WillisBack/dataset-financial-user-claim huggingface dataset:
Every time this Publisher - XXXX XXXX sends me my royalty deposit they are not mentioned correctly in the legal ledger of the bank. The say content distribution. I am the only one to get royalties. There is no other distibution. What is going on is one employee changing the deposit information. The bank should clearly know who is sending it a deposit for a customer not a vague discription. The company should be the only one sending me money for my book with XXXX XXXX titled - The XXXX XXXX XXXX XXXX. It could be making thousands and a bank teller could be giving me a dollar and say it is content distribution and not the direct name and discription. I need the right description for my account deposits. 

Mailing Address XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX News Media Contact XXXX XXXX PR Department XXXXXXXXXXXX From Bank of America below my consistant editing of my account to tell them and XXXX I need things specifically idetified when receiving deposits. Is it that easy to hide content, by just describing the content of a deposit as content. This is something that needs to be made specific other wise any one could hide money by not describing who it came from or the amount. I need my account ledger correctly noted. Now I can see how banks likes XXXX can be dishonest. 

XXXX/XXXX/XXXX Hideadditional information for activity type deposit XXXX XXXX  XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Edit Description activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD as Reconciled XXXX XXXX Type : Deposit Description : XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Merchant name : XXXX XXXXSelect toEditthe merchant name Transaction category : Income : Paychecks/SalarySelect toEdit
New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.
XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Good morning, I have been back and forth with this debt collector asking them to please stop harrasing me with this debt that is not mine. I asked them to please submit and validate that the debt is mine and till this day they have n't. I asked them to please remove it from my credit report and they still have n't. I explained to them that I had a problem with another account with XXXX XXXX. Someone was using my information and opened an account. Thank XXXX I noticed and had it removed and closed. I have attached a letter of what I received. I know it doesnt have to do with this particular company, but I wanted to let you guys know that I have been having problems with my identity being falsely used.
I am no longer responsible for any collecting account and I have completed all terms of my bankruptcy. I should have no negative factors on my report.
on XXXX XXXX, 2016 i filed a dispute for XXXX judgment and XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate the items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when i contacted the Clerk of the XXXX XXXX of the State of California as well as the XXXX Office they BOTH report that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the records reporting. Upon contacting Equifax and requesting that they mail a description of their procedures, indicating the exact name and contact information, for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The XXXX tax liens and XXXX judgement should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.
I signed up with XXXX to rehab my loans and apply for loan forgiveness. They drafted my checking account {$140.00} for 9 months ( meanwhile they were to approach the board of education on my behalf ) Nothing was done and now I am afraid of garnishment or liens ). Is there any way to get my money back from these scammers?
Collection Company : Modern Adjustment Bureau,   XXXX   XXXX   XXXX  , Ca  XXXX  They are attempting to collect for FULL payment for dates of service : date sub.  | date of. | Provider of Service Billed. Paid by to insur | service. | Amt Ins.    ______________________________________________________________________   XX/XX/XXXX  |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} 03/07/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX    {$2100.00} {$290.00} 01/08/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} Modern Adjustment Bureau is attempting to collect a total amount {$6400.00} rather the the amount of {$290.00} for each procedure stated above.      Yes I admit I cashed the checks from insurance company, and in the past when I had gone to  XXXX  for my lower  XXXX   XXXX  procedures I had signed any insurance check (  s ) I  received signed over directly to  XXXX  ... For this particular procedure I received payment in the    XXXX    calendar year for  XXXX  date of services. At the time of  XXXX , I was NO longer seeking any more treatments. I also want to note that I NEVER received any invoice from the above provider for the due amount of {$870.00}.     I then contacted my insurance to attempt to find out how to address. Even though the above provider was NOT in my network, they did accept previous payments made by my insurance company and did NOT seek full payment for billed amount.     My insurance company has also noted that there are many dates of service where they did NOT pay, due to some accreditation as well as not being in network. But as I stated accepted the payment by the insurance company. There is now through the insurance documentation of this. As they stated to me, this is illegal. I have since contacted the service provider to explain my situation and stated that they would take the amount owed of {$870.00}. I also stated to them the Modern Adjustment Bureau has been making harassing phone calls and are belligerent.
At XXXX on XXXX I received a call from XXXX XXXX. I was not home and the following message was left on my machine : This is XXXX XXXX and I am tired of wasting my time and resources on you, it is in your " best interests '' to call me NOW! to resolve this matter before action is taken. After reading posts about this number on line I have found that this is a deceptive company that gives address of XXXX XXXX XXXX XXXX, XXXX, NY XXXX The address is vacant and for lease. If the company name Direct Recovery XXXX is XXXX it comes up with a company in California. They have a home made website with no information at all except pay now. I did not call them back because I never received a verification of debt letter from any company in over 6 years. Here is info directly from this company as posted on Who called me from ... The name of the company is Direct Recovery Services. Our primary location if XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. We also have offices in Minnesota and South Dakota. Full information is available at XXXX Any questions or concerns can be addressed in a call or in writing and will be immediately addressed. Send questions or concerns to XXXXXXXXXXXX.
I opened an Everyday Checking account with Wells Fargo on XX/XX/17 with XXXX for an advertised promotion of XXXX incentive for new account openings. You can have purchases or direct deposits of {$500.00}. I qualified on my account with direct deposits and card purchases. I called WF, and customer service rep said it takes 45 days from my deposit of {$500.00} on XX/XX/XXXX, another customer service rep said she could not find the promotion, another customer service rep, my account did not qualify it was XXXX direct deposits a month and the incentive bonus was {$200.00} They did not even try to see if I qualified whether it was for the {$300.00} or {$200.00} bonus. I figured there was going to be a problem with this " bonus '', but I decided to give WF a chance to prove me wrong.
