WillisBack/dataset-financial-user-claim huggingface dataset:
yes -- I am not sure if it is legal or not -- -that is why I decided to contact you. Here is what is going on -- -I have a insurance policy with XXXX XXXX they have sent in to all 3 major credit bureaus that I owe them money -- I still have the policy so I called them to ask why do I owe them money and my account is current -- -she said that in 2016 when I renewed my policy that I owed them a past due balance -- -now when I renewed the policy I was not aware of this debt and why they did not say something then -- -- -now I have disputed this account with all 3 credit bureaus and they are saying that the information is correct -- -of course my name and social security is correct because my account is current -- -my question is can they put that on my credit file as a bad debt because that is not a credit card not an installment -- -could you please let me know if an insurance company has that right -- -- also what about the collection companies can anyone just put whatever they want on our credit file -- -also in identity theft of course they have your name and social security number and all of your personal info that does not mean it is me
Experian would not provide my free credit report through the US government system which forced me to purchase it for {$1.00} through their system. 

After accessing my report, Experian signed me up for their for " Experian CreditWorks Plus '' without my consent or notification using the credit card I used to make the {$1.00} payment. 

Experian also insists on sending me emails that are essentially marketing emails that I can not opt out of because they claim they are " important account information ''. 

Experian 's behavior is unethical and borderline fraudulent. I should have access to a free credit report which Experian denied through the established system and I should not have to worry about being charged for unnecessary products when I am forced to pay for a product that is free by law. 

Note : This is the first complaint I have made against a company because I feel Experian 's conduct is not appropriate given they are an organization that I am forced to have a relationship with given the authority the US gov't as bestowed upon them. They act as one of the main wholesalers of my financial data, which I have no choices in limit their access. 

Regards, XXXX XXXX Experian member ID : XXXX Date of issue : XX/XX/2018 to present
I went to the XXXX because I thought I 'd XXXX. The hospital kept having issues with my health insurance company, and it took almost 6 months to get it straight. The hospital had already turned it over to the debt collector, and I have paid the debt in full. The debt collector has also called me at work despite being to not to do so.
I had a closed American Express Gold Credit Card ( Account Ending XXXX ). I am in the process of refinancing and tried to payoff this credit credit through the escrow. Both the refinancing bank ( XXXX XXXX XXXX ) and I both tried to get a payoff statement from American Express Customer Service. The agent and the supervisor told me that they can not provide the payoff information which good for 30 days in writing. The said this is the company policy. I asked where I can find it in the term and condition of the I believed the credit card company has had to provide the payoff information to the consumer on demand. The only reason that I can think of is the company does not want the consumer to payoff the card faster. 

I hope the agency can investigate this issue which affect the right of the consumer to payoff the credit card faster. 

Thanks. 

XXXX XXXX XXXX American Express Card Holder
I have enrolled with a credit resolution company to repair my credit. They went over the tactics that credit agencies or debt collectors will do in order to get me to pay the pay the debt I owe.

