WillisBack/dataset-financial-user-claim huggingface dataset:
I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately!     XXXX / No know ledge of this debt!  XXXX /  XXXX -No knowledge of this debt! Ive never had a  XXXX  account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently!    XXXX  reports   XXXX   times, have n't even been to college so this could not be true! I have no knowledge of this debt.  XXXX   XXXX , Same as stated before, I have no knowledge of this debt.     XXXX   XXXX   XXXX  - No knowledge of this debt.     XXXX   XXXX  - No knowledge of this account!     XXXX   XXXX   -No knowledge of this debt!    XXXX   XXXX  -No knowledge of this debt!   I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit!    XXXX   XXXX  /    XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX    All these inquiries are unauthorized! Please help me to remove these things off my credit.  They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!
I am having issues with creditors being able to pull my Equifax credit report. I have applied for credit with my bank, XXXX and get denied because there is no credit history. I was part of the Equifax breech and I enrolled in trustedID XXXX and when I update my report, there are no accounts 0 for everything. I 've tried to pull my 3 bureau report with other credit monitoring companies and because something is going on with Equifax, it will not give me my score. I have called Equifax and they verify there is no freeze and say there is nothing wrong on their end because they can pull up my file, but no one else can, not even me! I called TrustedID and they say the same thing, but no matter what I do or where I go for credit, no one can access Equifax. I have XXXX and XXXX credit monitoring services and they update daily. I have XXXX and XXXX and XXXX scores are updating, however, Equifax will not update.
United Acceptance  is reporting this vehicle, which was a voluntary repossession, wrong.     They are showing a Balance of {$9200.00} and a  Past Due  of {$13000.00}. This makes no sense. We should owe the balance of what they sold the car for minus what we owed on it.   If we owed {$9200.00} then the past due MUST be less than {$9200.00}.   This makes no sense. Please have it report correctly
The claim is false. It was not submitted to the insurance company as indicated. It contains false statements as payment collected from insurance and states incorrect information. I had issues with XXXX XXXX XXXX XXXX in the past. 
Basically, either the bill was not submitted as required or I am not the patient that received this service
Received a call from phone number XXXX stating that they were Dynamic Recovery Solutions and I needed to call them at XXXX, I have no debt that is not up to date. I did not return his call.
# 1 -- PayPal/Ebay Inc Auction where as XXXX transactions were disputed, PayPal/Ebay, withdrew money from my paypal account despite teh buyer recieving th eitem, without verification that the buyer did not recieve after seller verified that the item was shipped and delivered, after complaint. # 2 -- PayPal/Ebay Inc, Did place a hold on my account in the amount of {$70.00} after a dispute was filed by a buyer for an item sold for {$5.00} with Shipping of {$7.00} ( {$13.00} ), this is in excess of {$56.00} abover item in question, i believe this action to be theft and criminal, as there is no basis to hold XXXX times the amount in question. I wish for criminal charges to be brought against PayPal/Ebay for their theft from my accounts, and forbidding me access to my money and property, as this additionally is a violation of their terms and legal bounds
I closed my paypal credit account earlier this year and tried to reopen starting in XXXX but Paypal and I have called them numerous times. They said that their company is changing their funding bank and they keep saying that they expect it soon and keep giving me dates it should change. I feel because I come from a conservative state and they are notoriously a liberal run company as evidenced by their refusing to put a paypal facility in N. Carolina just because N.C. wants males to use male bathrooms that they are trying to punish people from conservative states that don't agree with their liberal policies. I had that account for many years and first obtained it from the XXXX XXXX XXXX company before Paypal took it over. I have paid this account back for many of years and even the representatives I have talked to don't understand what is holding it up. Paypal has sent me several letters telling me to contact them directly but each time the representatives turn me down due to this supposed change of bank. It's time someone at Paypal fixed this or get off their a -- and opened my account back up.
