WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime in XX/XX/XXXX, I started investing in my XXXX XXXX XXXX ( XXXX  ). I wanted to change my life through this business. Since I do not have the funds to invest, XXXX have Seed capital company to help me find funding through credit card applications. One of the bank is from Firth Third Bank. This bank approved me for {$4000.00}. I then use it to pay for my XXXX business expenses on XX/XX/XXXX. There were 2 transaction total was {$3700.00}. 
Due to my business was slow with no sales and commission, I could not afford to pay my Fifth Third Bank credit card. I tried paying on XX/XX/XXXX, {$76.00} and requested to have the late fee waived. The bank did it for the one time only. Then months went on, my business still not doing well and in XX/XX/XXXX, myself and other XXXX business owners found out XXXX has been shut down by Federal Trade Commission ( FTC ). There were heavy ongoing investigation and court cases. Theres a case number XXXX on XX/XX/XXXX confirming the FTC have court cases ongoing explaining how XXXX business function especially it is scamming innocent victim like myself. 
When that happened I was shocked and completely disbelief the scam from a business I heavily invested in, so I filed a complaint to FTC online on XX/XX/XXXX. My reference number is XXXX. 
I did contacted FifthThird Bank to file for dispute due to XXXX scam on XX/XX/XXXX. They told me they will mail out dispute form for me to fill and attach with any supporting documents. Which never arrived. 2 weeks later fifth third bank started to call me daily asking for payments. Without any warning and they continued to call daily including weekends harassing for payment. 
In XX/XX/XXXX I received a letter dated XX/XX/XXXX about my dispute were denied even without given any chance to receive any dispute form and file other than received daily calls asking me to pay money. I called the bank to clarify and was told I have been sent to collection agency and can only make payment through them. 
Immediately after receiving the letter from XX/XX/XXXX, it seems like I can not have my dispute request and been sent to collection. This has been the worse bank compared to other bigger institutions like XXXX. Which they are very understanding and have been working on my disputes. 
I need help with this. FifthThird bank is not giving any mercy for me to help me with my failing business and the credit card dispute from he failing business.
Mountainland collections reported to XXXX 2 different account # s for multiple accounts resulting in double accounts on report for at least 7 yrs. Also not reporting and marking accounts as paid from a year or more pryer. Making it difficult to support my kids and only being able to make barely enough to scrape by and get deeper in debt. Could've been making over 4 as much in my profession but still can't cause what they have done to credit.
My XXXX credit card with Key bank was stolen in XXXX 2014. Over XXXX of fraud charges was made on that account. Keybank has refused to accept my fraud claim.
I applied for the FHA Streamline Refinance because I was looking to lower my fixed rate mortgage from 4.75 % to 3.5-4.25 % fixed. I called and spoke with XXXX XXXX in the Direct Lending Department. I advised him I am a former beneficiary of the Federal Emergency Home Loan Program and the FHA HAMP. At first I asked him if Flagstar Bank would subordinate to XXXX XXXX who had already preapproved me for a lower rate ; however, XXXX said that I could get a lower rate through Flagstar. XXXX XXXX had made me believe that it would be worth pursuing an FHA Streamline Refinance. Ultimately he said I do not qualify because they could only offer me a rate of 4.68 % because of my credit. Since my rate is currently at 4.75 % they would not reduce it to 4.68 % because it is too small of a change. I have been current on my mortgage since XX/XX/XXXX or XX/XX/2011 yet Flagstar still did a " Lockout '' on my house. They changed the deadbolt lock on me and have yet to reimburse me so I can put a new lock in which they do not have a key for. I do not have the key to the deadbolt lock currently on my door.
On XX/XX/XXXX I paid off thru a settlement transaction an old derogatory account of a Credit card that belongs to XXXX XXXX XXXX ( XXXX ) XXXX XXXX with a 3rd Party ( XXXX XXXX XXXX XXXX ) and I will be closing my first home in XXXX County Area in Florida the next XX/XX/XXXX. so the Lender is financing me gave me the opportunity to try to expedite the process of report the account properly in all 3 Credit Bureaus Companies as soon as possible to try to raise my XXXX/Credit Score and Report, in order to prevent high interest mortgage loan that i should not deserve if I was responsable paying off accounts that affects my Credit in General
Central Financial ControlXXXX XXXX XXXX XXXX, XXXX, CA XXXX NUMBER : XXXXXX/XX/XXXX Toll Free : Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Central Financial Control or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Central Financial Control or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have been talking to my debt collector, Williams and Fudge, about how I am not able to pay my debt. I have tried petitioning against XXXX XXXX University about cancelling my debt because I attended 2 weeks then had to leave because it was too much money for me. They have written proof of me only attending 2 weeks, but they will not cancel the debt. Williams and Fudge will not stop contacting me. They are constantly calling me. I offered to pay $ XXXX/month and they told me they could not set up a payment like that and that I needed to pay the whole {$10000.00} right then. I owe {$10000.00} for 2 weeks of school. I do n't have the money to pay this, that 's why I dropped out in the first place.
American Express is working in collusion with XXXX, which is unlawful in the United States. I purchased tickets from XXXX on XX/XX/XXXX. Delivery was promised within 10 to 14 days at time of transaction. XXXX has been unable to deliver the tickets and agreed to provide a refund. However, no credit was issued. I contacted American Express to initiate a dispute. American Express stated that do not accept disputes from XXXX regardless of the situation ( due to their partnership as Amex makes money off of XXXX ). Regardless, it is illegal to charge someone for an item that can not be delivered under the transactions terms and American Express is not acknowledging that. I spoke to Amex representative in XX/XX/XXXX who agreed to have his supervisor override the system to initiate a dispute. But when I checked back, no dispute was ever initiated. Now, XXXX can not deliver tickets, promised refund, did not provide refund AND American Express refuses to initiate dispute, then promised to initiate dispute, now refuses to initiate dispute and has collected {$330.00} for a fraudulent transaction by honoring their partnership with XXXX ( aka XXXX ).
