WillisBack/dataset-financial-user-claim huggingface dataset:
CONSUMER REPORTING AGENCY DID NOT COMPLY WITH FCRA REGULATIONS AS IVE BEEN DISPUTING THIS ACCOUNTS ACCURACY THE ENTIRE TIME, PAST COUPLE MONTHS, I HAVE YET TO RECEIVE ANY PHYSICAL PROOF OF THE DISPUTED ACCOUNT IS ACTUALLY VERIFIED TO BE MINE.

CHECK MY UPLOADS AGAIN TO SEE THE DISPUTE LETTERS I'VE INITIATED ENFORCING THE CREDIT LAWS.

" According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. " You've dismissed yourself from not having had ever removed this account from my report so there's no reinsertion laws broken by you but how can you look past the fact you've never sent me clear physical proof of a verified account you allow to remain disputed on my report for a period of over 2months. You were unable to provide me a copy of verifiable proof, so you must remove the account from my credit report, thankyou!
XXXX XXXX ( or XXXX  ) with GC Services has call me numerous times, seems like every day. I spoke to XXXX and she indicated she was collecting money of XXXX XXXX. I told her I would pay the outstanding bill by the end of the year, yet she continues to call every day this week. I told her that calling me everyday will not help but she still calls.
Professional Bureau of Collection in XXXX XXXX XXXX XXXX XXXX XXXX has taken an old debt from XXXX that shows closed and paid on my credit report and opened a new debt through their company for {$6200.00} as a collection on my credit. I have worked hard to repair my credit and this dropped it significantly. How is this even legal to open a new debt on my ss # with their company. Please help me to rectify this situation.
TD Bank is blocking me from accessing my account information via external applications. This reduces my ability to use my funds as desired.
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
I established autopay on a new account with Synchrony Bank. I have an email confirmation f the autopay enrollment with dollar amount and confirmation number. A payment was never applied. I called Synchrony this morning, and was cut off, upon calling back I requested a supervisor, who informed me they have no record of the autopay, and that I would need to fax my email confirmation to them, for them to consider, if I had a valid issue. It is unacceptable to me, that they could not take my confirmation number to validate I had enrolled. According to them, they had no record of my autopay enrollment. This is unacceptable. I was told I can not forward the email, as they can not accept emails, only faxes. I now need to fax the email confirmation to them, and they will " consider '' reversing the late fee. I will no longer do business with Sycnchrony, and will be closing the other accounts I have with them. Given this account has a 0 % interest rate for x months, I am wondering if this is something they do intentionally, to earn fees off those who pay their balances in full on these promotions. 
It is a condition of my employment that I maintain my personal finances in an impeccable manner, therefore, an issue like this can cost me my position, or at a minimum, put my career in jeopardy.
OnXX/XX/XXXXI received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me onXX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXXBank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in.
I attempted to send money to my daughter via PayPal 's " send money to a person '' feature. Usually, this is an instant transaction. This time, it wasn't. Instead of an instant transaction, PayPal issued an e-check which takes 3-5 business days. When I looked up information about how to cancel this, I found this on their site : https : //www.paypal.com/XXXX   XXXX & XXXX & XXXX " Can I cancel an eCheck? 
No, but the recipient can cancel an eCheck. If we have not begun processing the payment at the time the recipient makes the request, we will cancel it outright. If we have already begun processing the payment, we'll refund the money into your PayPal account. '' My daughter immediately canceled the transaction. Yet, PayPal took the funds anyway. When I tried to reverse this to get my funds faster all of my requests were refused. I have to wait as long as 8 days to receive funds that they took out of my account when I didn't intend for them to come out at all. 

My bank, XXXX XXXX, also would not help. 

I'm attaching two files. One, a screen capture that shows the transactions were canceled and the second, a screen capture that shows the money came out of my account anyway.
I have paid the debt and Equifax refuses to take it off of my credit report, or host an acceptable means of filing a dispute.
XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )
I have repeatedly attempted to make reasonable monthly payments and have been offered upwards to $ 700/month which I can not afford in addition to over the over {$1000.00} I already pay monthly in student loans. The other day set up a payment to attempt to catch up with the understanding that I would need to obtain and submit additional information regarding my finances. I shared that my co-signer has XXXX XXXX and my father was a XXXX XXXX. My father, who is not a co-signer on the loan, set up a payment I am unable to afford. This is in addition to the payment I had set up for this month. Navient knowingly set this payment up with an individual who I had shared has an XXXX XXXX XXXX and that is XXXX most, if not at all, times. I hope that they did not pursue my father for payments knowing his XXXX  condition.
After a payout from my divorce on XX/XX/XXXX I received a phone call from the Chase Branch in XXXX XXXX to tell me I qualified for as a Chase Private Client ( although at the time my balance was tens of thousands of dollars under the qualifying amount for this status ). I went to the bank and and they organised this change in status and switched all of my accounts over accordingly ( that included my going from an entry level checking account to an account which has no fees as long as there is a minimum high balance or other qualifying events associated with my accounts which this large deposit suddenly made me eligible for ). Several months later I decided to move most of my money to retirement investments and around six months after I qualified for the Private Client status, I received another phone call to tell me I was disqualified from Chase Private Client for not having a high enough balance in my Chase accounts. I had to return to the bank and have my accounts switched back to regular accounts becasue my low income and savings meant my minimum balances would generate fees. This was all taken care of by the person who was managing my Chase Private Client status. I have since had to purchase check books and so on for this account as anyone would with a regular account. Given my salary and savings, and after transferring my funds into my retirement, if I were to walk into the bank I would not qualify for this account. 

