WillisBack/dataset-financial-user-claim huggingface dataset:
After using XXXX to check rates for mortgage refinancing in XXXX XXXX, I was contacted by multiple companies. One of these was Loan Depot. I was contacted by XXXX who requested some more information in order to give me a rate. I provided this information. He then stated that he would need to pull my credit in order to provide me an accurate rate. I said that I did not want my credit pulled. He then asked me why I did n't want my credit pulled, and I said because I was not really interested unless the rate would be less than the 2.75 % interest rate I already had. He was unable to assure me of that so we did not proceed. About two months later I received a letter in the mail indicating that Loan Depot had rejected my mortgage application and it was incomplete. I contacted the company to ask why I had received the letter, and they indicated it was because I had started a loan application. I said I had done nothing of the kind and they said they would investigate the situation for me. I then noticed on my credit report that XXXX had information from XXXX XXXX, 2017 for an inquiry. I called XXXX and they indicated Loan Depot had filed the inquiry. I indicated I had never given my permission and they said they would file a complaint with all three credit bureaus to dispute the information and get back to me in 60 days. I also requested the contact information for this Loan Depot organization. I spoke to XXXX XXXX and he stated they did show I had applied for a loan with them. I said I absolutely did not and the reason it would be incomplete was I never applied in the first place. He indicated there was nothing he could do. So I requested the legal department contact information. He said the legal department could be reached by mail at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never authorized my credit report to be pulled and the information I provided to Loan Depot was never stated to be used for that purpose before I provided it. If they do not rescind their errant request which was made inappropriately for my credit report I plan to pursue legal action against them to stop them from taking other customers ' information without authorization and would appreciate your follow-up.
XXXX XXXX XXXX is reporting the inaccurate day of last payment on my credit report. I dispute last day of payment on my credit report. I feel like XXXX  XXXX XXXX is trying to take advantage of me because I am a XXXX male. I am requesting this account be deleted off my credit report.
I have made reasonable attempts in writing to contact this debt collection agency after finding their contact information on my credit reports. I have requested valid documentation to show that this is indeed my debt and I should pay it. I have received nothing except a billing notice with no pertinent information to show what services were provided. I have made an attempt to contact the original service provider and they did not respond to me. I am unwilling to pay a debt I do not owe. Ability Recovery Services are reporting unsubstantiated claims on my credit file. I have given them ample opportunity to resolve this issue with me directly and they have not done so. I am of the opinion that this is a fraudulent attempt to collect monies that are not owed.
I was attending XXXX college still in my first term before they decided to close their doors. They encouraged me to take out a loan from a company named asfg. The loan amounts to XXXX with 12 % intrest. I did not get to complete my first term nor did i receive any credits and they are still holding me liable for the loan. I do not believe i owe for the loan taken out for an education i did not receive.
On XX/XX/2017 I sent a certified letter to XXXX and XXXX asking for the information used to Validate the following debuts : PHOENIX FINANCIAL SERVICES. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).
I opted sign up for Discover Card 's at 0 % APR promotion which expires on XX/XX/2017. I recently reviewed my monthly statement and online account details to find out the expiry date for the promotion because I could n't recall the date. I found that the promotion expiry is not shown anywhere that the consumer can view : not on the statement and not online. After contacting Discover through their chat function tonight, I was informed that the only way to find out is by contacting Discover. This was really upsetting to me because the only reason Discover would choose to do this is to deceive customer by not disclosing this vital information. When I stated my dislike for the policy I was told that Discover complies with all the requirements in informing the consumer. If that is the case, I suggest an investigation be conducted to see how many consumers have unknowingly had promotional periods lapse only to be hit by usurious rates of 25 % afterwards. 

This is likely a violation of Federal Trade Commission Act Section 5. Deceptive Acts or Practices : An act or practice is deceptive where A representation, omission, or practice misleads or is likely to mislead the consumer ; A consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and The misleading representation, omission, or practice is material. This policy is likely also a violation of Regulation AA. 

I have not suffered monetary damages yet as a result of the unscrupulous policy by Discover, but am concerned that many others have likely have unwittingly lost a lot of money.
Whom It May Concern : I hope this email reaches you in good health and spirits. <P/>Back on Friday, XXXX XXXX XXXX, I received a FICO monitoring alert via XXXX XXXXXXXX monitoring subscription that a collection account had been reported to 2 of my credit reports. After investigating this unknown account further and gathering documentation and details, I was able to submit this information to XXXX XXXX XXXX County ( the original creditor ) who apologized for this mishap and withdrew the account from Security Collection Agency ( SCA ) .Once the account was withdrawn, I reached out directly to SCA to ensure this information was deleted from my credit reports. XXXX XXXX was deleted w/o issue ; however, XXXX to date, still has not removed this account. I disputed this account 3 times ( XXXX, XXXX, & XXXX ) with XXXX in which they came back stating that the information reporting is accurate. Again, I reached out to SCA who indicated that they received the dispute from XXXX ( electronically ) and replied instructing them to delete the account each time. However, XXXX continues to report the investigation results of the information reporting is verified and accurate. So it appears that SCA is blaming XXXX and XXXX is blaming SCA. So I submitted another dispute to XXXX, this time including the documentation stating that the account was withdrawn. I even sent the email correspondence between myself and the Deputy Director of Administration which clearly states that they have instructed that this be removed. For whatever reason, XXXX continues to report this account as being valid. I have attached all of the same documentation that I submitted to XXXX. <P/>I feel that XXXX is again, engaging in illegal and unethical practices. As a financially responsible consumer with a spotless credit history, this is mistake is costing me. I am set to apply for a mortgage in the next few weeks, and this is detrimental to this process and will cause extreme delay. I have done everything right, and yet, I am the only one being impacted. No matter how many times I talk to XXXX, they send me to inviduals in another country that reads from scripts. I asked them if they even read the documentation, they stated they dont have access to look at that information. I then asked to be transferred to a US based rep whom also told me the same thing. They also stated that they had not received any delete requests which I find odd in that I had no issues with XXXX. The US based representative indicated that I need to talk to their business office and provided me with the number. However, when I called, they stated they do not talk to consumers or handle consumer personal credit files. I am truly at a lost here and am not sure what I need to do. As a result, I am reaching out to your organization for assistance.
Received a call from " Global '' in XXXX, AZ. Phone number is XXXX. They advised that someone would be coming to my house with the Sheriff in order to get this matter handled. I had my son-in-law call them and Global refused to provide any fax number, email address, or address where we could provide written correspondence for litigation against this company.
XXXX XXXX violated Section 1026.18 of Regulation Z when they provided me with an amortization schedule at origination that was not reflective of the actual terms of the loan. 

XXXX XXXX disclosed a regular amortization schedule ( attached ) while in actuality they apply payments to interest first. This is a misleading and deceptive act which violates UDAPP.
I sent dispute letters to Trans Union,  XXXX  and  XXXX . TransUnion and  XXXX  put an initial fraud alert on my credit report without my permission, against my will, and without my knowledge. My dispute letters did not indicate any type of fraud ; this action was done by TransUnion and  XXXX  unsolicited. I called TransUnion but was hung up on/disconnected six different times.I tried to call   XXXX   but can not reach a human being. I need the fraud alert that I did not request to be removed from my TransUnion and  XXXX  credit reports. I believe this may be the reporting agencys ' new tactic to avoid handling disputes from consumers.
Chase responded with ridiculous reasoning -- Chase only deals with my former attorney XXXX XXXX, a rogue lawyer and my complaint as urged by California Bar Association is being filed. Chase is doing everything to steer me away while the bank illegally keeps the fund of around XXXX plus years of interest. Will call CFPB to discuss.
On or about  XXXX  I ended closed my account  XXXX . At this time there was a balance due of under  (  {$500.00}. ) which I was told I would be billed for. I paid this bill on our about  XXXX   XXXX . Several month later the account was sent to  XXXX  collection agencies and this is now th e 4th t ime I have addressed this issue and the 2nd time wit h Enhance Recovery Corp. Th is account was previously removed on all three times from my credit report. I have supplied the documentation and proof of payment each time the last being in   XXXX  . I am prepared to file a harassment law suit for violation of FDCPA against  XXXX  and ERC if the account is not immediately removed from my credit report. The harassing phone calls that have begun have impeded on my work. I thought this matter was resolved in   XXXX   and I no longer have my documentation but ERC should because it was sent directly to them.   The  XXXX  other collection agencies ceased all efforts after having been supplied the information and it appears that  XXXX  just keeps reassigning this PAID account to different collection agencies or ERC is attempting once again to collect.
I have a fairly new checking account with Suntrust bank. The set up the majority of my bills through their bill pay option. Because at least one if not two direct deposits enter my account every Thursday, I set up an recurring bill pay option for the funds to be issued on each Thursday or the following Friday. Through recent investigation i have found that several checks have been posted prior to the date of my enrolling of bills pay. 
check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 i contacted the bill pay department with suntrust and the representative completely agreed with what i was describing as an error. She stated that the funds would be returned to me as soon as she confirmed with her supervisor. When she came back to the phone, her entire demeanor changed and she told me that she was sorry there was nothing that she could do. I then called the bank to speak with a manager. I explained to the lady of the phone the scenario in which her reply was " If you don't like the way that the bill pay works, don't use it and pay your bills yourself. '' I can provide additional disturbing information about that particular phone conversation if needed. I then asked to speak with the manager. I was informed that she was unavailable at the time and my name and number was taken for a call back. I was on a conference call my my own job when the manager returned my call a few hours later. I called back within 20 minutes of her leaving a voicemail ; however, I was still unable to make contact with her. I again left a message for a return phone call, but I have yet to receive a response.
I have repeatedly requested and/or demanded that Equifax remove the following two ( 2 )  unauthorized/fraudulent credit inquiries from my credit report >>> 1 ) XXXX XXXX XXXX  XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 >>> The creditor listed has made the aforementioned unauthorized inquiries onto my credit report. I did not authorize these credit report furnishings. The inquiries listed were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law in The Fair Credit Reporting Act, 15 U.S.C. 1681, and such an inquiry can have a deleterious effect on my credit score. >>>> All other inquiries have been confirmed to have been duly authorized, including the XXXX XXXX XXXX  XXXX XXXX dated XX/XX/2017 ; and the XXXX  XXXX, XXXX. inquiry dated XX/XX/2017
I logged onto credit karma to check my score and a random card from XXXX XXXX in Utah popped up on my account. I have never even been to Utah and I have no idea where or who this card belongs to. I filed a dispute but I am worried someone has stolen my identity.
Ocwen Loan Servicing and its young attorney XXXX XXXX continue to use forgery and fraud, void assignment violations of the notary laws, false documents, false principal balance, false payment history, manufactured forced place insurance policies, slander of title and trustee sale threats to force me into hundreds of thousands in increased none negotiable loan modifications to embezzle my property so Ocwen can temporally increase its revenue. Ocwen employees act like a bunch of incompetent children playing school games. I provided transcript evidence to Ocwen and its attorney proving the pretender lender loan servicer don't know the phony loan principal balance. My FBI forensic expert was denied access to the so-called original note in Ocwen Loan Servicing 's possession. The pretender lender loan servicer will not allow my expert access to the so-called note. Ocwen and its attorney XXXX XXXX are attempting to block my rights from having a fair jury trial so they can temporarily get away with embezzlement. Declaration of XXXX XXXX was filed in federal court this month ratifying the bureau decision to file a lawsuit against Ocwen Loan Servicing, then  quickly after Ocwen lawyer files motion for protective orders. How many more times will our leaders allow this XXXX XXXX candy factory pretender lender loan servicers fraudulent operation from continuing its white collar crimes in this country? I sent all my evidence to XXXX XXXX, XXXX XXXX, President Trump and Vice President Pence demanding our leaders to end Ocwen Loan Servicing and shady lawyers crimes in this country. Enough is Enough!
On XX/XX/XXXX I received a call from IQ Data Management International ( aka XXXX XXXX ) in reference to {$250.00} that was owed to XXXX at XXXX XXXX for utility bills. XXXX  never contacted me directly or mailed something to my current/last name address. I spoke to once representative ( phone number XXXX, ext XXXX ) and asked for an outline of the charges that were owed, as I was confused about the total, as my utilities were typically {$150.00} flat rate per month. The individual transferred me to the Operations Manager,  XXXX XXXX, who could give me more details about the account. I had to ask for him to give me a breakdown of the charges, at which point he became very impatient. I stated that I would like to verify the amount with my old apartment building, at which point he became agitated, was extremely rude, cut me off on multiple occasions and basically told me that he didn't believe that I was going to send in a payment, would annotate to my account that I refused to pay and that it would hit my credit score. I told him to not speak to me in such a way and that I no longer felt comfortable speaking to him or giving him my personal information, and asked to be transferred back to his employee. He transferred me back and the individual assisted me with scheduling a future payment on Friday, XX/XX/XXXX. this individual confirmed that I would be billed and a letter would be sent to my mailing address. When I asked who I could speak to, the individual gave me the main line number, as there were no complaints or other supervisors I could speak to. When transferred, I was sent to voicemail. I do not appreciate the aggressive tactics done by this company or XXXX, as I was simply inquiring as to why I was being charged, when the charges had been previously due, and what my payments options would be.
I have sent 2 multiple inquiry letters to Transunion within these 60 days. I also had a fraud alert placed on my credit file on XX/XX/2017 that indicates anyone who runs my credit needs to call me verify my personal information and that was n't done and that violates my rights as a consumer. I explained to multiple CSR that their are multiples of certain places of inquiries that definitely indicate fraudulent activity but they do n't care. I reached out to the Transunion on more than one occasion to advise of my credit being pulled without my permission. They keep telling me there 's nothing they can do and inquiries are factual and no real foot work has been done to help me the consumer resolve this issue. The manager I spoke to told me they DONT DISPUTE inquiries when I know that 's not true. I need these inquiries removed as they are hendering my home buying process for my children and I.
information related to card transaction accounts. all copies related to both accounts.and any and all accounts related to me.
Optimum Outcomes is reporting a medical debt for {$140.00} on my credit from  XXXX   2012.  I have no knowledge of this debt. I have disputed with the credit bureau that I have never received any information regarding validation of this debt from this collection agency. This agency is reporting a debt that I have not been given prior notification on and have not made an effort to validate the debt with me.
I was falsely arrested/detained in XXXX County Oklahoma in the fall of XX/XX/2017 and put in a hospital for XXXX  health treatment. For conditions, I do not have. I was illegally billed for something I did not consent to. The charges were expunged. The hospital is illegally charging me for services I did not consent to, due to the false arrest and false imprisonment. The hospital sent bills to a third-party collection. agency XXXX XXXX XXXX in Florida. XXXX XXXX XXXX does not have the lawful authority under the Fair Debt Collections Practices Act ( FDCPA ) to report to the Credit Bureau an illegal charge from a business. I have challenged the bills/collections efforts, they have failed to respond in writing to my writing request, with the false arrest, false imprisonment and expungement of the charges. 
I filed a Federal Tort claim against the State of Oklahoma and the Hospital.
I expressed to XXXX I would be moving to another address which did not allow services in XXXX XXXX before I moved back to my mother 's house. My lease was up XX/XX/XXXX. As I moved back into my mother 's address, I replied to every call and send a couple of letters to XXXX explaining the situation of me having to moved and relocate due to my lease being expired. After a few attempts of calling and letters to the dispute department, XXXX has hired a third party ( AFNI ) to recover activation fee cost of {$280.00}. An XX/XX/XXXX letter states if I do n't pay they will go into my account and charge for the above amount as well negatively effect my credit. XX/XX/XXXX I spoke with XXXX at AFNI she expressed credit will be effected and XXXX with XXXX expressed it was not their concern and that I chose to leave the residence.
My personal information was stolen and used to open at least XXXX bank accounts and to obtain at least XXXX loans from the below listed companies. Apparently all fraudulent accounts were opened online with no confirmation in person. 
Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All companies were sent 609 ( e ) requested per FTC guideline by certified mail and were delivered no later than XX/XX/2016. None of the companies have responded with the requested information.
Hello, Our house was flooded by the XXXX XXXX in XXXX TX XXXX on XXXX XXXX we had XXXX inches of water in the house, all our things were destroyed. We were rescued Monday XXXX XXXX. we are very grateful for the help of friends, volunteers and our local contractor who have worked hard to preserve the house. we have spent savings and used credit cards to initially pay for material and labor to start fixing our home. We received our flood insurance check from XXXX on XXXX XXXX. the check was jointly made out to myself and Wells Fargo. We have been to Wells Fargo bank two times with all the requested documentation and spoke to them on the phone XXXX and have still not received any money from Wells Fargo, just delays and requests for more paperwork. we have had to stop work and have to send the contractors home. My wife had XXXX on XXXX and my daughter had XXXX on XXXX for XXXX. My wife and I have been living in a trailer. we have explained this to Wells Fargo and begged for our money. we have received none, just a run around. Can you Please help? Thank You XXXX and XXXX
FIRST XXXX XXXX WAS DELETED OFF MY REPORT AND NOW MY REPORT WITH EQUIFAX HAS BEEN WIPED CLEAN AND PREV NEGATIVE HAS BEEN ADDED BACK. THE Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing in which hasnt been done and now requires a break of law.