I am writting thid due to non-comliance with the CRA [ EQUIFAX ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law
Discover Personal Loans,  XXXX   XXXX   XXXX   XXXX   XXXX  Ut  XXXX .  Discover  Reports to  XXXX ,  XXXX , and  XXXX  that an account Opened in  XXXX  which was included in Bankruptcy discharge as of  XXXX   XXXX  Has been reported as Recently closed and negative as of  XXXX   XXXX . This account was closed no later than  XXXX   XXXX  in which bankruptcy w as discharged. Discover has be en reporting since  XXXX   XXXX  showing recent status of delinquent account. There is no recent bankruptcy in  XXXX  as discover is reporting with this account.
Amount owed is much less than stated. XXXX must also take into account the they they had preached the trust and agreement between them and i. Therefore forced me to incurre various charges to move to a new carrier. Therefore ammount requested is wrong and baseless.
I went to see a doctor @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX, on XXXX. 
I provided them with my Active medical insurance which was XXXX with Medicaid, along with a referral. 
I never received a call from them regarding this bill but a year later I got a letter sent to my old address about a bill. I tried to call the billing office several times with no response. I 've left voicemails to which no one ever responded. I called my insurance to confirm that I was active during the visit, which they confirmed I was. Ins Rep : XXXX told me that the office billed the insurance but that it was not payable because the office did not get the proper prior authorization for it. The Ins rep called the office and left a voicemail notifying them that they are not supposed to bill Medicaid patients and asking them to return her call. I continued to try to contact the office every few weeks but the billing office never answered the phone or my messages or called me about this issue. I just checked XXXX and thats how I found out I had a collections report from XXXX on my account. This office has continued to attempt to collect a debt that I do not owe and that they have no right to attempt to collect.
On XX/XX/2018 and XX/XX/2018 I called Armed Forces Loan and express some concerns on how I was showing 30 days past due multiple times on my credit report. I spoke to XXXX XXXX and was to it would be taken care of. Still to this day I am still showing delinquent. I asked for another loan and was denied because it stated I had a sufficient change in my credit score and the reason why is because of how they are reporting.
Requested proof of debt with certified mail, was never received. Falsely reporting account as opened XX/XX/2017 which is in clear violation the FCRA. Never notified of this fraudulent account. Request this account be immediately removed.
This Jefferson Capital keep automated calling my work and my house phone that I owe money. I asked to stop calling my work. However, they still calling my work.
Capital One has been charging {$8.00} monthly fee without notice. When I opened the account I was told the account was a free checking with a monthly charge. I contact Capital One about the error and I was told " sorry '' but not refunds! I started back working part time and still receive unemployment this is a financial hardship I can not afford.
XX/XX/XXXX Received an email ( 1st contact ) at my place of employment from Direct Recovery Services ( XXXX almost 12 yrs now ) - I had a ChXXXX Bankruptcy cleared in XX/XX/XXXX. I have never heard of this company nor the named " original creditor '' ( XXXX ) - nor have I ever received any previous emails, voice mails nor USPS mailed letters to the effect. They ( DRS ) have used an address in the header which I have not resided, for over 8 yrs ( I have moved 3 times since, but cell phone number has not changed in over 10 yrs, and mail continuously forwarded via USPS ). This supposed debt has not been on any copy of my credit report that I can recall.
I have been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license and SS Card, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/18 with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter. 
Filed identity theft with FTC on XX/XX/18. 
Placed fraud alert on XX/XX/18. 
Filed police report on XX/XX/18. 
Filed certified with credit bureaus on XX/XX/18 with return receipts. 
Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.
XXXX XXXX XXXX XXXX XXXX agency put a collection account on my credit file without notifying me or anything. I have no idea where this debt came from. It is a phantom account. I wrote this collection agency and asked them to validate this account and where it came from. They have not responded to me and are still reporting it on my credit. it has now been 90 days.
I was contacted by XXXX and they were attempting to collect a debt from Continental Finance. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know Continental Finance was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that Continental Finance was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt XXXX would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with XXXX XXXX for debt collection. XXXX seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe Continental Finance is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt XXXX will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.
I finished paying my loan in full over 3 months ago to vouch financial. After numerous calls I get no assistance and answers why the keep reporting this account as open. This is hursting my credit scare and credit worthiness. Furthermore, Vouch is in violation of the FCRA.
Wrongful Repossession and late payments showing on my credit reports : I am a XXXX XXXX XXXX XXXX XXXX and was shocked when my vehicle was repossessed by USAA FSB in XX/XX/XXXX.  I do n't know how this could happen, especially, since my car loan has been set on ACH payments through XXXX XXXX XXXX XXXX since I purchased it. 

