WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, I was contacted by XXXX XXXX, who identified herself as the HR Manager for XXXX XXXX, an international company expanding to the United States. She said that she had found my resume online, and after the course of some interviews offered me a position as their Supply Chain Manager representative in Utah. 

On XXXX I was contacted by XXXX XXXX, who introduced himself as the Regional Manager for XXXX XXXX and would be mentor for a 30 day probationary period.
During the 30 day probationary period I was assigned daily course work. 

On XXXX, I was instructed to transfer {$22000.00}  from a XXXX XXXX XXXX bank account that XXXX XXXX had setup, to my Bank of America credit card and purchase XXXX XXXX XXXX The XXXX XXXX XXXX were to be used for the purchase of XXXX XXXX for the new XXXX XXXX remote offices. I transferred the money ( XXXX )  waited a few days to insure the transfers had cleared, and were credited and reflected in my Bank of America account. After seeing that my Bank of America credit card account had been credited {$22000.00} I made the purchases. 

On XXXX, I was again contacted by XXXX XXXX, who stated that they had misjudged the number of computers needed, and had deposited an additional {$12000.00} into the XXXX XXXX XXXX account to be utilized for the purchase of the additional computers. Again I transferred the money ( {$12000.00} ), waited a few days to insure that the  transfers had cleared, and been credited to my account, and made the purchases. 

On XXXX, I checked my Bank of America statement online XXXX and saw that all the transfers that had been posted to my credit card had been returned as being " denied '' by XXXX XXXX XXXX. 

Having found that the transfers had been denied, I tried to contact XXXX XXXX, but did not get any response. 

I also contacted both Bank of America and XXXX XXXX XXXX, and they were of no help. 

On XXXX I contacted the XXXX County Sherriff Department here in Utah, and opened case XXXX for the investigation of Fraud. 

The investigation was concluded in XXXX XXXX, XXXX. 

I have been in contact with Bank of America numerous times to have the fraudulent charges totaling {$34000.00} removed, credited from my account, but so far, they have not been willing to assist. Even driving 580 miles on XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX nearest physical location/branch to meet with their representatives and present the Sheriff 's report.
I have been disputing an item that equifax is inaccurately reporting. It is a public record that they are reporting. It states a NJ tax lein in the amount of {$11000.00}. NJ State Superior Court, XXXX XXXX XXXX, XXXX NJ XXXX, XXXX. I have never had a tax lein. In fact i received a nj tax refund this year. I called equifax and they said they verified that it is correct. Which is incorrect because i called NJ State Superior Court at XXXX and Equifax has never called to verify this information. Nor do they have any such record of a tax lein against me on record. I have been disputing this in accurate reporting since XX/XX/2016.
I am being charged interests on balances that I already paid in full. The company ( American Express ) failed to explain how they calculated these balances and I was told that the representative was not at liberty to discuss how they calculated those balances.
on XX/XX/XXXX i was notified by credit collection bureau out of XXXX XXXX sd i was contacted on XX/XX/XXXX by XXXX who stated, '' this is a call from a debt collector. '' she then stated she was calling regarding a XXXX XXXX bill for my son XXXX, who is now XXXX but the date of service was XX/XX/XXXX which would of made him XXXX. she stated that there is not a judgement against me yet. i then explained to her she just violated hippa law as well as no mini miranda and the actual debtor is XXXX and was XXXX at the time of service. and i also did not like the threat of judgemnt against me considering it was not my debt. then on XX/XX/XXXX i recieved another call from a XXXX i very quickly stopped her she again no mini miranda i explained again i asked for the mailing address and she refused to give it i asked for a manager she said no one was available i insisted she find someone she then put on XXXX XXXX who stated she had seen everything in the notes from XX/XX/XXXX that this was a disputed debt they were calling on. i told her i will be pursuing legal action for several violations as well as notifiying cfpb.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was generated into his XXXX  credit report XX/XX/2018 related to the fraudulent application.a formal dispute of that information was mailed certified with return receipt to XXXX XXXX XX/XX/2018. As of this date XXXX XXXX has failed to reply to the outcome of the investigation, this activity is a violation of the FCRA and my clients federal consumer rights. 
In addition to the fraudulent XXXX XXXX attempt ; the fraudster was successful in establishing a phone account with XXXX ; that account fell into collections with XXXX XXXX. A formal dispute was provided to them XX/XX/2018 concerning this issue of fraud and as of this date no reply concerning the investigation has been received, this is a violation of FDCPA, FCRA and my clients consumer rights.
Consumer opened a checking account with Wells Fargo and was offered {$100.00} opening bonus for terms of minimum direct deposit payments, account open length, and activity minimums. Consumer met all requirements. Bonus was not paid to consumer. Consumer received a letter confirming he was due a payment in the amount of {$100.00}, but this letter indicated the money would be deposited into an erroneous account number. Consumer wrote and called to Wells Fargo Customer Service and Exception payments departments, who reasoned that since they could not locate the erroneous account, they can not grant consumer that bonus that they guaranteed him in writing. 