The credit resolution company I signed up with provided me a lawyer in case the credit agencies or debt collectors break the law. Allied Interstate has repeatedly been calling me non stop. I received 2 letters from them about 2 weeks after they started calling me. I have been logging all calls that I receive them. They never leave a voicemail and they never call from the same number. My lawyer explained that they are harassing me and explained my rights when it comes to harassment. They are now pursuing legal action against Allied Interstate for abusing the FDCPA.
I am getting approximately 10 to 15 calls from this company Credence Recourse Management. Today I got 5 calls in less than 40 minutes.. I work so I ca n't answer however all of the calls that I have received from them have never left a message in regard to why they are calling.
I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Equifax and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. On My report, XXXX XXXX XXXX Account number XXXX is on my account as of today,XX/XX/XXXX. As of XX/XX/ XXXX XXXX XXXX was added to my account as a charge off for University  XXXX XXXX. They are both listed on my credit file and they are both listed as charge offs. These accounts are to be removed immediately from my credit file as they are not mine. I had attached proof.
My bank account is still getting payments deducted from it and the person that took out the loan is no longer my spouse. Avant said they ca n't do anything about it.
There were XXXX unauthorized transactions on my paypal Account, XXXX of which was refunded and the remaining XXXX paypal has refused to refund. They were not ebay purchases they were direct money sent on XXXX XXXX and XXXX XXXX. The sources seem to be XXXX and XXXX as XXXX of them is named XXXX XXXX and another is XXXX characters another is XXXX XXXX and the fourth which has already been refunded by the Scammer was XXXX XXXX. It appears to me that they sent out the first XXXX smaller withdrawls of {$100.00}, {$50.00}, and {$100.00} to see if they would go through. They did not, and the fourth charge of {$1400.00} the Scammers themselves withdrew after realizing I had no money in my back account.
Dear CFPB, About 10 months ago I was a victim of identity theft and went through all required procedures to protect myself. I filed a police report and FTC affidavit and notified all XXXX credit bureaus who shared the information with each other for my protection. After 6 months of working with the police everything was back to normal. Since fraud alerts make every financial transaction regarding credit or employment very sensitive I sent official letters to each agency with my passport scan and social security card scan along with employment identification making an official request to have the fraud alerts and security freeze removed. To my surprise only the XXXX agency has complied. There is still a short statement on my Equifax report the exact opposite of what I legally had requested removed under federal rights! I want these statements removed! Their inability to listen and follow instructions caused problems for me today during a particular transaction so this is it. I have attached a letter which was sent out in XXXX ...
I opened a XXXX/XXXX account with XXXX XXXX XXXX for my son. He lost his job and canceled service before contract ended. I made arrangements with XXXX XXXX XXXX/XXXX to pay out the contract and made monthly payments, paying the final payment on XX/XX/XXXX. In XX/XX/XXXX a report was made to all 3 credit reporting agencies of a collection due against me opened XX/XX/XXXX by Franklin Collection Services.  This has damaged my credit and dropped my credit score up to 80 points. I disputed this with all 3 credit reporting agencies and contacted both Franklin Collection Services and XXXX XXXX XXXX. XXXX XXXX XXXX has told me multiple times over the phone that all my accounts with them have been paid and nothing is owed for this bill. I also have a statement from XXXX showing a XXXX balance on this bill. I also told Franklin Collection Services that this bill has been paid and emailed them a copy of the statement. This bill was paid in XX/XX/XXXX before XXXX XXXX XXXX ever reported this as a collection but they refuse to remove it from my credit report and have continued to send requests for payment. They state that XXXX XXXX XXXX still shows this as due, even though XXXX XXXX XXXX has verified multiple times to me that there is no balance owed. So either XXXX XXXX XXXX or XXXX XXXX XXXX is giving false information and it continues to damage my credit. I have been trying for 4 months to get this resolved.
I received a confirmation to my XXXX email on XX/XX/XXXX  at approximately XXXX XXXX regarding a confirmation for a transfer that I supposedly made to XXXX via Western Union.

The original message is below : XXXX XXXX XXXX, Your money transfer 's complete.

XXXX XXXX  will need to bring a government-issued photo ID and the tracking number ( MTCN ) to pick up the XXXX USD you sent. Your receiver can pick up cash only at a location in the receiver 's state. You can also track the progress of your transfer using your MTCN.

Need help? Chat online or call us toll free 24/7 at XXXX.

Thanks for using Western Union.

For a mobile transaction, this is your receipt. For all other transactions this is a summary of your online receipt.

Your tracking number ( MTCN ) is : XXXX.

Transaction Date : XX/XX/2018 XXXX  ET Sender : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX City : XXXX  XXXX State : NY ZIP Code : XXXX  Country : UNITED STATES Phone Number : XXXX Receiver : Name : XXXX XXXX City : XXXX State : XXXX ZIP Code : XXXX   Country : XXXX Expected Payout Location : XXXX, XXXX, XXXX Payment Information : Card Type : Visa   Card Number : XXXX Expiration Date : XXXX Auth Code : XXXX  Transaction Type : Purchase Payout Information : Today 's Date :XX/XX/2018 Date available in receiver 's country : XX/XX/2018 Delivery Method : Only available at a location in the receiver 's state.

Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX  USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX  MXN Transfer Amount : XXXX MXN Total to Receiver : XXXX MXN For all transfers, receiver may receive less due to foreign taxes. For transfers to a bank account, receiver may also receive less due to fees charged by the receiver 's bank.

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the Receiver at XXXX   or XXXX XXXX XXXX. You can also contact us for a written explanation of your rights.

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.

For inquiries or comments, please visit XXXX XXXX XXXX e-mail Western Union or write to : XXXX XXXX XXXX  XXXX  , Inc XXXX XXXX XXXX XXXX XXXX CO XXXX or call : XXXX For questions or complaints about Western Union, contact : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) www.consumerfinance.gov XXXX XXXX State Department of Financial Services XXXX http : //www.dfs.ny.gov Western Union also makes money from currency exchange.

If your payment method is a credit or debit card, please note card issuer cash advance fee and associated interest charges may apply. XXXX  Card/ My WU # : XXXX   Points Earned : XXXX  Total Points : XXXX  END OF MESSAGE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is a fraudulent transaction as my name and address where utilized as senders to a person in XXXX XXXX . I report that I DID NOT MAKE THIS TRANSFER AND I DO NOT KNOW THIS INDIVIDUAL. THIS IS A FRAUDULENT TRANSACTION.
XXXX is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute
On XXXX I received an offer on a auction I had listed on XXXX. I accepted the offer for {$110.00} plus shipping of {$3.00} for a total of {$110.00}. The buyer, XXXX paid via PayPal goods and services that same day, XXXX. I purchased the postage through the XXXX transaction via PayPal on XXXX. This attached the tracking number directly to the transaction in XXXX and Paypal. The item was shipped and I never heard from the buyer after this point. 

On XX/XX/2018 - almost ONE YEAR later I receive an email from PayPal telling me that the buyer, XXXX, has filed an Unauthorized Transaction claim with her financial institution. As a result they have placed a hold on {$110.00} in my account. They stated that they needed tracking information for this transaction. The same day, XXXX, I uploaded confirmation of the sale, purchase, purchase of postage, and tracking number. I couldn't send the actual tracking information as it was no longer available since the USPS does not keep tracking records that long. And now, since it has been over a year that tracking number has been reused. 

On XXXX I received an email from PayPal telling me that because they were unable to verify the shipment information I sent they had officially debited my account for the {$110.00} and additionally they debited my account another {$20.00} for a chargeback fee! 

I called XXXX and they said - sorry, nothing we can do we do not keep records that long. I called PayPal and they said sorry, nothing we can do - she filed the claim with her Credit Card company. They would not tell me the credit card company name. 

How can someone make a claim from that long ago? Unless you have taken a screen shot showing the item as delivered you are out of luck! Everyone knows that tracking information isn't available that long. If this is the case, everyone will start disputing transactions this far out - get their money back and they get to keep the product/items. Where is the seller protection that XXXX and PayPal advertise all the time? My transaction was eligible for PP seller protection. It was goods and services. It had the tracking information. Why wasn't confirmation of delivery kept on file with the transaction history? 

This is not a fair practice. Where is the sellers protection? Unauthorized ACH transactions have 60 days to be filed per the NACHA rules. Where does the credit card company come in on this? 

I am attaching all the documentation I have on this case as well as a screen shot from the buyers XXXX  page showing that she was a user of the product she purchased from me.
Comenity Bank, which is the issuer of the XXXX XXXX credit card charges more than 25 % interest rate while at the same time does n't offer their customers a way to autopay a bill. While every credit card that I hold has moved towards the autopay function for consumers to keep their accounts current, it appears that the bank is purposefully looking for ways to aggressively garner revenue from late fees and high interest rates. I 've requested on XXXX occasions since opening this card for an auto bill pay function, but this feedback has been met with the status quo.
I PAID THE DEBT AFTER THEY AGREED TO NOTIFY ALL MAJOR CREDIT AGENCIES AND THEY CLAIM THEY HAVE BUT HAVE NOT XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone : XXXX Facsimile : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX File ID : Original Creditor : Original Account : Current Balance : Service Date : XXXX XXXX XXXX XXXX {$0.00} XX/XX/2013 Commonwealth Financial Systems , Inc. Is authorized to resolve the above-mentioned account. 



This shall confirm this debt as " Satisfied '' And you will have no further obligation to the above referenced creditor. We will also notify the XXXX major credit bureaus to delete the above referenced account as soon as possible. 

If you have any questions Or concerns, please feel free to contact me. 












Sincerely, XXXX XXXX XXXX XXXX Ext. XXXX Manager This is an attempt to collect a debt, by a debt collector, any information obtained will be used for that purpose. 
This letter is subject to receipt of payment total. If made, this letter serves as authorization to remit said payment. If payment is voided or offer not accepted/completed by dates listed above, CFSI is not obligated to renew the offer. 


