WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I purchased a car from XXXX and American Credit acceptance financed my XXXX XXXX XXXX On XX/XX/XXXX I had a bad accident and my car was totaled my insurance company sent an adjuster out and the car was deemed a total lost they cut a check to American Credit Acceptance for {$7900.00} they are still harassing me for payments when my insurance company has paid them off Ihad full coverage and gap insurance ive called American Credit Acceptance for a whole week trying  to get them to send documents to Gap insurance and they have been giving me the run around puttingme on hold for hours sending me to the different departments but the right one different representatives  are giving me conflict information this company is a rip off i want them to close my account and quit harassing me.
I rented an apartment at XXXX XXXX in XXXX, Florida for over two years. I always paid my rent on time. I gave over sixty ( 60 ) days notice that I was moving out. This was over a year ago. XXXX XXXX is trying to claim I owe them money. I do not owe them any money. They never refunded my deposit. I did not damage the apartment in anyway. XXXX and XXXX XXXX will not remove the item from my credit report. I spoke with the office manager at XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX. They told me good luck on ever renting another apartment if I did n't pay them money. They are trying to blackmail me and extort money from me that I do not owe them. They even agreed with me that I was never late on any rent payments, and that I gave them sufficient notice when I moved out. However, they will not remove the item from my credit report unless I pay them money.
Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
XXXX XXXX CAPITAL ONE : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
XXXX ) XXXX : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.
On XX/XX/XXXX I mailed a certified letter to Harris and Harris LTD., to validate a medical debt. I have not received any type of response from this company. I have called and spoke with someone and informed them that they were in violation of the FCRA ; and he assured me that the debt would be removed. Nevertheless, that has not happened and now I have not prepared a second letter by certified mail receipt and it is XXXX XXXX and it was mailed on the XX/XX/XXXX and I will await the response.
On XXXX XXXX, 2014 I received from Roundpoint Mortgage a trial modification plan the interest rate offered was 5.5 % acceptedThe final mortgage modification was changed and the interest rate was incised. 
The Roundpoint Mortgage performed criminal activities and have to closed down the see link below : XXXX
When I got my loan with Fifth Third Bank on XX/XX/XXXX, I was given a coupon book with 180 payments at {$340.00} per month. I made every payment. 

In XX/XX/XXXX, my company downsized due to the recession. I was unemployed until the end of XX/XX/XXXX. During that time, I struggled to make the payments but managed to make every one. If I was late, I paid the late fee indicated on the coupon. Since XX/XX/XXXX, I have been employed regularly and I have made all payments on time or early. 

I called Fifth Third in XX/XX/XXXX to ask for the payoff thinking I owed just a XXXX dollars. I was shocked when they told me I owed {$9000.00}. I asked my former wife to investigate and she tried unsuccessfully to figure out the difference. 

One thing she was told is that the bank had purchased insurance coverage for around {$1200.00} at some point during the loan, but we had coverage on the boat at all times. We took proof of coverage to the Fifth Third branch on XXXX when we were first notified. They were supposed to cancel the insurance. We heard nothing more so we assumed this was done. 

The remaining roughly {$6000.00} difference was explained by the bank as 'simple interest ' but my former wife could not determine where the differences were from the payment records the bank sent her. I ordered a new coupon book expecting to see the new amount. Instead, the coupon book I received on XX/XX/XXXX showed the same payment amount of {$34000.00} and the same number of coupons remaining. 

I counted down the months to my final payment. On XX/XX/XXXX I proudly wrote a check for my final payment with the notation on the check " paid in full ''. It was a happy day. However, on XX/XX/XXXX, I received a letter from XXXX Fifth Third saying I still owed {$6600.00}. 

Throughout my loan, I never received monthly statements from Fifth Third showing the outstanding balance. I thought my outstanding coupons represented the total amount I owed. If this was simple interest, why was I given a coupon book showing my payment ending XX/XX/XXXX and not a monthly statement like my simple interest Visa card does? 

