiming to be from another Company, XXXX XXXX XXXX in XXXX, XXXX. I also googled " ( XXXX ) XXXX ''. There are many complaints about XXXX XXXX attempting to collect old credit card dept with inaccurate information and people fall for it & pay them money.
I have an account with Consumer Portfolio that has been paid since XXXX.2013. The company agreed to remove this account upon me paying it and it still has n't been removed. I would like this account removed it is closed and paid.
Portfolio Recovery services, reports in accurate reporting dates and amounts. The date of the initial collection was XX/XX/XXXX-XX/XX/XXXX and is around {$200.00} dollars. I paid several times on the account and it has an inflated rate of almost {$360.00} dollars and an opened date of XX/XX/XXXX. This account is 7 years old or pretty dang close. The account number is XXXX
Past few months : Have incresingly been flagged by multiple parties to provide more ID such as XXXX and SSN card where before I had no such requirements XX/XX/XXXX Went on XXXX to get free credit report. When prompted with security question by Experian involving past loans, was asked about an auto-loan in XX/XX/XXXX, which I do not have. 

Could not complete process for experian credit report, subsequent requests error out. I assume account was locked from free report Tried to go on experian website and create account, says they have a problem with my identity ( if there is a fraudulent car loan, of course home address was changed by criminal ). 

Uploading docs to their website is terrible, and they keep requesting I jump through more and more hoops. 

Tried to call provided number, system is entirely automated and kicks me off if I ask for 'operator ' or 'manager ' or 'live person '. Again system says it can't verify who I am when prompted for home address ( again because the fraudulent loan probably caused that record to be updated in Experian 's system ). 

I want access to my credit report and I want Experian to expunge the bad loan data from their system. I then need to trace down the bank involved and get my name off it as well.
XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time XXXX XXXX XXXX and I have been unable to come up with an agreement on the account. 

Respectfully, XXXX XXXX XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX- Asset Recover Solutions declined to accept my offer 2- XX/XX/XXXX, I  spoke with Asset Recovery Solutions and XXXX XXXX @ ext XXXX XXXX Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}.
I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX
I have been trying to delete this 2 past due payment, i started the automatic payment and they did not withdraw the money from my account on time then when they contacted me i pay the 2 month a delete the automatic payment to avoid mistakes like this one.
I filed a dispute with XXXX ( mailed ), XXXX ( mailed ), & Equifax ( online dispute & supporting documents were uploaded ) regarding XXXX , XXXX inaccurately reporting an OPEN collections account with a {$740.00} past due balance. The account should reflect " CLOSED, Paid collection, Zero dollar balance ''. Documentation included with my dispute : A copy of the carbon papers from my check book for XXXX checks totaling {$740.00} for the same account # they are reporting. I also included print out pages, for both checks, from my Bank Account Details page which verified the Original creditor XXXX ( XXXX XXXX Bank ) accepted Payment In Full when they cashed both checks totaling {$740.00}, for the same account number XXXX , XXXX is reporting as past due {$740.00}. 

As a result of my disputes, a comment was added to my credit file that I dispute the account but the account status was not corrected to reflect " CLOSED, Paid collection, Zero dollar balance ''. XXXX , XXXX is still falsely reporting an Open Collections account with a {$740.00} past due balance. XXXX, XXXX, & Equifax received the same aforementioned supporting documentation that I am uploading with this complaint along with a copy of my disputes with each Credit Reporting Agency. 

As a resolution, I am requesting either XXXX XXXX XXXX correctly report the account as " CLOSED, Paid collection, Zero dollar balance '' or DELETE the account. 

Note : XXXX XXXX XXXX Bank ( was Formerly known as " XXXX XXXX Bank - XXXX '' ) and currently reports as " XXXX ''.
On XXXX/XXXX/16, I received a call at my place of employment dispite having told the previous company never to contact me at work. The call was from a XXXX XXXX. I was not provided the FDCPA or notified that the call was being recorded. I kept it short because I was at work and in a public area. He began throwing out settlement options. I stated that I needed verification of the debt emailed to me and that I would contact him the following morning. 