I did not realise, until today, that the bank for some reason did not change my checking account back to a regular entry level account when they took away the private client status and changed my savings account. I have been charged $ XXXX/month for my checking account becasue they funds have been under the minimum $ XXXX. I had no idea that they skipped changing my checking account when they changed my savings and happily took me out of their program ( for which I stopped receiving any benefits from back when I lost the status - i.e no free check books etc ). I called chase and they offered to refund 2 of the payments. I believe the bank should refund all of the payments of {$25.00} they have removed from my checking account since they made the error back in late XXXX. They said I should have read the fine print on every monthly statement becasue the conditions of my account are written in there. I was led to believe I had been switched back to my regular entry level account that I had before they changed it. 

I would like to initiate a claim for these {$25.00} payments. I believe the bank made a error and are are trying to mislead me into thinking it was my fault by trying to blame me using the " read the fine print '' line. It doesn't hold up in this case.
Enhanced Recovery Corp  is the agency representing  XXXX  who is the original creditor for this account collected against me for the amount of {$1500.00}. I found out that they reported it again by  XXXX ,    2016.  I have sent letters and complaints about this account ; I have being asking for  XXXX  to open an investigation since the time the transaction was done to find out who steal my identity, also how and where they did it?, I am trying since yeas ago without any success. In fact, they refused to open an investigation and still forcing me to pay for  XXXX  devices I never purchased in firs place. I am statementing that I have being a victim of Identity Theft and harassment from  XXXX  and  XXXX  collection agencies related. I need help, please. This is illegal and unfair.
I was told that I would be charged a one time fee. The fee is {$230.00}, and they 've broken it down as follows after logging into their website : 2Sign Loan Agreement CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : XXXX XXXX XXXX, XXXX, d/b/a Rushmore Financial ( referred hereinafter as " Rushmore '' ) Mailing Address : XXXX. XXXX XXXX XXXX, SD XXXX Telephone : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX XXXXXXXXXXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Borrower 's Bank : XXXX XXXX XXXX XXXX XXXX Account : XXXX Loan Number : XXXX In this Consumer Loan and Arbitration Agreement ( the " Agreement '' ), " you '' and " your '' refer to the Borrower identified above. " We, '' " our, '' " us '' and " Lender '' refer to Rushmore, an arm of the XXXX XXXX XXXX of South Dakota, a federally recognized XXXX tribe. " Loan '' means this consumer installment loan. 

-TRUTH IN LENDING DISCLOSURES : The disclosures below are provided to you so that you may compare the cost of this loan to other loan products you might obtain in the United States XXXX Our inclusion of these disclosures does not mean that we or any subsequent holder of the Agreement consent to application of state or federal to us, the Loan or this Agreement. The table below details the maximum payments and costs to the extent periodic payments are made for the full cycle of the loan which can be reduced upon early payment of the Loan. 
TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
669.1667 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$3200.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$700.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 

{$3900.00} Your payment schedule will be : Date Amount XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$260.00} XXXX/XXXX/XXXX {$250.00} XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$210.00} XXXX/XXXX/XXXX {$200.00} XXXX/XXXX/XXXX {$190.00} XXXX/XXXX/XXXX {$180.00} XXXX/XXXX/XXXX {$170.00} XXXX/XXXX/XXXX {$160.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$130.00} XXXX/XXXX/XXXX {$120.00} XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$100.00} XXXX/XXXX/XXXX {$92.00} XXXX/XXXX/XXXX {$81.00} XXXX/XXXX/XXXX {$69.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$46.00} They only posted this information after my loan was issued.
I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XXXX/XXXX/XXXX reported this to XXXX. I have XXXX insurance, which totaled the car on XXXX/XXXX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XXXX/XXXX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the XXXX department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XXXX/XXXX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.
I recently signed up for the Citi Premier card which offered XXXX Thank You points after spending {$4000.00}. After completing the spending requirement Citi told me I would not receive the bonus because I had closed an XXXX XXXX XXXX XXXX XXXX card in 2017. The terms of the offer had no mention of the XXXX XXXX XXXX XXXX XXXX   card affecting my eligibility for the bonus.

