WillisBack/dataset-financial-user-claim huggingface dataset:
This is regarding fraudulent activity happened on file case number XXXX with AVIO CREDIT about the fraud and sent all the documents through the email ( on Dated on XX/XX/2018, and after that I have repeatedly emailed them, however, ( They don't even care to reply to my emails ) hence no appropriate action has taken place and because of that Derogatory Remarks have been posted on my Credit Report ). I have not taken any loan and I dispute any charges that are associated with it. I have already filed a police complaint when this fraud took palace and a copy of the police report is attached. Cpl. XXXX XXXX and Officer XXXX XXXX have ensured that they will provide any additional clarification or information regarding the investigation. I'm also attaching their contact details.
On XX/XX/XXXX I mailed out 4 Certified letters to the collection agency that are on my credit report, asking for validation of Debt and HIPPA authorization, I have yet to receive my proof of signature. In XX/XX/XXXX I mailed out Certified envelops and all the paper work to show proof that they didn't provide me my request to the three credit bureaus they did remove some of the medical collection, I am still waiting on the 7 collections to be removed, They never responded to my letters and its way over due, and I get denied for credit loans. Its very frustrating when I'm working really hard on my credit and the credit bureau does half of a job. I see from my XXXX XXXX that XXXX is reporting 6 of the medical collections, and XXXX is reporting 14 of the medical collections and XXXX  is reporting 13 of the medical collections that should be off my credit report. and also I have disputed on XXXX XXXX   and they did investigate and found in my favor with XXXX XXXX that they are reporting back in XX/XX/XXXX of a late payment I have NEVER paid late, my payments are made early or on time never LATE. And thats still on my credit as well.
I requested a report from XXXX and they do not remove any of the fraudulent items that were fraudulent after calling in 9 times they told me not to call back anymore and because they can't do anything but the fraudulent items are still ruining my credit
I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
Santander Consumer USA ( closed ) Is over 7 years old. This should be removed because of the age.

Last payment was in 2011 please see the attached XXXX old credit report stating the correct dates.

Every time the company ( Santander Consumer USA ) is contacted it seems they keep changing the final dates. 
Thank you
It started with the need to get help for my cat who was XXXX. So I headed to the Vets Because I 'm on a fixed income, ( a non-service related XXXX pension ) and have been struggling financially for some time now, I simply did not have the finances to cover the {$72.00} fee to give my cat the needed medical attention. When it was suggested that I open an account with " CareCredit/Synchrony Bank '' to help her, I felt I had little choice. It was either that or let my cat continue to suffer. At the time I was not much concerned with any of the fine print or policies of CareCredit, I was stressed out enough just having to deal with relieving my cat 's suffering. 
I 'm XXXX and barely surviving on the small stipend the XXXX. pays me, so when I received CareCredits first bill stipulating that I pay {$25.00} a month until I pay it off, I immediately called them, and pleaded with the representative that I was already struggling just to survive, and would it be possible if they could be a little flexible with me by allowing me to pay them XXXX or XXXX dollars a month until I pay off the {$72.00}. They said absolutely not! and they stated that for every month I did n't make the {$25.00} payment I would see an increase of {$35.00}. 
Well as of today after missing five months of payments on my bill it has risen to {$220.00}. They have now turned the issue over to " XXXX '', an aggressive collection agency. I 've tried my best to reason with all concerned parties, but to no avail. And they are no longer interested in the XXXX dollars they want the whole {$220.00}. Anyway, any help would be most appreciated. Thank You.
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX XXXX XXXX reported to the Credit Bureau that my account was 30 to 60 days delinquent and late when in fact it was not late at all. I made a credit card payment to XXXX XXXX XXXX in the amount of {$33.00} payment on XX/XX/XXXX which then left a {$18.00} total balance due - I then paid the {$18.00} to XXXX XXXX XXXX on XX/XX/XXXX bringing my account to a XXXX  balance. XXXX XXXX XXXX reported my account delinquent and late on XX/XX/XXXX without even checking to see I made a {$33.00} payment and that my account was not past due or delinquent and up to date - I feel that XXXX XXXX XXXX is using unfair bullying tactics to scare and intimidate the credit card holder. XXXX XXXX   should have checked my account balance prior to them reporting any amounts past due or delinquent. The amount XXXX XXXX XXXX reported to the Credit Bureau was done in BAD FAITH and was done to punish me and hurt my credit score. Since XXXX XXXX XXXX reported this false past due and delinquent account - my credit score has dropped well over 120 points. Please notify them to correct this unfair and false reporting to the Credit Bureau as soon as possible. Thank you.
On 2014 I took the big decision to move from XXXX XXXX to USA ( XXXX, XXXX ) to start new with my fiancee and XXXX daughters. I 've been a successful student and business person in XXXX XXXX and an example citizen. Recent after opening a checking account on Bank of America, I deposited a couple of pay checks ( computer/business checks ) from my previous employer from XXXX XXXX to my BoA account. Only XXXX of them bounce back as a " bad check '' for a really small amount of around {$200.00}. Bank of America automatically without notice closed my account for " fraud/bad check '' and now I 've been flagged as if I were some kind of criminal, when I 've never in my life have n't even taken a piece of gum without paying it. This is frustrating. I do n't owe BoA any money, everything was paid of in cash at a local branch. I tried contacting BoA at local branches, corporate offices, and by phone, none of them helpful, I get the same answer, BoA flag as a fraud check and there 's nothing we can do ''. So now I have to wait 7-10 years so I can have my finance life back? This is NOT FAIR at all. I should not pay this consequences, much less my fiancee who has nothing to do with this, she was just an authorized person on my account to have access to a debit card and be able to make purchase with my hard earned money. Please investigate BoA and my disputes, all I want is to be removed from the XXXX and be able to open a regular checking account at any bank like XXXX, XXXX XXXX, etc. I have great relationship with local banks in XXXX XXXX that can vouch for me, including the biggest bank in XXXX XXXX, the XXXX XXXX XXXX, which I have accounts for XXXX years now. Please help get my life back, buy a house, get a checking accounts for direct deposit, and more. THANK YOU
I received a letter earlier this year alleging a debt by a company called XXXX XXXX. On or about XX/XX/XXXX a letter was sent to them requesting information/validation/disputing the debt. As a consequence, they stopped all contact for the past few months. Today XX/XX/XXXX a voice mail was left by this company. They have never attempted to validate the debt or provide any of the information requested.
STUDENT LOANS ARE CONSOLIDATED AND IN THE IBR REPAYMENT PLAN. HOWEVER WHEN THEY FIGURE YOUR ANNUAL PAYMENT RATE THEY DO NOT TAKE IN TO CONSIDERATION COST OF LIVING OR OTHER BILLS ONE HAS TO PAY. THEY ONLY FIGURE A FLAT PERCENTAGE BASED ON YOUR GROSS INCOME. NOT NET AND WHAT YOUR EXPENSES ARE. ALSO ON MUCH MORE CONCERNING LEVEL, ALL OF MY EX HUSBANDS STUDENT LOANS AND ALL OF MINE ARE CONSOLIDATED UNDER ONE SSN, MINE! SO NOW THAT WE ARE DIVORCED WE CAN NOT SPLIT THESE BACK OUT. SO I'M STUCK WITH OVER $ 300K IN DEBT. HE CAN BUY HOUSES, CARS, ETC ETC, BUT I CAN'T. 
PLUS I CAN'T USE MY VA HOME LOAN UNLESS I'M MARRIED. XXXX?! 
AND IF I WERE TO MARRY THEN MY STUDENT LOAN REPAYMENT AMOUNT DOUBLES! SO I CAN'T USE MY VA HOME LOAN UNLESS I MARRY, BUT IF I DO THEN STUDENT LOAN PAYMENT DOUBLES. I AM SO SCREWED. I'VE WRITTEN TO MY CONGRESSMAN - XXXX XXXX AND HE COULDN'T DO A THING TO HELP. OR RATHER WOULDN'T.
I obtained two {$100.00} rebate card from Citibank for a purchases made from XXXX on XX/XX/XXXX. In XX/XX/XXXX I attempted to use them to make a purchase to find they had both expired. I called the  customer service line to get them reissued and was told that was not possible. In essence Citibank stole {$200.00} from me ( and possibly many other people ) behind this quick expiration scam, knowing full well and counting on the fact many people would wait too long to cash in.
I signed up with Experian in order to receive a XXXX time credit report in the amount of {$1.00}. Upon signing up I box prompted if I would like a XXXX bureau report along with my FICO credit score. I checked that I did, but was not made aware that an additional charge of {$39.00} was going to be added. I received my credit report and moved on. Today I checked my bank account and there is a charge in the amount of {$21.00}. I checked with Experian who advised me that the charge was for a monthly monitoring service that I did not cancel within the trial period. I did not authorize the monthly monitoring nor was I made aware of the trial period that I needed to cancel this unwanted service in.
After filing an initial complaint regarding how Santander would not accept my payments, I filed a complaint to get help from the CFPB. They responded and ignored the complaint. Since then I have been working with them trying to figure out why I have so much additional interest being paid on my account. Tonight I found out that they would not except my payments in XX/XX/XXXX, and rolled the balance due in XX/XX/XXXX into XX/XX/XXXX. So now I do not know anything from XX/XX/XXXX or XX/XX/XXXX but I owe {$810.00} on XXXX/XXXX/2016. My standard monthly payment is XXXX. Not only are they charging me additional interest but now they are extending the term of my loan that I did not approve of or accept. this is a separate complaint but it is based off of the first complaint as the second complaint it is regarding retaliation by Santander. They continue their corrupt and predatory business practices and I 'm once again left with no option but to reach out asking for help to someone who can make them respond. tonight after trying to understand what they did XXXX the representative disconnected the chat and is now blocked me from chatting with them any further. Please Help!
After sending back requested information, they still refuse to correct and/or remove incorrect information therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name
US Bank started profiling gun stores ( which is a Constitutional right ) and asking all kinds of non-transaction questions to determine if we sold guns. They put it under the guise of " know your customer '' and used that to ask all kinds of non-transnational questions. I referred them to the ATF and FBI for the gun specific questions that were not pertinent to our banking relationship ( they wanted to know how we shipped guns etc ). They then closed my accounts because of this illegal profiling. They claimed they needed to know where my cash deposits came from - they know good and well and XXXX the manager and staff have been in my store before. So they knew who we were and it's not a secret that gun stores deposit cash. It was purely a witch hunt.
I was contacted by XXXX XXXX XXXX XXXX fromIntegral Recoveries Inc. It claims to be a collection agency representing the Colorado IRS department and states that I owe state property taxes from 2009. They have contacted me by phone twice in the last 6 months. They can not provide any details other than the amount owed. I 've never received a letter of notice from the IRS. My only communication has been through them.
Chase Visa Charging Loyal Customer {$7600.00} for Chase 's Error On or about 2015 XXXX XXXX Chase Visa accepted and paid unauthorized charges totalling over {$7600.00} from a fraudulent vendor AFTER we reported the issue to Chase and cautioned Chase to NOT pay the vendor in question on 2015 XXXX XXXX. As responsible cardholders we made every reasonable attempt to warn Chase that the vendor in question ( XXXX XXXX XXXX ) was a company acting in bad faith, and that XXXX XXXX XXXX attempting to charge our Chase Visa card with unauthorized transactions. Nevertheless, Chase paid the vendor against our instructions and warnings, and is now insisting that we should pay Chase for its {$7600.00} avoidable error. The vendor in question is no longer in business. Countless hours and correspondence with Chase over the past 14 months have failed to produce any resolution. Chase continues to insist that we should pay for its mistake - even though there is a clear record that we cautioned Chase immediately against this error. Acting in good faith, we have continued to make minimum payments on the card balance, even though this balance is not legitimate, as we have continued to seek an acceptable resolution. As a result, our losses due to this egregious error on the part of Chase Visa now exceed {$9000.00}.
The XXXX school I went to chose Navient as the holder of my loans, both Federal and Private. The problem I had is that the people who set up the loans for me at XXXX XXXX (in the beginning) didn't know what they were doing and did not get me the best payment plans. I didn't know that until years later when an employee (during a much later call) told me that the loans I was given was not a good loan for me.I could have had lower payments, or a better, more efficient plan than what I was currently on. That made me really angry. Because the payments were so high, I had to use deferments for a few years because I didn't make enough money in a low paying restaurant/catering job to pay my rent and other expenses AND $400+ in student loans. Once the deferments ended I had to figure out ways to pay, switching jobs until I finally made enough money to pay the loans. As it is, after all these years of paying I still owe $XXXX  more than the initial loan of $XXXX. Now I can no longer work at my job and I'm way past retirement age, deciding whether to give my social security and IRA retirement money to Navient, when I already don't have nearly enough money to last me the rest of my life, however long that may be. I would never encourage anyone to take on this kind of debt. The recruiter at the culinary school lied to me about what I would make once I graduated. It was a big mistake!
I am filing this complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. being that they have gone well past the 30 day and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to delete the information which they can not verify that I have disputed. Thank you very much for all your help in making sure that Equifax remains compliant in all their dealings.
TransUnion violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,   XX/XX/XXXX    , I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to TransUnion disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. TransUnion wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for TransUnion to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was TransUnion able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, TransUnion also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of TransUnion 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX
On XXXX XXXX, 2017 I called my credit card to ask them of they can settle my account at a lower amount that is owed because of some financial hardship. I spoke with the initial lady and she just kept telling me because I was being by one payment they were not able to help me at this time. So I asked to speak with a supervisor and the gentleman that answered said the same thing. He did not want to help me at all with my financial situation when XXXX told him I can settle now at at lower amount due but he did not want to help the situation. I also cancel this card already, I just want to be done with it and the way it off.
I purchased merchandise from Macys.com on XX/XX/2016. while it offered macys ' money as incentive to use later. I earned some Money 's money but did not use it all. There was only one week window to use Macys ' money. 

Later I returned one of the products due to its quality. Macys deducted {$20.00} from the money I paid for the merchandise. The merchandise is {$70.00} which could n't earn {$20.00} Macys ' money. Yet, Macys ' took {$20.00} from me. I have contacted Macys several times, but it has refused to credit {$20.00} back to my credit card.
XXXX and Equifax are ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Phoenix Recovery group has been attempting to collect an inaccurate erroneous debt since XX/XX/2018. I have contacted them multiple times since XX/XX/2018 to get an explanation of the debt or for them to atleast correct the balance but to no avail they refuse to update or delete the inaccurate account from my credit report for XXXX or XXXX. The original creditor was paid out {$2400.00} as per a settlement agreement reached in XXXX county civil court on XX/XX/2018. Phoenix recovery group insists that there are no records of this even though I have the court documents and receipts of payment they refuse to take into consideration. Also I have disputed this account with all 3 credit bureaus as an inaccurate account and Phoenix recovery continuously responds with " Account information disputed by consumer, meets FCRA requirements '' I believe no due diligence is being taken on their behalf and this is negatively impacting me by preventing me from obtaining credit and renting or buying a home
I 'm a XXXX, XX/XX/2016.. Since XXXX I have had to move back to my home town and dealt with being jobless for several months only to get my first payment set up to be over {$1200.00}. Being jobless, and my cosigner passing due to a hit and run, I was forced to go into deferment. I was not offered any income based solutions and with working XXXX part time minimum wage jobs I still ca n't afford it. Deferment is now up and upon trying to pay and getting another Deferment I 'm met with only computer operated messages and no help. Im going to delinquency now and hopefully can defer when theit office is open on Monday. Largest privatized loan agency for students and closed on the weekends. Great plan.
On XXXX XXXX a garnishment in the amount of {$2500.00} was placed on my checking account by Zakheim & Lavrar XXXX XXXX, Florida for a debt owed to XXXX Bank. Zakheim & Lavrar claims to have sent XXXX documents to my residence warning me of an impending garnishment. We received neither of these letters. If we did we would have immediately paid off the debt. We were n't made aware of the garnishment until after we tried using our debit card and it was declined. After contacting the bank and learning where the garnishment was from we immediately drew a tellers check for the amount owed and mailed it. Zakheim and Lavrar received the check on XXXX XXXX. We asked when the hold would be released and they said between 7-10 business days. After 10 days we checked and the hold was still on our account. We contacted them and they informed us that they mailed out a Dissolved Writ of Garnishment to the court and our bank on the XXXX. We waited 5 days and the hold was still on. We contacted them again and they stated that they had mailed the Writ on the XXXX, and again that day, the XXXX. After contacting both our bank and the court today we learned that neither have received any documents regarding our case. The court informed us that the document needs to be sent via XXXX, the way the original documents to place the hold were sent, and to date, they have received nothing from Zakheim and Lavrar. We feel that we are being directly lied to by Zakheim and Lavrar and they are doing nothing to resolve our issue. From the beginning they have been giving us erroneous information.
Back in XXXX XXXX, XXXX I got approved for a loan from Preferred Credit , Inc., for {$3000.00}. After XXXX phone calls from them during the last 6 weeks, to verify my address again, to make sure I am me, finally I have received in the mail the first statement, today, XXXX XXXX, XXXX. To my astonishment I was already charged with {$43.00} interest. I called the loan company, and was told that the interest starts accruing from the day I signed the contract. To my question of why they dragged their feet and took their time to issue this first statement so late ( again, 6 weeks later ), they had no reply. I mean, is their interest to delay the setting up of the accounts and so on, as long as possible, because, at the end me, the customer, will pay interest retroactively. Why I did n't get this first statement at the beginning of XXXX? So I can be charged these accrued interest? I have no control of the speed they process their paperwork, yet I need to pay now. I think they are playing an unfair game regarding my case.
I have filed three complaints on Suntrust closing my checking. They closed my checking illegally. I had refunds issued by companies to that account, including from XXXX. The bank has never sent me a check for it- they didnt deny the funds from the refund but have not sent to me. It's been 30+ days. The dates and amounts to my checking refunded from XXXX to the closed account by the bank- they never told me they were closing they just closed it, held funds, refused to give me money until there wasnt activity on account but never warned me to stop using it. Scam. But the refunds were never sent to me : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX among other various active disputes for fraudulent charges to my account on both business and checking accounts. Suntrust never followed up, never issued me a refund and kept the refunds that were indeed issued to me.
I don't even remember the dates but they keep threatening and harassing me. I'm not even sure of the amount. It was over 5 years ago and they took unauthorized money out of my account which after I had to close the account to stop from getting charged by my bank.