I have an equity loan with USAA and set up an automatic payment from a USAA account. On XXXX XXXX, I see in BIG RED LETTERS that my account is overdue. I am a XXXX veteran who has NEVER had a payment overdue by one minute much less than three days. After calling USAA, they tell me their system is down. However, that does not resolve that my account is over due. I made a manual payment and yet it will still and always be reflected as overdue. Furthermore the bank was of the mind that it was no big deal. That they can not fix a computer error at the snap of their fingers, their words. This is huge. While it wo n't affect my credit and I paid before any late fees were assessed, it will show 1-30 days late and has already attacked my integrity. The BIG RES LETTERS did not say we have a an issue and will make payment .. it said that the account is overdue
I have disputed my XXXX account with TransUnion to no avail the XX/XX/XXXX late still appears on my report. I could not dispute the account online and no one from the company could tell me as to why. I have attempted to provide the letter from the XXXX which denoted they were going to remove the late. If TransUnion did and investigation on XX/XX/XXXX file # XXXX then the information would 've accurately been reported. I contacted the call center in which another file # XXXX was provided for me to attach a copy of the letter and fax the information into TransUnion. I attempted on several occasions to remit the information but the fax # XXXX is constantly busy.
Navient collection agency has been sending extremely important emails to an out dated email adress that I had removed from my account back in XX/XX/XXXX. I had just gotten my student loans out of default. It was then transferred over to Navient. I updated all my contact information including email, address, and phone number. It was then I was told that there was a grace period while they figured out how much my monthly payments would be. Well XX/XX/XXXX comes around and I still hadn't gotten any form of communication from them. I try to login to their website and naturally forget my information so I recover it and receive emails on my updated email address. When I get on it turns out I'm 4 months behind and have had payments due since XX/XX/XXXX. I was shocked and confused so I log on to my old email address, I don't use anymore, and sure enough they'd been sending all the payment due emails to that even though that email isnt even on my account anymore. Still as of today, XX/XX/18, they are sending all of the important emails to that account. I've been working really hard to get my finances under control and get my credit score up and feel like this is a sneaky tactic to try and keep me in debt to them.
This company has had more than enough time to provide me with a signed contract and needs to remove its information from my credit report immediately. My identity has been stolen so only a signed contract will do.
XXXX XXXX is on my Consumer report as well as my credit report for dates from XX/XX/XXXX to present XX/XX/XXXX and shows as a " collection '' or " no data for this time period ''. I have never used this insurance, and have had XXXX Car insurance since XX/XX/XXXX. I have contacted the company and was told they did not have a collection dept and they were not sure how to get me to the right person. I also contacted your organization, and was directed to to call XXXX XXXX as well. A ticket was created # XXXX
Our Grandson ( who resides halfway across the country ) listed us as a reference when applying for something. Though we are not sure what. 
We are a elderly/XXXX couple in our XXXX. We have repeatedly informed 'Portfolio Recovery Services ' to stop calling as we no longer have contact w/ our grandson. As we were used ( without prior notification ) as references. 
The debt collectors # XXXX-have literally ignored our verbal request to discontinue calling. At this point, it has become harassment. Please help.
I am submitting this complaint on behalf of the aggravation I have been going through with the XXXX credit reporting agencies. I had XXXX accounts opened up fraudulantly in my name. XXXX and XXXX. I finally received confirmation today with XXXX that it was founded that the XXXX XXXX acct and XXXX were fraudulant and removed from my report. However I just spent over an hour on the phone with equifax explaining to them that these accounts are fraudulant and I want to re-dispute them again for the 8th time. All I got was the run around and told that they are waiting to hear back from the company. I have disputed this for over 3 months now and if XXXX responded to XXXX it was indeed fraudulant and to be removed from my report then XXXX and equifax should have received the same notification. I got nowhere on the phone today this is very fustrating as it affecting me in obtaining credit and affecting my credit score.
XX/XX/XXXX A XXXX service offered me a CareCredit brochure. The brochure seems to say that you can have 6 months to pay off the charge interest-free. XXXX Reviews of the credit card and the issuing bank were generally low. I went to the CareCredit.com web site for more info and used the Payment Calculator to calculate payments for financing a {$850.00} charge. Results are below but there seems to be a hidden fee. 
XXXX Plan Term : Estimated Monthly Payment to avoid interest and pay only the amount financed : 6 Month {$140.00} 12 Month {$71.00} 18 Month {$48.00} When I did the math, I was paying back {$2.00} extra on the 6 and 12 month plans but {$14.00} more on the 18 month plan. I think this is a hidden fee. 
I visited the CFPB site and saw the action against CareCredit in XX/XX/XXXX. Today, in XX/XX/XXXX, the brochure and website use the terms " promotional purchase '' and " promotional period. '' It 's not that clear to me what that means. " Promotional '' made my alarm bells go off.
Last XX/XX/XXXX, I sent a request to TRANSUNION to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents from the original creditor. Moreover, After more than 30 days, what XXXX did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. Both XXXX ad TRANSUNION definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.
I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST ME ''.
Sent a certified mail on XX/XX/XXXX requesting debt validation. Sent certified mail on XX/XX/XXXX requesting proper verification bearing my signature. Did not receive a response. Sent complaint via their website on XX/XX/XXXX, no response. Called on XX/XX/XXXX got hung up. Called back, was transferred to supervisor. Supervisor was yelling entire time, stating that they dont have to verify and that an itemized bill was sufficient. Supervisor made remark that If i want to keep playing stupid they will no longer contact me.
I sent a letter to Experain disputing an inaccurate address information currently being reported on my personal credit report as inaccurate and erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that you received the dispute XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
I am getting repeated calls ( XXXX a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so.
On XX/XX/XXXX I filed a dispute with Equifax in regards to two tax liens that are on my credit file. On XX/XX/XXXXunder confirmation # XXXX reported that they had verified the information and used XXXX to validate this information. Equifax purposefully does not properly validate the information. 