On XXXX/XXXX/16, I again received a call from XXXX XXXX who did not provide FDCPA or notify me that the call was being recorded until after he discussed settlement information and I began asking questions. Further, XXXX XXXX stated that if I paid the delinquent account " would be removed from my credit ''. I do n't believe that this is a true statement - it will not be " removed '' from my credit.
On XX/XX/2018, I had called Equifax customer service number to ask about some items that are on my credit report. I was on the phone with the representatives for over an hour, they were asking me so many personal questions to verify my personal information before they speak to me about my account, they kept telling me the information that you gave us doesn't match what we have on file so therefore, they can't speak to me. I asked to be transferred to a manager, instead I was I transferred to a supervisor, I asked for his full name, he would not provide that to me, he stated that his name is XXXX and that's all he can give me. He would not speak to me about my account or answer my questions. It is unacceptable for them to keep me on the phone for over an hour and not give me any information, they kept telling me they can not speak to me because I failed to answer the verification questions even though I gave them all of the correct answers about my personal information. They are very rude and no one there was able to help me.
I have extended family in XXXX, XXXX. Currently between bombs and snipers, it is not a safe place to be. Everything is in short supply and utilities are intermittent. The banks have no money. The only way to send money is through moneygram. On XXXX XXXX I sent {$500.00} via moneygram. When my relative went to pick it up, he was told there was a computer glitch. I called moneygram and they told him to have the agent contact them. The agent then told him the money had been returned. I did not keep careful track of dates since I was not expecting a problem, but sometime after XXXX XXXX, money gram informed me that the money had been picked up on XXXX XXXX. My relative did not pick it up and since XXXX a reference number and ID are required, I ca n't see how anyone else could have picked it up. Money Gram opened an investigation. When I call I get the escalation department. No matter how I explain that they either have the money or gave it to the wrong person, and that this is a serious humanitarian crisis because the family needs money to buy food, they continue to give me the same line that they have up to XXXX days to investigate. On Monday I got someone named XXXX to say he would red flag it and call or email me back, but that has never happened. Today someone who also said his name was XXXX put me on hold for XXXX minutes to wait for XXXX, who just repeated that they have up to XXXX days to resolve it. People are going without food thanks to their error! XXXX told me XXXX that they do not have a supervisor, and then that he does not take calls. I am so frustrated! I thought Moneygram was a reputable business, but now I have lost {$500.00} and the family is still without money for food.
The company 's name is Integrated Recovery Services and they are trying to collect a debt and using and somehow getting my personal information and contacting my employer, my family members, and emailed me a letter. These people are scammers and are trying to collect a debt and pocket the money and state they are BBB accredited and they are not and that they are going to send the sheriff to my job to pick me up and/or to my place of residence.
Santander Consumer Loans listed on my credit report the account is a charge off, furthermore reporting several months of late payments. This account was made current prior to the late reporting and all attempts to have negative items removed and/or updated have failed continuously. I have uploaded the title sent from this company showing the account was paid in full and current at the time of payment.
I have a collection on my credit report from a collection agency called XXXX XXXX XXXX. I disputed the account with the credit bureaus and I was informed by XXXX to also file a complaint. XXXX stated to me, to file the complaint when I told them I have 2 collection agencies on my report who claim they are collecting for them. I was advised to file a complaint and dispute with the credit bureaus because they did not send or assign anything in my name to a collection agency. I actually have two collections on my credit reports who claim they are collecting for XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX. I am filing complaints on both companies bc they are illegally attempting to collect on debts they clearly do not own. How is it possible for 2 collection agencies to be trying to collect on the same debt?? XXXX XXXX did not assign the debts. They have yet to properly validate the debt according to the FDCRA. Please remove this bogus collection from my reports and I will not hesitate to take legal action.
Do n't know, nor have I ever applied, or signed Any application for ANY loan from  XXXX  c/o  XXXX  ... I received a email thanking me for applying for a loan, and that they were sorry that they could not provide the erroneous loan!!! This is/was unbeknowest to  me (   XXXX   XXXX   XXXX   )   .I  sent them a email letting them know that I had NOT applied for ANY loan, and that if they were reporting that to the C RA 's  that I would be filing a complaint in  XXXX   XXXX   Superior court for recklessly erroneously reporting this inquiry to the CRA 's in violation of the F.C.R.A.. I have also filed a  Identity Theft report with my local police station.