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.A QWR and NOE was sent to your office on XXXX/XXXX/XXXX on behalf on XXXX XXXX. The lender has failed to respond or acknowledge the legal QWR and NOE. When called the lender confirmed documents had been received
I maintained a savings account for my son's college money at Bank of America from XX/XX/XXXX to XX/XX/XXXX. I opened it as a Balance Rewards Money Market account with no monthly charge, which was why I selected that type of account. Over the years I used it to pay my son's college tuition and other expenses. On XX/XX/XXXX there was XXXX in the account and no monthly charge. The following month Bank of America changed the account to a Money Market Savings account without notifying me, and began to charge a XXXX fee every month after that. I continued to use the account, assuming there was no service fee until XX/XX/XXXX, when I discovered the fee and closed the account. During these two years I used the account sporadically to transfer money online to my son, never seeing any notice of a service fee. (At this point I can't remember if I received statements in the mail, by email, or not at all. After I discovered the service fee in XX/XX/XXXX, I asked for a paper copy of each statement from XX/XX/XXXX to XX/XX/XXXX, which I now have.)When I complained to the Bank about changing the account to a different one without informing me, they refunded 6 months of service fees (XXXX), but refused to refund the remaining XXXX.
On the night of XX/XX/XXXX or early in the morning ofXX/XX/XXXX my debit card from Chase Bank was stolen from XXXX XXXX XXXX XXXX. It was used for the transactions listed below, totaling {$670.00}. I reported the card stolen the next day ( Claim # XXXX was assigned to my case ) to Chase Bank over the phone and it was put on hold. I was also told I needed to go in person to the Bank in order to complete the claim. On MondayXX/XX/XXXX I visited the chase bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX and spoke with someone who assured me it would all be taken care of. The {$670.00} was credited back to my account. After a review process I was told by chase ( on XXXX ) that due to inconsistencies and the fact that the person who used my card was able to correctly input my PIN # chase bank was taking away the {$670.00} credit they had previously given me. Therefore I am losing {$670.00} from my bank account.
1 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 2 ) NON-CHASE ATM FEE-WITH Fee {$2.00} 3 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$4.00} Cash Back {$20.00} Debit card transaction {$24.00} 4 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$9.00} Cash Back {$20.00} Debit card transaction {$29.00} 5 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$2.00} Cash Back {$20.00} Debit card transaction {$22.00} 6 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 7 ) XXXX XXXX XXXX XXXX XXXX WIXX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 8 ) XXXX XXXX XXXX XXXX XXXX WI XX/XX/XXXX Purchase {$1.00} Cash Back {$20.00} Debit card transaction {$21.00} 9 ) XXXX XXXX XXXX # XXXX XXXX WI XXXX XX/XX/XXXX Debit card transaction {$29.00} 10 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX  ATM transaction {$20.00} 11 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$40.00} 12 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 13 ) ATM WITHDRAWAL XXXX XXXX XXXX  XXXX ATM transaction {$200.00} 14 ) NON-CHASE ATM WITHDRAW XXXX XXXX XXXX XXXX ATM transaction {$44.00}
All XXXX credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious back issues and could no longer drive or work to make the payments on the car.I lost the ability to walk. Had to go to a wheel chair for almost XXXX years and through pain management for XXXX XXXX before i lost XXXX disks in my lower back. They just disintegrated. I now have nuts and bolts and rods and screws holding me together. This can all be verified. I had to have major XXXX in XXXX XXXX of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story
I 'm filling a complaint because I have an XXXX XXXX account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called XXXX XXXX and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by Experian has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.
XXXX XXXX XXXX-I believe this is a XXXX Capital One credit card originally.

