WillisBack/dataset-financial-user-claim huggingface dataset:
Our business was contacted by merchant services provider that they could save us on XXXX processing fees. They proceeded to have us sign up for a 4 year lease with First Data Leasing to the tune of {$7700.00}. We decided not to proceed with XXXX as we found a better deal before we ever hooked up the equipment with First Data Leasing. First Data Leasing and XXXX are not allowing me out of the contracts even though I never used either of their services. The women whom signed us up was told repeatedly that we did not want to be under contractual agreement however she convinced us by saying we could get out if they could not save us money. We found a way better deal only a week later before we ever hooked up the equipment.
Macy 's Credit card services and their in-house collections Company, Citi-Bank, claim that my account with them is unable to be resolved. I want to pay the debt, but Macy 's wo n't accept payment because they have a 5 year statute of limitations. Since they are no longer looking for payment they claim I owe nothing, however they will furnish no correspondence to me to that effect. My concern is that the bureaus wo n't update it to show that I owe nothing because Macy 's wo n't update this with them. The Bureaus will continue to report for 2 more years, in the meantime Macy 's still reports on my credit account as recently as XXXX XXXX, with the initial being in XXXX of XXXX.
I spoke with a young lady on XXXX/XXXX/2016 I believe from this company..she informed me of the balance owed. I advised her I did not want to get any calls from their agency. She then had an attitude and demanded payment. I asked again for no more calls and disconnected the call. 
I receive another call on XXXX/XXXX/2016. I was not able to answer. I called them back XXXX/XXXX/2016 at XXXX and let the agent know I previously requested not to be called. He said he is going to mark my account as a refusal to pay ( misleading ). I said I am not refusing to pay, I just do n't want any calls. He said they can stop the calls. 
I called again and spoke with XXXX on XXXX/XXXX/2016 at XXXX to get the company info and my account number. I asked him for their company website. He did not want to provide it to me. He kept asking why I needed it. I said I wanted their company info and a place to make my payment. He said I can only pay over the phone with a card or check. I stated I still wanted the site. He provided https : //halstedfinancial.com/ I said thank you and disconnected the call. 
Their site does allow for online payments, therefore agent was misleading and lied.
I was charged on my XXXX account a {$4000.00} that was not mine and then a credit was given. A new charge was again done for the same amout and XXXX started calling to collect the momney. The account was sold to Asset Acceptance LLC. and they continuosly called me demanding payment for something I did not owe. I was sued by them and had to paid several attorneys with money I did not have. I had to close up my son 's Pre-paid college account and depleat the little savings I had in order to paid these attorneys. I finally had to pay Asset Acceptance LLC money I did not owe so they will not keep ruining my credit as they already had. I had paid between attorneys and bills I did not owe around {$12.00} dollars
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, Experian , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail.
Sincerely XXXX XXXX
I have PayPal Credit. A feature they advertise is that if you buy something, you get 6 months no payment/no interest. I made two purchases through PayPal with PayPal Credit. PayPal Credit refused to apply the no payment/interest promotion to these purchases. This is because apparently if you choose to pay for goods and services through the " send money '' feature on PayPal they do n't qualify. PayPal never made this explicitly clear when they changed their terms, not do they warn you when you pay for the transaction. It is deceptive advertising for them to say it 's 6 months no payment/interest over a certain amount when PayPal purchases ( which is what you use PayPal credit for ) do n't qualify. It 's a scam.
My credit card account was hacked and used to make a payment to paypal. My credit union notified me of this the next day and I filed a dispute with Paypal but they did not give me an option for Malware attacks. Paypal awarded the claim to the hacker and does not give me the option to refile a dispute. In other words the hacker got away with this due to a flaw with Paypal.
They called my job and told a co-worker what company they were calling from when she asked who was calling. That is no ones business and they should never contact my job. They keep calling me all day long.
XXXX XXXX sold my mortgage to XXXX. I have been paying {$50.00} to {$100.00} more on my mortgage every month for at least 3 years and maybe more than that yet it seemed as if the principal never went down. So then XXXX sold my loan to Loancare. I did n't even get one payment in and they raised my payment yet I know taxes did not go up because the value of my condo has gone down. It was one of the first payments of the year and they found a way to bilk me out of almost {$200.00} because they say there was n't enough money in escrow. Of course there is n't it was only XXXX so nothing had accrued as yet. I did not agree to make that amount of a payment when I bought this condo and if they can artibitrarily raise my payment then they can say well now you have to pay a XXXX a month more or a XXXX dollars a month more cause we say so. I know my mortgage does not provide for that.Do n't I have anything at all to say about who has my mortgage and can they just force me to do anything they say when that is not what I signed up for at all? I have never missed a payment and have paid extra almost every month.
On  X/XX/2017     Wells   Fargo took  all money from one account to cover the negative balance in another account. I called to dispute the claim. The customer service transferred me 4 times. I did not receive the funds back. I have not signed any documentation stating they can take money from  one  account to cover the next. They took almost {$700.00} from my account.
Hi, I had several consumer accounts that I have had for years that were part of GE Financial Services. GE Financial sold off all of their consumer credit accounts to XXXX XXXX. As soon as Synchrony took ownership of my accounts they began a systematic lowering of all of my account credit limits, and closed without notice at least two of my accounts that had a {$0.00} balance.
When I called to inquire why I was told that my balances were to high in comparison to my credit limits. I explained that they were not in this condition until they had lowered all of my credit limits. They proceeded to then go off on a tangent about my overall credit etc., etc. Even after I have paid off two of their accounts, they continue to chase the balances on my remaining accounts with them. With a tiny bit of research I found that this is a widespread practice of XXXX XXXX, and that I am not the only one that is having their credit score damaged by this practice. I have always paid all of my accounts, and continue to do so. IS there anything that can be done to stop this practice? Thanks, XXXX XXXX
PayPal has completed a hard inquiry of my credit report that has caused my credit score to be charged with a hard enquiry. I have not utilized or authorize PayPal account to do the credit report and was notified by my financial institutions protection monitoring system that my debit card was used to purchase items from an unknown source with over {$500.00}. That led me to put a hold on the debit card account and get a new one.
We purchased a brand new XXXX in XX/XX/XXXX. I paid extra for an extended warranty that I feel was never properly honored. First the radio went out after a month, the dealership lied over and over we had to take the bike to another dealership to get it fixed at which point I complanied to XXXX XXXX customer satisfaction and they opened up a case. Few months later the bike had a XXXX, we complained about this on XXXX separate occasions to XXXX different dealerships, the mechanics rode the bike and said it was fine. The bike was not fine it still had the XXXX and now the forks are bent. I complained once more to XXXX satisfaction and nothing was ever done and still the bike has the XXXX. I told them I was not making another payment until they honored the warranty I paid extra money for and still nothing was done. XX/XX/XXXX I recieved a letter stating if I did not pay XXXX by XXXX XXXX the bike would be repossessed. Upon purchasing this bike we traded in a bike that they valued at XXXX plus we put down a down payment of XXXX of our own money not to mention all the payments we made up until the situation. Not only are we out {$15000.00} but we are going to loose a bike that has had problem after problem and nothing has ever been done when we traded a perfectly good bike for this one. My dads name is on the line and he recently suffered a XXXX so I 'm not letting him deal with no ore aggravation over this situation we are in. We purchased the bike in XX/XX/XXXX the dealership still has our stock parts even tho we have asked for them numerous of times. I feel that we have been treated unfairly, we work hard everyday and we 're not rich but we do feel that since XX/XX/XXXX we have been treated unfairly and for us to be customers and giving our hard earning money we should be treated fair. XXXX never done anything to help us out with a bike that had problems but we still continued to make our payments so I feel that we deserve a fair solution and not loose everything that we have put a lot of money out for and wo n't be able to get that money back not to mention its gona hurt the credit report involved. In reality it did not have to come to this if they would have just done what needed to be done in the first place. I paid extra money for a warranty that was never properly honored, and we were lied to over and over again, I feel Harley-Davidson Financil Services should have to make this situation right.
This company has called repeatedly at my office and my cell phone on a debt which happened when I was laid off in 2009. 

Yesterday they called my cell phone back to back times XXXX during the day. They would hang up and then call back immediately. 

I called yesterday left a voice mail and stated that the harassment had to stop and my job was in danger because of their practices. I had already been verbally warned about the calls and HR has confronted me XXXX because they are harassing the department.
Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with transunion and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.
This company, ( Nationwide Recovery Service ) which I hold no contract with nor have received services from, reported collections against my SSN in the amounts of : {$50.00} ; {$50.00} ; {$50.00} ; {$50.00} ; {$130.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested on several occasions verification of the debt and accounts, however the business has failed/refused to provide adequate proof. This business does NOT have a contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I have lodged disputes with XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer  Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
XXXX XXXX XXXX , XXXX, who assigned this account to RAB Performance Recoveries, conducted a presentation to my class at XXXX XXXX, in XXXX, MI. I was attending XXXX for their XXXX program and the recruiters for the XXXX XXXX were recruiting students to be in their XXXX program. The recruiters collected our information and stated that we could only enroll once we had graduated the XXXX program and had been licensed by the state. Following that presentation, I had never heard anything from the XXXX XXXX. I never provided any of the required information and NEVER enrolled in their program. Without my knowledge or consent, this program had taken out a private student loan for {$5400.00} on my behalf. I had never signed for nor received any of these funds nor did I ever agree to any terms for student loan, nor have I ever even enrolled with this school. 

I had no knowledge that this account even existed until I received a Writ of Garnishment request by RAB that was issued on XXXX XXXX, 2015. I am in the process of asking the court to vacate the judgment and allow me to proceed with a defense but that appears to be a long shot because RAB was able to get a default judgment without ever even informing that such a lawsuit existed. There was no attempts to collect this falsified debt until this recent garnishment. 

RAB Performance Recovery is apparently insistent that I owe this debt and has provided no proof of the validated of this debt. And I highly doubt any proof was provided to the court either.
I got divorced in 1997 and yet my ex-husband 's family information appears on my credit report ( specifically his brother - I think my ex was using his identity for credit ). I have contacted the credit bureaus repeatedly to get this information removed from my history and nothing is ever accomplished. The process is confusing, no individual to talk with, and I never even get a response from emails sent. Please assist!
My application for pre-approval was beginning but permission was not given to move forward with the process as the property in question was taken off the market. I called the loan broker and stop the application process before it was to be looked at. The loan broker from Wells Fargo proceed without my written permission or orally expressing my consent.
Since 2010 I have been harassed every six months by US Bank to provide proof of flood insurance. 
Each time I receive a letter that says I must maintain at my expense, flood insurance in the amount equal to the lesser of : 1 ) The replacement Cost of the dwelling ; 2 ) The maximum available under the National Flood Insurance Program, currently {$250000.00} ; or 3 ) The total unpaid balance of the loan plus the total amount of all lines of credit, secured by the above referenced property. 
I currently have an outstanding principal balance of $ XXXX and a flood policy provided by the Condominium for full replacement value of the building for {>= $1,000,000}. I do n't think it matters what the per unit value calculates to even if I am upside down on the loan so long as the policy reflects that it is the " replacement value ''. 
I have also had to deal with in the past that the flood insurance does not match the amount of the hazard insurance. This is not one of the their requirements above. And they have to understand that different insurance companies use different models to calculate replacement value. And if one is over-insured on hazard insurance there is no reason to have the flood at the same value. The key is that the insurance declares replacement value.
I called care credit to check amount balance, at this time i was unable to to obtain information due to my date of birth being incorrect in their system as well as my address. I was unable to verify the security that was asked. Fast forward the bill was then forward to a collection agency I contacted the collection and made a payment arrangement as well as provided my correct address and date of birth. Care Credit was previosuly removed from credit report and now care credit has reappeared on my credit report. I have attempted to dispute this with care credit XXXX i spoke to a XXXX who inform me it would take 30 days from payment to remove ( which was in XX/XX/XXXX ) then she told me i need to dispute with the credit Bureau XXXX I have currently trying to get this updated now and it is still not working.
XXXX XXXX XXXX  has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX XXXX ) and third-party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged balance owed. 

On XX/XX/2018 I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/2018 at XXXX XXXX. this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX XXXX continues to ignite .my requets. They have willfully violated my consumer rights according to the Fair Debt Collections Practice Act. 

Specifically, I requested the documents from their files they used to verify this account. Under the FCRA, I have a right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. 

Who verified this account? What documents were used to verify this account? Where are the documents they used? 

It has been seven months from the time of my initial request for validation and to date they have wrongfully ignored and violated my consumer rights by refusing to validate this alleged debt. 

XXXX XXXX XXXX is in direct violation for continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested seven months ago. It is my connection that XXXX XXXX XXXX   can not provide evidence that I am contractually obligated to this account and as a result, are in direct violation and totally disregarded the law.
XXXX XXXX reported to TransUnion that I owed a XXXX XXXX bill on XX/XX/XXXX. I have called XXXX and disputed the charge 4 times. I have a letter from XXXX XXXX saying that I have {$0.00} balance. I called and talked to transunion again today which is XX/XX/XXXX. And I have asked if they have done an investigation and the said they called and verified with XXXX XXXX that my name address and SSN was correct and the amount owed. 

I asked if they have contacted XXXX XXXX to verify that was correct. They told me that they can not contact XXXX XXXX, I was on the phone to her for about 45 minutes asking her why they refuse to verify the information and they keep telling me they already did 2 times and that the info came back correct. I gave them the name and contact info for the guy that I talked to at XXXX XXXX and she refused to contact and verify that the info was correct because XXXX XXXX is not the one that reported it she said. I told her then she didn't do a full investigation then if she didn't verify where the info came from. I asked to speak with her manager and she said that she was only that i could talk to about this problem. I asked several times and she refused to let me speak with her manager and i asked for her name and then somehow we got disconnected. 

When i was speaking with her on the phone I asked how can they tell this info is correct, she kept telling me they did a investigation. If you dont check with the source you can not be sure the info is correct? How do they know it was really my account? Anyone can open up an account in someone else name and not pay the bill, and then it will go to collections, they took no steps to verify this was my account. They also refused to contact XXXX to verify the info that was coming from XXXX was correct. 

All i want is collections to be removed from my account and there be no record of it on my account at all. I have been fighting with Transunion for months to get this taken off and they refuse to remove something on my account that they refuse to verify from the source.
I attempted to use a credit/debit card to withdraw money from an ATM, after having confirmed my balance and that U.S. Bank, XXXX, KY, was in-network. The ATM ate the card. I called the bank 's customer service line, and was lied to, they were aware the type of card and said if I was there the next day at bank open it would be returned, the bank refused to return the card. I called them again, and was lied to again, the CSR saying that if an ATM took a card, it destroyed it ; she connected me to a branch manager, who confirmed they only return US Bank cards " because they ca n't identify anyone else, '' she did not care that I could bring several government issued photo I.D.s. She also said it was just a machine error/ glitch. So their ATM was at fault in taking my card, I got lied to, wasted time and gasoline, was treated to the worst customer service experience of my life, and have to wait on a new card from my issuer. Nowhere on their ATM does it state that policy of cards not being returned. This is a faulty, if not illegal, business practice.
I received a hard Inquiry on Equifax credit report from XXXX on XXXX XXXX 2017. I was told at XXXX XXXX  where I applied and received a credit card that this is in error as they do n't do hard pulls.
I am extremely angry and dumbfounded at the way Citi Mortgage has been handling my case! At first, I was advised I needed to provide all necessary documents to get a review for My City modification and Principal Reduction Program. My home is severely underwater and I was advised by my lender that I do qualify these programs. Now I am getting noticed that my account will not get reviewed because of a court that I was already granted my home back! Please review the letter and evidence of my case because it is so unfair that I am not getting reviewed!
All collections accounts were DELETED from my credit file on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the deleted accounts were RE-ADDED to my credit report. I called Equifax to have them deleted again. Now, on XXXX/XXXX/XXXX, the same collection has been added under a different collector 's name. I called the collector and confirmed that the amount is the same. They claimed they changed the company name. These collections items are deleted and re-added to my report about every 20 days. Also I have requested that the XXXX Bank account closed in XXXX be removed as it has not ever belonged to me.