WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX sent a debt of {$470.00} to Balekian Hayes , PLLC. in XXXX of XXXX. Balekian Hayes , PLLC used XXXX XXXX for debt collection. 
I paid this debt in full ( {$470.00} XXXX in XXXX of XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XXXX XXXX and I sent proof of payment XXXX bank statement copy ) in writing in XXXX of XXXX. In XXXX of XXXX, I received a call from XXXX XXXX XXXX XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt. 

My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XXXX.
In XXXX of XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX XXXX. They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XXXX of XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XXXX of XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XXXX of XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.
I was late on my XX/XX/2018 & XX/XX/2018 car payments. Spoke with XXXX & XXXX on multiple occasions. Told XXXX someone would be making a payment for me, she was rude and asking who is this person and why are they making a payment for you. I told her that he would make half the payment and I would make the other half. XXXX then told me I had until XXXX XXXX  to make the payment, she continued to call my job repeatedly thru out the days, then started to yell at me that this is their loan and I need to get it paid. I had to have my manager call her and tell her to stop calling my job. I then went to the XXXX to make a payment and she told me that I needed a bar code. I waited for the office to open and called to get the bar-cade, I spoke with XXXX. XXXX then sent the text and I told him the store was around the corner and I would go pay it. XXXX then called back an hour later to tell me I had not made the payment and said " we will hold this until XXXX XXXX  the that's it ''. I returned XXXX 's call and he said I stated that I would pay in the next few minutes. I then told XXXX I never said that, I am at work and can not go out until my lunch break, he then began to get loud and tell me I had until XXXX to make the payment. I made the payment and am now seeking to take out a loan and pay the car off and never deal with this company again. I have been a great customer for over a year and half and have never been treated so horribly by a company representative like this in my life. It's amazing how they are so sweet when I am paying my car note 2-3 weeks early and the one time I fall on hard times they turn nasty.
I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXXr XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX 's Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX
I am very concerned about a late payment that is still showing on my credit report fro my CITI card which I opened around XX/XX/XXXX. In XXXX or XXXX this card was fraudulently used at a gas station without my knowledge. I have not used this card before nor had I incurred any sort of balance that required my attention. I was very shocked and confused when I tried to lease a car and was told I had a recent late of 30 days showing on my credit report for XX/XX/XXXX. This was fraud and I called Citi and was assured by them that this was not my fault and the late that are showing on all three of my credit reports would be mended to show current and never late. I received a new card and have this card at home in a safe. Please, i need this awful late payment removed from my reports because I have a business and require my personal credit as collateral at times. I was not responsible for the late payment and the associates an date management assured me many times that the 3o day showing on the reports would be updated to show current/never late. 

Thank you, XXXX
I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.
I took out a loan with this company on XX/XX/XXXX for {$3300.00}. I paid my payment on time for several months. I then hit a financial hardship due to a health condition ( that is still on going ). I tried to contact the company for several months to set up a payment plan and they would not respond. Finally I got through to them and this is their response : " Date Arrangement is set up : XX/XX/XXXX Thank you for contacting us to set up a payment arrangement for your loan #  LOANNUMBER which has been accelerated. Our records indicate you have a past due balance of {$9500.00}. This payment arrangement will replace any existing installments or scheduled arrangements outlined in your original contract if adhered to and can not be changed or canceled. The plan we have setup is detailed below. 
{$120.00} due on XX/XX/XXXX via DC and $ 125 monthly through XX/XX/XXXX. '' I did some research and was shocked that they are charging me {$6200.00} in interest. If I could have afforded this amount, I would have paid it much sooner. 

They are scam artists who play on individuals. Payday loan lenders are " sharks '' and I made the mistake of going with this company. They just keep taking advantage of the consumer even when their is a true hardship. They do not care. 