XX/XX/XXXX Capital One CFO sent Certified Mail return receipt requested sent to dispute debt, no response.

XX/XX/XXXX sent second certified mail return receipt requested sent to CFO Capital One, no response.

XX/XX/XXXX, 3rd certified mail return receipt requested letter sent to CFO Capital One, disputing debt, no response.

Then, I filed a complaint with cfpb # XXXX, no response from your company.

I have sent XXXX 2 letters of dispute with no resolution. NO ONE from XXXX NOR XXXX  has validated the debt since XX/XX/XXXX.

I quoted the FDPC they were in receipt of notice to validate the debt, they refused legally 3 times with no response as to the validity of the alleged debt.

I am sure this is in the records that XX/XX/XXXX has when they bought the debt second hand from Capital One.
I am just being made aware today of a lawsuit in which a judgment was entered in favor of the Creditor XX/XX/XXXX. The case was filed in District Court XX/XX/XXXX by Lendmark Financial Inc in XXXX XXXX MD and represented by Attorney XXXX XXXX XXXX, XXXX. On XX/XX/XXXX they filed to have my wages garnished. However, I was never, ever served with a summons even notifying me of this lawsuit, and never received any documentation thereafter until being notified TODAY by my Employer that the are attempting to garnish my wages. I called both the Attorney and the Creditor to obtain to get proof of Service and to get my payment history and have not received any response or help with this matter. This case has been sitting here for 8 YEARS and I was never notified, never properly served or given the fair chance to resolve a debt that was opened 11 years ago. I now run the risk of losing my pay when I feel like I was never given the chance to resolve this to begin with. I can not even tell if they filed the lawsuit within statutes because no one will provide the date I was in default.
Someone applied for 2 credit cards that I did Not authorize!!!

1 ) Citibank Na, XXXX  XXXX  on XX/XX/2019 2 ) XXXX XXXX MasterCard,  sporting goods on XX/XX/2019 I am reporting fraudulent activity!!!
Applied for loan in XX/XX/2018 and had the following experience : 1.  Representative gave me a list of documents they needed, but wasn't specific, so I had to find and upload different documents related to the same income. 
2. Many first-line customer service reps have thick accents and talk so fast you can't understand them. 
3. On several documents, I had to submit the same document 3-4 times, despite telling the reps that I'd already provided those docs. 
4. I answered the same questions 4-5 times, e.g. " what bank does your pension check get deposited in? ". From this and other repetitive issues, I deduce that their internal processes are not thorough, nor are their people well-trained. They obviously do not take good notes from their conversations with loan applicants. 

5. They promise a decision within 24 hours. It took 6-7 days for me because of all the duplicative questions and requests for documents. 

Definitely NOT a good company to do business with. Regardless of my loan decision, I would be filing this complaint. People should not have to go through this.
I have tried numerous times, during the past month, to link my TD checking account to a brokerage account ( s ). For whatever reason, TD Bank locks me out of my account, during the actual process of trying to link my TD checking account to my brokerage account ( s ). 
I am presently on-hold waiting for another 35+ minutes, on the telephone, for a CSR to assist me. This is the second time, today, that I 've had to deal with this ridiculous situation. This morning I tried to link my TD checking account, a few minutes ago, I tried to link my TD debit card. 
I 'm also perplexed, as to why on the TD login screen where the question is asked about 'Where did you open your TD account? ' There are only three available state choices, and they are : Connecticut, Delaware, and Florida. .Well, that 's a problem in itself, because none of these states apply to my account. Then, to top that off ... The customer is forced to actually lie, in order to move forward, to the next screen. So, my first choice was Florida, since it 's also a state in the southeastern U.S.. My account was opened in South Carolina. , and that state is not one of the available choices. 
As a former banker, for many years, my banking expertise tells me that this issue is definitively one that needs to be addressed, IMMEDIATELY. 
Honestly, I am so fed-up with this particular TD Bank problem, until I 'm contemplating disassociating myself with TD Bank. It has truly become a vine of thorns in both of my sides, and is not worth the constant aggravation. 
I also bank with two other banks, and I have never had a chronic issue like this before. I have banked with one of those banks for over 34 years. 
Please try to convince TD Bank to remedy this issue. Problems like this, are really not good for TD Banks reputation, customer service relations, and quality of overall services. 