They claimed to use a third party XXXX to verify information but have also failed to even do this. Even though using a third party to verify any information is not allowed under the Fair Credit Reporting act. What is truly very bothersome is the fact that XXXX themselves have vacated reporting this improper tax lien/public record information. As evidence, I am including the proof that XXXX has removed this invalid information from their records. The letter I received from XXXX was from XX/XX/XXXX. This clearly shows that XXXX had purged the tax lien/public information from their records. So that Equifax could obviously not have correctly validated this information with XXXX after my dispute of XX/XX/XXXX. 

I have also contacted both the County Courthouse clerk and IRS. None of these enitities or government officials have provided Equifax with any information and they have assured me that Equifax has also not made any attempts to verify this information at either the county and further, the IRS do not supply information to credit reporting agencies themselves. So Equifax is in full violation of the Fair Credit Reporting Act. 

So in other words Equifax continues to report incorrect information on my credit file and continues to not properly investigate and validate information. 

Further, after XX/XX/XXXX, the credit bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the ... Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. Equifax has and continues to violate the FCRA and federal government demands to clean up their act but they continue to damage myself and people of this country. 

I demand that this non-validated information be removed from my credit file immediately. 

Equifax has made not attempts to Validate this information and the source of the verification that they are attempting to use is a third party ( XXXX ) and even XXXX does not have this information in their records.
On XX/XX/XXXX ( and XX/XX/XXXX ) I received automated voice calls from Pro collect a collection company representing a former landlord. The automated messages were left on my cell. I called and spoke to an representative who then transferred me to another " supervisor '', XXXX XXXX. I told XXXX XXXX that I had received a call from this number, and she only confirmed my name. I only ID my name, and then she goes into it being a debt for the landlord, and provided the mini Miranda. Never verified last four of SSN and/or DOB. Provided the balance of the account. She asked had I received correspondence about the account, and I told her no. I confirmed my current address at that time, and never confirmed that this was the best number for me. I did explain twice that the number was a cell line, and she states that basically that meant nothing. She goes into providing me a phone number for her directly, the account number, and describes the methods of paying. She asked which one I would choose, and I explained that I would call back in. XXXX XXXX advised me that she would report my account as a " refusal to pay '' because she did n't give that ( meaning calling back ) was an option. At that point I identified that I being a former collector, and well aware of the laws, know that she could not do that. She was argumentative and at this point I terminated the call.
XXXX/XXXX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX and Tran Union because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " XXXX '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XXXX to XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XXXX/XXXX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX 24/7 and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,