WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I had a few unpaid toll road charges assessed to my license plate from the XXXX XXXX XXXX XXXX XXXX. I am a toll tag consumer with XXXX Texas XXXX XXXX. In the state of Texas if you have a toll tag with another agency, your toll tag is operational within the state Texas. Linebarger, Groggan, Blair, & Sampson LLP is a collection law firm for the state of Texas. XXXX fail to notify me about these unpaid charges. They claim they sent invoices to the mailing address associated with my XXXX account. I never received those notices. In fact in XXXX I received an invoice from XXXX and took care of those charges. My mailing address has never changed. After 60 days my unpaid tolls were sent to the collection law firm. They claim they sent notices and phones calls I never received. XXXX XXXX, XXXX was my first notification, because I was renewing my vehicle registration and there was a hold on my registration. I am a law abiding citizen and a tax payer. I would have appreciated if XXXX would have notified me better, so all of this would have been avoided. I have a toll tag account in good standings. Those toll charges could have been deducted from my account. XXXX policies are not set up that way and they do n't share or have access to the different toll agencies. I have been trying to negotiate with the law firm, but they keep giving me the run around. I thought a had a glimmer of hope when a representative from XXXX 's administrative office contacted me to make a settlement with removing some court fees. The total bill is {$490.00} and the administrator offer to reduce the charges to {$280.00}. I counter offer for half of the {$490.00} with {$240.00}. The administrator explained she had to consult with the attorney. The attorney denied my offer and it 's written in their system that I denied the settlement offer and I have to pay the full amount. I need my registration newed so, I will be in compliance with state operating my vehicle on Texas roads. I am restricted to use the toll roads, because this matter is not resolved. This is all a big inconvenience for me. XXXX is being greedy and want to enforce their laws instead of being reasonable and work to with me. I feel I should not have to pay those tacked on fees just the toll road charges which total up to {$14.00}, but I 'm willing to pay some fees, so that I can move on with my life. I do n't have time or the energy to go back and forth with these people. Can you please help me.
I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
There's a fraudulent account that's being reported by XXXX XXXX on my Equifax credit report. I've been fighting this account close to a year now with no results. I've sent in copies of my police report and FTC affidavit notarized and signed by the reporting officer and still nothing. I don't understand, if someone steals your information, opens a fraudulent account using your personal information including address, social security number ; etc, then it's should be a simple process to have the account blocked from my credit report. I submitted this same information to XXXX  and XXXX and the account was deleted immediately. Equifax is the only credit bureau that's giving me issues. I'm trying to purchase a home for my family and can't do so all because Equifax isn't helping the situation. All they keep telling me is the account has been verified.
A GreenSky Credit participating Merchant charged entire amount of GreenSky Credit Line ( {$9000.00} ) without notice, without a legally valid and executed Certificate of Completion, without Authorization to Charge and before commencement or completion of contracted scope of work and against my express request that it not accept said charge. Merchant submitted forged, fabricated and/or falsified documents to GreenSky in order to obtain said payment of {$9000.00}. GreenSky was put on notice of this falsification and continued to honor this change and debt. GreenSky has continued to attempt collection of this debt despite being provided with complete copy of Police Report, Sworn Complaint Affidavit and Dispute Forms. Legal counsel has contacted GreenSky relative to this matter and it still refuses to issue a credit of {$9000.00}.
this company DIVERSIFIED CONSULTANT keeps calling all day, & all night, and i told them they have wrong person, and they refuse to really identify themselves. I told them no sales please, & remove my number. een informed them im on donotcall list. this is beyond harassment. they need to be handled. they curse, they threaten me. bullys.
Experian has not sent me ay verified or original documents of the creditors documentations on file to verify and bankruptcy that wa place on my account under sections law 616 and 617 if they don't do within 30 days it is to be deleted immediately they have failed to comply with my request and under the FCRA they stated this account has been verifiednbut has not provided me documentation
I am filling this complaint because EQUIFAX has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX - that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for 7 or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want EQUIFAX to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.
I took a out a mortgage in XX/XX/2006. The lender advertised low monthly payments and low interest rates which mislead me to take out a mortgage loan. However, the low monthly payment and low interest rate was never apply to the loan I took out. I tried to do loan modifications but even that has been denied several times.
I have both a private loan and federal loans serviced thru Navient. In late May we sent in a payment to pay the balance in full for both the private and federal loans. The check was sent in one single payment and was only applied to the private loan leaving a negative balance on the private, while the federal shows as unpaid. Since XX/XX/XXXX, I have been in constant communication with Navient trying to resolve this issue. Several times they've stated they would correct the issue, but it never goes resolved. The payment is still showing on my private loan while negative balance while negative credit activity has been reported to all credit bureaus. I've spoken to supervisors on both the private and federal sections who both stated 1 ). the money will be transferred to my own checking account so that I can go and make the payment myself. 2 ). they will do an internal transfer from both account to take care of the balance.
