WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX/XXXX/XXXX a Sears account was reported on my XXXX and XXXX credit report. 
I do not have or ever have had a Sears credit card. I noticed the account was opened XXXX and closed in XXXX. I looked on my XXXX credit report from XXXX/XXXX/XXXX on all accounts listed open and closed and Sears was not on there .Also XXXX XXXX/XXXX/XXXX Sears was not reported. If this Sears account was closed in XXXX why is n't it reported in the XXXX XXXX and XXXX reports? from XXXX for XXXX. 
I also noticed the reports do not indicate who closed it in XXXX. In XXXX I was living with XXXX XXXX on XXXX XXXX in XXXX, CA. Sometimes he would come with me to pay my XXXX at Sears. In XXXX I unfortunately was in a short term marriage on the XXXX to XXXX XXXX. I do n't know if they had anthing to do with this, but I did call FTC to report it as possible identity theft regardless of who opened the Sears account and who closed it in XXXX. 
My XXXX report had my last name XXXX : XXXX XXXX. I also noticed that the High balance : {$99.00}, and a credit limit of {$2200.00}. The {$99.00} High balance is a very unusual odd high balance. I noticed on my XXXX account, on all XXXX of my current credit bureau reports that XXXX has " XXXX '' months reviewed, and so does XXXX, XXXX XXXX XXXX, Citibank. Is there a connection? The only connection I can think of is that I always paid my XXXX XXXX at Sears in person. 
Please help me to find out who opened and closed this Sears account. Because there was some identity theft involved.
I am filing this complain against AMERICOLLECT INC and XXXX XXXX XXXX for unfair business/collection practices. 
I received a collection notice XX/XX/XXXX regarding an unpaid medical bill that I was not aware of. When I called the collection agency, they only wanted my information and immediate payment. Frustrated, I told them that I was not aware of this bill and they should not be collecting it therefore, I will not be providing any further information to them. 
right thereafter, I called my doctor 's office to voice my surprise and frustration regarding the situation. I was told that there may have been some mistakes but they will get back to me very soon. I never heard from them until today, XXXX XXXX, 2016 when I received an email from XXXX informing me that my account was flagged for collection. 
I immediately called AMERICOLLECT INC and had a very complicated communication the account. I repetitively expressed my disagreement about the whole process. 
How/why am I being held hostage for an unknown-unpaid bill? 
Why has n't XXXX XXXX 's office return my phone call? 
From the collection company 's own statement, a claim was filed with my insurance and is pending. Yet, they still flagging my credit account for collection. I tried my best to tell the supervisor that my account can not be under collection as long as the claim is pending. Further, my Doctor 's office ought, by curtesy, to inform me if the insurance declines to pay the bill. I will then have the obligation to pay the money myself and solve the problem with my insurance. 

AMERICOLLECT agents want to pretend to help me while falsely assuming that I did not pay my bill and it went to collection. The supervisor wants to make be admit that she 's trying to help me. I feel insulted because I never asked for help. Should there be help to be provided, it would be for AMERICOLLECT and XXXX XXXX XXXX. I simply ask for my right to be fully respected and nothing else.
Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own backsides from getting sued like they rightly deserve.
a location company called XXXX is attempting to obtain emoployment verification by calling my employer repeatedly during the week of XX/XX/XXXX thru XX/XX/XXXX. After speaking to XXXX XXXX at this company and leaving voicemail and email with name of person to contact to verify my employment..calls continued and one co worker was told by the caller that I was seeking employment with their company and seh was calling for a job reference. This untrue statement has put me in a bad light with my employer as I am not seeking to leave my job. I dont know if this is a legal tactic and if not what can be done.
