WillisBack/dataset-financial-user-claim huggingface dataset:
FIRST OFF THIS COMPLAINT DOES NOT CONSTITUTE ANY ID THEFT SO EXPERIAN IS NOT TO PUT ANY KIND OF FREEZES ON MY REPORT. EVERY TIME I ASK THEM TO REMOVE AN INQUIRY THAT DID NOT HAVE A PERMISSIBLE PURPOSE THEY WANT TO SAY I ASKED THEM TO PUT A FREEZE ON MY REPORT AND THAT IS NOT WHAT I AM ASKING THEM TO DO. THEY HAVE A BUNCH OF INQUIRIES ON MY ACCOUNT THAT DO NOT HAVE A PERMISSIBLE PURPOSE AND I AM ASKING THAT THEY TAKE THEM OFF AND THEY WILL NOT. THE FOLLOWING INQUIRIES ARE TO BE REMOVED AS THEY DO NOT HAVE ANY PERMISSIBLE PURPOSE AND EXPERIAN KNOWS THIS. 

1. XXXX ON XXXX XXXX XXXX : REASON UNSPECIFIED 2. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 3. XXXX XXXX XX/XX/XXXX : REASON UNSPECIFIED 4. XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 5. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 6. XXXX XXXX XXXX. XXXX XXXX XXXX : REASON UNSPECIFIED 7. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 8. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 9. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 10. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED Experian has been notified in writing on XXXX separate occasions about these being removed. Instead of removing them they just say that i requested a security freeze on my account or that i alerted them of ID Theft and that is NOT THE CASE and They are not to put any kind of freezes on my account. I am filing this complaint here because I want a record that I am not asking them to put a freeze on my account but I am asking them to remove the above inquiries because they did not have any permissible purpose as I was never offered nor extended any credit with those companies. On my credit report Experian specifically says we offer credit information about you to those that have a permissible purpose such as preapproved credit, employment, investor potentials, experian consumer assistance, mortgage completion or insurance underwriting. According to my records and research none of the above listed XXXX items meet any of these criteria and I am asking that Experian remove them immediately from my file and DO NOT PUT any freezes on my account as I am NOT asking you to do that and then immediately send me a new updated copy of my credit report.
Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that
XXXX XXXX XXXX reported four accounts under collections on my credit report and said they would remove them but to date has not removed them. XXXX XXXX XXXX is quick to report but taking their time to fix their mistake and in the meantime they are hurting my credit for their mistakes.
I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX XXXX Extn XXXX from Asset Recovery Solutions LLC. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.
XXXX : WHAT HAPPENEDI am complaining about a deceptive, negative-option add-on product called " XXXX XXXX Solutions '' on PNC Merchant Services small business accounts. This is similar to the negative option affilliate marketing products that have been the bain of consumer accounts for years. The CFPB in its bank oversight role needs to nip this in the bud on the Small business accounts. 

In XX/XX/XXXX I cancelled credit card processing on my PNC merchant bank account through PNC Merchant services. In XX/XX/XXXX I deactivated my credit card processing with them, and I stopped getting billed a monthly fee. In XX/XX/XXXX, they started charging a monthly fee for XXXX. They said that they imposed this charge via a letter that they sent me in XX/XX/XXXX advising me of the new fee, and they said they had the right to charge new fees according to the merchant agreement. This merchant agreement, they say has a pro-rate early termination charge. My early termination charge at this time they say would be {$450.00}. I dispute signing a three year agreement with an early termination charge. Also I argue a contract that they have the right to arbitrarily add charges is a contract of adhesion - and at best there is a duty of good faith and fair dealing in adding charges. In this case, a new {$24.00} charge for an inactive account for protection not needed or asked for is not good faith - especially when the letter they sent me was sent to an outdated address, a letter that did not get to me. On the other hand their statements do get to me electronically. They could have sent me the letter electronically as well. 
Finally, PNC Merchant Services is a deceptive name. They claim they are separate from PNC bank. They were referred to me by PNC Bank, and they use PNC 's logo. I updated my address with PNC Bank in XX/XX/XXXX, I presumed ( wrongly, I guess ) that PNC Merchant Services would receive the updated address as well.
DCM Services has phoned 2 times requesting information regarding the executor for my brother-in-law 's estate. I asked them NOT to contact me after the first phone call and they did so again this morning
I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/XXXX in the amount of {$800.00}. They have debited {$130.00} twice a month from that date until late XXXX or early XXXX XXXX, at which time, they raised my payments to {$150.00} every other Thursday. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I had n't intended to pay so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan.
I have reached out to my creditors that are reporting my payments as past due and I have never been late on a payment. I have had issues with these companies reporting incorrect payment status. I gave them the opportunity to fix this but seems like I'm not getting anywhere and I was advised I could reach out to you. These are the accounts reporting inaccurate payment information. 

1. XXXX XXXX  Acct # XXXX ( Experian, XXXX, XXXX ) 2. XXXX XXXX Acct # XXXX ( Experian ) 3. XXXX XXXX XXXX Acct # XXXX ( Experian )
I was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. XXXX, TransUnion, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told XXXX to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.
Yes my name is XXXX XXXX XXXX I am a XXXX year old lady still working a full-time job trying to keep my home I have my mortgage through OCWEN LOAN SERVICE. MY PAYMENTS ARE {$570.00} A MONTH I HAVE BEEN SENDING {$600.00} A MONTH PROBABLY FOR THE LAST COUPLE OF YEARS I RECENTLY MAILED IN XX/XX/XXXX AND XX/XX/XXXX PAYMENT I SENT {$1200.00} THEY MAILED IT BACK TO ME AND TOLD ME THEY COULD NOT ACCEPT IT BECAUSE I DID NOT HAVE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENT MADE I ALWAYS SEND A CASHIER 'S CHECK OVERNIGHT IT THROUGH THE POST OFFICE AND REQUIRE A SIGNATURE WHEN THEY RECEIVE IT I HAVE COPIES OF WORD SOMEONE HAS SIGNED FOR IT AND RECEIVED IT BUT YET THEY HAVE NOT APPLIED IT TO MY LOAN AND THEY CONTINUE TO SAY I HAVE NOT MADE MY PAYMENTS AND CHARGE ME LATE FEES I WOULD APPRECIATE IT IF YOU COULD HELP ME GET THIS RESOLVED. I hope I did this all correct I am not up-to-date too much on all this computer stuff but if you need any more information just please email me and I will get my daughter to help me do what I need to thank you XXXX XXXX
I was sued for an old debt that was acquired by Asset Acquisitions Group out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
I was garnished and paid this account off, it 's still being listed as a judgement that was never paid. I contacted the  XXXX    XXXX   and they were supposed to remove it. I called courthouse and it 's still being listed as unpaid
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further  unreasonable that they are not directly notifying every single person affected by this incident.
On XXXX XXXX, XXXX I submitted correspondence to Capital One because of suspected fraudulent activity by the bank for accounts in my name ending in XXXX, XXXX, and XXXX. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Capital One on XXXX XXXX, XXXX.
I was aware of a computer glitch that was on TransUnion part. My credit inquiries were deleted, and reappeared back on my credit report. I understand that TransUnion had 5 days to notify me and they did n't. I called and the representative was of no help at all and was very rude. I asked to be transferred to a United States rep and was hung up up on.
Hello I called RushCard on X/XX/17 and X/XX/17 to get information about my cards services rushgoals explaining the feature in detail also to breakdown my actual deposits and amounts for a lawyer. This information was not provided to me as I was disconnected from the call by a representative twice. There is no corporate contact number as this is for legal purposes.I also asked for corporate contact info and the legal department info as well and was disconnected.
In 2012 my wife signed up for a Nordstrom Visa, I did not apply. A few weeks later, we both received a credit card, though I was not listed to get one. I noticed a year or so later that Nordstroms Visa was showing up on my personal credit bureau. I do not know how they got my social security #. I called to cancel the card today and was told that I am not able to cancel the card. To clarify, I was not calling to cancel my wife 's account. This was strictly to cancel the account Nordstrom set up for me without my consent. According to the representative, only my wife can cancel the card that is issued to me and is showing up on my credit. I am not able to do so. How is it my wife has more authority over my personal credit than I do? Look, if Nordstrom issued me a card on my wife 's account and it was not tied to my credit then I get it, its up to her to cancel. But, since Nordstrom has put this on my personal credit bureau, it is now up to me. I do not understand how Nordstrom can keep a credit card active ( that has a XXXX balance and is rarely used ) for a customer who requests it be canceled. Please help me here. Thank you.
I have an existing lease with my car which will expire in XX/XX/XXXX. My lease is held by Chase Bank. I have a perfect payment record since XX/XX/XXXX which is when I signed the lease. However, my credit report regarding my lease is negative since I filed for bankruptcy in XX/XX/XXXX which was closed in XX/XX/XXXX. I did not include my lease in that bankruptcy and I held on to my car with continuing to make prompt payments. I have never been late and my account shows that I pay at least 10 days early each month. I submitted all paper work to Chase and my attorneys have contacted them as well and I have spoken with them numerous times. They refuse to report my excellent status and continue to report that my account is closed due to bankruptcy and in derogatory status. 
They insist that since I have a bankruptcy on my record that they have the right to report it on my credit report with them. This is affecting my ability to lease another car because of the inaccurate reporting by Chase Bank. I have had two accounts with Chase in my life time for cars and each one was in excellent standing. My bankruptcy in no way affected my lease and yet they are affecting my credit and credit score negatively. Please help me to have this corrected.
I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original FedLoan account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.
On XXXX XXXX, XXXX of XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in XXXX Bankruptcy Court in XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against JPMorgan, he said, " The complaint sets forth a cause of action that Chase is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by CHASE that appears on my credit report.
i came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end
XXXX XXXX services had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired weber/olcese. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX   and weber/olcese through email, but now when I email XXXX about this they only give me a number to call. I have made several attempts with XXXX  to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.
The company ERC have been calling my phone everyday at least 3 times a day asking for a XXXX XXXX which I've repeatedly told them that they have the wrong number and this has been going for at least 3-4 months and it is very annoying. No matter what i tell as far as removing my number they always state that they will yet they don't. I would like to file a complaint and lawsuit for phone harassment because they are going to continue to call unless I do. I do not want to go into another year with this nonsense.
I have XXXX negative accounts on my XXXX Report from AR Resources Inc/XXXX. Those accounts are paid in full, because I have XXXX Insurance and when I got to the doctors or hospital XXXX pays my bill in full. 
Please assist me with this matter.
I applied for a loan modification which has been in progress for some time now, with select portfolio servicing, i have spoken to them in the month of XXXX, XXXX on XXXX XXXX. XXXX XXXX. XXXX and XXXX /16 regarding varies requested documents that were sent in and received the last person i spoke to was a XXXX XXXX XXXX on XXXX about XXXX ; XXXX in the afternoon, i was told that they had everything in that was needed, at no time was there ever mention that some thing was wrong or there was something missing, well today i got a letter stating that my file was closed because of missing documents and my home is set for sale on XXXX/XXXX/16. I really dont know what kind of games these people are playing nobody said anything to me about this all the times i called, they never called to say nothing just like that they closed the file, and the excuse was and they waited until a few days before the sale to tell me was my non borrower income provider didnt prove that he lived in the property even with a telephone bill, electric bill and a bank statement with his name and our property address on it select portfolio is full of it, this is nothing but XXXX, to take my home they make XXXX XXXX look like XXXX. ps I also included the dated letters they sent to show they are liars they never said nothing about the documents!!!
XXXX XXXX  XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance
My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- XXXX , and Experian. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.
Received 2 letters from Midland, stating to pay by a certain date, or legal action may occur.  This complaint is in reference to the first page of my attachment. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. Thank you.
Credit Report Inquiry XX/XX/XXXX Your company Citi Bank BestBuy Card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
You can prove that this process mandated by the FCRA took place between your company and XXXX  consumer reporting agency? 

Citi Bank XXXX, Best Buy did not reply to both dispute letters sent XX/XX/XXXX and XX/XX/XXXX. 
Per the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.
I have disputed these tax liens reporting on my Transunion Report many different times because these XXXX tax liens do not belong to me. I have dispute letters to Transunion on XXXX XXXX, 2016, XXXX XXXX, 2016, XXXX XXXX & XXXX, 2016, and XXXX XXXX, 2016. I am tired of disputing this inaccurate reporting. I am asking for your assistance in getting this matter resolved and removed from my Transunion Credit File.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX Account Number : XXXX Date : XX/XX/2014 Amount :