Warmest regards, XXXX
CitiCard changed my credit report XXXX 2016 without notifying me. I called the number to request per the XXXX Fair Debt and Practices Act to send me a company letterhead with the amount they stated on the credit report as past due agreed as full settlement and once payment is received a confirmation letter of receipt and complete release would be mailed back to me at the address on file. Due to Identiy Theft several times in my life, I no longer give social or birthdate info where it is not required by law. CitiCard refused to send me the requested bill paying letter above without the personal info even though i had the last payment, address on file and other ways they could have checked. How can you help me pay the balance with complete release?
I owed a debt of {$520.00} for a XXXX XXXX credit card. When I was unable to pay, a debt collection agency, Portfolio Recovery, began calling to collect. 

In XX/XX/2018, I spoke with them about paying off the debt. I had about {$300.00} dollars to pay. I asked them if they would accept his as payment in full, and remove the amount owed from the credit reporting agencies. They agreed to this amount. 

In checking my credit report today, I saw that {$200.00} is still listed as a balance. I called them to ask them about this account. They indicated I had " settled '' the debt, not paid it off. I informed them their agent had agreed that I would not owe any further amount if I made the {$300.00} payment, and they would report it as paid in full, and this is why I agreed to pay at that time. 

When I called, I informed them I felt that had lied to collect the debt, and they apologized, but indicated they would do nothing to rectify the situation. They indicated they could not contact the reporting agencies to fix this error. I informed them I would be making a report about this lie.
XXXX XXXX ( XXXX XXXX XXXX ) Lost in court over a {$6400.00} Collection claim on XX/XX/XXXX I received a judgment in my favor. Since then it is still on my credit report negatively affecting my score. They have violated my rights and have slandered me to the point where I can not get a loan, due to the fact that this is still on my credit report for almost a year to the day. All three credit reporting agencys : Equifax, XXXX XXXX & XXXX are aware and are in possession of copies of my proof the judgment in my favor was mailed to all three of them XX/XX/XXXX. Since then I have received three months worth of updates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX from all of them saying the investigation results are verified and updated the disputed item was verified as belonging to you and information was deemed accurate ... .... I would like you to please send complaints to all three of them they are all in violation of the fair debt credit act as well as the creditor. I have called them several times and they will not give me an answer they will not give me anything to go on. I also received a letter from XXXX XXXX saying that XXXX XXXX was deleted from my credit report on XX/XX/XXXX but all three credit reporting agencys are still showing on my credit report and it is over {$9000.00} that is still reflecting negatively on my score I would also like you to send a complaint to them regarding this as well.
The car loan in question is past due, due to waiting on the insurance company to pay off the totaled car.They start calling at XXXX XXXX and the calls stop at XXXX XXXX, my problem is the almost 16+ phone calls in between.
My servicer for my federal loans is ( XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ). I am enrolled in automatic debit by FedLoan Servicing for my student loans. I am enrolled in an Income-Based Repayment plan. I am also enrolled the Public Service Loan Forgiveness ( PSLF ) program. According to the PSLF program, after I make 120 payments ( 10 years ), then my federal loans will be forgiven. Last year, I enrolled in graduate school, and unbeknownst to me, XXXX XXXX placed my loans in deferment. I never consented to this, and I would have never authorized it if someone at XXXX XXXX had attempted to contact me. As a result of my loans being placed in deferment, I have lost out on ~12 payments into the Public Service Loan Forgiveness program. I complained to XXXX what has happened, and they have sent me documentation with many inaccuracies ( from XXXX XXXX XXXX initials XXXX  XXXX ). First, they claimed that they contacted me regarding placing my payments in deferment. I do not have any such documentation from them regarding this. Second, they claim that they are " required '' to place my loans in deferment if I am enrolled in school at least part time. These federal " guidelines '' state that my loans " may receive a deferment ... if your servicer receives information from the school you are attending that indicates you are enrolled at least part time. If your servicer processes a deferment based on information received from your school, you will be notified of the deferment and will have the option of canceling the deferment and continuing to make payments on your loan. '' Again, this is not a " requirement '' and I was not notified of this.
The mortgage payment for account # XXXX with XXXX XXXX   XXXX was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my Equifax credit report : Company/Account Name : XXXX XXXX   XXXX Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : XXXX Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : XXXX Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage