WillisBack/dataset-financial-user-claim huggingface dataset:
I had a couple of accounts with XXXX XXXX. I entered an arrangement with XXXX XXXX XXXX to consolidate my bills and make one monthly payment. The accounts with XXXX XXXX were included as a part of that consolidation. XXXX has refused to acknowledge my requests to stop calling me at work ( I've told them repeatedly I can not take these types of calls at work ) and continues to call and threaten me at work. Recently, they started also calling my ex-husband about my debt. We've been divorced for over 30 years, so I have no idea how they even got his number. I don't even have his number! On XX/XX/XXXX, I emailed XXXX XXXX and asked them to only contact me through written communications - either email or physical mail. On XX/XX/XXXX, they called me at work and also called my ex husband and left him a message about my debt. Today, XX/XX/XXXX, they left a message on my ex-husband 's phone, which he recorded and sent to me via XXXX messenger. Transcribed, the message reads as follows : " My name is XXXX XXXX and I'm with XXXX XXXX. XXXX, I've been asked to reach out to with with one last attempt to try and resolve this matter that you do have here with our bank. I would really like to have an opportunity to speak with you about the options that you do have, and it would be my pleasure to assist you. I definitely want to stop the escalations that are now coming. But in order for me to assist you, I need you to give me the courtesy of returning my call TODAY. My number is XXXX. My direct extension is XXXX. This matter is time sensitive and it requires an immediate response today. Without your response, the bank is now ready to take necessary steps and resolve the matter legally. And just to be fair, I should also advise you that the call has been documented as my attempt to assist you voluntarily. My number is XXXX. My extension is XXXX. '' This exact same message including the mispronunciation ( axed for asked ) was also left on my work voice mail today while I was in a meeting. My ex also told me via XXXX messenger that he has received repeated phone calls from them and that he blocks all the numbers from which they call. I don't dispute that I owe money to XXXX, but they absolutely have no right to call me at work after I've told them I can't take calls like that at work and they have NO RIGHT to contact a man from whom I've been divorced since XXXX to try to collect this debt, especially when they have also been informed of my arrangements for debt consolidation.
on Saturday X/XX/17 my employeer tried to direct deposit XXXX it was rejected by my bank. According to 5/3 bank the routing number was incorrect. My employeer called 5/3 bank with me and was told the correct routing number and my employeer read out the routing number to make sure that it was correct. On X/XX/17 my employeer tried to direct deposit XXXX into my account again. Again it was rejected 5/3 bank stating that the routing number was wrong. We called and talked with four different personal that told us four different routing numbers that was associated with my account. As of right now my employeer is unable to direct deposit money into my account because of their errors. I have tried to work out the situation with 5/3 bank however, they just keep apologizing and telling me to try to have the company send the money again.
Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information reported by XXXX XXXX XXXX ( Home Equity ) on my credit reports with XXXX, XXXX and Transunion. 

I am including a copy of the following Transunion credit report, File Number : XXXX, report date : XX/XX/XXXX. 

I am including a copy of the following XXXX credit report, report number : XXXX, date of report : XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, Items as of date reported : XX/XX/XXXX. 

The Transunion report shows that the " Pay Status ''  XXXX XXXX, not closed. The report was last updated on XX/XX/XXXX, reporting inaccurate data, stating that the item will be removed on XX/XX/XXXX. The Maximum Delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX. 

Although XXXX XXXX XXXX  is NOT reporting the complete payment history, the Transunion credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 


On my XXXX credit report it shows the account status as closed and updated on XX/XX/XXXX, balance updated on XX/XX/XXXX, shows " ON RECORD UNTIL '' XX/XX/XXXX. 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 

On my XXXX credit report it shows the account status as Charge off and updated on XX/XX/XXXX, shows " Date of 1st Delinquency '' as XX/XX/XXXX. 

The XXXX report shows the Account History with Status Codes back to XX/XX/XXXX, which clearly shows, from what I can tell without the full account history, the first 30 day delinquency. 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, on any of my credit reports and is extending the reporting history and affecting the removal dates from all of my reports creating derogatory account information which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act Per the FCRA, 611 - 15 U.S.C. 1681i, ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX Home Equity.
I only use my VISA check card when I pay bills on line, shop, deposit a check are cash, thru the ATM or withdraw money with my pin. I don't use my card a lot at all, so when I discover charges on my account, I could member wear my card was located during that time. I phone the claims department in XX/XX/XXXX late night after I got off work. I told them about some claims in my account from the same merchant. The claim department told me is the claims were 60 days old they could recover the monies unless, in was in jail, incarcerated, in the Military or the hospital. The claim department stated that was chase rules, I never read chase rules because chase brought out my bank Washington Mutual so I inherited chase bank. The bank put a temporary credit in my account during the investigation and I waiting until I received a respond from the bank. 

In the month of XXXX my account was overdraw for XXXX when I called the bank they stated the claims were 60 days old and they couldn't recover the funds. A few weeks later they overdraw my account another XXXX when call I was told the card has a chip and the cards was use even I report lost when I couldnt find the card. The chip in the card can't be compromise. So I file an appeal on XX/XX/XXXX with the claim department and I was told they would contact me in 3 to five days. On the XX/XX/XXXX I call again and was told it was denied so I question then about the card lost so I was told they would get back to me. On the morning of the XXXX I try to quick pay monies of XXXX and the account showed an error. I called Chase and I was told I need to spoke with the fraud unit and they gave me a number to Ms. XXXX XXXX at XXXX. Ms. XXXX stated she had my account because of the claims pending my account was overdraw and they sent it to he unit. Ms. said she put my join account on hold and was taking any monies I had with the bank apply to the claims. 

I informed her I never got another response from the claims department from my appear. I was told to call the claim unit! I called claim unit was told the back offices still had the claim. I reach out to the claim unit again on Monday XX/XX/XXXX they said again it didn't matter about the card being lost the claims her denied. The federal government said let the banks fall in XXXX when they gave the taxes payers money to the banks, chase got XXXX XXXX dollars to lend out and they keep the moneys and made profit. 

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As with most creditors, Sallie Mae pushes to promote paperless billing. Their online solution to manage payment is particularly frustrating as it provides little useful information and makes it difficult to understand how much you owe for a given pay period. The " due balance '' only relates to what is due that day, so shows {$0.00} until your payment is due, meaning once you respond to this you payment is late. Any reputable creditor shows what is due for your next payment and provides easy access to your statements. 