On XXXX XXXX I wrote a letter to Experian asking them to remove inaccurate information on my credit report and sent all of the required documents that they needed in order to proceed with their investigation. On XXXX XXXX, they responded by saying that my request to investigate said accounts did not appear as though it came from me, therefore they will not initiate a dispute nor any further disputes. The first time I called to dispute, they responded by saying I had to write them directly, which I did on XXXX XXXX. Now their written correspondence requests me to call them ( see attached letter ) in order for them to proceed with the dispute?? This is insane and definitely a stall tactic. I have studied credit reporting laws enough to know that they are giving me the run around and denying my my right to dispute the items on my report. This is a DIRECT violation of my consumer rights according to the Fair Credit Reporting Act and it furthermore stalls the investigation process.
In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
I have a credit freeze on my information and having been trying to get a credit freeze lift to apply for a credit card and Equifax will not allow me to do it online or through their automatic phone line. I tried writing to them to lift the freeze and they never responded so I do n't know if they lifted it or not. I need this done quickly because I am applying for a credit card and there is no telephone number to reach a live person. This is messing up my life.
I applied on-line for credit from CareCredit at a XXXX store in XXXX XXXX to cover emergency care expenses for a pet last year. The basic application required name, address, phone numbers, e-mail address, social security number, date of birth, housing info, monthly income from all sources. In addition must answer " yes '' if a joint application. 
Just below that section is a choice for statement delivery : either electronic delivery or paper statement. Up to this point all are blanks to fill in. But below the main application is an Ad for CardSecurity displayed in block form with dark background which appears not to be part of the application itself and with a heading in small print " Optional Card Security Enrollment Selection '' Below the Ad, it has XXXX options each with a small circle for selection :1. Learn more about this product and 2. I do not wish to enroll. It is very easy to miss. In other words you are automatically enrolled unless you notice and select I do not wish to enroll. That happened to me. Since it was an 18 month deferred payment agreement requiring only minimum monthly payments, and Auto pay was set up, I did not discover the accumulated charges of {$260.00} until this month, 12 months later.. We were being charged {$1.00} for every {$100.00} balance. And the auto payment was being applied to the deferred balance and not against the card security charge with an interest rate of 26 %.
Was threatened in XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005
Received a private student loan from XXXX XXXX Bank in XXXX 2006 for {$29000.00} to attend XXXX school XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, LA. The loan was promoted to me through email and the lender did not go through the school. I received a summons from XXXX Alabama XXXX XXXX Court XXXX, 2014 stating I was being sued by National Collegiate XXXX XXXX Trust claiming I owed them {$60000.00}. I challenged the claim in court representing myself. I argued that they had no proof they owned or was assigned the loan. They submitted bogus business documents and produced a witness in court from XXXX XXXX XXXX claiming they were authentic. They never produced any authentic documents that proved they were issued the loan or bought it. The judge ruled in their favor a judgment against me for approximately {$49000.00}. I ca n't afford an attorney as I have been quoted {$4000.00} and up to help defend me. Also, since National Collegiate has numerous debt collectors, XXXX of their collectors have been reporting the same debt on my credit history and has made it appear that I owe XXXX separate debts and has severely limited my ability to borrow money.
There is a  XXXX   XXXX   XXXX  account on my credit report with a total balance of {$19000.00} that was opened on or around  XX/XX/2008   . When I was just  XXXX   years old , my birth mother coerced me into taking out this loan. I did not receive any money, goods, or services, nor did I benefit from the opening of this account. I hired an attorney to represent me for this account. After my attorney spoke with  XXXX ,  XXXX  determined that I was no longer liable for this account. I 've disputed this account on  XXXX  and  XXXX , and it was removed almost immediately. However, I 've disputed it on Equifax, and was not even notified of the results or anything that the investigation was complete, and the account is still outstanding on my Equifax credit report.
Ally financial Inquiry on XX/XX/2017. unauthorized inquiry had been made on my credit report, I did not authorize this company to run my credit report.
I purchased a XXXX vehicle in XXXX of this year. I think I may have been a victim of discriminatory auto loan pricing. I have a relatively high interest rate and was quoted a down payment. Then later the next day I was required to make an additional down payment.
I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
SPEEDY CASH XXXX promise if I paid off this account they would remove from my credit in 30 days however, refuse to do so after taking my payoff money. I was charge fees however, I told them that I only got paid once a month they charge me twice within a month over drawing my bank account.