WillisBack/dataset-financial-user-claim huggingface dataset:
I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX XXXX with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the Clerk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with Equifax to have the lien removed from by credit file. I received a notification from Equifax on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..
I opened a credit card with fifth third bank that included an introductory bonus offer of {$100.00} for spending {$1000.00} in the first 3 months. I met the requirement and it was not paid so after a month I contacted fifth third bank. I was told the bonus would be paid within 6 to 8 weeks after meeting the requirement. I met the requirement over two months ago and the bonus has still not been paid. I would like the bonus to be paid.
For purposes of this complaint, I will report only for the year of 2013. 

I was a cardholder and full joint account holder with my ex-wife for Citi Advantage card # XXXX. I was responsible for the debt, the card is reflected on my credit report, Citi provided information on my credit report, payments made to Citi for this card were made directly from my personal checking account to Citi and I have records reflecting thos payments. 

Between XX/XX/XXXX and XX/XX/XXXX Citi collected {$27000.00} from my personal checking account. They refuse to show any charges or provide me with statements. They are saying the primary account holder removed me from the account which reduced me to 3rd party status. I WAS NOT AN AUTHORIZED USER. I WAS A JOINT ACCOUNT HOLDER RESPONSIBLE FOR THE DEBT. The primary account holder was engaged in fraud and will obviously not simply give me evidence that will land her in jail. But Citi was taking money from my account and I can prove it. The balance transfers conducted were made by someone listed as an 'Authorized User ' status that had no responsibility for the debt. I was defrauded by my ex-spouse who was creating debt and conducting large balance transfers on this card. She dropped me off when she filed for divorce and citi is withholding all evidence of the massive fraud perpetrated on their customer, the consumer who was paying the bills! 

The privacy laws cited were designed to protect consumers from unwarranted government intrusion into the private financial records of consumers. They were NOT created for one consumer to hide money stolen from another consumer. Citi is withholding evidence of fraud. I can show they took money from my XXXX checking account - I want to see the debt for which they charged my account or I want a refund right now.
Experian is reporting a XXXX, XXXX XXXX and XXXX accounts on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Experian multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain employment ; I was recently denied a job due to these erroneous accounts. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence. I will name Experian and anyone who touched this dispute, accepted this letter and made the decision to decline blocking the information as a defendant for violating my consumer rights. I will sue for punitive damages as well as legal and attorney fees as well.
Alleged debt is fraudulent. Owner 's maintenance fees were charged to my wife and me as co-owners and paid in full. My wife and I decided to place the time share into my name alone. The Owner 's Association then apparently decided to charge the same maintenance fee that i had paid with my wife to me as the " new owner. '' This duplicate charge is unconscionable and i will be reporting it to all appropriate Federal and State Agencies.
Ya I need some serious help I am so sick and tired of lenders hiding things and making up things that are totally false and untrue just to get your loan and scam you. I put a lot of trust in this compnay and got XXXX. What happen is i was going through XXXX XXXX Branch XXXX and Business development NMLS # XXXX XXXX XXXX XXXX, Building XXXX XXXX XXXX, NY, XXXX Office : XXXX Toll Free : XXXX ext XXXX Cell : XXXX Fax : XXXX Personally licensed in : AL, CA, CT, FL, GA, IL, IN, LA, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TX, VA cid : XXXXXXXXXXXX Corporate Headquarters XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Mortgage Bankers - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my loan was already approved not to worry dont make XXXX or XXXX house payment and to go ahead and get appraisal doen however after getting appraisal there was all these hidden closen cost XXXX closing cost with XXXX less cash out becasue the apraisal didnt come in as they XXXX so i am going with a new lender i will not work with someone who with lie cheat XXXX from me and was treated like XXXX would get very upset with me especially now XXXX XXXX going with him then i saved voicemails where he has been calling me basically XXXX me XXXX me to go with them they will adjust number take out points so on i told them with a emial that i do not XXXX XXXX do this loan he kept on bother me and at time in best he would get very angry and yell at me im tired getting treated like XXXX XXXX lender i XXXX to say that he shoudl not be that way thats totall innapropraiete so I am asking if you help me get the XXXX dollers back from my appraisal or XXXX have them release it over so i can use for the new lender i dont believe that i should pay for another XXXX when i can use this XXXX and all they need to do is XXXX over and give permission to use it. Thank you XXXX XXXX XXXX XXXX XXXX
The subject debt was incurred on XX/XX/XXXX for a XXXX XXXX. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California XXXX tax of {$210.00}. 

I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. 


I did open a credit card at a XXXX XXXX XXXX Store in New York inXX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX, XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. 

I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The XXXX XXXX, XXXX XXXX, XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}
XXXX XXXX, I could not access my account at XXXX XXXX to make a payment. I contacted Customer Service ( CS ) and reported inability to access account and they informed me that a payment had been made leaving my account in a credit balance. I informed them that I had not made that payment and close the account immediately. Gave them my information and was told fraud investigation was being initiated. I later found out that XXXX XXXX accepted the payment which cleared and they opened another account and crooks had access to my account. After many calls, I was finally given a password in XXXX by CS who was sensitive to my aggravation. After that I was in contact with Mrs. XXXX who told me she was sorry and I told her I had not been able to access my account and I was receiving correspondence via email of the changes on my account and they ghad been sending my cards to persons in Fla. No one bothered to close the accounbt in XXXX. Crooks had access to my account, got credit increases and the whole personality of my account changed as I later found out via Mrs. XXXX butr XXXX XXXX kept changing cards and mailing them to everyone but me. My initial credit card was in my possession during these times. XXXX XXXX cleared off some interest and charges but told me I was responsible for XXXX. They accepted the funds received from crooks and yet they were charging me. They got over like a fat rat and I am not paying. I filed a police report on XXXX XXXX after speaking with XXXX XXXX. Report # XXXX XXXX, Ohio police dept. This is a hot mess and I am XXXX years old and now theyt charged off account and gave to collection agency. I told collection agency take me to court and I got all the info for the judge and I am not paying a XXXX dime - ever!
I submitted application on   XX/XX/XXXX to XXXX XXXX a home mortgage consultant, I informed her of recent purchase of a home XXXX and I was seeking a loan for a home remodeling project.  I indicated that I was a customer with Wells Fargo for over 25 years and had several active accounts.    
XXXX XXXX that I met their criteria and we discussed a XXXX  loan.  She indicated that I need to provide the following items:
	Two pay stubs from my wife XX/XX/XXXX & XX/XX/XXXX tax returns
	Mortgage statements on all properties owned
	Home owner insurance
	Pension statements
	Social Security award letters
 These items requested via a letter dated XX/XX/XXXX This was followed by request via the phone, a letter covering my wifes gap in employment, the requested copies of rental roles on all income property, they requested documentation on property sold in XX/XX/XXXX, as well closing statement on property sold XX/XX/XXXX, prior to purchase current home. 
Later the following items were requested:
	Year to date pay stubs for all jobs 2 years of XXXX forms for XX/XX/XXXX-XX/XX/XXXX Year tax returns, personal with all schedules for XX/XX/XXXX-XX/XX/XXXX (XXXX,XXXX,XXXX,XXXX and XXXX Mortgage note, good faith estimate or truth and lending showing the rate of primary and rental purchase
	YEAR TO DATE BUSINESS PROFIT/LOSS STATEMENT GOOD THROUGH XX/XX/XXXX
	 MORTGAGE NOTE, GOOD FAITH ESTIMATE, OR TRUTH IN LENDING SHOWING THE RATE ON THE PRIMARY AND RENTAL PROPERTY ARE FIXED RATES COPY OF THE HUD1 SETTLEMENT STATEMENT FROM THE RECENT PURCHASE OR REFINANCE OR SALE OF A PROPERTY
	 PROPERTY TAX STATEMENT FOR ALL PROPERTIES
	XXXX FORM SIGNED BY ALL BORROWERS PLACE A X IN BOX XXXX, PLACE A X IN THE ATTESTMENT AT THE BOTTOM, PROVIDE ALL SS#S, LEAVE LINE XXXX BLANK
	 LIST OF HOME IMPROVEMENTS) NEED A BRIEF LIST OF HOME IMPROVEMENTS.  HAS ANY IMPROVEMENTS ALREADY STARTED OR ARE WE WAITING FOR THE FUNDS?
	 BORROWERS CERTIFICATION
On XX/XX/XXXX I applied for a Discover card as I had received numerous mailings via US mail from Discover in which a rate of 14.24 % -17.24 % APR was offered on each occasion. I was content with these presented rates and obviously expected the percentages Discover repeatedly offered when I applied. 