The transactions on USAA.com that show reversals, do not match on my XXXX XXXX XXXX XXXX bank statements. The XX/XX/XXXX transactions screenshot only shows my auto insurance policy. There are no statements for late payments or missed payments. Also, the weekend that they repossessed my vehicle, there were large unexplained fees of {$950.00} & {$750.00} on my USAA.com account. 

You can compare the bank statements on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with my USAA.com transactions, payments or reversals ... .They do n't show on my bank statements. 

My fianc at the time, and now husband, paid over {$2200.00} to USAA to redeem the repossession. And I tried to resolve this issue in the past but both institutions are placing blame on each other without accountability, nor reparations. 

We have been trying to qualify for a home purchase loan and our efforts have been hindered due to the credit report lates and repossession remarks. Please help.
I contacted the companies as well as the bureau. These inquiries were not authorized by me. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX
I have been a cardholder with Synchrony Bank and its predecessors since  XXXX . I have been making multiple credit card payments each month to pay off my balance - these payments were made online and the funds were from two verified checking accounts that I have - one account I have had for about 17 years and the other account for about 8 years. In my 35 years of banking, I have never had a credit card payment returned. Before  XXXX , as soon as I made an online payment, the funds were immediately available for use. However, since  XXXX , Synchrony Bank does not make the funds from my payment available - they now hold the payment for 7 days even though nothing has changed with regard to how I make payments. I made a payment on  XX/XX/XXXX  and had to call the Bank in order to get the payment released - the Supervisor I spoke with told me that I could call at any time to get my payment posted to available funds because of the length of time with Synchrony Bank and never having a payment returned. I made another payment today and was told by badge #  XX/XX/XXXX  that the payment would not be available for 7 days. Please help because Synchrony Bank is holding my monies when that is not how it has been for 20 years.
My uncle had a little house is XXXX XXXX. The lenders kept sucking him into cash out refinance and continued to attempt to do it even after being told he had XXXX. I am a real estate broker and quickly ran comps. He was upside down during the time they were still trying to cash out refinance. The house was worth about XXXX and he owed XXXX. I cleaned up the house so he could go home to live his final days and I cleaned it out more upon his death. I live in XXXX and this involved several trips and time away from my business to do so. The bank then tried to get a default judgment on me even though I was never living in the home, never a signer on his bank account, and never on his mortgage and I lived over XXXX miles away! I had to spend thousands of dollars defending myself from this legal action. My husband and I were in the process of building a home a home here, and this would have messed up our financing! Despite a court order dismissing me from the case, the bank continues to try and collect from me. My uncle passed on XX/XX/XXXX and I 'm filing this complaint on XX/XX/XXXX. M & T Bank is a predatory lender on elderly veterans, and XXXX XXXX XXXX is unscrupulous company that is violating the debt collection laws. Also, note that I left the house cleaner than any repo I 've handled in my 17 years in the real estate industry. 

Please note : I put my personal information on this form. My uncle was the retired veteran.
XXXX   XXXX   account showed a late payment in  XXXX / XXXX . This information is inaccurate. Payment was not late. Balance was paid. And   XXXX   XXXX   credited all late fees. This item was incorrectly applied to my report and should be deleted immediately.
I have previously dispute a collection account on my credit report from XXXX XXXX XXXX back in XXXX XXXX now is XXXX XXXX so it 's been past 30 days I call Trans Union XXXX number talk to representative and she had me on hold and came back every 10 minutes to say they 're still processing, with no answer, unacceptable I have a copy that I screenshot the email that I got from them that they initiated a dispute back in XXXX XXXX.
I need transunion as well as XXXX  and XXXX  to report correctly that XXXX XXXXXXXX XXXX has a XXXX balance and is a paid and settled credit card from XXXX XXXXXXXX XXXX
I attended XXXX XXXX in XXXX California and was told I had to take out a XXXX XXXX loan to pay for my schooling. When my school closed I received a loan forgiveness for my federal loans but had to continue paying for my genesis loan. They have transferred my account to University Accounting Service LLC and I would like to have these loans forgiven due to my schools closure.