WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted the Credit Bureau on XXXX XXXX 2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.
After disputing a debt from a collection agency company named Automated Collections over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from Automated Collections. I have directly disputed the credit bureaus XXXX, and XXXX about Automated Collections claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus XXXX, and XXXX with no knowm resolve as well. I have sent certified mail to Automated Collections on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either Automated Collections nor the credit bureaus XXXX, and XXXX.
I set up automatic minimum payments for all of my consumer credit cards in XXXX for automatic payments to begin in XXXX, XXXX of those accounts being a Barclaycard Account. My barclay payment was due on XXXX and on XXXX I received an email from them asking if I forgot my payment. I immediately logged in to my account to find out that my monthly minimum payment had not been made and as such, a late charge was accessed to my account. I made a manual payment and sent an email to barclay asking what happened with my auto payments. After 2 or 3 days with no reply, I called barclay. Not only was I concerned with the fact that the auto payment was n't applied, I was requesting that the late fee be removed as I felt this was their error. After waiting on hold for nearly XXXX minutes, the rep advised me that my auto payments were submitted successfully but they were submitted after my cycle end date, so they would n't begin until XXXX payment. I completely understand this, although none of my other credit cards do this, and apologized for the confusion. I asked if she would, out of courtesy, refund the late fee. She refused to do so because it was a " valid '' charge. I spoke with her manager XXXX who advised that she wold have refunded it already if she could, but the system wo n't allow it. I feel as if Barclay is taking advantage of me as a consumer by not readily disclosing their policies, especially when the differ so much from other companies. I should have received something from them letting me know my XXXX payment would not be paid automatically so I could have made the payment myself.
Began disputing these accounts as in violation of the provisions of the FCRA and the FDCPA in XX/XX/2017. 

Navy Federal Credit Union ( Settled Account ( s ) ) XXXX XXXX XXXX ( Settled Account ( s ) )
There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, Target breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.
This debt is not mine, my identity was used to open a line of credit for products I never authorized.
I do not remember a charge of XXXX from XXXX. I let Citi bank know. What do you know they play the same ticks as always. I have over XXXX USD of disputes I have asked them to take care of. I am so upset that they keep on breaking the law it makes me sick. I get a letter saying they are doing an investigation and than a email stating that they closed the case because they did not get the information I had my friend mail XXXX and emails I sent. So they closed the case. Why is it out of my XXXX banks these flakes and frauds do not provide the service of communication with their clients? As stated several times now, they do not answer my emails, phone calls, or call backs. They do not follow the law by giving me a fair and honest case they just close without cause and say they never got my docs. This is of course false and it does not make sense. 

I hope these clowns get a full investigation on how this are XXXX their local clients and not giving a fair chance at all. They close disputes with the docs in hand. I have proof of this with my prior disputes and also that they write to my address in the US thatXXXX decided to do a investigtion and now they close the case as I stated they would with all of the docs i have sent.
This complaint is against FCSI aka : Franklin Collection Service , Inc . I want to keep this company from reporting inaccurate information. I do NOT owe this bill of {$62.00} and I expect them NOT to report inaccuracies. 

FCSI has purchased my account from another collection agency after XXXX XXXX XXXX ( original creditor ) & XXXX has since removed their accounts for the amount of {$62.00}. I want to ensure that FCSI does not report this erroneous account to collections. They failed to show me all the proof I had requested to prove that this account that has been removed from XXXX XXXX XXXX and XXXX XXXX, is mine. They also ignore my request to furnish the information in the letters attached and remove this account. 

I wrote to them XXXX times with certified mail and the last time received no response. 

I am disappointed with XXXX XXXX XXXX and disgusted by FCSI companies ' practices.I would never recommend any of these companies to anyone as being honest and forthright. 

