WillisBack/dataset-financial-user-claim huggingface dataset:
I have numerous inquiries on my Equifax Consumer report dated XX/XX/XXXX and XX/XX/XXXX from multiple car finance companies. I have contacted Equifax numerous times and informed them that I did not authorize these inquiries. My last point of contact was today XX/XX/XXXX. I spoke to 3 different representatives on different phone calls. I was told to call the car dealership that ran the inquiries. I tried to contact that company which is XXXX XXXX XXXX in XXXX NC but it no longer exists. However I was able to speak to a nice lady that works in the credit department for that company as well as the sister companies which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The representative looked into all of their systems and said that she could not find any information on me in order to have the inquiries deleted. She advised me to call Equifax back or to send them a letter disputing the unauthorized inquiries. I called Equifax AGAIN, was unsuccessful. I was told that they could not delete the inquiries and that the car dealerships would need to send a request to delete to Equifax. I 'm stuck in between a rock in a hard place because it seems that I 'm being ran in circles. The confirmation number given to me by Equifax is XXXX.
I been checking my credit and I have found some late payments in my XXXX XXXX  account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm  requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Debt is from a credit card that was discontinued several years ago. Since that time I had attempted to file for bankruptcy but my lawyer died and it was never completed. I had no contact from collector for years and forgot about the debt. In   XXXX    , I was notified that I not only owed the amount previously due  ( which was close to {$6000.00} ) but owed a total of over {$20000.00}. A court settlement was completed without any real chance to dispute and my paycheck has been garnished since. I have paid over {$9000.00} since this settlement and still owe over {$20000.00} due to interest. I am the only person in my household that is currently employed and know very little about how to dispute these charges. I need help with getting this paid down and off so that my wages can go back to normal and my credit can begin to recover.
I recently disputed the following information and Equifax 's investigation results did not delete the expired account from my credit file. Equifax is reporting incorrect information on my credit report in reference to an account XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.
I had a medical bill with a company named XXXX XXXX in XXXX of XXXX. The bill was not paid in a timely manner so it was sent to a collection agency called Choice Recovery in XXXX of XXXX. Within 30 days after Choice Recovery received the bill it was reported to my credit report on XXXX XXXX, XXXX. I contacted XXXX in XXXX of XXXX and asked if I could pay the bill off. The employee informed me that it was at a collection agency and that I had to contact them. I told her that my bill was with XXXX and not the collection agency. She refused to take a payment over the phone. I asked if I sent a money order in to XXXX to pay the bill off what would she do? She informed me that she would refuse the payment and send me the money order back. I waited several months before mailing a money order to XXXX to pay this debt off and they cashed it. I contacted the collection agency in XXXX and told them what I had done. 
I never paid the collection agency so why are they able to report to my credit report? 
Initially Choice Recovery reported a balance of {$130.00} and {$9.00} to my credit report. Now the collection agency is reporting a {$9.00} and {$6.00} remaining balance when there was a money order sent to XXXX for {$130.00} because that is what was on the bill. 
How can a collection agency report to my credit when they were not the ones that was paid? 
I have attached a copy of the bill, the money order and the information from the bank showing that XXXX was the one who cashed the money order. 
If you have any questions please contact me by mail at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX or by phone XXXX or by email at XXXXXXXXXXXX. 
Thanks in advance for helping with this situation. 

XXXX XXXX
went into advnace america XXXX XXXX XXXX in XXXX XXXX  on Friday XX/XX/XXXX to recieve a loan for XXXX to pay an insurance bills, i was between jobs, and collecting unemployment. 

I started work on XXXX/XXXX/XXXX They gave me the loan and charged me a service fee of XXXX when I recieved my first paycheck on XXXX. I came into that location and paid a young boy with cash, who gave me a reciept. 

About three months later, I was being inundated with calls. sometimes twice a day about 15 calls a week every day. I never returned the calls because I had a reciept I blocked them. 

Today I looked into my account and saw that they over drew my account for XXXX I called XXXX XXXX, filed a fraud claim, and had the charges reversed, I revoked the ach authorization and had to close down my account. 

When I called this location they had me blocked. and when i called from another number they hung up on me. 

I am filing a criminal complaint on this location.
Today XX/XX/2018 I spoke with Experian credit bureau regarding a 10 point drop on XX/XX/2018, in my credit score. They said there is nothing I can do to dispute scores. 

On XXXX.18 my score was XXXX after a 5 pt increase. Then XXXX.18 it went to XXXX which is the normal 5 pt increase, HOWEVER on my alert the system verbiage stated that my credit score went up 16 points/it DID NOT increase my score by 16 pts! It ONLY went up the usual 5 pts. Then, and Im sure this was in an effort to correct itself, on XXXX.18 the system lowered my score 10 pts AND IT ACTUALLY TOOK MY SCORE DOWN!!!!! 
The alert stated it was good news and that my credit rating would remain at fair. 
Today Experian staff has stated repeatedly that they can not do anything about my score even though my alerts clearly show that NOTHING adverse happened in that time period to cause the drop OTHER THAN THE ERROR ON THE PART OF THEIR SYSTEM TRYING TO FIX ITSELF UGH! 
They added 5pts. accurate Said they added 16pts. but didnt then deducted 10pts. 
TRULY BAD MATH WOW! 
Ive attached my alerts & history from Experian to show what happened/details.
I opened a complaint against XXXX XXXX XXXX XXXX. Last month on XX/XX/2018 complaint number XXXX.Still I haven't got an answer from this Debt Collector about my DEBT VALIDATION LETTER, *** The CFPB closed this complaint based on their answer they Provided as it follows : " XXXX XXXX XXXX, Mc Calla Raymer Leibert Pierce and XXXX XXXX XXXX are not mortgage servicers -they are still vendors hired by mortgage servicers for the purpose of pursuing foreclosure and would NOT BE DEBT COLLECTORS under settled California Law.Morever XXXX XXXX  filled chapter XXXX bankruptcy on XX/XX/2018 is currently represented by bankruptcy Counsel.Any communication back to XXXX XXXX are complicated and possible prohibited by the Bankruptcy automatic stay allows for a legal respite from certain collections activities***.

I have to stay this debt collector lie and misrepresented to this Federal Agency, I'm attaching a media publication in which XXXX XXXX XXXX Admitted be a Debt Collector the 5TH page attached to the previous complaint in the third column top in the right it says : '' THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED WITH THAT PURPOSE '' Basically this debt collector is lie and misrepresented to the federal agency, and the reason I opened an new inquire is because they still send me this dunning letters the latest I received is from XX/XX/2018.

If the CFPB doesn't take action to stop this Outlaw Company I may file a class Action against them, with another XXXX people who had problems with this Company under the same circumstances, and I already started looking for information on the owners of this company to including in a separate legal action.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised  since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
the college I was attending was XXXX XXXX which is closed three weeksago. I had a private loan with Genesis Lending Company about XXXX andI am still paying for it even after the college ceases its service. So I amlooking for help to stop this payment and get a refund for all thosepayment I have done for more than a year.
I was using 'XXXX '. I got a new provider and XXXX starts billing me with exorbitant bills suddenly generated by them.they asked me to return some equipment and I explained to them that I was XXXX and had no transportation. I told them to come and pick it up.they refused to do so. now I 'm getting called every day and today [ XXXX/XXXX/2015 ] they 've called XXXX already and it 's just XXXX o'clock.
I had a debt collector call my boyfriend and give him information about my account. When I called them and asked why they said that he told them that he was me. I am female he is made. This debt is over 14 years old
CFPB, TransUnion is in direct violation of my rights under the FCRA. I recently informed TransUnion on XX/XX/2018 of an account that is being reported by a company that did not prove legal ownership of the account that is said to be owed to them ( attachment A ). XXXX XXXX XXXX is reporting account number XXXX as an unpaid collection. I do not owe this company anything! TransUnion states that they have verified the account belongs to me ( attachment B ), but did not verify that the reporting agency legally owns the account that they are reporting. TransUnion has not provided me with ANY supporting documentation such as a purchase agreement or bill of sale for this account that would assure me that this account is now owned by them. TransUnion never provided me with an original contract bearing my signature either. TransUnion can not place the burden of proving accuracy on the reporting agency as it is their job to investigate my dispute and obtain appropriate documentation to prove the debt is valid and is rightfully owned by the reporting agency. TransUnion suggests to reach out to the reporting agency when it is their job to prove accurate furnishing of my file. This account is not owned by this company as they have not proven legal ownership, therefore, I owe them nothing and they can not report anything on my credit report.
For the second year in a row my mortage company Shellpoint mortgage has not paid my school taxes which are escrowed and the school is threatening that this is going to their attorney now. These were due XXXX of last year 2014.
Hello, More than a year ago, I had a few expired tabs tickets with XXXX XXXX in Washington XXXX. This debt was sent to Alliance One, who then contacted my employer and garnished my wages. 

I paid the total out of the first pay check I received after they corresponded with my boss and her assistant. {$300.00} was deducted from my paycheck, which was the total I was told that I owed. Today, I received a packet of documents in the mail saying that I had a court day in one month, in a town other than where I live and that I owed Alliance One {$140.00} more dollars. The break down for this amount is a {$12.00} filing fee, XXXX for postage/certified mail costs, {$100.00} for garnishment attorney fees and {$20.00} for other. Do they not have to explain what " other '' is? 

I had not previously received any notice that I owed more money, so the first contact about this amount, was court papers. This seems unfair, to charge me more money again, a year after we have settled and also unfair for them to send me court papers without even contact me first and giving me the chance to clear the situation up. 

I XXXX do not make much money. I have been saving money to go to college and next week is my last week of work. Although to some people, {$140.00} is not much money, to me it is a significant amount of money. i am already stressed about the amount of money I have saved for school and this is an unneeded and inconvenient XXXX that I would have liked to have deal with a year ago. 

Thanks for any help you can offer! 

XXXX XXXX
On XXXX, I filed an dispute with Westlake Financial Service via certified mail return receipt requested. Westlake Returned the certified mail receipt with a stamped signature by XXXX XXXX. In my dispute, I advised Westlake Financial Service to provide copy of contract with my authentic signature that started the alleged debt for an auto loan. More importantly, I advised Westlake Financial Service to provide the above-mentioned document within 15 days of receipt of my dispute. As Westlake Financial Service are aware, if the document requested is not available, the disputed item must be removed from my credit report. Otherwise, their company will be in violation of the FCRA. I did not received the rquested document within the time frame alloted by the FCRA, which is fifteen days. I subsequently, filed another dispute on XXXX with certified mail return receipt requested. Westlake mailed back to me the certified mail receipt to me with their representative signature dated XXXX/XXXX/2015. In this dispute I advised Westlake Financial Service that they received my dispute through the XXXX. Postal Service with me requesting Cerfified Mail receipt which was signed by a representative of their company. I advised Westlake Financial that they have failed to respond to my dispute with the allotted time of 10 days of receiving my dispute. Next, I advised them that they are FCRA violations that have been perpetrated by their company. More Importantly, I advised them that XXXX XXXX XXXX. XXXX, " Responsibility of furnishers of information to consumer reporting agencies '' prohibits their continue reporting of this purported item which can not and have not provided copy of contract with my authentic signature. 
I advised them that notwithstanding their flagrant violation of the law, that I am offering to settle their FCRA violations prior to legal actions with the following terms : 1. They delete this account from all my credit reports and mail evidence of their bureau notification 2. They agree to close this account and sell it to any other collector. 
3.They arrange to pay {$1000.00} for my damages. 

I advised Westllake Financial Service to respond 15 days from XXXX, it is now XXXX, and I have not heard from them.
TransUnion has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA XXXX as a XXXX XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this XXXX and XXXX. I have attempted to clean my credit report with this firm to no avail.
My son and I were driving to Florida. While I was sleeping, on XX/XX/XXXX, he approached a toll and understanding that we have XXXX, he went through the section that allows you to go through. Not thinking anymore about this, I received a letter from the XXXX XXXX XXXX XXXX XXXX that I owed {$25.00}. Concerned, I spoke with a lady that totally understood the situation and said I'm not alone it's happened to others and that XXXX does not accepXXXX XXXX   customers. So rather than contacting me first to pay the {$.00}, they send it to a colleciton agency without notice. I would think that this is not legal to do, making no attempt what so ever to collect it. Keep in mind that there is no sign stating that XXXX is not acceptable and according to my Attorney said if this problem exists, it should be stated XXXX  only and it doesn't. She told me to write a letter explaining what had happened and wait to hear about paying the toll due. I had no problem doing so. She said to address the letter to XXXX and mail to XXXX XXXX XXXX in XXXX, WI XXXX and I did so on the XX/XX/2018. In XX/XX/XXXX, I received a second collection letter that never acknowledged my letter sent in. I called again and spoke to XXXX on XX/XX/18 and again she gave me instructions on what to do to remove this fee and to include a letter of explanation in which I did for the second time that stated the same thing written inXX/XX/XXXXassuming this had been taking care of. Per her instructions, I should get a letter telling me what I owe to pay just the toll which happened to be {$.00}. Then I received a third letter with no acknowlegement of letters 1 & 2 that had previously been written.. This is harassment as far as I'm concerned. Getting real here, do they really think I would intentionally go through a {$.00} toll??? I don't think so
I got a Chase XXXX XXXX card through a promotion on XXXX. Problem is, two months in a row, when trying to pay my balance using the Chase online system the first attempt is rejected. I can log in fine, but their system rejects my payment with a message stating that ( paraphrasing ) there is no balance due and I am unauthorized to make a payment. The balance on the card shows up in my account, but their system rejects a payment before interest is due. HOWEVER when I go back into my account and try a second time, I get a different screen that allows me to make a payment. This was not described as a feature of the card when it was promoted on XXXX. Consumers should be able to pay off a balance to avoid interest. This has been the traditional and customary way of credit. Please help.
ISSUE 1 : PayPal Credit account was opened with several promotions that ran consecutively stating no fees or payments for 6 months each, and at the end of the promotion the interest rate would be applied to whatever balance remained, and your payment would be calculated. Numerous overpayments made when no payment was due on the account. Multiple payments were made in one month. When PayPal Collections was asked how overpayments are applied, they refused to provide an answer, but kept telling me I had an alleged balance that needed to be paid immediately. PayPal mailed credit statements that are different from the online activity statement, and is misleading and confusing to the consumer. I did not see the discrepancy until I did an audit of my account. <P/>ISSUE 2 : PayPal fraudulently removed overpayment amounts from my account by erroneously listing payments as Denied Balance Payment online. The alleged denied balance payments are not listed in the actual paper statement received from PayPal, and there are no Denied Payments on my bank statements. For example, on XX/XX/XXXX and XX/XX/XXXX paper statement mailed to my address there are no transactions listed, but on the online statement it states, XX/XX/XXXX - PayPal Credit Denied Balance Payment - {$260.00}. The other denied payment is listed online for XX/XX/XXXX, but is not listed on any of my bank statements or the paper statements provided by PayPal. The following ( based on PayPal records and statements from XX/XX/XXXX through XX/XX/XXXX ), is the total breakdown by year : XX/XX/XXXX Forward balance in a promotional period was {$480.00} Promotional Purchases from XX/XX/XXXX : {$510.00} ( Total w/ balance : {$1000.00} ) - Payments from XX/XX/XXXX - XX/XX/XXXX : {$540.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$170.00} Total Payments & Refunds : {$720.00} Promotional Purchases from XX/XX/XXXX - XX/XX/XXXX : {$1000.00} - Payments from XX/XX/XXXX - XX/XX/XXXX: {$1900.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : XXXX Total Payments & Refunds : {$2800.00} XX/XX/XXXX - Forward CREDIT : {$1500.00} - Purchases from XX/XX/XXXX - XX/XX/XXXX : {$700.00} - Payments from XX/XX/XXXX - XX/XX/XXXX : {$760.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$160.00} TOTAL APPROX. CREDIT AVAILABLE :  {$1700.00}
I called hunterwarfield inc about one acct that shows i owe them XXXX ask the company to provide me a letter. they refuse I have a seperae acct with them that im currently disputing for XXXX which their trying to combine.