WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
Chase Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Chase Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX
I have received several calls from this company on my cell phone and XXXX other lines on my cell phone account claiming to be an attorney 's office and have also received the following email in my spam folder : NOTIFICATION REGARDING CASE XXXX XXXX XXXX SSN : XXXX ROUTING NUMBER : -XXXX DL-XXXX CASE NUMBER- XXXX PENDING AMOUNT : {$990.00} SETTLEMENT AMOUNT : {$430.00} Defendant XXXX We are hereby informing you that my client ACS CASH SERVICES is going to file a legal case against you at District Court . Your total outstanding with late charges, interest charges and attorney charges has been reached to {$1200.00} which is more than enough to file a lawsuit. As advised by my client, I hereby was giving you a notice before filing this case. 

Be notified that documents are being prepared for the issue of summons regarding the above debt. 

JUDGEMENT in this matter may lead to : ( a ) Additional legal Costs being charged. 

( b ) Entry on the COURT JUDGEMENT REGISTER making it difficult to obtain future Credit. 

FAILURE to make payment after judgment of Court lead to : ( a ) Seizure of assets by a Court ( b ) Attendance in Court for an Oral Examination regarding assets, liabilities, Income and outgoings ( c ) A Garnishee order attached to your bank accounts. 

( d ) Bankruptcy or liquidation If you are willing to resolve this case then we can provide you a onetime settlement offer of {$430.00} that has to be paid by Today as paid in full with XXXX balance. 

Kindly make sure and update us your confirmation so that we can update our accounts department to hold your case and send you further instruction in order to make the payment. 

You will receive a legal notice at your address within next 2 business days if this case remains unresolved. Our client is going to offer you the settlement amount which is {$430.00} in order to resolve this matter, It is essential that you immediately settle this account by sending settlement amount. The consequence of ignoring this notice could be very serious. 

If we have n't received any mail from your side then we will be downloading the case file to the court house and we will also inform your work place about your debt and the case file, and once the case file is forwarded to the court house then you have to pay {$4000.00} in front of the judiciary and then the settlement amount {$430.00} will not be acceptable. 

NOTE : IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THEN ALL OF YOUR BANK ACCOUNTS WITH ( XXXX XXXX ) WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT THREE BUSINESS DAYS THAT 'S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED. 

Sincerely, Law & Investigation Department ACS CASH SERVICES
Repeated robocalls from various numbers asking for XXXX XXXX. I 've spoken with live operators to notify that the person they 're calling is not at this number and have asked my number to be removed several times, but I still receive these calls. They claim they are debt collectors calling on behalf of XXXX XXXX.
TCF Bank denied a valid Charge Back because of customer benefit. I tried to return the product back to XXXX XXXX XXXX three times. Two by email one by certified mail restricted delivery. The certified mail was unclaimed and mailed back to me. Under visa regulation E under chargeback Management guidelines for merchants. reason code XXXX : not as described or defective merchandise. I 'm only required to make a valid attempt to return per visa regulations. XXXX example is " an example of a valid attempt to return may be to request that the merchant retrieve the goods at the merchant 's own expense. Please see attached visa regulations. Two times on XX/XX/2016 I requested per email that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. '' On XXXX XXXX, 2016 I requested per certified mail return receipt that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. The mail was unclaimed and returned back to me. I followed visa regulations and fact is TFC wrongfully denied my claim. I 'm legally entitled to a full refund per visa regulation E guidelines that TCF bank is supposed to follow and simply does not. If this issue is not resolved here I will separately file The Claim Notice for Arbitration I do know my rights and they were wrongfully denied here.
I am having an issue that I can not seem to have resolved and have been trying to speak with a supervisor at Wells Fargo, but have been leaving messages with no return calls. On XX/XX/18, I contracted XXXX XXXX with XXXX XXXX XXXX to provide floral services for my wedding, which was supposed to be on XX/XX/18. I sent her {$390.00} on XX/XX/18. On XX/XX/18, my then fianc and I had to change the date of our wedding due to a financial emergency. We changed it to XX/XX/2018, but decided we would go on and get married, which we did on XX/XX/2018. I informed XXXX about the change and she agreed with the date change ( I have included all correspondence in regards to this ). Sadly on XX/XX/2018, my husband had a massive XXXX XXXX and passed away. While I was grieving and making funeral arrangements, I had an associate reach out to her in regards to refunding the deposit of {$390.00}, she agreed. My associate contacted her on XX/XX/2018 and she stated that she would see how much the deposit was and contact her back. This was the last we heard from her. I have sent emails and messages, with no response and decided to contact Wells Fargo to retrieve my money. I was told on XX/XX/2018, that I would not be able to dispute it because of the time that has passed. While I am very aware this transaction took place in XXXX, I did not expect my husband to pass away. I called back multiple times since then to try to appeal the decision based on the circumstances and was escalated to a manager, no one has contacted me back. I am very upset with the lack of empathy and poor customer service I have received in regards to this incident. I would not need to dispute this if the merchant would have gotten back with me, nor if my husband had not unexpectedly passed away. I would like some sort of resolution regarding this because up until now, I have not had any issues with Wells Fargo bank.
On XX/XX/XXXX my attorney sent certified mail to XXXX XXXX also know as XXXX XXXX in an attempt to settle my debt. It contained a settlement letter and check # XXXX for the amount of {$500.00}, both of which stated that negotiation of the check shall constitute complete satisfaction of claims. The last 4 digits of my account number were written in the memo section of the check stating full settlement. On XX/XX/XXXX, the settlement check for {$500.00} was cashed. 

The credit agencies are still reporting I have a past due balance, I believe that this is a violation of the Fair Debt Collection Practices Act, 15 U.S.C.1692 ( c ) as this debt has been settled by the original creditor and should be reported as paid settled with {$0.00} balance due. 

I called XXXX 's on XX/XX/XXXX but was not able to resolve this matter.
I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.
I have never had an account nor have I ever requested information from Kia Motors Finance. They call me at XXXX twice a day for the last 3 months wanting payment. I have asked them 3 times to stop calling to no avail.
On XXXX XXXX, I went to the website www.annualcreditreport.com and tried to request my free annual report to be provided to me through the XXXX. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only XXXX phone number : XXXX. I called this number about XXXX times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.
" FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''.

CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM XXXX  CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.
The last week of XX/XX/XXXX I contacted XXXX XXXX XXXX about deferring XX/XX/XXXX lease payment to the end of the lease agreement due to financial difficulties at the time. I was granted the deferral, and I was told by customer service that as long as the deferral agreement was received back in time ( XX/XX/XXXX ) that I would not receive a 30 day marker on my account. To begin, I was told the deferral agreement could not be sent through an email, but needed to be mailed to me. They spelled my address incorrectly, so it was delayed in getting to my residence. However, when I finally received the agreement, I sent it to XXXX along with a check for {$32.00}. They received the agreement and check prior to XX/XX/XXXX, and the deferral went through. However, when I went to get a pre-approval letter to purchase a home, I found out that XXXX had placed a 30 day derogatory mark on my credit. This mark is causing damages by increasing the interest rate on a new home that we are interested in. I contacted XXXX, and they are refusing to remove the marker even though I was told I would not receive a 30 day marker and their misspelling of my address delayed the deferral agreement. We fully paid off our lease in XX/XX/XXXX ; we owe nothing, so there would have been no point in going through a deferral unless it prevented the delinquent marker on our credit. The customer service I have received through XXXX  has been extremely poor, and I feel that I have been tricked by them. I have been a customer with them for ten years and have always been current on my account. If this does not get resolved ; they have lost a customer and I will seek damages.
XXXX closed their business in XX/XX/XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XX/XX/XXXX and XX/XX/XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XX/XX/XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, XXXX XXXX took over the account and claimed that I owed XXXX dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed GE Money bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with XXXX XXXX or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XX/XX/XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
XXXX   account is showing  XXXX  days past due as of   XXXX   XXXX   and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.
The Indiana Department of Revenue contacted me recently, claiming that I may owe back taxes from 2011. However, I was a resident of another state that year, and paid my taxes there in full and on time. I wrote back with a letter attesting to this fact, with my state tax return attached. Although I responded before the indicated deadline, my response has been mostly ignored. Instead, I received XXXX subsequent letters within about a month, demanding payment as part of a tax amnesty program by XXXX XXXX. Otherwise, I was warned that I would be subject to double penalties, civil, and criminal liabilities. Subsequent calls to the Indiana DOR after each letter acknowledged the receipt of my original response. However, it has gone unread to date, and thus failed to affect these collection efforts. 

I recently learned that XXXX letters like the ones I received were sent out to innocent people. Indiana 's government contracted with Navient Corporation, and agreed to pay them based on how much money they bring in : XXXX
This account suddenly showed up on my credit report XX/XX/XXXX. I have no clue as to where this debt came from nor have I received any notice of this debt prior to them reporting it on my credit report. It 's apparent they have my address to send me notification as I just disputed accounts with this company and they responded to my address regarding the disputes. According to my credit report, the date of 1st delinquency was XX/XX/XXXX but the debt was not assigned to this office until XX/XX/XXXX and did n't report until XX/XX/XXXX ( when I began disputing other accounts this company had reported and DELETED once I disputed them. I would think that a company must give some sort of nitification prior to reporting on my credit report. I am trying to achieve certain financial goals and I just paid XXXX accounts from the hospital I went to just to simply avoid any sort of credit reporting. Had I Gotten something from this company prior to them reporting it after researching the account with my insurance company as well as the hospital, if it where something I owed, I would 've paid it as well. This is obserd that companies are allowed to get away with this and it 's a constant battle to have to protect yourself against collection agencies that are out to collect no matter what the cost to a consumer. They can brake the laws and I 've had enough of it. I 'm reaching out to CFPB in an attempt to have this handled correctly. Not only do I expect the account to be removed but I want proof that this debt is even mine because I 've always had insurance and I find it very strange that suddenly a collection comes from your office when I disputed other accounts reporting on my credit report.
I am currently disputing a collection company, XXXX XXXX, reporting a medical bill for XXXX XXXX XXXX XXXX of {$270.00} to Equifax. The medical bill is related to a vehicle accident where I was not at fault. When I went to XXXX I requested they bill my XXXX XXXX XXXX insurance which would have paid 100 % and I also called and asked the corporate office to accept the auto insurance and they decline. I gave them my health insurance left me owing the {$270.00}. I requested to process payment 3 times and they failed to do so. Consequently I received a letter from XXXX XXXX notifying me it was submitted to them for collection XXXX XXXX 2016 and if I paid within 30 days they would not submit to credit reporting. I provided payment within this 30 day time frame via my credit card. I thought was taken care of. I am now purchasing a new home and this item is on my credit reports. I asked XXXX XXXX why they reported to credit reporting companies and they said I had failed to include a expiration date for my credit card. I called and asked XXXX why did n't they contact me and let me know and they said it was n't their responsibility. I resubmitted payment in XXXX and asked XXXX XXXX to please retract their submission to the reporting agencies that I had not paid my bill back in XXXX 2016. They said they could n't so I contacted Equifax explained to them the issue and asked they remove and they said they could n't remove from my report that it would have to come from XXXX XXXX. Explained to XXXX the time sensitivity and how I believe it 's unfair that my XXXX score was at XXXX in XXXX and now is XXXX due to this XXXX invoice all because XXXX XXXX would n't send my a request for my credit card expiration date. This has a high monetary impact to financing my new home. It prevents me from receiving the lower interest rate I would be entitled to had my XXXX score still been at XXXX. It 's extremely surprising to me this XXXX bill of {$270.00} has the ability to impact me so significantly on a personal monetary level. I accept responsibility for what I owe and I pay my bills that I know about 100 %. But when you 're not notified of something so minor as a credit card expiration date it makes impossible to pay especially when I thought it had already been paid. I just need help and unfortunately I keep being told XXXX XXXX and Equifax get 30 days to address this dispute when I do n't have that much time to finance my home and there 's is not away to expedite resolution. I 've never felt so helpless in my life. To maker matters worse I was told by a dispute agent at Equifax that if I enrolled in their program " Complete Advantage '' for {$17.00} per month that they would help me work with other reporting agencies to help resolve this dispute. So when I called Equifax today they told me that was not XXXX of their services and they could not do anything until they were notified my XXXX who has already told me they are unwilling to help me. Please help
I refinanced in XX/XX/2015. Every year the Bank says I have an Escrow Shortage. This year is the most expensive one they are asking me to pay. I am on a fixed income and this makes it hard for me when each year my payments adjust. The Bank said they do an analysis rather than an actual which makes it hard for me and they are already telling me that my payments will be going up next year. I wish I could regulate the payments and not owe an unknown lump sum each year.
This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XXXX/XXXX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
There is a fraud hold on my checking account due to a claim against me. I called and explain the situation on XX/XX/2018. They need 10 business days to resolve it. But I need access to pay my bill and rent for living. This is a financial hardship I am experiencing.
I spoke with  National Credit Systems  on  XXXX   XXXX ,   XXXX   a t   XXXX   XXXX   (  MST ) regarding a removal of an account that has been paid in full several years ago. The account representative that I spoke with on a recorded line agreed to electronically send the removal to all  XXXX  CRAs on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX   I called all  XXXX  CRAs and none of them had received an electronic communication. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ) I called  National Credit Systems a gain and spoke with my account representative 's supervisor. Again, on a recorded line, they agreed to send an electronic communication to all  XXXX  CRAs to remove the account from my report. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ), I called  XXXX  and was able to have the agent call National Credit  Systems  and  get  a verbal confirmation of removal from them. This has since been removed from my   XXXX   report but not  XXXX  or    XXXX   I would  National Credit S ystems to either respond to the disputes that I have placed with the  XXXX  CRAs or to actually do what they have promised and send the removals over.