I believe the Sallie Mae method of operation is knowingly unclear with the intention of confusing customers to be forced to pay late charges which exceed the normal monthly finance charges.
I text drove a XXXX XX/XX/XXXX that was manufactured in XX/XX/XXXX. I did not see any flaws during the text drive. It was bought from a certified Ford Dealer. However, after XXXX weeks of owning the vehicle, a new battery was needed. Thus, it was revealed that the car had been in a previous accident. It did not make more sense to me that there were names already programmed in the XXXX It was not cleared before I signed my name on the line. My first concern is the purchase was in a clear violation of the Lemon Law. Secondly, I do not know if XXXX Ford was informed it was a program car and has been in an accident. However, it was and it proved to me every time I had to reset my blue tooth wireless option. Thirdly, I have been disputing this issue with XXXX directly. I have not received a response. XXXX of XXXX, GA. had to replace the A. C. unit twice. This is only after 2 years of owning the vehicle and still being under the XXXX. I do want this issue cleared and removed from my credit reporting history, which includes all trade lines entered by Ford Motor XXXX. Car was repossessed during my unemployment. Also, I had possessions such as my notary stamp ( XXXX XXXX ) that was not returned to me.
Two weeks ago I had sent a letter  of VALIDATION to Atlantic Credit & Finance Incorporated . Prior to the letter of Validation, I sought out verification first and did n't receive any, instead today I received a letter with an old billing statement from the original creditor about the debt I owe. I know that I owed the Original creditor, but as  for Atlantic Credit & Finance Incorporated, I w anted VALIDATION that I owed the debt to them as in I wanted a signature of mine consenting to their company to collect this debt. I just only received VERIFICATION of said debt in the form of an old billing statement.
There is no proof this debt is mines, I have been having medical insurance for the past 10 years not sure what is going on. HIPPA law protects me with this issue. They do n't have any signatures from me, they cant prove why I was in the hospital.
XXXXXXXX XXXX XXXX has called through the whole month of XXXX when i finally spoke to them the were asking for month amount between 700 to 900 a month which that is not possible i explained to them that i can afford that amount and that if it can be lower the manger i spoke to said absolutely not that is the only amount that will be. I forgot the manager name
to whom it may concern while checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. this is a violation of the fair credit reporting act section 1681b ( c ) .this is a serious breach of my privacy rights you have been notified on many occasions and my report was on fraud alert and you continued to ignore
A collection agency is contacting my Mother, a XXXX year old with health issues. She told them i do not live there yet they continue to call. On one call they told her to relay the message if i do not contact them before XXXX they would be filing a complaint against me. First of all to tell a non spouse that any action is going to be taking against me is against the FDCPA. They were vague as to why a complaint would be filed which frightened her even more to death to the point when she was trying to give me the message she was unable to find the correct words which happens when she is stressed or flustered. They have one opportunity to leave a message after that the number should have been ceased and never called again yet they have made at least XXXX calls to her. This is a debt I am disputing as over the course of 3 years they continued to take the payment out on the wrong date causing me insufficient funds monthly.
I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate from FL to GA but was paying $ XXXX/month on the debt. The loan was sent to XXXX XXXX and XXXX where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from XXXX XXXX ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.
Contacted Equifax regarding validation of debt by XXXX XXXX XXXX , XXXX of XXXX, Texas. Received correspondence that the account was validated. However, when contacting XXXX XXXX XXXX for additional information by certified mail on XXXX XXXX, 2017 ( XXXX ), the company stated that they were unable to locate the referenced account. I provided them sufficient information regarding the account. How is it possible for Equifax to validate an account if the organization can not locate my account? Also XXXX XXXX XXXX, XXXX per their correspondence and the Texas Finance Code 392.101 does not have " Active '' status to engage in debt collection in the State of Texas. The law specifically state that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) the bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. The bond must be in the amount of {$10000.00}. During this time period XXXX XXXX XXXX XXXX has not been in a " Active '' but rather a " Cancelled '' status which removes the company from pursuing any alleged debt in Texas thus making Equifax in violation of Metro 2 compliance by validating a debt that is not collectible in the first place. I 'm requested that the five derogatory accounts be deleted from my credit report.
I had a Amazon/Synchrony Bank credit card, I over paid my balance by {$900.00} XXXX my credit limit being XXXX XXXX. So I should have had XXXX. Synchrony Bank now say they enver recieved the extra amount even though it has not been returned to my XXXX account and to add insult to injury they lowered my avail credit down to {$400.00}.
XXXX To XXXX XX/XX/XXXX at XXXX, MD XXXX P : XXXX XXXX, NC XXXX F : XXXX XXXX. 

XXXX, Attorney at Law XXXX, NC XXXX Urgent! 
RE : Attorney File : XXXX. 

Dear XXXX Thank you for your letter. I have no desire not to pay appropriate expenses including legal expenses related to my loans with the First Citizens Bank and Trust Company. 

I have been asking XXXX to provide me with the itemized bills from your institution and so far he has refused to do so citing, they are privileged documents. 

I have been a loyal customer and have been dealing with this institution for almost 20 years with excellent payment history until the bank changed its policy of renewing the notes and loans every 2 years and suddenly demanded almost XXXX dollars at once because my X spouse refused to sign the documents, even after court orders. This was compounded by XXXX failure to inform my current wife 's requirement to sign the documents either to me or to her beforehand. Once the shock was over and she agreed tosign the documents, XXXX promised to send the documents for our signing but failed to keep his promise, even though my current wife postponed her overseas travel by several days paying penalties to the airlines. Had that been done I did not have to go through XXXX and all these missteps. 

I have always cooperated with the bank to the best of my abilities and paying down the notes and loans, since the dust has settled and will continue to do that. 

