WillisBack/dataset-financial-user-claim huggingface dataset:
I have been very successful in my life, but like millions of others, I lost everything in the XX/XX/XXXX-XX/XX/XXXX recession. My credit was ruined by my divorce. I have not had a credit card in 5 years I went bankrupt ( never filed ) I use to have an XXXX credit sore. I began to learn about secured credit cards and a friend told me Discover offered one with no credit check. 
You know a hard inquiry will hurt your credit I FILLED OUT THE APP, I was never told a Hard inquiry would be pulled. I HALTED THE APPLICATION BECAUSE I DID NOT HAVE ALL THE DOCS NEEDED I TOLD THEM TO STOP THE APPLICATION. I HAVE A RECORD OF 2 phone calls I told them to stop the APP AND 7 emails asking me to COMPLETE THE APP ... .WHICH WAS NEVER COMPLETED THEY PULLED A HARD INQUIRY WITHOUT MY COMPLETING THE APP WITHOUT MY PERMISSION AFTER TELLING THEM TO STOP APP THE CALLS ARE RECORDED SO WE CAN PULL THEM THIS IS DECEITFUL AND ILLEGAL- I never COMPLETED THE APP AND I HAVE 10 emails CONFIRMING THIS I WANT THIS HARD INQUIRY REMOVED FROM MY REPORT
I have noticed an unauthorized hard inquiry on my report from Syncb National Credit Cards/Airlines and I have contacted the number several times, each time they direct me to either XXXX XXXX or XXXX. This did not show up on XXXX.

I am running in circles trying to figure out how to get this removed. When I called Syncb they claimed that they don't have any information on me, and that they don't own the account and it's an known error with XXXX XXXX so I have no idea why this is on my report. When I call XXXX they tell me to contact the creditor.
Calls my house under a " spoofed '' number, hangs up, calls back and threatens to sue me If i do n't pay a debt that I do n't owe. Have told them to Cease and Desist all contact.
It has been well over 15 days since I have spoken to someone in the Fraud Department at BOA. Last Thursday - I got a phone call from a person of BOA - Stating there is still nothing they can do. 

After myself I am reaching out to XXXX and XXXX XXXX to find out if anyone else has noticed fraud activity with these accounts money is being sent to - Both banks are requesting XXXX XXXX   from BOA. They are not responding to any type of phone calls or emails regarding my claims.
I would like to make a complaint against XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was Cashnet USA. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and XXXX XXXX has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
XXXX. XXXX XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX  v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX XXXX also violated FDCPA Section 809 ( b )  because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.
Cbna or Sears I 've never applied for any type of credit check or whatever this is I signed up for. I 've never been to a Sears in my entire life
Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with XXXX to XXXX, XXXX drop 30 in 2 weeks and same with equifax. I do believe that i am being unfairly targeted.
Professional Credit Management of XXXX, AR ( PCM ) intentionally and illegally reported and continues to report false information to Equifax. I had a procedure in XXXX of XXXX. They originally reported the date of first delinquency as XXXX of XXXX, three months prior to the date of service. Pursuant to the Fair Credit Reporting Act ( FCRA ) they must report accurate to the credit bureaus. I have their manager, XXXX XXXX, on a recorded call stating that they do indeed report false information so the information will come off sooner. Reporting false information is still illegal. Since then, PCM has reported the debt as unpaid when it has been paid and now they 've changed it again. In the last 2 months PCM has reported several different false reports, defamed my character, and jeopardized my ability to get sound interest rates. PCM should be shut down immediately and required to cease operations. I am also asking the CFPB to do a full audit of PCM.
I had a medical debt. Collection Associates LT ( address XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ) got a garnishment levy and sent it my employer in XX/XX/2018. My employer paid the debt out of my checks in XX/XX/2018 for the full amount. Now the company is still reporting to credit reporting agencies that I still owe them. I contacted them who said they transferred it to another lawyer and I need to contact them. Their name is on my credit report as reporting still due. I feel they are just giving me the run around instead of correcting this.
Equifax has failed to validate information I disputed on my credit report. They have failed to provide me copies of any documentation associated with the  XXXX  accounts I disputed, bearing my signature. In the absence of any such documentation bearing my signature. I asked that if the information was not provided that it be deleted immediately from the credit file under my social security number. There were  XXXX  unfamiliar accounts that appeared on my credit report. I have no contract signed with any of these companies so I filed a dispute with the credit bureau and they said it was mine but have not provided me anything bearing my signature from the clients they claim to have verified with and me having a common name I typed the name in on  XXXX  in my area and there are over  XXXX  people with the name  XXXX   XXXX . In my letter to the credit bureau that I send in  XXXX    XXXX  , I challenged the accuracy, compliance and report ability of the listing. The  XXXX  accounts listed are  XXXX .    XXXX   XXXX  services  XXXX .     XXXX   XXXX
my mother was XXXX and chose to recive her pension payment into my checking account. she always told me it was for the preceding month. she died last month and a week later her pension was deposited in my account. i contacted the pension provider and advised them of her death. three weeks later with no notification they electronically debited the amount from my account. this caused extreme hardship in over draft and expenses. i contacted the pension firm and they told me to dispute it with my bank but that will take ten days and still leave me liable for much financial hardship. no one could explain to me why i was not notified of the reclaim of funds after i did my part to contact them for help in a timely manner and my bank is not helping either
I will never have a home mortgage with this bunch of crooks ever again. They screwed up my loan in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

