WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, 2017 I submitted an online dispute with XXXX and Equifax concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. My county courthouse does not provide this information and neither does the NC Department of Revenue, but XXXX and Equifax employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. They do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both XXXX AND EQUIFAX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
I try since XX/XX/XXXX to have an accurate credit report with equifax. 

They act like syndicate, no reply, wrong information and they dont care! 

Its my last request before to ask my lawyer to ask for damage because this situation has impact my life financially and its always with equifax! 

I ask you to report the right way my account loan : XXXX XXXX open XX/XX/XXXX in good standing 5 payment on time of XXXX $ Balance XXXX . 

I ask you to update and respect the law! 

Thank you!
I booked several rooms at the XXXX XXXX in XXXX XXXX for a stay from XXXX. I prepaid for all the rooms on a debit card. 
XXXX overcharged my card for {$200.00} approx, in informed them before XX/XX/18, and they concurred over the phone and told me that they would credit my account for that amount. 
The credited my account on XX/XX/18, and at the same time 2 additional charges were credited to my account at JP CHASE through this debit card totalling over {$40000.00}. 
Subsequently a week later, XXXX  debited my same card the appropriate {$40000.00}. I had moved the money into a different account as I did not want the funds to get mixed up with my own. So when I saw in the evening the they debited the same amount, I quickly transferred those funds back to the account so that they would get that money and no overdrafts would occur. 
A series of other transactions were taken by my bank after that fact, which also included them charging me about {$100.00} and then without notifying, through their loss prevention, closed all of my accounts and caused me to not have access to any of my incoming funds. I did not receive a phone call, a letter, a notice in my online banking messaging, or anything. 
I feel the hotel and the bank are 100 % responsible for either mistakes/errors or malfeasance that resulted in their silently accusing ME of doing something wrong and resulting in me being wrongly charged financially. additionally, several direct deposits going into my account were not deposited and not given to me for a total of approximately {$3200.00}. 
I have reported this to the XXXX XXXX  in XXXX XXXX and am attempting to file a complaint directly with CHASE but have not been able to ascertain the correct department and/or address/email address for their attention.
I Have 5 Inquries On My Account That I Have No idea Where they Came From. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX
Today XXXX/XXXX/2015 at XXXX, a representative from Chase Mortgage called and demanded mortgage payments. We discussed that the house is vacant and that I called their office to ask for foreclosure due to my husband 's XXXX. After much discussion, I agreed to try and see if I can do a deed in lieu, that he will send out a representative to see me to help. But toward the end of the conversation, he verbalized that the late payments will be reported to the credit bureaus and the most concerning part is that apparently my mortgage had been reaffirmed. To my knowledge and my atty 's advise, we did not reaffirm our house at all. But the representative insist that I did. I asked him to send me a copy of the said reaffirmation but he wont.
I received correspondence from Pressler & Pressler stating I allegedly owe them another {$2600.00}. I have found errors in their accounting. Per the numbers they sent me, they have collected {$3200.00}. This is incorrect. Just for XXXX alone, they report having collected {$1900.00}. Per my pay stubs on my former companys website, they have taken {$2100.00} from me in XXXX. 

From XXXX to XXXX, they state they have collected {$1300.00}. They have not provided where they got their numbers from and I am unable to verify and reconcile their reported numbers from XXXX to XXXX. The temp agency I worked for at that time does not keep records from that far back. Per the numbers Pressler & Pressler reported, they have collected a grand total of {$3200.00}. This is also incorrect. 

Per their numbers reported along with the records of my pay stubs, they have taken from me a grand total of {$4100.00} and are demanding another {$2600.00}. 

I do not find it prudent to send them any money or fair for them to garnish my wages without proof of debt. They didnt even provide where they got their numbers, as well as refused to provide proof of where the debt is from and have only listed the dollar amounts. If there are errors like this in their records, what is to stop them from making up another dollar amount and demanding more from me in the future after this is settled?
I was formerly seeking help at XXXX XXXX University for my XXXX health XXXX at the age of XXXX. I was practically homeless from my mother XXXX By doing so, I have been contacted multiple times by PSG regarding the debt " I '' owe. I have repeatedly asked them to stop calling, and to get in touch with my mother who is financially responsible for me as a minor. As a minor in this situation, I have made it clear to PSG that I was in no way, shape, or form to legally sign such a contract holding me financially responsible for this debt. They claim to have tried contacting my mother, but have not been able to reach her. Therefore, they have unlawfully submitted this to my credit bureaus without my permission ; despite my best efforts in setting the record straight. PSG has threatened multiple times to take this balance out of my bank accounts using my social security number until the balance is zero. I have been called names repeatedly by PSG, hung up on several times, and nevertheless the endless " robocalls '' after I have told them to stop contacting me. PSG has never ONCE " mini- miranda 'd '' me. They have NEVER confirmed my identity with these continuous calls, never have given me my rights to dispute, etc. I took things into my own hands and did research to sue for these calls and the way I have been wrongfully mistreated numerous times by Profit Services Group. I have an attorney and I am ready for further action. I have also sent a dispute to XXXX explaining what is going on with this collection showing on my credit, that once again, is not legally my responsibility.
XXXX/Ohio. Called CheckSmart to arrange payments BEFORE loan in default ( due to legal situation, court with ex, etc ). Advised to default on loan, then I was told they would call me and I could make payments for a duration of 45 days. I did as they instructed me to. I defaulted, and awaited a call. However ; I did not receive a call and they debited my bank account for the full amount due causing me to go negative {$500.00} and we 're looking at {$300.00} in overdraft fees since I already set up my account to automatically send checks on my other bills. Called CheckSmart default loan/department and was basically laughed at by a worker then a " manager '' as it says in my contract they can debit my account. HOWEVER - they instructed me to go to the store and reloan as the best result since THEY did not keep our agreement. Had they told me they would debit my account, I would have tried to find a way around defaulting. I was trying to do the right thing since I am in a legal bind and paying a lot of money to my attorney to fight for me in court. This really set me back by far. Now not only am I out this money, I 'm out a lot more in fees and frustration.
I contacted XXXX XXXX to pay off my entire loan in 2005. However, they refused to give me an exacted pay out and suggested that I make the monthly payments.
on XXXX XXXX I opened disputes of debt validation with all XXXX credit reporting agencies. XXXX XXXX, and Transunion. XXXX XXXX XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, Transunion and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
Is it lawful to be used as collatereal damage? 