I must say, it must be against the law to double dip. All of these collection companies claim this so called " account '' as a loss when they do their taxes. By doing this, they forfeit the chance to get paid, while collection companies also try to collect money from unexpected customers, which is considered " double dipping ''. I would like to shine a spotlight on this and every company trying to do shady business.
I try contacting XXXX via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. In addition, information given during the call does not correlate with activity on my account. There is no holding the cust service agent accountable to my actual account.
I have disputed the late payment status reported on XXXX XXXX XXXXaccount I have disputed the late payment status reported on the account with the credit bureaus for months to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Applied for XXXX Chase XXXX XXXX XXXX Credit Card. Printed out terms and conditions, which clearly state that {$95.00} annual fee is waived first year. When first checking balance, discovered that {$95.00} fee was imposed anyway. Chase customer service supervisor refused to honor terms and waive fee, despite my written proof of this term.
XX/XX/XXXX, I co signed on a car. Later I had to file bankruptcy. Credit acceptance was still sending me letters while I was under bankruptcy. My bankruptcy was n't dismissed until XX/XX/XXXX. I stop working XX/XX/XXXX. I received a citation from the sheriff XX/XX/XXXX. I immediately called the number on the paper to let them know I was not working. I was told when I start working I could set up a payment arrangement. For three years I have been unemployed. I just started working two months ago. I called to set up a payment arrangement, I was told I was garnished and that 's it. I went to the court house they told me credit acceptance never sent me a court date to appear in court. They also lied and told the court I ignored the citation. I have my phone records to prove I called them right after the sheriff served the papers. The citation paper have XX/XX/XXXX for XXXX. The papers that were sent to my job says XX/XX/XXXX for XXXX.
I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM EQUIFAX, XXXX AND XXXX '' ; filled out the form, and the XXXX credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX XXXXXXXXXXXX
I applied American Express 's Premier Rewards Gold card in the beginning of XX/XX/2018 ( Reference #  XXXX ). I have never had such a harassing, convoluted experience in my 50+ years of experience with financial institutions. I have released very personal information to American Express in the form of my taxes and am absolutely horrified at the lack of professionalism with which they request and handle this information. I am filing a complaint 2 months after the initial application due to the following events : I received a letter shortly after filing my application requesting a XXXX and a letter from a bank stating my home address. I provided both of these items in a timely manner. This is in spite of the fact I was told by my bank that it is not in their practice to provide such letters. I eventually was able to obtain a " Deposit Account Balance Summary Request '' that included every single item they asked for ( bankers name and number, branch name, my address, etc. ). At this time I called American express within the next 2 days to confirm timely receipt and processing of these document. This time I was told that they were attempting to contact the banker and were not able to do so ( apparently trying consists of calling- who knows which and at what time of day- number two times ). I was informed that because American Express was informed the banker was out of the office that he would need to call them. Now, I'm no expert but it seems that if the banker ( whom you have now confirmed works there ) is not in the office you could confirm my information with the banker that was speaking with you. During one of my subsequent trips to my bank I did ask my banker to make this call to American Express -- and he did with great difficulty. The first time he called the number provided on the notice from American Express did not connect with the correct department handling my case. The second time I went to my bank specifically to make this call ( after I did research to locate the correct number -- note this is absolutely absurd ), My banker was told the department was not in ( had left for the day ). I asked the representative of American Express to notate on my account that the banker and I had called again and he did. I assumed this was the end of this 2 month fiasco with such a " reputable '' company. Alas, I called back a few days ago and they asked me to go back to my bank a third time and call again. This is absolutely unheard of -- this banker is not my personal assistant and I should not have to make a third trip to my bank for the ineptitude of your employees.
In XXXX, 2015 I applied for an American Express credit card. The offer included a {$300.00} statement credit if I charged {$1000.00} on the card within the first three months. I charged over {$1000.00} and am still waiting for my credit. I call every month and get " We 're looking into it ''. " We 've open an investigation ''. " Please give us six more weeks to look into this matter. '' I called today and was told that no investigation was started but they would be happy to start one. They refuse to issue the credit card credit as indicated in the letter attached to my application. RSVP Code for the credit : XXXX. I tried to close this card today but was told that no credit would be applied if I did.
I have a few concerns that are bothering me.     First and foremost there is a collection account on my credit report that is not accurate and should be deleted please. Based on FDCPA violations conducted by  XXXX   XXXX   XXXX  this account was prompted to be removed after a payment was made an date company violated my rights by harassing me, using foul language and attempting to illegally collect the amount again even though the sum was closed with   XXXX   XXXX   in a timely matter. Asked them to remove the collection, as it violated my rights and was not a collection item to beignet with and the refused me and continued to harass me. They are aware and have removed their account off from my  XXXX  and   XXXX   profiles but for some reason Transunion has not updating their reporting and removed this account completely as it has violated FDCPA law and can not be reported against me any longer.  XXXX  is aware of this and have apologized to me. please remove the collection, it is false.  <P/> ALSO, I would like the remarks under my   XXXX   and   XXXX   XXXX   accounts removed because i am no longer disputing them and they have incorrect remarks next to the account information. They are not being disputed and have not been investigated properly by any FCRA guidelines and therefore i would like the remarks removed. The companies have sent alerts to Transunion to remove the remarks and they have not abided yet.
PAYPAL is currently holding {$1300.00} of my money since XX/XX/2018 even though I satified all of the requirements that are stated in the 1. ) PAYPAL disclousure for holding funds, 2. ) telephone conversations with PAYPAL representatives and 3. ) notices on my PAYPAL account computer page.

In XX/XX/2018 I started listing and selling my collection of toys on XXXX to supplement my income. XXXX required me to open an account with PAYPAL to act as the " BANK '' for payments. I followed the PAYPAL instructions and set up the account as required. I began receiving money for my toy sales which was automatically placed on hold by PAYPAL for 21 days with the option to release my money early if I could provide an proof from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I first provided an XXXX " positive feedback '' from every customer assuming that was what the feedback option was intended for but PAYPAL demanded additional information in the form of an email from the purchaser stating 1. ) the item was received 2. ) they were satisfied with the item they bought. I then contacted every person I sold items to, explained what PAYPAL was demanding for the release of my money and they all replied with mails reconfirming that they were satified along with notes about how they also thought the XXXX " positive feedback '' response should have been sufficient evidence that they were satified to PAYPAL. After numerous telephone calls back and fourth from XXXX, PAYPAL and myself a portion of my money was released. When I started the process to again have the rest of my money from my toy sales on XXXX released, I was again required to " jump through hoops '' but this time with the added demand for and UPLOAD OF PHOTO ID, PROVIDE PROOF OF FULLMENT and PROVIDE PURCHASE RECEIPT FROM THE SUPPLIER. I did as required, going so far as to optain a new NJ MOTORVEHICLE IDENTIFICATION ( I am XXXX   and do not drive ) just to satisfy PAYPAL. I originally submitted my passport as identification which they would not except.

After complying with all of the extra requirements and checking daily to see when my funds would be available I received an email that stated : FOR SECURITY REASONS YOUR FUNDS WILL BE HELD FOR 180 DAYS. I called PAYPAL several times and the representative stated that they did not know what specifically " FOR SECURITY REASONS '' meant and would not transfer my call as the security department did not take phone calls. I tried emailing and submitting comments to no avail. The 21 days hold is long since past. ( XX/XX/2018 ) so my funds should be available no matter what.

Additionally, I requested and explaination in writting of " FOR SECURITY REASONS '' each time I spoke with a PAYPAL representative and have never received and explaination of why or what was necessary to release my money.
I have an erroneous tax lien held against me when I was a minor up to being about XXXX years old. I have got it fixed through the IRS, ( tax lien was filled under my name erroneously ). I have the letter stating that from the IRS that I am all clear and do not owe any money to the IRS. I went to the City to also have it cleared and have all the correct forms that they needed. So I am good with the IRS and the city. Big problem that I am running into is with my credit. I submitted all forms to all three bureaus. I had no issues with XXXX XXXX and XXXX dropping the tax lien the first time I submitted the request. Equifax has been giving me issues for almost two years now. I have submitted numerous request and they have not dropped this tax lien in the there system. I have even gotten an attorney through the military with no results ( due to we cant sue ) so he told to go through this first and then if this does not work to get a civilian attorney. I have not been able to get a loan in almost two years due to this lien that is still being held against me with Equifax.
I have this company reporting a debt which I do not owe, this is inaccurate and false information, I have disputed with nothing being received to validate this account.
XXXX  lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my  credit score  because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.
Several weeks ago XXXX XXXX called and stated they were calling to collect a debt on one of my credit cards. I told them I was in debt consolidation. After that and up to this date ( XX/XX/18 ) this company called ( name appeared on my phone screen with their phone number of XXXX ) every day at least 5 to 10 times, each time phone rang and I answered and they immediately hung up. No person talked and the phone call was then disconnected. 

Tried to call them back at the number displayed and was told it was not a working number.
allied interstate is saying that I owe XXXX {$50.00}. I called XXXX they told me they do not use allied interstate for collecting a debt, it was a scam, I do not owe XXXX anything on my account, emailed allied interstate and told them this and they said they would stop, this was back in XX/XX/XXXX, now I am getting phone calls, and a letter saying that there client is willing to accept {$25.00}. they want me to mail payment to them, allied interstate llc XXXX XXXX XXXX, XXXX, oh,XXXX I do not owe XXXX anything
After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, Specialized Loan Services, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now Specialized Loan Services ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale.
In XX/XX/2018 Citibank decided that it would require customers to enact extra-legal limitations on the legal commerce of firearms and accessories. To the extent that this represents an unacceptable infringement of Constitutionally protected civil rights by a bank that only recently was bailed out by American taxpayers, I ask that Citibank be censured, reprimanded, or otherwise face severe consequence in terms of their future business dealings and with the American government and citizens. The right of a private business to conduct their affairs as they see fit must be respected, however this does not mean that these actions must or should be supported by the US government or citizens. 
I did raise these concerns with Citibank reps by phone calls and mailed letters, receiving the reply XX/XX/XXXX that Citi would not be reconsidering their actions. Subsequently I have cancelled all accounts with Citibank, which represents a restraint on free trade and legal commerce of legal goods.