On XX/XX/XXXX I received my Discover card and immediately activated the card while simultaneously discovering that I had been inaccurately given a 19.24 % APR instead of the expected and guaranteed 14.24 % -17.24 % APR! 

At that juncture I instantly contacted Discover and began the attached discussions with Discover member of management, XXXX in an effort to address this matter to no avail. I was also instructed to transmit images of the recent flyer I received that explicitly offered the 14.24 % -17.24 % APR via electronic mail to XXXXXXXXXXXX and oddly, the flyer and my reasonable request to honor the offer was completely refused. I was then instructed to communicate with Discover Cards corporate offices. The attached documentation forwarded to the corporate offices were transmitted via US Certified Mail, signed for, and ultimately completely ignored. I then called Discover at XXXX per their e-mail request. This telephonic conversation resulted in Discover requesting that I fax them the mailed offers from Discover that guaranteed the 14.24 % -17.24 % APR which I did immediately to fax number ( XXXX ) XXXX. Two days later I had to call Discover again  as I received no reply to their requested fax and was told that the reason for this refusal after explaining my circumstances and the NUMEROUS 14.24 % -17.24 % APR offers was that the invitation code was not provided when applying. Where and when was this invitation code supposed to be provided? Most importantly, Discover was OBVIOUSLY comfortable with the repeated APR offers sent to me via US mail over and over again. 

Since Discover has sent me at least six offers and one XX/XX/XXXX and another on XX/XX/XXXX with the exact same 14.24 % -17.24 % APR being guaranteed, why would any code be necessary??? I just can not comprehend how this has occurred and I definitely can not understand why my rate would change on the day I applied but one week prior and several days later I received these flyers via US Mail explicitly offering the 14.24 % -17.24 % APR. 
WHAT IS GOING ON HERE? I definitely feel I was LURED into this card with lower APR offers than Discover evidently planned on providing! This is wrong. 


Finally, I am requesting that Discover please honor the 14.24 % -17.24 % APR REPEATEDLY proposed to me over the past six months. Alternatively, it would be reasonable for Discover to agree to remove all records of this Discover Card including the hard inquiries from the credit reporting bureaus. I know Discover is a good card as I have several friends that absolutely love Discover. I want to LOVE Discover. But I do not need to! 


Thank you for your time and efforts in amicably resolving this unreasonable situation.
I received a collection notice from Conserve stating I owe them {$1800.00}. Before calling them I called the XXXX loan company and they said the debt was sold to Conserve and that they ( student loan co ) could not help me any further. The reason for my call is that on XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I had a remaining balance of {$310.00}. This letter will be attached in my complaint. That is the only debt I know of owed to the XXXX loan company. 

On XX/XX/2018, I received a collection notice from Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. This was a " notice '' collection letter giving me 30 days to dispute the debt or pay it before it hits my report. The letter stated that I owe the collection company {$1800.00}. This letter is also attached to this complaint. I spoke to someone who called himself, XXXX, but would not give me his last name and only that he was a XXXX. 

I told XXXX XXXX was confused about this collection notice. That I had a letter from the student loan company, in XX/XX/2018, stating I only owe {$310.00} and I have not received notices stating I owe any more then that. I requested, over the phone to XXXX, that he send me a statement or something verifying the amount owed as I am not willing to pay someone {$1800.00} if I only owe {$310.00}. XXXX then stated ( I hope his calls are recorded ) that he did not have to verify the debt that people who call here know they owe it and simply make payment to them. I told XXXX that I need the actual facts before I make a payment to you or anyone else. He stated he did not have to provide any information to me. I then told XXXX that I am officially disputing this account and that until this is resolved I don't wont it reported to my credit report. He said nope, On XX/XX/XXXX if you have not made payment we will report it to the bureaus. I told him how can I pay {$1800.00} when I believe I only owe {$310.00}. I need to see what the difference is before I make a payment. Also, your letter states that I can dispute this debt. He basically said he doesn't have to provide any information, that I should know I owe it, and that it will report to the bureaus regardless of my complaints and official dispute on XX/XX/XXXX.
It was recently discovered that a very large data breach occurred within the Equifax system. After some research I was directed to Equifaxsecurity2017.com to determine whether my personal information was impacted. The following message was shown after providing my personal information : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 
Click the button below to continue your enrollment in XXXX XXXX. 

While I have since enrolled in Equifax 's XXXX as well as XXXX XXXX  XXXX programs, which are both FREE. I have, in addition been able to put a block on my credit profile for both of these agencies without a cost. 