I am a long-time user of XXXX and Paypal and have never had any serious difficulty with either while transacting small purchases over the years. For the first time, I attempted to sell an article as XXXX  urged and advertised as being something I easily could do using my existing PayPal personal account. <P/>I quickly sold an article for approximately {$160.00}. Only then was I informed by PayPal that in order to receive proceeds of the sale I would need to establish a business account and verify the associated address. I can not document some of this exchange as it consisted of screen messages I did not have the foresight to grab. I sent a copy of a page of a recent bank statement ( attached as XXXX ( XXXX ) ) in satisfaction of this requirement which PayPal dismissed as illegible and otherwise inadequate as they additionally demanded : A copy of your Certificate of Incorporation A copy of your Business Registration A copy of your Business License I can not comply as I do not have a licensed, registered or incorporated business and was not informed before the transaction such would be necessary. It appears the funds will remain frozen indefinitely and I have no informal recourse to collect them. Similar abuses were the subject of a class-action suit. XXXX v. PayPal, which has been settled. <P/>The attached correspondence and documentation provide details of our exchange and shows PayPal 's unresponsiveness.
I have a relative who is an XXXX at the XXXX XXXX XXXX in XXXX XXXX PA and I have been making periodic deposits into an XXXX account system called Jail ATM. I make those payments on line using my Bank of America XXXX XXXX. On or about XX/XX/XXXX, I received my Bank of America statement. I made a total of four deposits to Jail ATM ranging from {$15.00} to {$25.00}. Added to each payment is a processing fee of {$3.00}. 
I have made similar payments in the past through a different system called XXXX XXXX with the same card and had no issues. However, the recent bill classified each deposit as a " Bank Cash Advance '' and charged a transaction fee of {$10.00} for each plus a minimum interest charge of  {$1.00}. In the end, my total fee for providing the inmate with a {$25.00} deposit was {$14.00}. This is outrageous and predatory. It preys on families who are more likely to be struggling financially, yet need to provide for their loved ones with a small amount of assistance so they can make phone calls, buy food or simply purchase paper and stamps to write home. It is unbelievable to me that this is allowed to happen. 
On XX/XX/XXXX, I called Bank of America and spoke with both a representative and a supervisor. I pointed out my past experience when this was not considered a cash advance and questioned how this was any different than the contribution I made for hurricane relief on the same credit card statement. The response seemed to be that they treat this the same as my withdrawal of cash using my credit card at an ATM. The supervisor said he could waive some of the fees but not all. On XX/XX/XXXX,  I called the XXXX XXXX XXXX to determine my options for depositing funds. They are limited to credit or debit cards or depositing cash directly into a kiosk at the prison - two counties and two mountain ranges away. On XX/XX/XXXX, I also called Jail ATM ( XXXX ) and they stated their terms and conditions do state that fees may be charged but those fees are completely separate from their {$3.00} processing fee. They responded that the difference from my past experience is that Jail ATM makes the money available to the inmate within 24 hours. They do not wait for it to clear which can take days.

Attached are two Bank of America statements - one with transaction fees and one without. Please excuse my scribbled notes on the attachments.
I went on line and noticed that financial controls solutions had put a collection remark on my credit reports. This is the same collection that XXXX is trying to collect on ( but will not validate ) and XXXX is trying to collect on ( But also will not validate ). financial control has not notified me in writing that they were going to try to collect, and i have never done any business with them, nor have i signed a contract or owe them any money. I have requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. they have been shady and have not followed the rules set. they can not be trying to collect an account that is active with another collectin agency and they must by law give me a chance to dispute the account ( which i will through court ) before hitting the credit reports
I checked XXXX around XXXX XXXX as I prefer to stay on top of my reports. And then again on XXXX XXXX to find that I have over XXXX hard inquiries. I was not notified or did I give my authorization for over XXXX of them. I only authorized XXXX. My signature is no where on these authorizations. I called and spoke to numerous representatives who just assume to hang up on you or tell you repeatedly that they can not help with hard inquires and they also tell them me that no one was affecting by their glitch. Even with proof in hand they absolutely refuse to connect you with a supervisor or anyone in an American offices to handlebars matter per your request after XXXX + calls I gave up. None of the reviewers remotely helpful or even knowledgeable some knew and would say more or less sucks to be you and some XXXX even quiet belligerent and knew if the issue but told you too bad
paypal monitors tracks XXXX activity account holder balances a refund of XXXX dollars received for the sale of the vehicle XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Member id XXXX ( Feedback Score Of 21Yellow star icon for feedback score in between 10 to 49 ) 100.0 % XXXX XXXX ( Contact Member ) Available Quantity : XXXX Shipping cost : See description Buyer Zip : XXXX Tracking number : [ Add ] Watch Count : 8 XXXX note : An unpaid item case is open for this transaction. {$800.00} Buy It Now See description XX/XX/17 Checkout complete paypal has closed the account after receiving XXXX dollars making it unavailable
In between XX/XX/XXXX-XX/XX/XXXX, I stayed in an apartment complex by the name of XXXX XXXX XXXX..I moved out in XX/XX/XXXX-XX/XX/XXXX, I cleaned out and left everything in good standing condition and was told by the manager at that time i would receive my deposit back..I recently started working on my credit and noticed that they have me in collections, I have tried on several attempts to dispute this and each time the results are that " I owe this amount ''. I went into the office in XX/XX/XXXX and spoke with the leasing manager and she said she didn't see how i owed anything and that according to her ledger the complex owed me ( which would be the deposit that the previous manager said i would be getting back ) so she was going to contact the corporate office and for me to come back in 7 days. I went back a couple of months after that and there was new office staff, so I discussed this issue again with new management and was told that she didn't see any reason why I would be in collections because she didn't see one listed and that my file was no longer in the office, so she took my information and said that she would be contacting me. I have yet to be contacted every time I try and call the office I am told the same thing someone will contact me..I know i could possibly not owe this ( 1 ) because I was on Section 8 at the time and when you're on Section 8 before you move to any other property or house you can not have a balance, and my Section 8 paperwork was signed off with a XXXX balance and no property damage. If you could please look into this it will be greatly appreciated, I am trying to remove this off my credit so I may continue to clean my credit and obtain a good credit standing. The amount they're saying I owe is {$2300.00} and also they have this debt listed as JOINT, but it should be Individual because I was the only one on the lease accept for my kids. 

This is the company info : MUTUAL MANAGEMENT SERVIC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX My Name is XXXX XXXX and the address at that time was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX
About XXXX, I worked at the same job for 19 years rapidly climbing the ladder to a management position. During the next several years my credit was excellent. During the downfall of the late XXXX XXXX I had financial problems and some hospital bills that eventually led me to bankruptcy. All debts were listed as required by the courts and my bankruptcy was settled, stamped-and I had 10 years of basically no credit. The 10 year waiting period was over about 4 years ago-and my credit score has regained it 's once good rating. I 'm still only at XXXX, but out of the 5 cards that I have-2 credit and 3 store cards totalling XXXX worth of credit with an outstanding balance of all of them combined of about 6,000usd. I have applied for an American Express card twice in the last year. They have denied my request because of the fact that I added that account to my bankruptcy and still owed them money. My bankruptcy is completely off of my record. Why would one credit card company be able to do this when all others do not even keep those records. They have been forgiven as they are insured. The XXXX XXXX XXXX XXXX that I had for many years was actually given to me by my employer. I made the payments that were not business related, but it was still under the business name. Is it legal for them to do this? I can certainly live without one of their cards, but why are they able to hold onto those records that were dismissed by the federal court system in XXXX XXXX a long time ago. That is their reason for not issuing one to me-een a green or now a blue XXXX! It is because I owe them money-from a business account that actually belonged to the business, making them the responsible party. I listed it to protect myself in the event that a special law would in fact make this my responsibility, which I felt it was, actually, thus listing it. They are holding onto these records now for 20 years now. XXXX did not do this or any other card I now hold in good standing again. Thanks for your time. Happy Holidays-regardless of what the XXXX XXXX! I do say XXXX XXXX to my family, but what is this nonsense of being too politically correct? Oh-wrong timing here. Sorry! 
Regards, XXXX
Im having issues making my car payment i called to see about different options due to payday changes avaliable cust rep said i had to wait 6 months to make any changes
In XX/XX/XXXX and XX/XX/XXXX my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. US Bank took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to XXXX even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to US Bank which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.
a Company call XXXX showed up on my consumer credit report on XX/XX/2017 as " XXXX XXXX ''. Their address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone number, ( XXXX ) XXXX. I NEVER applied for XXXX XXXX from this company, never.
I signed a lease with an apartment complex without having a guarantor ( need XXXX according to the contract ) and the day after, I had to cancel it because my roommate was no longer able to move up as a result of a background check. I tried to cancel the lease in writing the following day and they told me I was stuck in it. I told them I would not be living there and to rent it out to someone else. They in turn rented it out. Over a year later, they contacted me telling me I owed over {$8000.00} for the lease. Upon receiving this bill, I called, told them the problem, and now they are trying to charge me {$350.00} for a cancellation fee. They rented out the room without telling me anything about it and were originally trying to charge me the full amount until I called. This is criminal. I did not live there and cancelled within 24 hours.
LVNV FUNDING LLC ( LVNV FUNDING LLC   XXXX   XXXX   XXXX     XXXX , SC  XXXX  is reporting that I owe them {$1000.00} for some type of loan. I do not have a contract with them nor have I ever had any business with LVNV Funding. The account was removed from my credit report on   XXXX   XXXX  , 2017 and was reinserted on my credit reports on the same day. I was not sent a notice 5 days prior to the debt put in collection, so by law this debt has to be removed.