WillisBack/dataset-financial-user-claim huggingface dataset:
I called XXXX XXXX XXXX to inquire about getting my daughter phone service at her address- in my name. After taking all my information the young man I spoke with informed me the service I was inquiring about was not available in her area. I thought that was the end and then I started getting bills from XXXX XXXX XXXX addressed to me at my daughter 's address. Eventually the bills started to come to my home address. After several contacts with XXXX XXXX XXXX and explaining I had not had service from them ( at MY home address ) in over 20 years I received paperwork explaining I was released from owing that bill. Now I am getting calls from this company AFNI saying I owe them that amount even though I never owed XXXX XXXX XXXX. I never owed XXXX XXXX XXXX and have no idea why I owe these people who call me continuously and persistently
I have made an international transfer of XXXX XXXX to Coinbase Inc on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying they will not deposit the money into my account, but refund it within 1-2 business days instead. I have been waiting for the refund 3 weeks now and have not received any response or money back from the company. The customer service is not responding either.
XXXX   XXXX  states in a letter that i opened an account with Just MIlitary Loans in  XXXX  of   XXXX  . I have not been a part of the MIlitary since  XXXX   XXXX  i do not have any knowledge of a loan with  XXXX   XXXX  or Just MIlitary. I have dispute this account numerous times and have asked for account verification. I do not have a contract with  XXXX   XXXX  and i do not have any knowledge of an account with Just MIlitary.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX XXXX XXXX Transunion : XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXXXXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX   : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX.
From XX/XX/XXXX thru XX/XX/2016, I because a victim of predatory lending practices by my home mortgage company : CitiMortgage Special Loans XXXX XXXX with a rate increase of 10.24 %
They keep calling me at work and I have asked on XXXX different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
I joined XXXX fitness in XXXX/XXXX/XXXX at the XXXX location in New York. I was in the process of moving XXXX when I join the jim, The apartment was completed until XXXX of XXXX. I went back to the jim In the month of XXXX XXXX and paid my fees in person. The next time I went to the jim was in XXXX of XXXX to pay my membership Fees and was told that my account was closed. I was told that in order for me to maintain my membership I had to payoff my old account and then reopen a new account. I did what was requested, I further requested to pay for the entire year. 
During XXXX I ran my credit and discoverd that XXXX fitness through FIRST CREDIT SERVICES. I contacted this company and I was told that I have to paid my pasdue account which is a total {$240.00}. I told the credit company that it is imposible to have XXXX active accounts. I emailed my proof to show that my account was current. XXXX FITNESS CLAIMED THAT I HAVE TO PAY THIS ACCOUNT IN FULL ALTHOUGH I HAVE PAID MY ACCOUNT FOR AN ENTIRE YEAR. THIS IS MY ARGYEMENT 1 : I PAID FOR MY JIM MEMBERSHIP FOR 1 YEAR. 
2 : XXXX FITNESS CONTINUES TO BILL ME FOR THAT ACCOUNT THAT WAS CLOSED. 
XXXX : I XXXX XXXX HAVE XXXX SIGNED CONTRACTS. XXXX IS ACTIVE AND XXXX IS IN COLECTIONS AT THE SAME TIME MY MEMBERSHIP IS PAID IN FULL. 
4 : I MADE SEVERAL ATTEMPTS TO HAVE XXXX FITNESS PREPARE A LETTER FOR ME EXPLAINING THAT THIS WAS A PROBLEM WITH XXXX FITNESS NOT ME As of today First Credit Services is reporting a collection account on my credit. I have never authorized XXXX Fitness to access my Credit Profile. I think this act is illegal and I am requesting a FULL investigation onto this matter. 
I was told by XXXX that this will stay on my credit record for the next 7 years.. I should not be suffering due to XXXX fitness employee mistakes.
Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from XXXX could not be collected by any other means. On XXXX XXXX I received a call from Zwicker & Assoc 80 Minute XXXX XXXX, XXXX MA XXXX trying to collect the XXXX debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.