XXXX on the other hand has on many occasions has been inconsistent, arrogant and grossly unprofessional and has played significant roles in these matters. He has never given me credit for consistent cooperations in this matter. Neither has he acknowledged my prior payment history for many many years.For example, he has commented that he would take over my XXXX, that I should go to another bank etc. etc. He even wrote derogatory letters when we both agreed to cancel the credit cards. I can give many other examples. 

We think the incidental expenses, home appraisal, legal etc. may be excessive and need clarifications. ( including payments made in these regards ). 

Please, do not hesitate to contact me if you have any questions. 

Your very truly, XXXX. 

CC : XXXX and CEO The First Citizens Bank and Trust Company.
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
On  XXXX / XXXX / XXXX  I purchased a  XXXX   XXXX   XXXX  from  XXXX  but end up getting finance thru Santander.   My original loan amount was for  XXXX  according to my credit report.   Back in  XXXX  Santander offered me settlement amount due to non-payments and becoming  XXXX   XXXX .   We both agreed if I pay the amount by that specific day (  XXXX / XXXX / XXXX   ),  it will be a "  XXXX  '' balance and deleted from all  XXXX  credits bureaus as paid and closed due to my disable situation.   I paid the settlement offer that same day on  XXXX / XXXX / XXXX  and they told me that they receive payment and also sent me a letter and they told me it will be closed and deleted on my credit reports within 30 days  ( that never happened ).    I been calling them for weeks lately and asking why is this still showing up as a charged off and not being deleted like I was PROMISED.   ALL The representatives that I am speaking too, keeps transferring me to many different departments and representatives, " NOT '' solving the problem and can not answer my questions.   NO ONE seems to have a answer for me, all they keep telling me I NO LONGER HAVE ACCOUNT with  Santander  and that my ACCOUNT IS CLOSED.   So if this is the case, why wont they delete this off my credit report like they agreed to do, and everyone I am speaking too keep telling me the account is PAID AND CLOSED upon their records, but that is not what is being reported on my credit report and the FCRA states its suppose to be true and accurate information on what was agreed between the company and I.   This company is very DISHONEST, RUDE and has lack of customer service skills!!!!
I currently have an account of {$280.00} owed to NCC business services. This account is in collections from an apartment complex called XXXX XXXX XXXX in South Carolina. The account was placed into collections in XX/XX/2018. I have never lived in South Carolina and have owned a home for the past three years. I am not renting an apartment. I have spoken to both the XXXX XXXX and the collection agency and have not been able to resolve this.
Closed Account with XXXX XXXX acct # XXXX on XXXX/XXXX/07
I recently informed by my mortgage XXXX that she was not able to pull my credit score and credit report from Equifax. I contacted Equifax on XXXX XXXX and the customer representative told me that they were not able to locate my credit profile and my name, and social security number. Further, the customer rep told me to fax my id and SSN over by fax to XXXX. A transmission report indicating that my fax was successfully sent over to the abovementioned fax. When I called Equifax after their XXXX hour processing timeframe, the customer rep told me that they did not receive my fax. I ask if there is a way for me to securely sent over my information, so that this time for sure their company have received information. Yet the customer rep told me that I have to fax to the abovementioned fax number or mail. XXXX is not listed as a fax on Equifax 's information center or webpage. I suspect that this could potentially leak my confidential information out. 

For whatever reason, when I ask to talk to the customer rep 's XXXX, the customer rep transferred me to their Consumer Affair department ( CA ). The CA, then, confirmed with me that they indeed received my ID and my ss card. But for whatever reason, Equifax does not have my credit profile in their system, and the CA will start an investigation on my file. CA asks that I call this number, XXXX, to get an update. 

Fast forward, after two weeks, I tried to call their CA department and their general line, none of them seems to be answering any of my calls. 

The problem of not having my credit profile from Equifax has caused me many problems. I was denied of a mortgage because Equifax was unable to furnish my credit report and credit score. I am not able to get a mortgage from any lenders because Equifax was unable to provide the lenders with my credit information. 

On the other hand, XXXX XXXX XXXX XXXX and XXXX do not have this problem, XXXX and XXXX reports my credit information, history, and other credit accounts accurately.