I pay my mortgage every two weeks and when I paid on XX/XX/XXXX for some odd reason Wells Fargo applied all but {$.00} to principal and {$.00} went to interest. The auto draft occurred mid XX/XX/XXXX and for some odd reason it turned off and didnt draft on XX/XX/XXXX as it should have. I received a call from collections on XX/XX/XXXX wanting to know why I havent paid my mortgage.

It took these financial geniuses from the end of XX/XX/XXXX until the end of XX/XX/XXXX to realize they made a mistake. I was also charged late fees. I once again call XXXX XXXX. In the presidents officelast Thursday and all I hear is that an investigation will be opened. And It will be resolved in 24-48 hours. Guess what? Tuesday XX/XX/XXXX comes around no response.
My bank is  Fifth Third B ank On or about  XXXX    XXXX   I filled out a stop payment order. The automatic payment was for  XXXX   XXXX   XXXX  in the amount of {$720.00}. There was no problems in  XXXX  as the bank stopped the payment. On  XXXX   XXXX  the paid the draft even though they had a valid stop payment order.     The Bank representative  XXXX   XXXX   XXXX  said they had a valid stop payment order and she did not know why it was paid. She would investigate.  XXXX  days in a row I spoke with  XXXX  or  XXXX .  XXXX  finally stated the draft was paid. The stop payment order was not a promise and there was nothing I could do about it.   They did refund the over draft " fee 's '' due to their error. However, I did not authorize the money to be paid. The bank was negligent in their handling of this issue and should return money.     Thank you,
I have a claim from XXXX XXXX credit card, disputing that my account with them is negative. I already spoke with them and addressed the issue. The account has been paid off. I would like this account to reflect my current status, and be taken off as a negative account in my credit information.
Due to financial circumstances I was unable to continue my lease pymts. This was a 36 month lease and I made 24 of those payments. Bmw came to collect the vehicle and hit my credit report with a balance higher than the original lease amount. I only had XXXX in pymts left. The company refused to allow me to turn in the vehicle early since I was 90 days delinquent. This is unfair practices and my credit report should only include the remainder of lease pymts as amount due. They refuse to correct this.
I have an account with National Bank of Arizona which is a division of XXXX, XXXX. I have {$3400.00} in the account and they deactivated my online banking and debit card because it had reached a {$0.00} balance for a little while. I was visiting in Texas and they told me they have a sister branch in XXXX XXXX, Texas called XXXX XXXX I informed them over the phone I had an expired license and a yellow slip of paper from the XXXX that was stamped by the XXXX showing the issue date and proof of new licensure because it takes them a month to send me a new license. The national bank of arizona supervisor called the XXXX XXXX in XXXX XXXX and told me they would be able to give me my money if I brought those documents over to the bank. I drove 60+ miles to XXXX XXXXXXXX and brought my expired license, my proof of new drivers licensure paperwork, my certificate of live birth, my social security card and my school ID and they informed me they would not be disbursing any funds to me because their policy states I need to have a hard copy of my drivers license. 