The offer stated : " Bonus ThankYou Points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months. '' https : //citicards.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX 2014 someone attempted to obtain a credit card in my name with XXXX Credit. I discovered it on my credit report and contacted XXXX Credit. They did an investigation and determined it was fraud. They followed up with timely correspondence and notified XXXX credit bureaus and instructed them to remove the item from the Hard inquiry portion of my credit report. XXXX removed the item almost immediately..Equifax has not XXXX XXXX fraud department has now notified Equifax XXXX different times. I have written XXXX letters filed XXXX online disputes and spent many hours on the phone with Equifax. Initially Equifax claimed they could not verify my identity ... they requested my birth certificate my drivers license my marriage certificate XXXX utility bills and my XXXX be sent to them. I was reticent to send such documentation but went ahead and sent it. I received another letter in response from Equifax telling me to resend the documents which I did not do ... I called Equifax and they said they had the documentation ... Yesterday I received yet another letter from Equifax again asking for the documents that they already verified they had. With my corresponce to Equifax I also included copies of all the corresponce to me from XXXX verifying that the item was indeed fraud. Equifax told me they do have that correspondence from me but that it is worthless because it must come from XXXX direct ... I advised them XXXX fraud department has sent XXXX letters and they claim they do not have any such letters ... I contacted XXXX and the assured me they have indeed contacted Equifax. The XXXX fraud department then sent an additional letter as follow-up. I then contacted Equifax again and the once again claimed they have nothing from XXXX. They then advised me that the only way they will remove the item is if XXXX calls their business office direct. I asked for the number of the business office and they declined to give it to me saying XXXX knows the number it 's business to business. I again called XXXX and they said they had never heard of such a thing and directed me back to Equifax..Equifax then said well they will only remove it if they send the request electronically. I asked Equifax if I could have the electronic address and they declined saying once again XXXX knows where to send it. Back to XXXX and they said it was absurd. I am now at an impasse..I have spent three hours on the phone today alone Equifax just keeps passing me from department to department and declining to remove the item. I have a complete file with dates and documents and correspondence I can provide if need. My husband and I are about to retire and attempting to obtain a mortgage and this item has been holding up that process for almost four months. I need some assistance.
So in XXXX a credit card from XXXX XXXX was opened in my name. In XXXX I was XXXX years old, also when I contacted XXXX XXXX in regards to it, they had my incorrect birthday on file in which they would not let me verify the account because of that. Secondly, I was never notified of this debt in the amount of {$1300.00} at all, there was a levy placed on my entire checking account on XX/XX/XXXX in which they took all of my money out of it. This account was fraudulently opened in my name and I am unsure how to go about rectifying this matter. I have XXXX small children and bills to pay and they have taken all of my money for this fraud act against me, it is unfair. The debt is over 11 years old, why are they coming now?
I have been dealing with XXXX XXXX/Navient for years and consistently receive the " run around '' regarding my payment plan. I have not missed a payment, but am constantly misinformed and receive multiple versions with every phone call. I will attach multiple images will explain the communication process with Navient. I am holding 5 letters, all dated within a week of each other, stating that I owe anywhere from {$0.00} to over {$400.00} ; one is even from a collection agency. This is a common situation with them. I am at a loss as to how to fight them and am confident I'm being charge late fees that do not apply, etc. Thank you for your time and I appreciate any help you may be able to provide.
Company has been calling me since mid XX/XX/2017 about this debt and EVERY SINGLE TIME I very my information ( which is not what they have on file ) and I am told my number would be removed. I even explained SEVERAL times not only am I not the person they are looking for but I have had to deal with them before in another collection effort and this time I will pursue legal action. XX/XX/XXXX I noticed the derogatory account from portfolio recovery on behalf of XXXX  XXXX on my report and when I tried to call because I have no knowledge of the account and I've told them previously this s not my account, the customer service agents was unable to speak with me unless I verified my information. I gave them my social and phone number as I don't have an account # becuase one is not listed on my credit report. Agent was unable to speak with me as the information didnt match. It doesn't match because this is not my account. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account. This is not my account.
I received a call from APELLES at XXXX, on Friday the XX/XX/XXXX, which woke my daughter up. This is clearly a violation of the communication tactics approved by current law.
This complaint is being filed pursuant to my original complaint ( XXXX ). Received multiple calls and now a second voicemail. In both voicemails left, the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt.
I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX XXXX XXXX
I purchased a XXXX XXXX in XXXX 2008 and Believe Interest rates where too high, I was sols the Vechile for XXXX dollars with {$1300.00} for trade some this monies were first finaniced by XXXX XXXX XXXX SInce that time I have made 50 payments of {$330.00} for total of {$16000.00} for this van as of today I am still on the hook for {$7000.00} additional fee the van was repossed and sold for {$1100.00} by Santander, this has been on my credit for over 10 years I have reached out to pay {$500.00} to have these charges taken on of my credit report to no avail as you can see I have paid a total of {$19000.00} for the van and Santander claims I still owe {$7000.00} dollar on this worthless van, can someone help as I am trying to get this off of my credit to purchase home.