I HAVE 27 INQUIRIES ON MY EQUIFAX AND XXXX REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED EQUIFAX AND XXXX SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.
Spouses first consolidated loans in XX/XX/XXXX and later refinanced the consolidation loan in XX/XX/XXXX with a balance of {$110000.00}. Husband diagnosed with chronic XXXX XXXX and unable to maintain income. Hardship deferral offered. Loan balance grew and is currently {$270000.00}. Now paying on income-based repayment plan but do not anticipate ever having enough income to pay off the loan.
I disputed XXXX XXXX XXXX credit card account shouldnt be reporting in my credit file and it was removed and it reappeared again. Im finally requesting this to be removed from my file as soon as possible or else I would take legal action against equifax as this account should not be reporting in my credit file at this time.
I reached out to Experian to have this issue solved. They did help a little bit but have missed a few items that still do not belong to me due to fraud. I did put a fraud protection alert on my credit profile. 

Items that do not belong to me XXXX XXXX- XX/XX/XXXX Inquiries not made by me are listed below, XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX , XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX
Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.
On XXXX, I scheduled XXXX transfers from my accounts at other banks. I received a voice mail to call money movement at XXXX. I called and Chase rep made a conference call with XXXX XXXX ( the other bank ) to verify funds. Chase verified everything and no other transfers required verification. But, this second transfer was rejected because someone did not follow thru. 
While I have received good to great service from other departments at Chase but not from XXXX XXXX XXXX XXXX. 
I would like to know why this transfer was rejected after confirming that no other verification is required for other transfers.
I am filing this complaint using information obtained from XXXX credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX  is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
I have an account with XXXX XXXX. I paid my XXXX payment late. When I realized the payment was late I logged into their website to make a {$65.00} payment. This payment was consisted of the payment due of {$45.00} and a late feeAt the time the website stated that no other money was do until XX/XX/2018. Thus I paid the account based on the information on the website. I log into my account today ( XX/XX/2018 ) to make my monthly payment and it say I have a minimum do of {$90.00}. I begin looking to the activity section on the account, which is closed, and it says that I was charged a {$38.00} late fee and some extra interest for the month of XXXX. I call to inquire as to why a second late fee was accessed onto my account and was told that I short paid the last months payment. I tried to inquire as to how that is possible when I simply paid what their website stated like I have for the past three or four years. They told me that the paper statement that was mailed to me stated a payment of {$88.00} was due and not {$65.00}. Then I asked why their website stated on thing and a paper statement would say another for which I couldn't get an answer. I asked why would I not paid the extra {$23.00} to avoid them charging me {$38.00} as it doesn't make since. Then I asked can I not to rely on the information that is provided on the website and only on a paper statement, again receiving no response. I explained that I don't look at paper statements since most companies have gone completely electronic. I also explain why would I short pay my account when there is not one time in the accounts history that something like that has been done but no answer. Every question I asked was met with its on the paper statement. I even asked why have the information on the website if its not accurate or one needs to rely on a paper statement, again not response. My problem is if I rely solely on a paper statement and the website has different information which on is to be believed or does the bank get to pick and choose between the two in order to charge a late fee, by the way the account has not been late in well over a year and when its late its only due to the fact that I forgot and not that I have trouble paying the account
I, XXXX, received XXXX collection letters from Nationwide credit Inc. where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the Bar Code. 

Showing the " Bar Code '' is a FDCPA violation of section 1692f ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me XXXX options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas Finance Code. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX., the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/2015. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself.
In XX/XX/XXXX I opened an account with VW Credit Inc on a XXXX XXXX XXXX  and in XX/XX/XXXXthe car was totaled in a hail storm. I purchased gap insurance through the XXXX dealership in case something like this happened. I filed my claim and the car was paid in full between the insurance company proceeds and the gap company ( XXXX ) payment. 

My account was statused as paid in full. Then on XX/XX/XXXX I received an alert from the 3 bureaus showing a new tradeline update on my credit report. I opened the notice and found that VW Credit Inc had updated my loan status from " Paid in Full '' to " Paid / Charge-Off ''. This statement basically shows as if I let my vehicle get repossessed and then I paid off the balance at a later date. This is completely false as I never made a late payment much less let the account charge-off. 

I contacted VW Credit Inc on XX/XX/XXXX and they stated they would correct the error and it would take about 30 days. On XX/XX/XXXX the account did update but nothing changed and still shows " Paid / Charge-Off ''. 

This erroneous data is having a negative impact on my credit score thus making the cost of new credit to increase.
On XXXX XXXX, 2017, I mailed a letter to Equifax demanding all documentation regarding a collection account on my file with their agency, pursuant to 609 [ 15 U.S.C 1681g ], and clearly stated in my communication that this was not a dispute, but a written request for information in my file. Equifax processed this matter as a dispute, failing to provide the requested information. Even though I view this as nothing more than a stall tactic by the company, Equifax is in willful non-compliance with the Fair Credit Reporting Act. I have attached a copy of the original communication for information purposes. This account should be removed from my file immediately upon receipt of this complaint.
I recently went to Bank of America in XXXX Tx which i just recently moved to XXXX in XX/XX/XXXX and on XX/XX/XXXX to try an open up an account and the banker informed me that i could n't open up an account reason being is due to a situation back in XX/XX/XXXX which was some one tried to use my identity and address information and etc to get money out of the bank by depositing a bad check or something in that form and then withdraw the money from the account but i was living in Mississippi in XX/XX/XXXX which is my home state and where i was born and raised. I had no knowledge of this situation until the day i was informed by the banker on the XX/XX/XXXX and I really need to open up an account to deposit my money directly  from my job. They never gave me any contact information or help me with anything to see about this problem so I went to a different bank to get information about trying to contact someone about this problem.
1. On XX/XX/XXXX I reported an unauthorized charge. A merchant stated there would be a XXXX charge for a transaction and charged {$85.00}. I contacted Chase filed a dispute offered proof and was informed to hold on to said proof till necessary. I cooperated with them when contacted. Each time I offered proof and instead of asking that the proof be submitted I was informed that it would be noted in my case. Chase reversed the {$85.00} credit. Chase employees dropped the ball refusing to obtain proof and they take away my {$85.00}. 2. I recently moved from XXXX to XXXX XXXX. Due to the move, there were issues with my check. Today my Chase account is going crazy. It seems that there was an issue with one of my work checks. There was money deducted from my account without my knowledge. I was never alerted of what was going on till this morning. It should be noted that Chase states in their email that the check was returned on today 's date yet, XX/XX/XXXX, after receiving their email and checking my account I noticed that the money was deducted on yesterday 's date, XX/XX/XXXX. The missing money is causing purchases to bounce. Chase is penalizing me for something beyond my control. I am being charged overdraft fees for purchase made with the knowledge that there were insufficient funds in my account. They are charging overdraft and returned check fees for something I was not aware would happen. My account is in a disarray. My next paycheck will be severely affected. I just paid my rent. If I take a hit on my next check there will be XXXX dollars left in my account and as a single parent with XXXX daughters, this would be devastating. Chase is penalizing me for something that is not my
I signed up for a 12 mo no interest promotion at XXXX furniture. The purchase was made XXXX. The First payment was made in XXXX of XXXX. On the last statment they changed the due date from XXXX to XXXX and stated that that was the end of the XXXX mo period. I had set up payment to be on the XXXX of each month for the previouos XXXX. When i got the last statment I noticed a red box stating the last payment was due on XXXX/XXXX/XXXX. I decided to cancel my recurring monthly payment from my online bill pay at my bank and tried to set up a one time last payment and something went wrong. They never recieved my last payment and ended up charging me full interest. I should have just left it alone. However, I tried to do the right thing, made the change and it back fired on me. I do not think it is fair for the company to change the due date of the last payment. Regardless of when my purchase was made. I belive they new this would happen and they have measures in place to force people to still pay interest. Feels like very unfair business practice. They do not have this language in place anywhere in their statements or contracts. IF it is there it is confusing. If they want payment in exactly 12 mo they should set the due date same as the purchase date. I feel the interest charge should be removed.