I called the online banking service later and informed them of what happened and they activated my online banking for me after I was able to fill in the security questions. Then I added an external bank account to the system and then they deactivated my online banking without explanation. They then demanded I give them a phone number to verify my identity, so I did, and they said that phone number I gave was n't going to be verified and their " system '' listed 2 phone numbers that I never even heard of and one phone number that was super old that I did n't even have anymore, to verify me. 

Basically they are refusing to give me the money that is in my account until I show up at their bank account in XXXX XXXX with a hard copy of my new drivers license, which can take over a month to receive, even though they promised me over the phone I would be able to make a withdrawl and get my online banking activated again.
Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXXCreditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00}XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} XXXXighest Balance {$2200.00}
I have contact XXXX on XXXX XXXX, XXXX due to I have seen a recent charge on my credit report in the amount of {$980.00}. They also have two other accounts closed on my credit reporting the same amount of {$980.00}. I have called and ask to validate the debt. 
I have also fax them the letter to validate the debt and that im disputing the debt also. I also told them its on my credit report and the representative said yes and its not getting deleted as to to reference that, Yes she know and it staying their. 

I received a reply from XXXX on XXXX XXXX, XXXX they letter arrived to my place after that date. the letter they provided is not validating the debt, they only replied with papers showing the amount only. 

I was confused so I call XXXX .I ask Is there anyway they can remove the negative reports from my account because I received a letter Not proving that its my debt, the letter XXXX XXXX only showed 3 account with the same amount that 's not validating the debts and can you please remove the accounts from credit file it is damaging my report. She also said it is not getting removed from my credit report. 

I sent another letter on XXXX XXXX, XXXX stating that This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX has reported on my credit report that I have a 1 Month term to Pay the debt of {$980.00}. I was not informed Of the term nor was a payment plan discuss because i have not yet received information i have requested. How do i Know if the debt is mines when they are not sending in the requested info. 