This is unfair and deceptive. I never knew until I called about the payoff that I was getting off track. Not one letter from Fifth Third or one statement balance was received from Fifth Third during the fifteen years that I had the loan. I asked for a new coupon book after the payoff request I made, and I was given another misleading coupon book. Now after fifteen years of payments, I am being told I have to pay them {$6600.00} by XX/XX/XXXX. Can you help us resolve this matter?
CALLED XXXX XXXX AT XXXX AND LEFT THREATENING VOICEMAIL. SHE IDENTIFIED HERSELF AS COURT ORDERED OFFICER NAMED XXXX XXXX, SHE DID NOT IDENTIFY WHO THE CREDITOR WAS OR EVEN THAT IT WAS A CREDITOR JUST THAT CRIMINAL CHARGES HAD BEEN TAKEN ON ME, THAT IT WAS GOING TO BE MATTER OF PUBLIC RECORD AND THAT ALL MY LEGAL RIGHTS WERE FORFEITED. 
SHE THEN FINISHED THE VOICEMAIL WITH STATING THAT SHE WAS CONTACTING MY EMPLOYER AND WOULD BE THERE SOON TO COME AND GET ME AND NO MATTER WHAT I WOULD BE LOCATED AND IT WOULD BE AT MY JOB. 
I TRIED CALLING HER NUMBER BACK SEVERAL TIMES WITH NO ANSWER AND NO VOICEMAIL AVAILABILITY. 
I TRIED CALLING THE NUMBER SHE GAVE ME SEVERAL TIMES AND IT WENT TO A VOICEMAIL THAT WAS TOO FULL AND THEN SAID ERROR, SO NO WAY FOR ME TO LEAVE A MESSAGE. 
I CALLED THE COUNTY SHE SAID THAT THE ORDER HAD BEEN FILED AND ORDERED IN AND TALKED TO BOTH THE DISTRICT AND MUNICIPAL COURTS AND THEY BOTH HAD NEVER HEARD OF HER, COULDNT FIND A CASE WITH MY NAME ON IT, AND ALSO SAID THAT THE CASE NUMBER SHE GAVE ME WASNT EVEN IN THE CORRECT ALPHA-NUMERIC SEQUENCE FOR A CASE THROUGH THEIR COURT. 
SHE CALLED BACK ON XXXX XXXX AT XXXX XXXX AND I WAS ABLE TO ANSWER. SHE AGAIN DID NOT IDENTIFY WHO MY ACCUSER WAS ( EVEN THOUGH I TOLD HER I HAD CALLED THE NUMBER SHE HAD PROVIDED SEVERAL TIMES AND WAS N'T EVEN ABLE TO LEAVE A MESSAGE ), JUST THAT SHE HAD A COURT ORDER TO PICK ME UP. 
I CONFRONTED HER WITH THE INFORMATION THAT I HAD OBTAINED FROM THE COUNTY COURTS AND SHE RESPONDED, " THAT VERY WELL MAY BE, BUT YOU STILL HAVE 3 CRIMINAL CHARGES AGAINST YOU AND SHE HAD AN ORDER TO LOCATE ME AND WAS GOING TO COME AND GET ME IMMEDIATELY FROM THE ADDRESS ON FILE. " AND BEFORE I COULD SAY ANYTHING ELSE SHE HUNG UP.

THE NEXT DAY, I CALLED THE NUMBER SHE PROVIDED AGAIN AND THEY FINALLY ANSWERED AND IT WAS A REPRESENTATIVE FORM ADVANCE AMERICA. 
I HAVE HER ORIGINAL VOICEMAIL MESSAGE TO ME SAVED.
In short I was scammed, it was an over-payment set up. I was supposed to tutor this gentlemen 's daughter and his attorney was leaving for vacation so he wanted to send me a months worth of payment. His attorney had left in a rush and accidentally combined my check with the money that was payment for his daughters nanny. I was asked to deposit the check and send the difference to the nanny, thinking I would see her the next day at the first scheduled session I did n't think much of it and sent it via chase quick pay. The " father '' postponed the start date of the session and the following morning the original check I had been sent and deposited was returned because it had been altered.
Not only do they continuously call all day every day, the manager gets an attitude with me saying " I would n't recommend you to my worst enemy '' and threatens to take legal action. He said he 's going to pull up my record and see how many verbal commitments I 've broken. I am XXXX pregnant and he was being so rude and really getting me shook up. My husband gets on the phone and he tells my husband that " its ok, my wife was psycho too when she was pregnant ''!! He mocked me like a child and Itold him that wwas n't very professional. Something needs to be done. He verbally attacked me, threatened me, and harrassed me.
XXXX is not an account I opened, or authorized and should be removed. 
Both Equifax and the Consumer Financial Protection Bureau have the settlement agreement on file between myself and XXXX where all XXXX accounts must be removd from my credit file. They are currently still illegally reporting XXXX and XXXX which never belonged to me. Finally, Equifax is reporting a number of fraudulent and illegal inquiries. I 've provided notarized statements as well as police reports advising them that these inquiries are illegal, fraudulent, and should be removed, yet they have refused to do so. These documents are also on file with the consumer financial protection bureau and Equifax. They are as follows : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks
There is a closed paid collection being reported on my Equifax credit report by a debt collection agency that I did not have an account with. In  XXXX   XXXX , I noticed  XXXX   XXXX   XXXX  based in  XXXX , MD reported that I owed them {$120.00} and that the account was opened on  XXXX   XXXX ,  XXXX . I had never received any correspondence nor had I had any communication with this collection agency. I disputed the debt with Equifax twice and with   XXXX   XXXX   XXXX  . According to  XXXX   XXXX , the tradeline was removed on  XXXX   XXXX ,  XXXX . Approximately, a week and a half later the tradeline had reappeared on my Equifax report with the same inaccurate information. I then contacted the original creditor The  XXXX   XXXX   XXXX   XXXX  to inquire about the amount that the collection agency was reporting. On  XXXX   XXXX ,  XXXX  I went into the credit union and paid them directly in the amount of {$140.00}. Because this inaccurate information is negatively affecting my credit score, I asked the credit union to inform the collection agency that the debt has been paid in full and to remove the inaccurate information from my credit report. To this day the collection agency is still reporting on my Equifax report as if I had paid them instead of the original creditor. While the account has been updated to paid and closed, I would like for the debt collection agency to be completely removed from my credit report since I did not have an account with them, I did not sign a contract with them and I did not owe them any debt. I have attached a copy of the paid statement received directly from the credit union.     Thank you in advance for your assistance.
I tried disputing this address off my report two years ago. 

XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
On XXXX XXXX, XXXX I was added as a co-owner on to my spouses checking account. 
Over time from then until now, I have been in contact with the Branch Manager, XXXX XXXX, on many occasions to request assistance with helping my account not get NSF charges. I have contacted XXXX by email, and still have all of these emails, if necessary. Today, again after my account has received NSF fees, I contacted XXXX again. She then proceeds to tell me that there is an " OPT OUT '' option, so when the check card is used and the funds are not available, the card will not be able to be used. 
My complaint is, that I have contacted XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX as well as numerous phone calls. I have explained to XXXX that we were experiencing a financial hardship, due to unemployment, again, on several different occasions and it was NOT until " Today '', XXXX/XXXX/XXXX that I am told that we have an OPT OUT option. Now it is my understanding that when my husband opened the account in XX/XX/XXXX he was given this form to complete. That is 3 years ago. 
Why was this never mentioned to us again. And I was added on the account XX/XX/XXXX, I was NEVER given this form nor was I given the option to OPT OUT, nor was it brought to my husbands attention at that time. The only suggestion made by XXXX was a Handy Line account. Which would be a LOAN. 

Please see all emails below regarding the " Opt Out '' Form XXXX, XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : XXXX XXXX XXXXXXXXXXXX XXXX If you would opt out on this acct you would not be allowed to use your debit card if the money is not available. This would protect you from becoming overdrawn with the check card purchases not checks or an ACH.. 

From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : " XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Can you tell me how I can close this account? In the mean time, please " OPT OUT '' my account immediately XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX Tue, XXXX XXXX, XXXX at XXXX PM To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX I can email you a form that needs to be signed can you print, sign and email it back to me? 

In a previous complaint, this was the response from the bank. 
Your complaint alleges you were not aware of the ability to opt out of overdraft consideration ; however, our records indicate that an account in your name individually reflects an opt out election, advising the Bank not to consider paying items into overdraft ; this election was executed on XXXX XXXX, XXXX. Please see the attached detailed response. 

My dispute is that if I actually ever signed the form agreeing to " Opt Out '' and the bank had a record of this, why would she be offering to send me the form to sign.
I do not owe any one money. I paid all my doctors bill and every other bill I have so I don't understand why they keep calling me. Then they want my personal information and they will not tell me who I owe money to. I have not received any late or collection bill either so I don't know what they say I owe. I asked they to mail me a letter again they want my personal information with I will not give. Please help.
Experian is has inquires on my credit file that I did not give any authorization too. I disputed the inquires in a later XX/XX/2018. They did not remove any of the items that I did not authorize.
Upon investigation, CitiBank contacted me with information stating that the debt was sold to a financial firm, XXXX XXXX ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called XXXX, they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX XXXX XXXX ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was CitiBank and I 'm under the impression that I have been a victim of fraud by these firms in this matter.
I originally took out a loan with XXXX XXXX XXXX on XXXX XXXX, XXXX. Due to paycuts at work and the birth of my child I found myself regrettably unable to repay the loan in question. On XXXX XXXX, XXXX XXXX XXXX XXXX closed my account and charged off the balance due, which at that point was {$2900.00}. 

However, a debt collection agency by the name ofLVNV FUNDINGXXXX XXXX, XXXX ( XXXX ) XXXXAcquired the old debt and began harassing me with numerous phone calls and letters about this old debt in which I informed them i was unable to pay. 

I noticed on my credit report that they show this account as having gone delinquent on XXXX XXXX, XXXX which is entirely false. It original went delinquent on XXXX XXXX, XXXX and in informed them that this was improper " re-aging '' of an old debt to which they never responded. 

They 're also adding late fees to this account which I did n't think was allowed by law when a 3rd party such as LVNV buys an old debt. They 're saying I now owe {$4300.00}!!! 

Please help me, I 'm at my wits end with this company. 

XXXX XXXX
I got unauthorized charges from  XXXX  on m y Chase Visa c redit card totaled {$9000.00}. I disputed these charges with my credit card issuer. the fraud personnel established a  XXXX  XXXX -way call with me and  XXXX  representative and he confirmed that these charges are fraudulent, and he also confirmed that i do n't have an account with  XXXX . However, the  Chase dec ided to keep the fraudulent charges on my account and concluded that it is my responsibility. And they neglected the " zero reliability '' rule.
I am currently in Chapter XXXX bankruptcy with the XXXX North Carolina Bankruptcy Court. My car loan for the XXXX XXXX XXXX is included in the Chapter XXXX. However, the value is the car is in its current condition and millage ( the care XXXX miles ) is valued at {$3400.00} according to XXXX. I like to settle-in-full with Santander Consumer credit for the current value of the car and have the title/lien released. It is not worth {$10000.00} nor it is work the {$7500.00} that is listed on the Chapter XXXX filing. The millage and the accident the car was involved in ( back in XXXX ) has greatly reduced the value of the car.
I was steered towards a higher cost repayment plan a few years ago. The payments were set so that i am only paying the interest and barely paying on the actual loan. Last year i paid almost {$700.00} in interest, and the loan itself was only paid down about {$100.00}.
First Tennessee Bank had this account charged off, closed, void and released back in 2012, however they continue to report this account as BALANCE DUE AND PAST DUE account on my credit report.. which is damaging my credit ratings and has been causing me a lot of financial distressed. I find this to be a violation of my consumer rights when the bank states they charged off this account, no longer want to collect on it however keep reporting it on my credit report EVERY MONTH as a closed account with past due balance. I have been trying to resolve this issue with them for 4 months now, was told to submit a request in writing which I did 4 times now ( see attached ). They claim NOT to have received my letters and NOW they are ATTEMPTING TO COLLECT DEBT ON THIS ACCOUNT BUT CALLING ME NON STOP AT ODD HOURS OF THE DAY ... .PLEASE HELP
What a way to start the day! 

My checking account at Chase was hacked in great detailed and all my information was used to fraudulently order over {$350.00} worth of a dietary supplement from a company in California that is easily available locally for about {$75.00}. 

Chase can not help since all my information was " verified '' by the California company and it is now incumbent on me to prove my honesty! They suggested that I call the merchant directly to perhaps " work something out ''! 

I called the California company directly and a person with unintelligible English at an obvious boiler room call center tersely told me that I had to deal with my bank, wished me a good day, and unceremoniously hung up!

I called Chase back and they once again told me that the merchant had verified all " my information '' which, if all the current info on hacking on the internet is correct, can be easily lifted by hackers. They even said that the merchandise had been delivered directly to me!! 

Anyway, the Chase fraud staff told me to XXXX XXXX XXXX and I have been stuck with the {$350.00} charges! Oh ... ..but they did wish me a happy holiday!!!! 

Ya know, XXXX, the scammer went as far as telling Chase that the stuff was delivered directly to me!!! 

The " stuff '' is XXXX XXXX and XXXX XXXX. I opened an email from from these people offering trial samples of each product for {$3.00} ... ..I deleted the email when I read the tiny print that said an automatic shipment of each product would start at {$90.00} each if I did not contact them to cancel my " contract '' within 10 days ... ... that 's when I deleted the email and that was the total indirect contact I had with that company.
Trans World System Inc started to contact me in regards to a debt that was already being garnished from my wages by the Creditor and tried get more money to be paid. They kept calling me to ask when I can pay the collection and I told them to stop calling me because payments were being garnished. Over the next few months they kept calling to receive money and I told them not to contact me anymore and to contact the Creditor that sent them my information. Still they would not stop contacting me and the Creditor is not doing anything to stop this collection agency from bothering me, even though they are par is bing my wages.
I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with XXXX over the last nine years. I have discovered that they ran my credit twice on XXXX/XXXX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.
On or after XXXX XXXX, 2011, I opened an account with Discover Financial Services. Someone stole my identity along with my credit card information and they proceeded to fraudulently use my credit card. This has happened on several occasions and each time I reported the fraud in a timely matter. To date Discover is holding me responsible for charges and fraudulent payments that I did not make. They have also retained an attorney to collect on this debt that I do not owe. I have all the required proof of fraud and I have applied Discover with this information multiple times to no avail. Lastly, Discover has violated my consumer rights by consistently reporting erroneous information to all XXXX major credit bureaus which has left me credit deficit.