I agreed because I did not know what else to do. Since I have researched I need help in getting the finance charges removed. I own the debt but can not afford all that interest.
Ive tried many times to resolve these issues in writing and by calls I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize some of the charges on this account, and I therefore request that it be delete This account immediately. I also request that Chase Card absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies.
This debt is from 2006 This is the 1st notice I 've received since then and my check is being garnished. This debt had passes the SOL.I was never informed they were working towards garnishment.
Having always used a small town bank, when my wife and I began traveling more, we decided to shop around for a bank with a national footprint. As Citibank credit card customers we looked into Citibank checking and signed up for a new Citigold account with a promotional offer of XXXX XXXX miles once we completed a few requirements. We fulfilled these requirements, and began using the account regularly. We enjoyed the online banking and mobile deposit options that our previous bank did not offer. On XXXX separate occasions I contacted Citibank via secure message in order to make sure that I had fulfilled the requirements for the promotional offer. On both occasions I was assured that I had done so and the miles would be posted at the end of XXXX or first of XXXX. When I did not receive the miles, I contacted Citibank, and they then informed we that I was not eligible for the offer and therefore would not be receiving the promotional miles. This appears to be shady business practice. I signed up with the promotional offer, and on XXXX separate occasions ( via secure message ) Citibank reps confirmed I would be receiving the miles. Now Citibank refuses to honor the promotional offer. This is poor business practice. If there was an issue with eligibility, this should have been brought to my attention at sign up or by the rep that confirmed my status back in XXXX. I have made multiple attempts to get these promotional miles credited to me, but they continue to refuse, inspite the fact that their own reps confirmed I would receive them.
I received a packet in the mail with informing me of the lease coming to an end. I knew the buy back amount was {$11000.00} because I asked about that when I leased the car. I called Kia and confirmed this amount. I went to XXXX Kia to find out information on how to buy my car. I asked the person who greeted me, who said he was a manager, to speak to a finance manager to find out what I needed to do to buy my car. What he did was sit me down with a salesman. He took my information was gone a long while. He came back with the form and starts going over the numbers with me.He had sales price of {$11000.00}, there was a pre-delivery charge of $ XXXXand another non tax fee of XXXX. And tax of {$800.00}. I looked at the paper and questioned him about the figures and he said that 's the way we do it here.I picked the form up and told him I am sending a complaint to the Consumer protection Agency. He asked do you want to speak to the manager. Why would I need to speak with the manager my pay off on the lease contract was {$11000.00} and the pre-delivery charge of {$590.00} was already paid for when I leased my car it was figured in with my car payment. Why would that manager sit me down with a sales person when I should have been talking with somebody in finance who would look my contract up and give me the correct numbers. This is why I am complaining they saw an old lady and thought they could up the price of the car and charge {$590.00} pre-delivery charge, that I already paid for up front, and I would not know the difference. All the numbers are on the contract. This made me so angry I do not want the car I do not want to deal with those people at XXXX Kia. When I left there I went to another dealership and will be leasing a car from them. The reason I am writing this complaint is because how many people have they done this to and get by with it? They would have made a {$1500.00} profit from their deceit.
On multiple occasions I contacted netspend about activating a prepaid card I had purchased and on the 2nd day when the customer service hours were activated I spoke with multiple rep 's and managers and was made aware of another card that had been activated without my consent. During these phone calls I told the representatives that I had active at this time fraud alerts on all my information and public reports and why didnt they follow such guidelines laid out in the reports or contact myself on the phone number placed in the alert. I was given no direct answer to these questions and when asked if I needed to send a fraud affidavit over I was told no no no and no until the 4th day on a Saturday that I needed to. I had spoken with a manager the night before who stated she submitted a request and it wouild be processed on Saturday the next day to unlock the card and once again no, no fraud affadavit would be needed. Saturday came and I spoke with XXXX who stated there was nothing anyone at that time could do and she would be submitted a fraud claim against the other card that was preventing this one from being activated. I asked why couldn't I activate this one without any online features and she stated once again no, I wanted to do this so atleast I could have availability to the funds. XXXX was of no help and offfered no solution.
****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, XXXX, XXXX and Equifax or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has clearly stipulated. 

XXXX, Equifax and XXXX have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX ( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE :  XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION SYNCB RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that XXXX, Equifax and XXXX   went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof XXXX, XXXX and Equifax do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with XXXX who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately
This complaint is in reference to previous complaint # XXXX. 

We received a response from Bank of America. We are challenging the information in that response. Their response came from XXXX XXXX with the firm XXXX XXXX XXXX. The letter does not state what happened in the beginning. We ONLY sued B of A because they told us in XXXX that the only way to get our name off of the mortgage was to sue them. We have copies of the emails between our attorney & Bank of America that clearly state they were not going to honor our previous agreement. A " Cash for Keys '' settlement was done in XXXX of XXXX. It was our understanding that a Cash for Keys was the same as a deed in lieu of foreclosure. We were told by our attorney that B of A would take over the home 2 weeks after the settlement was done. Bank of America never took title. Bank of America has been paying taxes on the home since XXXX. Why do they do that if they say we own the property. As far as we know, there are no tax liens on the home. 
I ( XXXX ) have been in contact with XXXX XXXX. He has said that a Cash for Keys is not the same as a deed in lieu of foreclosure. We find that very odd because we have many friends who went through the procedure and the bank took title to the homes. He proceeded to say we needed to call XXXX XXXX XXXX XXXX because he only deals with California, not Nevada. Why, then, was he the one who responded to our first complaint. Once again, we are getting the run around from the bank. 
We have contacted XXXX XXXX with the XXXX XXXX XXXX in Nevada per your suggestion on XX/XX/XXXX. He is trying to arrange mediation with Bank of America.
Account No : XXXX XXXXAmount in Question : $ XXXXI attempted to see a doctor at Minute Clinic which is within the XXXX XXXX XXXX , close to my home. I was fairly certain that I had XXXX ( XXXX XXXX ) and was scheduled to leave for New York the following day on a work trip. The doctor at XXXX XXXX took down all of my information, including my insurance information, which took approximately 20-30 minutes because she had difficulty getting her system to work correctly. She then proceeded to tell me that she could not see me because XXXX XXXX does not handle any eye related problems. I was unclear as to why she did not tell me that when I 1st arrived and filled out the " reason for visit '' on the " sign in form ''. I would like the {$84.00} removed as I never was treated or seen by a doctor. Furthermore, I am confident that my insurance was charged the {$15.00} ( difference between the {$84.00} and the {$100.00} visit ) and therefore I would like that amount refunded as well. 
It is ridiculous for his company to be able to charge people for treatment which never existed. I have received XXXX notices from Trans world Systems Collection Company dated XX/XX/XXXX & XX/XX/XXXX. I called after the XX/XX/XXXX notice and they indicated a case would be opened. I have not heard back from them ; however I received the additional notice on XX/XX/XXXX. Unless this is taken care of immediately, I am contacting an attorney to start the discovery into how many customers have experienced this same issue.
I have credit inquiries from Equifax and XXXX that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud. 
1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX
I purchased a vehicle on XXXX from a XXXX dealership called XXXX XXXX. The vehicle 's original posting stated the car was in perfect condition and was recently fully service by a OFFICIAL XXXX service dealership/shop named XXXX XXXX also in Florida. The vehicle was purchased on XXXX/XXXX/2016 and the vehicle didnt arrive at my home in XXXX until XXXX/XXXX/2016. I drove the vehicle approximately XXXX miles, ( the original odometer and current readings can prove it ) as I needed it to go on XXXX leave and the car started leaking FUEL on the freeway and I was forced to stop immediately around the XXXX area. I had the car towed to the nearest XXXX service shop near my wife 's area called XXXX XXXX XXXX in XXXX. They charged me {$160.00} just to run a diagnostics to see what was wrong, and during this process, they explained to me that the fuel intake manifold was put on too tight causing it to fall off and leak the fuel ; which was later admitted by vista XXXX that they had messed this up during the initial servicing before it was shipped to me, which apparently made XXXX XXXX give XXXX permission to dismantle the vehicle without my consent, but no repairs have been done, the vehicle is still just sitting there with the work halfway done to it because no one wants to own up and assume responsibility for the repairs to be made. I dont understand why the vehicle was even taken apart for repair if no consent was given nor proof of financial assurance for the repairs were shown or given. Also, XXXX explained to me that the vehicle has aftermarket engine parts, which was not stated in the original listing whatsoever. The vehicle is currently at the XXXX XXXX location still, which as of today ( XXXX/XXXX/2016 ) is racking up a {$50.00} a day sitting fee, until this gets resolved. I had taken out a consumer loan with usaa to pay for the vehicle PLUS another {$1000.00} for the shipping equaling a total of {$13000.00}.
Per my Equifax file, XXXX XXXX does not have any record of the last payment activity ( see attached ). 
According to the Fair Credit Reporting Act ( FCRA ) - the legislation that governs credit file information- the date a negative account drops off your credit report is seven years from the date of your last activity on the account.