XXXX keep FLAGGING MY CREDIT REPORT DAMAGING MY REPORT WITH INFORMATION THE HAVE NO PROOF OF NOR NOT PROVING THIS IS MY DEBT.
Inquiries Chase card Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase card Inquiry from XX/XX/XXXXLate payments XXXX XXXX onXX/XX/XXXX. & XX/XX/XXXX I'm always on time with my payments and if an error has occurred, I make sure to give them a call and correct the situation. That has only happen once but XXXX XXXX corrected that error. Although, XXXX XXXX on my credit report it states I've given two late payments & that effects my credit history.
There is a collection account on my credit showing it was opened in XXXX and it was NOT. The account was opened in XXXX or XXXX so it has been well over 8 years. I have tried to contact the collection agency in which this debt is placed and the number provided on my credit report for the agency does nothing but automatically hang up on me. This derogatory mark is preventing me from obtaining a home for me and my XXXX children. Please help me.
Synchrony Bank is a corporate XXXX! Within a year, they have closed both my XXXX and XXXX credit cards ... .both of which I have faithfully paid!! Ridiculous!! The reasons cited in the latest letter were issues on my credit report that existed BEFORE I was even approved to have them! Seems to me the employees are bored and have nothing better to do than nitpick consumers who have actually been paying their bills! I would NEVER recommend Synchrony!!
I have made several attempts to reach out to this company Commonwealth Financial to have the negative remarks they report and update on my credit each month removed. I have never authorize or open an account with this company. This company is intentionally ruining my credit. They claim they have mailed me out bills but I have n't received anything from this company. They constantly hit my credit with an amount of XXXX and XXXX dollars. It reports on credit as a new loan. If this company can not produce a signed contract from me, the consumer, they must remove the debt from my credit report per the FCRA. These amounts are updated each month as if I took out a debt with this company.
I went into  World Finance  in  XXXX  of  XXXX  due to heavy financial need at the time. I gave the representative my information over the phone and she said she would call me back with the amount I was approved for. Abo ut two hours  later she said I was approved for  XXXX . I went into the branch to sign my documents. When we got to the insurance part I asked if this was mandatory and she said YES. I really needed the money at the time so I took the loan with every intention to pay it off early so that I would n't have to pay so much back in interest. Since my first payment in  XXXX  I would spend hours trying to figure out how the interest was calculated and how much I needed to pay each month to pay off the loan early. The numbers NEVER added up. I asked for my payoff each time I made a payment, and the figures they would give me never made sense, so I never paid the loan off early like I planned too. So in  XXXX , I called and spoke to a representative,  XXXX , who could only tell me it is what it is because that 's what I signed up for. I then spoke to another representative,  XXXX , who could not provide me any information either. I spoke to the branch  XXXX   XXXX  once who could not explain how the interest was charged either. I went into the branch  one  afternoon and sat with someone and still she still could not help. I called customer service on  XXXX   XXXX ,  XXXX  and spoke with someone who could help me a bit, but when I asked more questions she let me know she was not qualified and would pass my information to the district manager. Even though my check from the company was made payable in the amount of  XXXX , I was financed for the amount of  XXXX . I was unaware of this, so that 's why I could never figure out what went wrong. Today  XXXX   XXXX ,  XXXX  I went into the branch and sat with  XXXX  face to face. Within our meeting she said the insurance is NOT mandatory and she does n't remember who closed my loan. Not only that, she said the associates I kept speaking with when I had questions could n't help me because they do n't know themselves! When I asked who 's signature it was on my closing document she then remembered who closed the loan, and advised me that the girl is no longer working there. This company has scammed me out of some serious money with their deceptive practices and leading me to believe that insurance is mandatory and not explaining the amount I was approved for versus the amount the check was written for. I am hoping to not make the same mistakes again and only pay back what I owe, and nothing extra.
I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.
As a way of background the servicing on my mortgage loan was transferred in XXXX XXXX from XXXX to PNC Mortgage - In XX/XX/XXXX the homeowners insurance was due to be paid. As a result of incorrect payee setup the Insurance was incorrectly paid and my insurance was subsequently canceled. My insurance agent called me on XXXX XXXX to notify me of the cancellation and I contacted PNC Bank. After an hour on the phone PNC bank did confirm that the account was incorrectly paid and spoke with my insurance agent to say they would overnight a check. A half hour later they informed my agent that they could not send out an overnight payment as they did not have the ability to set up a payee timely. My insurance agent called me at XXXX and informed me that if a payment was not received by XXXX the insurance was not going to be reinstated and I would continue without insurance. I subsequently made the payment of XXXX dollars and as of today I am still waiting for my refund from PNC bank. I have spoken with multiple representatives, Supervisors and left multiple messages for the manager to call me. Throughout this process one thing has been consistent - not one supervisor or manager will call me back. After speaking with another representative today I found out that once again the incorrect agent was paid and no one can tell me when I will get the refund. As the refund amount is XXXX my having to front this money for PNC has become a hardship. Unfortunately this hardship does not appear to be any concern of PNC Mortgage as there certainly has not been any urgency on their part towards resolving the matter never mind simply giving me a call back. The fact that this loan was transferred to PNC has become a challenge for my wife and myself and a scenario that we wish had never happened.