XXXX previously deleted and permanently blocked the following fraudulent and unauthorized accounts between XX/XX/XXXX-XX/XX/XXXX from my XXXX credit report, now the accounts is back on my XXXX credit report : XXXX XXXX XXXX and XXXX XXXX. The accounts are fraudulent and unauthorized, and dont belong to me. XXXX previously deleted and permanently blocked the accounts from my XXXX  credit report.
Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account has a credit limit of {$64000.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly that this account 's date of first delinquency is XXXX/XXXX/2009. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Reference is made to my last complaint against Amex :  XXXX .
I understand that a resolution was made ; however, that resolution was made on the premise that Amex was accurate and truthful. They were not. In its response, dated  XX/XX/XXXX , they advised that none of the payments referenced cleared the bank. That statement was untrue and they knew or should have known that it was untrue.
Further, they advised that I had not proven up that I did not demonstrate that the money was in the bank. Again, their statement was false and they knew that.
The referenced   XXXX  paymen ts cleared on  XX/XX/XXXX . I took a snapshot out of my  XXXX  payment to prove up that fact. Additionally, another {$400.00} cleared  XXXX  on  XX/XX/XXXX , and they should have known that.
I believe that the bureau 's decisions are final. I think that is predicated on the truthfulness of the response. Amex was not truthful. They specifically stated that they were not reinstating for the reason that the subject payments did n't clear ( they misinformed the bureau ). Similar with the fact that   XXXX    bank did not err.
I understand that the Bureau could rule in a fashion with which I might disagree ; however, Amex should not be allowed to make what appear to be, purposely, false statements and benefit from such untruths. Amex should be held to their own statements. In this case, it stated that the reason that they were not reinstating me was because the payments did n't clear, etc. Given the stated causal connection, and given that Amex misrepresented the facts, I think that they should be held to their own statements.
Amex did reference that they called for me on  XX/XX/XXXX . I do n't know whether or not that is a true statement ; however, I do know that I neither saw the call nor did I get a message. Perhaps they could have shown the interest to make, at least, a second call.
A man keeps calling from phone number XXXX, claims he is a lawyer and says that if I dont pay back a payday loan from nearly 3 years ago, that I 'm going to jail. Says I should have received a court summons recently, and even went as far as saying when I 'm being arrested. Also someone called on my personal cell phone with the phone number from the local police dept on my caller ID, the person calling me then was female, she gave FAKE name and FAKE badge number, then claimed that she was on her way with local sheriff to arrest me for non-payment of old payday loan. No one ever showed up. Later confirmed with local police department that the officer name and badge number was fake.
The very first day that I spoke with Wells Fargo, I assured them that my husband was on the title/deed of the house with me equally. I had this done specifically at a re-finance. Wells Fargo assured me over and over that his name was NOT on the deed and that, as we were in the process of divorcing, my husband would buy the house from me at appraised value. After the appraisal, Wells Fargo said that my ex-husband WAS in fact on the deed and that there could be no sale, but instead a re-finance of the home at a lower amount. They had to start all over. It took months to get my ex husband signed on the house two weeks ago. Now I am trying to buy a house in another town. I have been approved for the loan and have been offered no less than XXXX closing dates for the last month and a half. Each time, something comes up as done wrong and it 's consistently blamed on the underwriters team. This process has been more than just problematic, it has been handled ineptly. The lender representative has consistently talked over me, ignored my questions, and asked me to do the running-around and paperwork that he is supposed to be doing. I know this because the institutions that see me there in person keep asking why he does n't just call and get the same information/form/approval straight from them. I 'm worried that this loan will NEVER close. I am already paying utilities and electricity and insurance on a house in which I can not live, because I was supposed to be living there a month ago. I need help. I just this moment got word from the lender that they need a XXXX form. This is critical to a VA loand and I am amazed that they can get to closing day without a XXXX already ( which they already had and lost ). The lender representative is also holding a VA certificate of eligibility at this very moment that the underwriters are saying they do not have. This whole loan reeks of incompetence.