Consumer met terms of bonus through his upkeep of accounts EVERYDAY CHECKING XXXX and WAY2SAVE SAVINGS XXXX. Failure to pay the earned bonus amount is unfair to consumer who upheld his obligations.
Since XX/XX/XXXX And More reported update With the XXXX XXXX XXXX XXXX I have phoned each incident To FTC and IRS and the 3 credit reporting bureaus All police reports copies of Wrong placed bills in my name All my properties were stolen XX/XX/XXXX And still in court trying to get corrected It is affecting my right to purchase a home Effecting my work employability And effecting my name- incorrectly Fraudulent use of my name Bank Accts etc .... 
Fraud and crime noted thru Police depts and state officials ( I also have a Bankruptcy which should have been cleared and removed XX/XX/XXXX And should no longer be visible thru my credit report Sta. U.
I was struggling to make the original payments on an installment loan taken out with XXXX. I called them on XXXX, XXXX XXXX to set up payment arrangements in order to retire my loan on XXXX XXXX, XXXX. They agreed to a payment plan and would allow me to pay {$50.00} once every 2 weeks for XXXX and XXXX of XXXX, and then {$100.00} once every two weeks in XXXX. Today they just charged my debit card 3 times the amount promised and authorized on my card. I did not autorize my debit card to be charged this amount. Now there is no written paper work to show proof of a payment arrangement, the only proof would be a recorded phone call, which is what they do for all of their phone calls.
In XX/XX/2017, I opened a secured ( XXXX ) credit card account with a credit limit in the amount of {$1000.00}. On XX/XX/XXXX, Region 's approved a transaction in the amount of {$1300.00} to XXXX  Car Rental. This transaction should've been declined as it clearly exceeded my credit limit & I did not owe this amount to the merchant. The merchant contacted me on XX/XX/XXXX at XXXX XXXX and advised that I had a balance due of {$270.00}. XXXX Manager, XXXX XXXX, had no right to steal these funds from my account on XX/XX/XXXX. Region 's was aware that multiple irregular transactions had been entered on XX/XX/XXXX by this same merchant & subsequently had to flag my account as a result, so Region 's should've declined this questionable transaction on XX/XX/XXXX. I have a stellar payment history with Region 's & Region 's failed to protect me from financial recklessness on behalf of this merchant, ( XXXX  ). I have never at any time authorized Region 's to pay for services that exceed my available credit limit. Approval of transactions that exceed a customer 's credit limit, against the customer 's wishes should be illegal, what is the point of having a credit limit if that amount can be involuntarily exceeded? This illegal transaction impacted my credit report & score.
{$5000.00} loan has a balance owed now over {$50000.00}. I have been consolidated to Great Lakes and in forbearance for many years now. I work, but could n't afford {$400.00} plus each month so they put me on income repay at {$140.00} per month but with hardships they put my debt on the back end and capitalized the interest and auto forbearance every three months. I ca n't afford repaying all this interest and penalties!
XXXX did not address inaccurate credit reporting. I do not have an open mortgage account with XXXX XXXX XXXX as of XXXX The account last activity is not XX/XX/XXXX butXX/XX/XXXX The account does not have a past due amount but has a 0 balanace. The amount status is not 31-60 days past due but Pays-As-Agreed. The account is not open but is Closed. The account does not have a balance but is PAID OFF. The Account Status should be Pays As Agreed on XX/XX/XXXX, XX/XX/XXXX and Paid Off/Closed XX/XX/XXXX. However, XXXX did not address any of the original complaint listed above and in the original complaint. The company keeps updating Account Comments on the account in my credit reporting without updating Account Status and Account Last Activity. The company has not updated Account information sinceXX/XX/XXXX and refuses to addresses these issues after I have called and spoken with several XXXX representatives on several occasions. One XXXX  representative said " We show your account as 'Paid Off '. It is strange why we did not send an update to the credit reporting agencies to update your account. '' Hence, the numerous XXXX complaints. I tried to address this with the company before filing complaints with XXXX   XXXX, and Equifax. The company failed to resolve.
I have reporting this before to Equifax and got no response. I have a police report and affidavit on file. 

Affidavit of Demand XXXX XXXX XXXX XXXX OF XXXX XXXX OF XXXX The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item to be error. 


Creditor Name : XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Opened : XX/XX/XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Assistance Department, I am currently a victim of Identity theft and I want to opt out all my personal information on your data base and website ( s ). Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts Remove any charges on the unauthorized account, and Take steps to remove information about this account from my all files I still have not received written confirmation of these actions. I recently learned that my personal information was used fraudulently. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on your data base/website ( s ) I will be left with no choice but to file a lawsuit that you are violating my rights and how Its affecting my ability for employment or buy a home. 


I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX I declare that, to the best of my knowledge and belief, the information herein is true, correct, and complete.
I received a letter from an attorney office attempting to collect a debt, dated XX/XX/18 from Howard Lee Schiff, PC, who is collecting on behalf of XXXX XXXX XXXX, who is collecting on behalf of XXXX XXXXXXXX XXXX. First I never received any correspondence from XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- I have not given either company the above written consent to contact me in connection with the collection of any debt alleged. I have no known relationship with the companies XXXX XXXX XXXX, and Howard Lee Schiff, PC and am unaware of how they have obtained my personal identifying information with my knowledge and/or consent. I have sent a letter disputing the validity of this alleged debt which Howard Lee Schiff, PC has received via certified mail.
I sent a dispute letter to equifax in regards to inquiries that are appearing on my report that I did not authorize. I received a letter in the mail that told me I needed to reach out to the companies directly. This bureau is illegally reporting inquiries that are not factual or authorized. With all of the breeches that have taken place within this bureau I dont think it is fair to tell everyone that they should reach out to companies. I want those inquiries removed.
sent ftc of inaccurate information showing up on credit report Equifax, XXXX, and XXXX has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra
On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.
I have a hard inquiry from XXXX/PPC on my credit file from XXXX/XXXX/2015. I never applied for credit from paypal but did have my bank account information stolen and money taken from my bank account.
I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and ONEMAIN with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
XXXX XXXX responded to complaint number XXXX on XX/XX/2018. They requested That I provide an identity theft report for them to proceed. Attached is the report they requested with my statement written on the report.
I had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail XX/XX/XXXXfrom XXXX then I got a letter from common wealth financial systems inc. On XX/XX/XXXX that XXXX XXXX XXXX had sold the previously deleted accounts to XXXX XXXX XXXX who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $
I deposited a check from my roommate into my account because I paid the move in cost for us to move into our new apartment. His check returned, the bank never release the money which is a good thing and I got accessed a returned check fee, which I do n't mind paying. The bank has now restricted my account and is scheduling it for closure. This is unfair to me as I need this account.
Affiliated acceptance Corporation is not following the laws according to the FDCPA and the FCRA.I filed a complaint ( XXXX ) and asked for validation of a debt they claim I owe them. I asked for a contract and they did not provide a contract. They refuse to validate the debt and is in violation.I have not received a dunning letter from them and they have to send a dunning letter giving me the right to dispute the debt. 
the company stated they the billing agency for another company which means they is collecting on a debt. I have never signed a contract with their company.They did not provide proof like I asked in the complaint.where is the contract because you collecting on a false debt? I formally request copy of documents bearing my signature showing that I have a legally binding contractual obligation to pay them and not a billing statement because that is not validation.
Experian will not/has not removed the 2 judgements on my credit report due to the National Consumer Assistance Plan as of this date. I tried to submit disputes for them, but their website has locked me out from disputing those items as previously disputed. I tried contacting them, but no one will assist me over the phone about removing those 2 items since the records do not contain my DOB or SSN.
3rd party debt collector " Diversified Consultants '' contacted me at work on Wednesday, XXXX XXXX, at XXXX XXXX. I spoke briefly with them and told them they were welcome to contact me, but NOT between the hours of XXXX XXXX to XXXX XXXX M-F because I am at work. 

Diversified Consultants ignored this request and called me again at work on Friday, XXXX XXXX at XXXX XXXX. 

They were attempting to collect a debt on behalf of XXXX XXXX XXXX that I have already paid.
I contacted Tidewater after consistently being past due on my car loan due to being unable to afford the monthly payment. The debt worksheet attached shows that with a reduced payment, I am able to maintain payments going forward even after factoring in living expenses. I have spent multiple hours on the phone, exchanged multiple emails. At first I was told I did n't qualify because my worksheet was wrong ( no clear answer ). When I pushed forward, the supervisor said he would resubmit it after I explained my income vs debt ratio step by step. I was contacted today and told my request had been declined again and that even though the worksheet shows I could maintain the new payment,  Tidewater  said it was n't sufficient to them to justify a lower payment program.   Since I have taken this loan I have been past due. I took this loan after a bankruptcy because I had no car. Tidewater is deceptive in it 's lending practices potentially even violating the Fair Debt Collection Practices Act by offering unrealistic repayment options such as a " Double deferment on  XXXX  and  XXXX  's payments ''. On the recorded calls the supervisor agrees this would not resolve the larger picture and would only fix it short term ; not to mention extend the life of the loan so they can rake in more interest charges. I have attached the last 2 months of paystubs, and the debt worksheet. This lender is clearly out to manipulate the lending systems and take advantage of the consumer. It should be noted that on the worksheet there is an error preventing it from updating the total expenses vs total income. Also, due to a payroll change my tax with holdings were incorrectly applied.
Experiain is : -Deceptive Marketing -Illegal practices in the enrollment process -Unfair Billing PracticesExperian is Illegally charging my credit card for credit monitoring service for credit card add-on. I am disputing transaction. On or around XXXX XX/XX/2015 and XX/XX/2015 I talk to there customer service agent from XXXX several times and I informed no refund. I am requesting cancellation and full refund of {$60.00}. I was charged from XXXX, XXXX and XXXX 2015 with Experian. I received several of there email stating that my Experian Credit Report is ready. It never allowed me to view the account. I never signed to request monthly FICO credit report. There overseas customer services they do n't understand what 's going on. I request several times Experian to remove me from there mailing list and they refused. 

Thanks,
On Thursday XX/XX/XXXX, I contacted Williams and Fudge in response to a letter I received for my outstanding loan with XXXX University. I spoke with an agent and explained that I could maybe pay {$10.00} per month at which point she offered a settlement for 50 % .The representative called my cellphone on XX/XX/XXXX and my brother answered the phone. My brother stated that he was me but the representative did not do anything to verify this was true other than feed my date of birth and ask for conformation. I believe this is a violation of 3rd party disclosure. I called back and spoke with a supervisor to explain my issues. I was told that I could not settle my account and re enroll. I would need to pay the balance. At that point I explained that I wanted to look at my options to to their violations as well as to see if my loan may have  been affected by the recent lawsuit against the University. I also explained that I am a former member of the military experiencing a hardship but I would refrain from file a complaint against the agency as well as the University if they would accept my offer. He accused me of black mail and said " as a member of the military, you are saying this on a recorded line? '' This statement was made in effort to intimidate me into not filing my complaints as the representative had preconceived notions that I was making false claims in order to get my offer approved. My right to investigate a dispute and well as my right to privacy is protected under the FDCPA. Further more this representative proceeded to over talk me duding most of the conversation. I explained that I am a customer and he should n't speak to me this way. He stated that I am not a customer of the agency. My belief is that although that may be true, they are an extension of the University who needs to treat the customer the same as the University would. I was also told that my offer is ridiculous in his professional opinion. Nobody who has served our country and is experiencing a financial hardship should be told their offer is ridiculous, regardless of the opinion of the agent trying to collect. I am appalled that XXXX University would want someone like this acting on their behalf. I will be looking into my legal options regarding third party disclosure violations, false and misleading statements as well as refusal to acknowledge my option to dispute
This information does not belong to me I want to investigate when was this because I do n't have any idea. XXXX XXXX XXXX