WillisBack/dataset-financial-user-claim huggingface dataset:
I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from US Bank. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called US Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. US Bank told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...
ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND ANTHER ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.
Some guy from XXXX Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old Citibank card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.
They refuse money orders, harass me daily via phone you to open a checking account, and refuse to mail statements showing money is going towards account. 
I was contacted about three accounts I have with Portfolio, I made arrangements to send {$50.00} per month towards the accounts via money order and sent it in the mail and now I 'm told that apparently money orders are n't good enough and I must open a checking account. I do not have a checking account and I will never get one because I do not need one and I know they will just automatically take money out without authorization and overdraw any accounts, you would think they would n't care how you get the money and just be happy to get it at all. 
I also asked was for a paper bill, so I can verify that this is not a scam company and see the balance going down, but I 'm being told that I ca n't get a paper statement unless I open a checking account. I absolutely will not open a checking account and now since my money orders are n't good enough, I guess they prefer to just get nothing then? 
They are committing fraud by taking my {$50.00} and not providing me any statement that it went towards anything or to verify who they are.
I recently ordered my credit report from Equifax and noticed that there were a few inquiries that I did n't recognize or authorize. Listed below are the inquiries that are unauthorized and unrecognizable. 

XXXX XXXX XXXX XXXX/XXXX/XXXX *XXXX XXXX/XXXX/XXXX *XXXX XXXX XXXX/XXXX/XXXX I called and spoke to a representative and she stated that there was nothing that she could do to help me. I put an fraud alert on my credit report for XXXX, XXXX, and XXXX for reasons like this. I would like to have these inquiries removed immediately.
I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit XXXX XX/XX/XXXX Syncb XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX
Im a first time home buyer in which I closed on my property on XX/XX/2017. My mortage lender is XXXX XXXX XXXX XXXX. Before I closed on my property my loan officer had assured me that my loan payments will be XXXX a month. After I closed on my property 4 month later the same company raised my mortgage to XXXX a month. Before closing I had made it clear that I will not be able to afford a mortgage above 2000. I also emphasized that if my payment will be above 2000 that I will not close on the property. I contacted them about the issue and they claim that they did not have any information about the property to get an exact property tax value and thats why my payment had increased so m much. I believe that they were aware of the going tax rate in my county at the time but didn't include the correct tax rate at the moment just to satisfy my demand of not paying a mortgage payment of over 2000 a month just to get me to close on the property. I feel I've been taken advantage of for my lack of knowledge on home buying and demand for them to honor the original mortgage payment.
I scheduled a payment through Bank Of America to a local merchant. I admit the funds were NOT in the account upon scheduling because I knew it took at least ten days to process. I went to the nearest branch, XXXX miles away ( 1 hour drive each way from here ) to make a deposit after to make a deposit to make sure the account was in good standing. The bank was boarded up and shut down. The next nearest branch to make a deposit was XXXX miles away. I could not do that. The check hit and B of A declined payment and just charged a fee. I paid the bill through my new blue card from XXXX which does n't ever charge fees for anything. B of A charged another fee for not paying the first fees that included maintenance fees, as driving XXXX miles to their other branch and covering it within five business days was not possible. My account currently has - {$100.00} with {$100.00} of that amount being pure fees, no actual goods or services. B of A provided NO goods or services for those fees. They are running them up seemingly non-stop, with monthly maintenance fees for doing absolutely nothing. I 've discussed this with their customer service and they said I could pay ALL fees or get banned from having a checking account anywhere in the U.S. once they report their unrecovered fees to chex systems. I wanted to end my account with them, but have to drive XXXX miles at their convenience and pay them to do so.
after Equifax betrayed EVERY AMERICAN ADULT ( I did the maths. the breech was not just an amount of americans, it was LITERALLY EVERY AMERICAN ADULT. ), they were allowed to protect us ( from themselves? ). so maybe this time, something will get done : they have an address for me that is IMPOSSIBLE. i have NEVER in my lifetime even VISITED Oregon, yet Equifax has a Portland address for me ; also, they have my " current '' employment information as : Accurate Staffing Care. that company BELONGED TO MY FATHER, so when i tell you that NO ONE WORKS THERE, ESPECIALLY NOT ME, you can believe me.
When I opened my account I was not offered Premier Banking. I believe opening an account with {$20000.00} or more they should of offered me premier banking. I served in the XXXX XXXX XXXX XXXX for 4 years and deposited all of my money with this institution then XXXX XXXX owned by Wells Fargo now operating as Wells Fargo. This Branch is located at XXXX XXXX XXXX XXXX XXXX Pennsylvania. I would like my FDIC insurance in full of {$250000.00}. This is impossible dealing with the bank. My Account with them either Checking or Savings I'm not sure it has been 16 years, has been hacked for over {$300000.00}. If anyone could please assist me in this matter I would greatly appreciate it. Thank You, to everyone at the CFPB and I will be retuning to XXXX in XX/XX/2019. I would like my money to be safe with this institution when I return. They have been very kind to my Father.
I got results on XXXX XXXX 2015 showing accounts no longer reporting my equifax credit file. I have attach the XXXX XXXX results. A month or two later the accounts showed back up on my credit report. As per FCRA if items get reinserted I need notification within 5 days I did not get that. Violation of the FCRA. Either remove the items or the next letter will be from a attorney with a lawsuit and owing me money. I have tried disputing mult times with no luck. 
Here is what the FCRA says about reinserting, i ) If any information is deleted from a consumer 's file pursuant to subparagraph : ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause : ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;
I ran my credit report through TransUnion on XXXX XXXX, XXXX and noticed that my XXXX XXXX XXXX was scheduled to be removed from my credit report on or around XXXX XXXX. I ran my credit report again on XXXX XXXX, XXXX and notice that the date of the removal changed from XXXX XXXX to XXXX XXXX. I disputed this discrepancy online and through customer service and bought it to their attention that they re-aged my account which is illegal. I waited until I receive their official investigative results in which they kept the XXXX XXXX date of removal. I spoke to XXXX XXXX who could n't explain why the date of removal was changed. I was then directed to XXXX Bank in which I had the WORST experience I could ever recall in my adult life! The representative told me the information was correct on my credit report, that the information from my XXXX report was incorrect and that there was nothing I could do about it. I am attaching proof of credit report ran on XXXX XXXX and on XXXX XXXX to show the discrepancy. I also plan on filing a complaint with the Attorney General because they should not go unpunished.
XXXX XXXX is listed on my XXXX Credit Report ( XXXX ) three times as an installment loan. It is also listed on XXXX ( XXXX ) as an installment loan three times. It is also listed on my XXXX credit report ( XXXX ) three times as a credit card. This creditor can not verify that the following debt is mine. I have never signed anything with the company. The Company has varying account numbers and varying account types on the report. The company can not validate this debt is mine and accurately posted to my credit. I am requesting XXXX XXXX remove all three credit listing to be removed from all three credit bureaus.
I am unaware of a debt that I owe from a Mississippi XXXX bill to which the Jacob 's Collection agency calls me twice weekly to tell me that I owe. They said it was for two years and one was for the year 2008. I have never received the initial bill so I can not argue the claim. Regardless, they call threaten to garnish my wages, report to my credit, etc.
AFNI COLLECTION AGENCY they send me bill home withe incorrect info, they r claming i owe XXXX monney, i contact them to provide prove to me withe incoming and outgoing calls they r made from thet XXXX number they refuse to do so, i contact XXXX i ask them same question they toll me we dont have any account, i call back afni ask them agian for prove to send me home they only thing is they threating me with law suit and pay as the monney and do not send any affidavit to any goverment agencys they tell me i dont have right to do thet only think and right i have acording to this colection agency is pay monney thet i dont owe any XXXX to them or att, please help me to resolve this issue withe this AFNI collection agency and att ask them to provide prove to you withe any phone calls thet wose made from the phone they r claimg i opend in 2012 i never have any service withe XXXX
I have a debt reporting on my credit for a payday loan. I am XXXX, and I am just now learning how to use the internet. I never applied for any loan, and I am disputing the validity of this debt.pursuant to the Fair Debt Collection Practices Act, XXXX : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
Consent to publish the description of what happened? Consent provided
I have contacted Chexsystems on multiple occasions concerning a heavy file that needs correction. The first part of my complaint is all the different names and variation. 
The only name that should be on file is XXXX XXXX XXXX. I was unable to dispute this information by speaking to call center representative. I have saw and learned of over over 10 different  erroneous mismatch misspelled and unknowns name that I have never held. My birth name Is XXXX XXXX XXXX and I need all names to be corrected and removed They claim they have received documents that gave them authorization to merge files. I have not been provided any copies of any ID and Social Security card from all the alias. I need to know by law can they legally do this and combine fraudulent information on my consumer file. If documentation can not be provided by form of a legal court document of each linking the names. They must split the files. They must not violate the law Secondly, I need to dispute every inquiry on my Chexsystem file for the last 3 years since XX/XX/2009. I have not applied for banking services and not gave anyone or financial Institution permissible purpose to view my file and strongly deny this and require proof as my consumer right that I consented to any inquiry via FCRA section 609,605 and section 623. If no proof, deletion is required They also claim they may need a police report. According to the law, a police report is not needed to dispute inaccurate information and is not needed for inquiries that are not 100 % verifiable. A wet signature or document is required IF NOT. Please remove all the illegal hard inquiries
I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Central States Recovery, account opened on XX/XX/2016 and XX/XX/2016 therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
After opening an account with Capital One to help build my credit. My account number ( not card ) was compromised and charges were ran up on my account. A nice rep assisted me in helping to remove the inaccurately reporting XX/XX/2017 60 day late payment to a current status. However this update still hasn't became effective on my credit reports. This 60 day late payments is costing me terribly. I have been dealing with this well over a year. I would like to believe that the domino effect created with identity theft will not be tolerated at CapitalOne and all opitions to help EVERYONE not just those effected on a grand scale but also small scales can get justice also.
My boyfriend and I purchased a sofa from XXXX and we have a year to pay it off interest free. Before we made the purchase I asked if I would be able to set up automatic monthly payments and was told I could. I just got the bill ( which is through TD Bank ) and got online to set up the monthly payments and their system is designed to only allow me to make monthly payments in the amount of the minimum payment due - which will not have us pay off the sofa in time and would then have us pay interest in an amount almost equal to the cost of the sofa itself. In addition, the loan is set up as a credit card so there are late fees if you do n't pay monthly. I called customer service, assuming there was a technical glitch that would n't allow me to enter a larger amount, and was told by the associate that this is how the system is designed. She said I can set up recurring payments for the minimum amount and then call each month if I want to pay more than that. They promise an interest free loan and then are putting significant barriers in place to cost the consumer extra money. These policies are predatory and need to be changed.
Last XXXX I closed on a house I purchased using my VA home loan. Normally when your a second time VA home loan user you pay a VA funding fee. I used Premier Nationwide Lending for my home purchase. I sent my Certificate of Eligibility from the VA to my loan originator who put it in my package to build my loan. I also used my XXXX monthly income from the VA to get approved for the loan. I am XXXX by the VA. At closing I asked what was the XXXX dollar closing fee for the VA and my originator told me that it was a VA funding fee and that since it was my second time using the VA home loan I had to pay it. Fast forward to Monday of last week, I now work for a bank as a banker and I was talking to a former veteran also our mortgage guy for the bank I worked at. In passing we talked about my loan and proceeded to talk about how much I had to give the VA. My mortgage guy told me that since I was XXXX I should n't have paid that funding fee and showed me the VA reference guide saying that " while its true that second time VA users pay a funding fee, XXXX vets are exempt. I pulled my HUD my COE and sure enough I was exempt. Last Monday I contacted the loan originator I used at premier nationwide lending and complained to him and sent the documentation showing they made a big mistake. After a few days I texted him on Friday of last week and he said he would get back to me Monday or Tuesday this week. Well today is Thursday and I have had enough. This is a serious matter, I paid money I should n't have paid and now am paying interest on that money I should n't have paid, not to mention closing cost were built around the overall amount of the loan. I still have not heard from premier nationwide lending 's compliance, or even the loan originator unless I text or call him first. For me this is ridiculous and as a XXXX veteran it is very distressing to have this financial burden and uncertainty hanging over me and my family. I feel as if no one cares enough to keep me informed or to even let me know if this is being resolved. This is wrong whether it was intentionally done or unintentionally done. This loan is 30 years of my life and if I would not have caught this error I would have paid much more than XXXX dollars over 30 years. My loan currently cost more than my home would appraise for because of that funding fee. Please contact me immediately.
I had a vehicle repossessed that was originally financed with XXXX XXXX XXXX XXXX. The vehicle deficiency debt was purchased by Cavalry Portfolio Services. This past Wednesday I had a consultation with a consumer protection attorney and provided all information and paperwork regarding the repossession and was informed that XXXX XXXX XXXX XXXX did not follow Texas state statutes regarding my due process. At the time of the repossession my residence was in Texas but I was XXXX. Therefore the debt should not be on my credit files.
I sent money using Western Union to my stepson in XXXX. ( My tracking number ( XXXX ) is : XXXX Transaction Date : XXXX XXXX, 2015 XXXX ET ) The money was a direct transfer from my bank account to my stepsons bank at XXXX. 
After calling Western Union on XXXX the lied an told me that my bank will not release the funds for 5 days but in fact the money was Debited on XXXX and posted on XXXX/XXXXMy stepson is not able to get the money even after calling western union as instructed when I did the transfer. They told him that I needed to call western union before he could get the money. When I called thats when the lied about my bank holding the money for 5 days. This is clearly a kiting scheme by Western union to hold all money transfer funds so they can make more money using customers xash