XXXX granted me an extension on XX/XX/XXXX and failed to process the extension. They then granted me two extensions to make up for their error and then deceived me in regards to their processing of the extensions and the negative effect what they were going to do had on me and my credit. Instead of granting the XX/XX/XXXX extension they promised, they back dated my XXXX payment which made me appear late In XXXX, then then reported the delinquency to all three credit agencies. I have had to dispute Exeters incorrect reporting to all three credit agencies on four separate occasions, beginning in XX/XX/XXXX. All four have been corrected but were reported incorrectly be Exeter and would not have been corrected if I had not checked my credit reports and disputed. Exeter then sent me a letter saying their reporting to credit agencies is accurate. I then viewed all three of my credit reports that show Exeter again has reported incorrectly and I have all the documents to prove. Exeter has failed to create a procedure that eliminates the incorrect reporting. The incorrect reporting has led to increased interest rates on loans I have taken out and cost me more. I have also been declined credit and housing due to their incorrect reporting. I have called Exeter 15 times in XXXX to report consistent overcharging and incorrect billing statements. I was told everthing was accurate. I audited my account, against their statements, and my bank and was overcharged over {$100.00} in the last year. When I brought it to the attention of the CEO, the OOP, and XXXX XXXX it was ignored. If all of Exeters borrowers were overcharged {$100.00} this year alone and ignored, that is unlawful overhead. Approximately 10 of my calls were related to questions regarding Exeters standard business process as it relates to extensions and repossession. I was told there was no standard business process in regards to extensions. I was told once they were offered, I was next time they were not-then on the same call I was granted one. I asked at the call what the standard business process was and the representative could not communicate one. I told him with out standard process discrimination came into play and he agreed. That extension was not processed. XXXX XXXX called and then granted me two extensions, I asked her what standard business practice was and she said she had the leeway to do whatever was needed. She then processed two extentions and failed to inform me of the actions she was going to take that negatively impacted me, see paragraph one. I then reached out to the CEO on XX/XX/XXXX and asked for their standard practice and time line in terms of repossession. All of the above and the fact they financed a {$9000.00} for {$35000.00} has pushed me into job loss and bankruptcy. I told them I needed to know time line so I could manage everything and surrender the car if needed. I have sent two inquiries to the CEO, Office of the President and have been ignored. Exeters actions violate Consumer Law, have cost me greatly and their lack of standard business process and service makes them a discriminatory predatory lender.
Hi CFPB, I wanted to inform you of some of the misinformation and misreporting going on with XXXX XXXX XXXX and the Public Service Loan Forgiveness program. Recently, I changed careers from working as a XXXX XXXX XXXX in North Carolina. I worked in NC for five consecutive years with no breaks in service. During this time, I paid on my student loans every single month, automatic withdrawal. So it was roughly 60 payments, give or take. However, when I submitted my documentation to validate my payments for the PSFL. I was told that I only had made 30 qualifying payments with no explanation. This is not true, and it is either intentionally deceitful, or gross negligence. This incorrect representation of my payments would cost me thousands of dollars.

I have called 2 times and spoke to representatives who ensured me that my situation was under review and they had no other information. I also have emailed about my situation on 2 separate occasions with no response.
I have tried to dispute this online being that I was just made aware of this over the weekend. Its an account that 's in collection that I have no knowledge of. 
Account name : XXXX services dated XX/XX/2017 {$59.00}. I have no knowledge of this account and have never received any mailings prior to it going to collections
I had contacted this company XXXX XXXX to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company
I tried with Ocwen to get assistance but kept getting denied. My husband I eventually had to file bankruptcy with a bankruptcy attorney. On XX/XX/XXXX we filed. It put a hold on our auction. We received a new date of XX/XX/XXXX. But our bankruptcy discharge wasn’t until XX/XX/XXXX. The week of XXXX  we went to meet the bankruptcy trustee. No creditors attended. After that meeting we received another letter saying our auction was going to be XX/XX/XXXX. Now it took until XX/XX/XXXX to get the discharge. I contacted the bankruptcy div of Ocwen on the XX/XX/XXXX. The auction was on hold. By Monday when they received the concent by my attorney. It was off. Hold and we now only have less that 2 weeks. Shouldn’t we have received 30 days. They need that much for the loan mod paperwork. That’s all I want is 30 days.
Im writing this letter to disput a claim that is falsely reported on my credit report. The company name is chase, they claim that I owe {$6000.00} which is not true, I had several fraud charges on my card I contacted chase about it they did not resolve the issue. I submitted some of the fraud transactions at the bottom of the page.
The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
I was charged unreasonable service fees by Capital One Credit Card Company. I made a cash advance transaction from ATM Machine in XXXX on XXXX XXXX 2017. Capital One charged me extra service fees for the same transaction in violation of the Fair Trade Act.. I was charged 3 additional amounts of {$10.00} for the same transaction.
This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that Discover XXXX , XXXX , XXXX , XXXX , XXXX XXXX XXXX , XXXX. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when Discover has known that XXXX XXXX XXXX has been communicating with them since the summer of 2014??? 
A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within Discover sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that Discover is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of Discover and XXXX, XXXX ... 
I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by Discover, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how Discover and XXXX XXXX have treated me over these last several months. 
I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ XXXX , XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? 
I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in Christ and HE will fight my battles for me!!!
I spoke with XXXX XXXX XXXX corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that XXXX XXXX XXXX would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from transunion credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about XXXX XXXX XXXX and transunion. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however transunion just keeps updating it and not deleting it off my report along with XXXX  it is still reporting.
I am eligible for the recently developed REPAYE payment option for my student loan. I called my loan servicer and completed the application that they provided a few days after the new payment option began ( XXXX XXXX, 2015. ) It is now over 90 days later and I have not received a revised payment nor any other correspondence regarding my application. I would like my payment amount recalculated as soon as possible.
TransUnion ( TU ) does not have my XXXX account XXXX listed in my credit report or history. This issue has been going on for over a year. My XXXX has proven to me that they have sent the proper documentation to TU. TU evades and comes up with excuse, many unfounded. It appears to me that TU is trying to coerce my XXXX into a contract. The last discussion I had with TU the representative said my XXXX would have to get in touch with the local TU Marketing agent to correct my account yet he would not provide a name or phone number! 
My account is otherwise correct and shows another XXXX account I have with another bank. If I can not get this issue resolved I am going to see if the NM XXXX or the NM XXXX will take it up. 
TU is subjecting me to higher insurance fees because TU is not properly showing my credit history.
I was shopping for a mortgage. I approved credit inquiries on : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX These are the ONLY credit report pulls that I authorized. 

Transunion lists 6 inquiries from XXXX XXXXXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - One from XXXX and 5 from XXXX Transunion lists 3 inquiries from XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX. and XX/XX/XXXX - two of which are XXXX XXXX. 
XXXX  has 4 Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each of the four lenders was only authorized to check my credit one time The reason that there are so many checks is because of their use of the XXXX XXXX XXXX with XXXX XXXX which requires repeated credit pulls when any of the loan parameters are changed while calculating loan rate and payment scenarios. 

I only authorized 4 credit checks, one time each from each lender.
I applied for a payday loan with XXXX ( as it was advertised ) for {$1200.00} back on XX/XX/17 as I was in financial distress. This was done via phone and online. I spoke with a gentleman to complete the process via phone. I was not told of my APR on the phone when applying for this loan, I wish I understood it further as previously I had no issues when borrowing from them before. I have so far paid 14 payments back to date totaling {$4600.00}, I have a total of 20 payments. Upon reviewing this further, I found that this company may not be licensed in the state of New Hampshire to provide loans, if it so is, it's not in compliance with state laws on the max APR and amount allowed to borrow - state of NH states {$500.00} max for the loan amount and no more than 36 % annual interest. My interest rate is 720 %!!! Things like this need to be stopped. They have well enough got their loan amount back and then some.
I recently received a mailer from Chase Bank XXXX XXXX XXXX asking me to apply for a XXXX XXXX XXXX card. After applying online I was rejected by Chase bank for having opened XXXX accounts in the past two years. I not only spoke to an agent on the phone but I went into a branch to ask if there was anything I could do to appeal the application and was told there is n't. They flat out claimed that Chase bank has a XXXX cards in 2 years policy to prevent " churning '' of credit cards. However, their policy does not take into account account closures, which is an easily verifiable and required part of " churning '' Other than student loans I have had only XXXX credit card closed in the past 5 years, and it was closed by the issuing bank for inactivity, it had been open for over 5 years. 

Chase bank not only placed another hard pull against my credit, they denied me for a card I was directly mailed an offer for due to an arbitrary rule put in place by them with no consideration of my credit score or credit usage.
This is the 3rd time reporting into this really simple dispute. ACCOUNT HAS BEEN OPEN AND CLOSED 5 or MORE TIMES WITH NO LEGAL EXPLANATION BY CREDITOR OR CREDIT REPORTING AGENCIES EXPERIAN XXXX  AND XXXX ALONG WITH THE THIRD PARTY REPORTING CREDIT XXXX AND XXXX XXXX ALSO REPORTING THE OPEN AND CLOSE DATES OVER AND OVER BUT MY AVCOUNT IS IN GOOD STANDING AND NEVER CLOSED BY ME THE CONSUMER. I AM NOT A FAN OF OPENING ACCOUNT PRACTICES THAT XXXX HAS BUT ITS AN ACCOUNT I HAVE FOR NOW. THERE IS NO OTHER RECOURSE BUT TO CONTACT ATTORNEY GENERAL AND AN ATTORNEY FOR DAMAGES. FAIR PRACTICES AND RIGHTS HAVE BEEN IGNORED.
The account that I am submitting this dispute for is not mines. The debt appears to have originated from a medical services that I did not use. I have no idea how this could have taking place without my consent.
Equifax will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/XXXX
I am in foreclosure. In 2006 XXXX XX/XX/2006 refinanced my home fraudulently. I did not request a loan and I did not sign any documents for them or any escrow company. I do not have knowledge of who requested the loan, or received money from the loan. Wells Fargo eventually has my loan and I did fall behind because of loss of income and could not keep up with my payments. I have completed several modifications asking to have my loan payment reduced and to have my missed payments placed in the rear of the loan. They have repeated denied me. This last medication they would not accept the cash payments that my boards paid to rent rooms from me. They said because it was cash I could not prove they paid rent. I submitted lease agreements and receipts. I finally took the boarders money and got cashier checks and resubmitted to Wells Fargo on an appeal and now they have denied me again. I think I qualify for you to review me under the class action lawsuit to XXXX case. I think it is called the Pick a Part Program. Keep Your Home California had approved me for a {$5400.00} payment to bring me up to date with payments. Now that Wells Fargo has contacted them and not me, they have cancelled the payment they were going to give me. They said it was because of the information Wells Fargo has submitted to them. I was submitted payments to Wells Fargo but could not bring it up to date. Wells Fargo returned several payments to me and said they wanted all money that I was behind. I continue to save the money that I have to pay on my loan but they wo n't accept it. According to my property profile the following finance companies are listed for my loan. XXXX XXXX, XXXX, XXXX " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX times ), XXXX, XXXX XXXX XXXX ( two-times ). I did not sign any documents or these companies. A XXXX XXXX, Senior Loan Negotiator for XXXX DRE # XXXX XXXX, Ca. XXXX, XXXX fax. I now know this was a scam and illegal, he came to my home and said he could save my home and did nothing. He charged me {$1500.00} and I have the receipt where I paid him. We told him he violated SB XXXX and he said take it up with XXXX, because he does n't work for them any more. He drove a XXXX XXXX license plate number XXXX. I have documents to share if you tell me where to email them or fax them to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I also have XXXX XXXX XXXX that has my permission to talk to you, and you talk to her, she has been helping me file paperwork. She is my neighbor.
Back in XXXX, I was talked into a very expensive education loan XXXX. At the time the job I had was going to end and their was really no jobs XXXX available because of the economic conditions. As I went through the training I realized I would never get a job in this field because #! I did not have any experience in the XXXX field and on top of that there were literally thousands of people being talked into these training programs because of the poor economy and fear they needed to retrain so they could get a job. The initial loan was {$15000.00}. I have been paying on it since XXXX and the balance is still over {$12000.00}. It is not scheduled to end until XXXX.
I moved from my apartment and called XXXX and canceled my service and returned the equipment. They continued to charge me without my knowledge. Only found out about it after it went into collectins. This collection company has been basically harassing me for years now. Have spoken with them multiple times.