The problem I now have, is when trying to achieve the same sort of credit block for XXXX, I am directed to a FEE-ONLY service unless I qualify as a victim of identity theft. 
I feel that based on the type of data that was compromised ... Social Security numbers, birth dates, addresses and even some driver 's license information ... all of which can now be potentially used without my knowledge for the rest of my life, that I would qualify as a victim of identity theft. Therefore, I feel I should qualify for a free credit block/freeze option from any bureau collecting and reporting my information. 

XXXX specifically requests a valid copy of a police report, investigative report or complaint filed with law enforcement agency to qualify for a FREE credit freeze. 

Please send me a certified copy of my formal complaint so that I can protect myself against any potential future threats against my livelihood.
I checked my credit report and saw an account from XXXX XXXX for {$650.00}, original creditor is City of XXXX XXXX. XXXX XXXX reviewed and investigated the complaint. Someone named XXXX XXXX replied and I sent him an email at XXXX. I paid the original creditor and expect this account to be deleted from my report.
XXXX XXXX XXXX {$76.00}, {$350.00}, {$770.00}, {$330.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 

I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.
I continue to receive collection letters from a servicer that has not proven it has authority to send me collection letters.
XXXX is trying to collect on a debt that is well over 10 years old, and well outside the 7-years rule on credit reporting. They are in violation of their subscriber agreement with Experian, and there is no other recourse but to permanently delete the collection from my personal credit report. This posted collection is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This item must be deleted and my file must be purged permanently.
The phone will ring. I will then answer it although it display as Portfolio Recoveey or Scam ... I then say Hello several times no response. But the line is still active no response on the receiving end. I then request to not call this phone number any longer, only for the party to then hang up the other line. They then will call again from a XXXX area code then hang up once I answer. This is a continuous basis and very much harassing to me.
I purchased Lite Coins for XXXX $ from Coinbase on XX/XX/2018, and since I maintain a XXXX credit card balance, I immediately paid off my credit card balance. The company appeared to have some glitch due to which they reversed or attempted to reverse recent transactions. But since my credit card was at XXXX balace their XXXX $ reversal did not go through. They did not realize this and in trying to rectify their error, they charged my card XXXX . I tried to work with their customer service for several months with no result. Eventually, in the month of XX/XX/XXXX, I disputed the amount with my CC company and they validated my disputed and cleared it for me. What Coinbase did now was they cancelled the purchase of my Lite Coins on XX/XX/2018 and took them away which is so wrong. I have been trying to reach their customer service, facebook, twitter but no luck anywhere. They just do not respond. I am so tired of their extremely poor customer service and just want my coins back and I hope to get help from here. Thank you very much!
Everyone they agree to temporarily stop my payments I never receive the paperwork promised and they continue to hurt my credit. I 've requested the paperwork on  4 d ifferent occassions.
XXXX Equifax and XXXX are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/XXXX
I am writing about a company called ACR ( http : //www.acr12.com/ ). I received a text message from a telephone number local to the area where I live ( ( XXXX ) XXXX ), to my cell phone stating : 'Failure to respond to this collection notice will result in account escalation. Call ACR XXXX to resolve this delinquency. This is from a debt collector. ' I called the number included in the text message, which was a call service, and was told to go to the ACR website and enter my claim number.

I am unfamiliar with this organization. I have no idea how they got my telephone number and why they are contacting me via text message - which I did NOT authorize - about an unspecified debt. I filed a complaint on their website as well. As I understand it, according to the Telephone Consumer Protection Act of 1991, this action may be in violation of my rights.
I contacted the lender, Credit Central in XXXX, SC, because I am past due on my account and wanted to let them know I would be in today to pay on my loan in the amount of {$71.00}. I received an angry letter on my door the day prior and wanted to work towards catching up my loan. I asked for XXXX, a man who I assume is the manager. He has left multiple aggressive messages on my phone. When I told him my name his first words were " Hey XXXX, do I have to come out there and choke you? '' I asked him not to say that and nervously laughed. He just said " Ok. '' I explained what I could pay today. He said I owed {$140.00} now. I said I could atleast do the {$71.00}. He said that was fine and then said " Do n't make me come back out XXXX again. '' I said nothing back but only replied that o would be in today. I felt very threatened having a strange man say he would choke me and then adding for me not to have him have to come back to my address. What can I do about this? This is ridiculous and scary.