My loan were originally serviced by XXXX XXXX XXXX and then serviced by company XXXX ; now this third transfer in 3 years and this company XXXX XXXX! 
Documents are lost and payments never applied to my loan ... 
The loan amount was XXXX in XXXX XXXX Now XXXX years later XXXX XXXX states I owe them XXXX estimate.to resolve this loan and to retain my property. 
I was in bankruptcy for 5 years and XXXX XXXX was XXXX and I paid payments through the Bankruptcy XXXX and did not miss a payment! 
These are unlawful fees and fabricated fees used as collateral ...
On XX/XX/2018, I saw an an AMEX ( America Express ) ad targeted for me Earn XXXX Membership Points after spending {$2000.00} in 92 days After signing up the credit card and meeting the spending requirements, the sign up bonus is not issued. 
I contacted customer support and was then informed that my sign up bonus is declined. I am not aware of this situation until fulfilling the {$2000.00} spending requirement.
I disputed 3 charges made by a scam company who never rendered the services paid for. The credit card issuer issuer is CitiBank. On XX/XX/2018 I disputed the 3 charges ( all made on the same day by the same company. I still do not know why they insisted on breaking it into 3 charges instead of one, because the payment was for one contract for services. ). The disputes were acknowledged by Citi and given 3 different dispute numbers by them. They issued conditional credits. The basis of my dispute is that the services paid for were not received in whole or in part On XX/XX/XXXX they sent 3 letters through their system ( which they can send correspondence through, but I cant reply through ), and oddly all 3 letters were different, but basically saying the investigation was closed and credit reversed and advising I could submit further information by XX/XX/2018. I'll try to attach copies of these letters. No merchant provided documents or information was provided to me at any time. 

I did submit more information by XX/XX/XXXX ; a letter dated XX/XX/XXXX and attachments of dispute letters, merchant contract, written communications with merchant by me, copy of cash payments, copy of unidentified trucks, copy of unidentified driver picture. I'll also try to attach a copy of this. 

XX/XX/XXXX and XX/XX/XXXX I then received surprising letters from Citi saying basically the merchant didnt agree to a credit, therefore the investigation was again closed. However, I also noticed 2 of the 3 charges were again credited to my account, so I thought maybe this was in response to my letter of XX/XX/XXXX. However, I again received last week, an email from Citi saying there was a message in their system. This message said again that the matter was resolved because the merchant refused to give a credit, therefore my remedies would have to be pursued against the merchant separately. 

I am certain the merchant can not prove they rendered the services because they ceased to exist during the time period they could have done so, because their principals were indicted by the XX/XX/XXXX for their scam practices at that same time, because in fact they did not render the services and because we paid thousands of dollars in cash to others, not affiliated with XXXX XXXX XXXX, to eventually ransom our things out of the hands of strangers. 

To see if I missed anything, and because this process has been so mystifying, I live-chatted with Citi today before filing. They again reiterated that they consider their function to be simply to contact the merchant and get a response, " not just give a credit. '' They have never provided documents provided by the merchant nor said anything contended by the merchant other than they refuse to give a credit. The burden of proof has oddly been on me the whole time, and they never said I did not prove my dispute, just that the merchant refused to give a credit. I am completely confused by this process ; how disputing a credit card charge became just the card issuer asking the merchant if they want to give a credit or not?!
LTD Financial Services is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever have signed ANY document, agreement, or application with them. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.
On XXXX/XXXX/XXXX, I requested a free quote from XXXX for a personal loan. I provided my information. I was notified by TransUnion that XXXX had requested my credit report without my knowledge. I called into XXXX Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from XXXX calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. XXXX has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. XXXX has failed to correct this error. This is a violation under the Fair Credit Reporting Act.
Equifax has placed a block on my credit report making it unavailable for verification. I have faxed over and mailed my State ID and Social Security number and it has still not been fixed.
I was sued by Pressler and Pressler after telling them over and over again that the dept was not mine. They did not care and said I had to pay it regardless. I have n't known what to do about this until I read about their attorney review practices. I am most certain the lawsuit against me was illegal, yet I am now making payments on a debt that is not mine.
Account number:XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Since Navient became the service company for some Sallie Mae loans, I have had nothing but wrongful handling of my loans. Over the last few years, I have been told I no longer qualify for forbearance or in-school deferment on any sort. I did qualify for a hardship 1 % interest rate reduction program that I was told depends on my financial statement and income driven. The last two times I agreed to the program, I was paying 1 % of interest only, which was $ XXXX/mo. and today I reapplied was suddenly was given a 2.75 % rate for the same program, leaving me with $ XXXX/mo., which I explained I will have no way of paying. I tried to ask for some understanding that those loans were signed 16 years ago and that this payment is absolutely insane even at their suggested reduced rate. I was only told that I should have understood terms and conditions of those loans as a responsible adult. 

I spoke to a supervisor, then manager and was denied a document that explains how their system calculates the new 2.75 % rate reduction rate and was told it is NOT income driven but merely a courtesy program for those in hardship. Neither the supervisor nor the manage were able to further explain why I no longer qualify for the 1 % interest payment. I was quickly reminded of my large sum obligation and told the next step would be to remind my co-signers of their obligation as well. 

I asked for a written explanation of the program and was denied the request, again being reminded of my debt. 

My first complaint is that there is no explanation of changes to the rate reduction program and refused a written document. My second complaint is that the terms I agreed to over the phone recording always state that the rate reduction payment does not rid any additional interest accrued, making it very clear that any interest I would have paid with a pull interest only payment, would be added to the total balance of the entire loan regardless. I understand that the reduction plan of 2.75 % /mo. only keeps me from being delinquent, but does not actually narrow any of the original interest built and piles additional interest on top of the original interest to the total sum of the loan. But why, they can not explain, just say that " this is a courtesy plan and interest is stackable, which you agreed to ... ''
XXXX used XXXX XXXX to push out a forebearance on my loan where I did n't have to pay back, as a " courtesy '' for 3 months. They did this automatically without opt-in. 

On it 's own, that is just a minor annoyance. They then removed the autodraft that was in my account and responsible for automatically paying my loan every month. So, when the 3 months is up and if by chance I had n't seen their by-mail notice ( which could be worse if we were n't able to get mail in a relative amount of time XXXX, I would face a non-payment penalty. 

On top of all of this, they do not allow you to add your AutoDraft back online -- you have to call them in order to re-instate it ( for something I never asked for to begin with ). 

This is, undoubtedly, taking advantage of people with other things on their mind like getting their homes back to normal after a damaging category 5 hurricane.
XXXX XXXX sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.
On XXXX XXXX 2017. I noticed that my checking account was a withdrawn for {$500.00} and I called Chase to make a claim at their fraud dept. i 10min I had the money back in my account in a month later they took it back. I was asked to make a police report so then they can have permission to call the company that owns those machines and to see the camara..I did it, I also was given a fax number where to send it..I did it. I faxed it 5 times they claimed never go it..I send it via regular mail certified and return receipt then they got it..soon after that, they told me that was going to take 30 days to get an answer in fact, I got a letter in the mail saying my case was closed they were not going to return my money due to their own conclusions, I called again, to follow up on that letter and I was given another number to call that is a support dept. and they said go to the police dept and give them this number so we can help..I go to the police dept and I told them this and they said we do n't need to talk to them they have to do their own investigation at that point i was given a detective phone #, I gave him a call he returned my call I explain to him the whole situation and he told me that they were giving me the rounds they should be responsible for situations like to do their own investigation ... but chase has closed my case and they said there is nothing they can do ..I, as a victim I was told to do left and right so I found very unpleasant false statements in their part every body and every dept are trained to lie lie lie at the end of the day I lose. I lost my {$500.00} I spent for certified mail, I spent time on the phone, running to the police dept, calling a first assigned detective, then a second one, so at the end of the day they 're done denying the case. I was put in a huge stress situation that I do n't  appreciate a bit of it. thanks to their lies.
Repeated phone calls at home and work, for a debt that I do not owe. Threatening to sue me. I have researched this company, and they have numerous complaints from other people. I believe this company is committing fraud and should be investigated. I am demanding that they cease all attempts to contact me, or else I may have to pursure legal action.
I have XXXX loans that I have had since XX/XX/2006 through AES..I have been making payments since XX/XX/2006 ... I have put them in deferment for XXXX months a couple of times but outside of that I have made faithful payments ... .but it 's over XXXX years later and I owe XXXX times the amount now than I originally started with ... I do not understand how..and I have found several other complaints online about this company with people saying the same thing as me and I just want some relief ... .there seems to be no end in sight with this company and I just feel that something needs to be investigated ... please help