Email Account Manager Give Us a Call Save Contact Information
The XXXX travel company charged me over {$700.00} dollars. I called XXXX and they told me it 's for a travel tickets. I did not buy any ticket from XXXX and i dont know who is the person in the collector named and mention in the letter. And in addition I had already bought XXXX tickets for 5 days in NY from XXXX 2 weeks before this incident, not the XXXX. I called and claimed Unauthorized Transaction. XXXX investigate in 2-3 week and refund me the amounts they took from me. Today XXXX XXXX i received letter from their collector and try to collect {$250.00} which the debt is n't mine.
on XX/XX/XXXX Pressler & Pressler LLP address XXXX XXXX XXXX XXXX, new jersey XXXX Phone number XXXX, filed case against me case number XXXX XXXX in XXXX county on behalf of XXXX XXXX, address XXXX XXXX XXXX XXXX OH XXXX phone number XXXX, which was dismissed on XX/XX/XXXX but till today 's date XX/XX/XXXX there is a judgement showing on my credit report by XXXX when I call XXXX they told me to call Pressler & Pressler. when I call pressler & pressler they told me that they have nothing to do with this case. I have to call XXXX  so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me pressler & pressler they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( XXXX XXXX ) records but my XXXX credit report showing that pressler check my report on XX/XX/XXXX I have the proof if u want I can submit them to I think this is a fraud.
XXXX XXXX  this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report
TransUnion Credit Bureau has reported another unverified account on my credit report. This is a constant violation of Section 609 of the Fair Credit Reporting Act. 
Credit Bureaus are required to verify signatures on Contracts submitted to validate the debts.
InXX/XX/XXXX I received a notice from US Bank that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from US Bank alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of US Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with US Bank, past due or otherwise. He then connected me on his internal phone with the US Bank Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice datedXX/XX/XXXX, from XXXX XXXX XXXX XXXX alleging a further increased amount due on the same account that US Bank has already verified is not mine or my wife 's.
The below " also-known-as '' names were quoted in my XXXX, 2016 credit report, I have NEVER been known under these names, please DELETE them : XXXX XXXXXXXX
Called mortgage broker XXXX XXXX @ Impac Mortgage XXXX/XXXX/16 & requested he re-establish my escrow acct. He said he would. Called Cashcall XXXX/XXXX/16 XXXX am. Spoke to XXXX. She said she would set up escrow acct & have insurance agent send her the bill. Called Cashcall again on XXXX/XXXX/16 & spoke to XXXX. He apologized for XXXX not setting up escrow acct & said he would set it up & would expedite it thru his manager. Escrow acct still not set up.
I received word on XXXX/XXXX/XXXX, via a news outlet, that a security breach had occur within Equifax between XXXX and XXXX where my personal information may have been compromised. I went onto Equifax 's website and found, from them directly, that my information has been compromised.
This account belongs to my father. Experian updates the account and states that it belongs to me. My father XXXX XXXX called XXXX in XXXX and recorded to the CS rep. that he did not authorize XXXX to add me XXXX XXXX as an authorized user. He requested that they terminate me from his account and they did. XXXX re-investigated and removed XXXX from my Credit Report. I need Experian to do the same. I request that Experian to review the recordings that my father left with the XXXX Customer Service Rep in XXXX. In doing so, Experian will find that XXXX added me without my or my father 's authorization. ( THIS ACCOUNT DOES NOT BELONG TO ME ).
I have been getting repeated voicemails from XXXX XXXX XXXX. First and foremost, I have not received any written letter from XXXX XXXX XXXX via U.S. Mail, as required by federal law, informing me of their intent to collect any debt from me, nor my right to dispute the debt. Secondly, I have informed them, via my voicemail, that they are to leave a detailed message why and who they are collecting for and if they continue to harass me I will report them. This method has failed as all they leave for a voicemail is, " This is an attempt to collect a debt by a debt collector. Please call XXXX XXXX XXXX at XXXX. Thank you. '' Third, according my credit reports, I have no outstanding debt that has been referred to a debt collector. Ultimately, XXXX XXXX XXXX needs to stop harassing me with debt collection, when they have the wrong number. Here are some of the calling and voicemail records I have of them. Called and left voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  Called and left no voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX