WillisBack/dataset-financial-user-claim huggingface dataset:
There is a {$590.00} collection account from XX/XX/XXXX on my Experian credit report. I have disputed this multiple times, and it still remains. XXXX XXXX XXXX is the collection agency, and XXXX XXXX is the original account. 
When XXXX came to my door in XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused. 
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on. 
I have called Experian and a new dispute was opened since I discovered the class action settlement. Per the results, XXXX XXXX XXXX validated the collection amount and stated it will NOT come off my credit report. 
I have contacted XXXX XXXX XXXX 2 weeks ago, and they stated there is nothing they can do. 
I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current Experian credit report, and the dispute results. 
**Any and ALL information can be found at XXXX XXXX XXXX regarding the class action settlement.
Credit Acceptance account XXXX, have reported in my credit that i voluntary repo, i didnt my estranged husband jump on me and took my car in XX/XX/XXXX and i havent seen it since, ( call police and they told me it was his property as well even though he wasnt on the loan ) until one day he call and curse me out saying haha i turn ur car in, but when i call credit acceptance i was told that they didnt have my car and that i need to file a report, so a few days later the police confirmed that it was a voluntary repo, but wasnt by me about that time i finally got the company to admit they had it, it was sold and never was given any info how much it was sold for until seen on my credit, they havent reported since XX/XX/XXXX, this is and repo on my credit that could have been avoided if they wouldve admitted they had my car and i paid to get it out, but they didnt, now this bad Mark on my credit they just have here no updating just there, i tried to reach out to them plenty times with no help this is unprofessional and really dont care now since it been almost 5 years they lied to me that they didnt pick up my car i never volunteer them to do that as they report on my credit .. please help
SOUTHWEST CREDIT SYSTEMS , L.P . 
Last reported : XX/XX/2018 {$740.00} For some reason South West is trying to charge me {$740.00} i do not own a south west credit card and i have paid for each one of my tickets online with the use of a Debit Card.
XXXX has reported XXXX inquiries to the Experian credit report that do not belong to me, dated XXXX XXXX and XX/XX/2016. The report lists these as bank credit card requests. Experian has not allowed me to make an online dispute, remove these from the report and place a fraud alert on my account. I am understandably concerned. Someone else had made these credit requests.
I obtained a loan to purchase household item. The company is named American First Finance. For the first payment I was supposed to pay it on XXXX/XXXX/2016 but I did not have the funds so I got into a chat session with someone in the company and they were supposed to change my due date. On XXXX/XXXX/2016 at XXXX I received a text message from my bank stating I was {$300.00} in the red. I contacted the company and they said that they would arrange the due date to show the XXXX of every month. They told me that they would not provide me a refund for the {$150.00} that my bank charged me for all the insufficient funds charges but they would adjust my account accordingly. In XXXX they again took the whole payment without reflecting the credit they were supposed to apply to my account. My bank provided me that credit and only paid the company balance between {$210.00} and {$150.00}. To this date they are still charging me the whole payment for the month of XXXX. I let them know that I will not pay another nickle until they fix my account.
My lease started on  XXXX   XXXX  and it was supposed to end on  XXXX   XXXX  bu t GM Financial took me to collections o n  XXXX   XXXX  and my lease was only 10 days past due. I am the only person with an account with them that has been taken to collections and I was only 10 days past due not 40 days late they also extended my contract they state my next payment is due  XXXX  and I only had a 24 month lease contract.Is that legal I have signed documents stating when my contracts begin and end.
I have tried to dispute the debt on several occasion, and also attempted to get the information from the apartment complex which they do not have. I only owed one months Rent which was {$670.00} and they are trying to collect {$1400.00}.
They have reported a high balance along with the payment history even after the account was closed. This is a violation of my FCRA rights.
My CFPB complaint on XXXX/XXXX/2016 was not resolved this business stated they will send me validation of debt, we are now XXXX/XXXX/16 and I have yet to receive any information. In my last complaint the business stated that I have been inconsistent with my complaint because I disputed with the credit report agency 's that the account is not mine and now I want Validation of debt. Obliviously if the company keeps trying to collect even after my dispute the persons who the account is affecting will ask for validation of debt, so i do n't see the inconstancy here? Their response says I was sent numerous letter which is FALSE! How can I send a timely request for verification or validation, When I have never received a letter, I noticed the company on my reports. The business also failed to address the phone call to me that went against The Fair Debt Collection Practices Act saying he is in the process of suing me and filed documents with the XXXX court, and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15. The business also failed to address the inconsistent information that has been reported to my credit files with different balances owed and dates given.
I signed up on line for a XXXX XXXX credit card. When I submitted the application, they instead created a XXXX XXXX XXXX which is not what I signed up for. I know about this scam because I know people who bought stuff on XXXX and without their knowledge the purchases were defaulting to XXXX instead of their bank accounts, and at ridiculous APRs. I called right away to tell them I do not want a XXXX and it has been over 2 hours talking to people at XXXX. The minute I tell them I want to cancel a XXXX they transfer me to an indefinete hold queue. This type of sleazy bait and switch I would expect from used car sales, not a large company like XXXX.
I have contacted XXXX, Transunion and XXXX to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/2018, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX  said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX   an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/2018, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.
I have two accounts reporting on my credit report that I am disagreeing with. These two accounts are XXXX XXXX XXXX # XXXX & Exeter Finance Corp XXXX XXXX. I reported to XXXX XXXX, XXXX XXXX and simply ask them to verify the documents are mine under the FCRA. They claim that the documentation is mine but they failed to provide me a copy of any original documentation or contract with my signature on it as required under the FCRA section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly deleted all information which can not be verified.The credit bureaus have given me such a hard time about this and it has made my life miserable, and I 'm a forced to live like a second-class citizen.
There is a company called Commonwealth Financial reporting I owe a medical debt which I have not been to the hospital in many many years. I feel this is a mistake. I have disputed and it resolved nothing. Please help
Our mortgage company demands we carry homeowner insurance to protect the property. We can get homeowner 's insurance but because of our budget, we need to pay it off monthly. The mortgage company demands we show that we paid for the entire year. When we explain this to them, they say they will add the insurance to cover property only and then overcharge us to make additional money. The insurance they are charging us, only covers the building and property and not our personal possessions. We can get insurance for our home much less expensive that would include our personal possessions, but the mortgage company wo n't allow us to do this. They insist on adding overly expensive coverage and adding the fees to our mortgage payment. We think this is a rip off.
Called a number that I thought was navient ( XXXX ). This number was given by a XXXX ad subscriber with the web address www.navientinfo.com or www.navient-info.com individual that answered claimed to be from navient. Tried to get me to log them into my fedral fasfa website. Went as far as putting my email in and sending me the reset email and asked for the password reset code. Obvious identity fraud.
I was trying to get a home and was told that i had to pay that off or show that there was a payment plan provided so i call Hunter Warfield to talk about the account and they said they could do the payment plan but they will not send me a copy of the agreement and i have have talked to other debt collectors and they said it was by law that they have to give a copy of that and i can not get them to give me a copy im not wanting a paper saying its paid in full just a copy on the laid out payments are going to be they can be reached at XXXX Thank you XXXX XXXX
I used convenience checks on my Barclay MasterCard for home improvements I did in XX/XX/XXXX. One was for the amount of XXXX. On the following statement charge appeared twice. See attached XXXX statement. Contacted recipient who confirmed he received only the XXXX amount so the problem was with Barclay. Spoke with XXXX ( no last name ) in XX/XX/XXXX and given case number XXXX. Then on XX/XX/XXXX spoke with XXXX who confirmed it was an erroneous duplicate charge and assured me it would be resolved. 
The charge was then reversed on my XX/XX/XXXX statement but then was RECHARGED on my XX/XX/XXXX statement, inexplicably. 
I have since contacted them twice, on XX/XX/XXXX and spoke with XXXX XXXX identified as XXXX ) who verbally acknowledged this additional error and assured me it would be reversed, this did not happen. 
Called again on XX/XX/XXXX and spoke with XXXX ( XXXX ) with no action taken. In each instance I have called I have been mailed a letter saying we are unable to help you at this time. 
I hope you can help me. This has caused me severe emotional distress and I feel I am being intentionally ignored and feel completely defrauded and victimized by this horrible bank.
Around XX/XX/XXXX, XXXX XXXX XXXX allowed someone to open an account under my name, I never opened, approved, applied to this company or even spoke to them. Someone received a credit card for the amount of {$400.00} and immediately Maxed it out. I wasnt aware of this account until i received a letter from a collections agency demanding payment. The account closed after 120 days of non payment in XX/XX/XXXX, i have reported this numberous times to all three credit agencies and XXXX XXXX XXXX   refuses to remove it. I have sent numerous requesting verification of the debt with no response over the last 6 Months. They are unable or unwilling to send any form of verification. I have spoken to XXXX XXXX XXXX directly and they refer me to the collection company that the debt was sold to, I have contacted the company many months ago and they removed the item from my credit report after my requests for verification were unable to be accommodated. I wish to see this removed from my credit reports and have since then placed a credit lock on all 3 credit agencies on behalf of myself.
I contacted Experian in regards to a request to for a full refund after finding that I was charged 2 months of full membership. I informed the representative that I called in to customer care to request cancellation of my 7 day trial. I was unable to speak with a representative after following the prompts to cancel membership. I was intructed to input my social security number and upon doing so, I received a thank you message then soon after the call was disconnected. I was under the impression that I had made a mistake so I called in for a second time to be sure that I completed the request and followed the same prompts and received the same response. I am now being told that in order to cancel a request I would need to speak to a representative, in which, it isnt stated anywhere in the terms and conditions section on their website. No one has addressed the fact that the automated system gives you the option to cancel a membership but apparently the system is faulty. Ive also included a screenshot of my cell phone statement that shows the calls made in to the contact center.
I received a cortisone shot on XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX MI. 
I received the first bill from them in XXXX. I attempted to call to make payment arraignments but never made contact with a human. I left a message and never heard back from any rep at XXXX XXXX. I made my first {$50.00} payment XX/XX/XXXX with a note stating that I could not talk to a human and will make {$50.00} payments each month until the debt of {$540.00} is paid. I have done as promised. I called XXXX XXXX and spoke with XXXX on XX/XX/XXXX ( not sure of the spelling ) to see about a reduction in the fees. She yelled at me that I must pay in full now when the debt total was down to {$290.00}. 
I received a call on my cell today from XXXX XXXX XXXX XXXX agency and a message was left but I deleted it erroneously believing that medical debt can not go to collections if payments are being made. Immediately after the call to my cell phone, I received a call at work. This is totally unacceptable. I did not get the woman 's name but she threatened to report the debt to the credit agencies if I did not pay in full. I told her I pay {$50.00} every month and to never call me again.
I have contacted Equifax several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : -XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX
I opened a new account with wells fargo, i was told that I would be receiving a bonus of {$200.00} as an incentive for opening the account. This was not by any means my motive for opening my account. To my surprise less than a month after I opened the checking account a deposit of {$50.00} was put into my account from wells fargo. I didn't know why and found out that it was a portion of my promised bonus. I found that strange and when I inquired about it via telephone no one had heard of them segmenting the amount in this way. So I was told that after a number of days I think 90 days I would receive another {$50.00} but never did. Of course there was criteria that had to be met and as far as I could tell by painstakingly going over my account details I had met their crtiteria. Any way that's my first complaint. Now they took {$10.00} as an account fee because I had only made 8 not 10 transactions during a period of a month, well I was about to make my 9th and 10th when they froze my card due to some phony activity I've never heard of!! I feel ripped off and lied to, played for a fool.
I have encountered the issue with Citibank twice now where I have called them to cancel my credit card and close out the account and when I go to check it several days later, the account is still open. When you call in, the customer service representative will bring on an " account specialist '' to assist you with closing the account. You can tell them 100 times in a row to close the account and they will speak over you and say ok you agree to our promotion and so forth. In this last case, they signed me up for some offer and left the account open. Clearly, they employ some shady individuals who clearly receive some sort of perk for retaining customers. Beware of these people as you will more than likely have to call several times and cross your fingers hoping that the account is closed and you are not billed for services you never requested as well as an annual fee. I consider it harassment. It is as bad as a timeshare pitch which is not right. You should not be harassed and charged exorbitant fees for trying to close your account.
A debt for {$780.00} has been on my credit report since XX/XX/2018 from COLLECTION company called CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX, TX XXXX. XXXX ) XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is not a request for verification or proof of my address, but a request for VALIDATION made pursuant to the above named Title & Section. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay you. If any negative mark are found on any of my 3 major credit bureau 's this action might constitute fraud under both Federal and State Laws. I will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT, REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION, PRACTICES ACT, & DEFORMATION OF CHARACTER.

IF your office are able to provide the proper documents as requested in the following declaration, I will request at lease 30 days to investigate this information. If your office fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted & completely removed from my credit file & a copy of such deletion request shall be sent to me IMMEDIATELY.

CEASE AND DESIST.

CREDIT/DEBT COLLECTOR DECLARATION 1. NAME & ADDRESS OF ALLEGED CREDITOR 2. NAME ON FILE OF ALLEGED DEBTOR 3. ALLEGED ACCOUNT # 4. ADDRESS ON FILE OF ALLEGED DEBTOR 5. AMOUNT OF ALLEGED DEBT 6. DATE THAT THIS ALLEGED DEBT BECAME PAYABLE 7. DATE OF ORIGINAL CHARGE IFF OR DELINQUENCY 8. WAS THIS DEBT ASSIGNED TO DEBT COLLECTOR OR PURCHASED 9. AMOUNT PAID IF DEBT WAS PURCHASED 10. COMMISSION FOR DEBT COLLECTOR IF COLLECTION EFFORTS ARE SEUCCESSFUL PLEASE SEND A COPY OF THE AGREEMENT WITH YOUR CLIENT THAT GRANTS JEFFERSON 'S CAPITAL SYSTEM THE AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PLEASE SEND A COPY OF ANY SIGNED AGREEMENT DEBTOR HAS MADE WITH DEBT COLLECTOR OR OTHER VERIFIABLE PROOF DEBTOR HAS A CONTRACTUAL OBLIGATION TO PAY DEBT COLLECTOR. PLEASE SEND INFORMATION OF ANY AGREEMENT THAT BEARS THE SIGNATURE OF DEBTOR, WHEREIN HE/SHE AGREED TO PAY CREDITOR. PLEASE ATTACH COPIES OF ALL STATEMENTS WHILE THIS ACCOUNT WAS OPEN.

PLEASE PROVIDE THE NAME & ADDRESS OF THE BONDING AGENT FOR XXXX XXXX XXXX XXXX, IN CASE LEGAL ACTION BECOMES NECESSARY. & AUTHORIZED SIGNATURE FOR CREDITOR.

YOU MUST RETURN THIS COMPLETED INFORMATION ALONG WITH COPIES OF ALL REQUESTED INFORMATION, ASSIGNMENTS, OR OTHER TRANSFER AGREEMENTS, WHICH WOULD ESTABLISH YOUR RIGHT TO COLLECT THIS ALLEGED DEBT WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT OF THIS LETTER.

YOUR CLAIM CAN NOT & WILL NOT BE CONSIDERED IF ANY PORTION OF THIS FORM IS NOT COMPLETED & RETURNED WITH COPIES OF ALL REQUESTED DOCUMENTS. THIS IS FOR VALIDATION MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE ALLOW 30 DAYS FOR PROCESSING AFTER I RECEIVE THIS INFORMATION BACK.