WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : Equifax, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
PayPal " limited '' my account so that I can not withdraw or transfer the funds in the account. They asked me to upload a copy of my passport, my state ID card, my social security card, and to change my password. I did all of these steps right away. However, they refused to take away the account limitation, as they said I uploaded two passports : a XXXX  and American passport. This is a lie, as I do not have a XXXX  passport, did not upload one, and do not see any record of a copy of one having been uploaded in my account. Now, PayPal has frozen my account for 180 days and I can not access the money, although I have offered to supply additional or alternative documentation of my identity.
in the state of Nebraska, XXXX county XX/XX/XXXX, I was sued by Brumbaugh a & quandahl for a debt for a creditor XXXX ( which was sued for illegal debt collection practices ), which they represented. the file number at their office is XXXX. I was unable to pay the debt until XX/XX/XXXX. I contacted their office and they said that they do not have anything to do with this account and told me to send the court in Nebraska the money owed and since they are not associated with this account, they would have to return the negotiable item ( s ) I sent them, which were checks for XXXX and XXXX the full balance XXXX, according to the XXXX county clerk office. I sent the court the checks as instructed and the XXXX county court verified they received them. however I never received the original checks I sent them or anyother form of reimbursement. I received a notice from the firm dated XX/XX/XXXX stating they now wish to settle this amount after they were supposed to send me my original checks back. I contacted their office in XX/XX/XXXX to ask where were the funds that I sent them to resolved this matter and they stated that they returned them to me, but I never received anything. Since I did not trust them, I stopped payment on the check on XX/XX/XXXX. i do not owe this amount anymore and their tactics should constitute a an illegal practice violation
To whom it may concern, I 'm being improperly sent to a collections department by XXXX in regards to a case that dates back to 2012. I have sent numerous E-mails and placed numerous phone calls to XXXX with no response or resolution with my concerns. The issue at hand is that they are attempting to charge me over {$800.00} for a phone that was under warranty and sent back to them. As I refused to pay their felonious charges they sent me to collections. I successuflly had the first XXXX or XXXX collection companies removed from my credit as I contested their collections and stated my case to the various credit agencies. Low and behold the account has been sent to another collections company. I never received anything in writing from the new collections company and only found out when I applied for a refinance on my mortgage. The collection agency is Enhanced Recovery Company and has numerous complaints against them for similar tactics. A simple google search of their company and XXXX will find that there are numerous other people who have experienced the same issues that I have.
Calls have been everyday for 3 weeks. Sometimes it's one call, sometimes it is 3 calls. I have emailed them repeatedly explaining my financial hardship. They refuse to work with me. They leave no messages. Return no emails.

This is PayPal Credit Services.
Social Security is allowing XXXX ( a collection agency ) to garnish my XXXX {$260.00} every month
Good evening, I pulled my report on XXXX XXXX saw a collection from Convergant Outsourcing For a suppose debt of {$1100.00}, I send them a letter to ask for validation of debt with signature to see if there was a signature belonging to me never heard from them nor it was marked disputed in my credit, then in XXXX XXXX, send them a certified mail witch I have signature prove that they receive it on XXXX XXXX sign by a XXXX XXXX they have never sent me any validation of debt, it was marked disputed on credit, then today I happen to get a notification from my credit that something updated and sure enough was the same company marking that suppose debt as unpaid, why they going mark it as unpaid when there is an investigation going on, and 30 days has n't pass for them to mark it from disputed to unpaid.
I contacted LJ Ross Associates on XX/XX/18 at XXXX to inquire about when they would stop reporting on my credit report for a debt profile in the amount of {$1100.00} that was RETRACTED from their company by the original creditor XXXX XXXX on XX/XX/18. They told me that even though XXXX XXXX now has the debt and Im paying XXXX XXXX directly they will still report on my credit report because they can. LJ Ross Associates is actively reporting on a debt that is no longer under their ownership/management and they are double reporting. That makes TWO FCRA violations they are actively participating in. This is an act of malice on their behalf. I spoke directly to XXXX XXXX on XX/XX/18 at XXXX after speaking to the representative at LJ Ross Associates , and XXXX XXXX confirmed for me that they contacted LJ Ross Associates and retracted my debt profile from them. It has been 30 days and LJ Ross is still refusing to delete their entry from my credit report. They have received proper notification and had ample time to do what is lawfully required of them and they have refused!!!!!!!!!!
I deposited  XXXX  into my account and did a couple of transfers which i am allo wed 6  transfers with money market account and unlimited with checking so i had an external account linked with my checking account and i made a transfer from discover bank to  XXXX   XXXX   XXXX   and discover stopped my transfer in the amount of  XXXX  and asked me why did i transfer it after i deposited the funds in their bank, i told them i 'm allowed to transfer my money anywhere i like so they then said they are closing my account and the transfer was completed but they still managed to stop it then they said the funds were fraud and t hat 3 banks w ere asking for the funds back which is not true bacause the banks they named i do n't even bank with period.The funds came from  one ba nk only and when i asked why are they accusing me because i made a transfer they said i can not have my funds and it was being closed for fraud, my bank tried to recover the funds and wa s denied.My fund s are still at discover and i want them.They also said send in proof of identity and i did still they are keeping my money while it is gaining interest .They kept telling lies saying   XXXX   XXXX  ,  XXXX , and  XXXX  were asking the funds back, they came from  XXXX  and they should have sent it back to them but they wo n't they said for me to tell  XXXX  to do an indem but if the bank was asking for the funds back due to fraud why would n't they give them to the bank, it 's because that is not true and they are trying to keep my money it 's been since  XXXX  the  XXXX  that they have had my funds and i am still able to check it but not able to get the funds because the account is froze and suppose to b e closed.This disc over bank lies and gains money off of customers money.I did not do any fraud and i need my funds.Their customer service make false statements and are very rude.They also get angry when you transfer your money out.
The following debt is over 7 years old. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. 

The last activity with both debt were XXXX2010. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.
Wells Fargo lies and continues to assert that I 'm not listed in XXXX. I reviewed again my report I have offered evidence as such and identity theft and yet they still do nothing. They do n't value my XXXX year relationship nor the 40k I 've deposited since XXXX. I 'm switching banks Asap if this is n't rectified. Contact XXXX you own them they will not do anything when I contsxf them saying you told them to keep it on file. Bait and switch, lying to the government and me too. Normal Wells Fargo XXXX.
Re : Your letter dated XXXX, in reply to written complaint on XXXX account XXXX This is continuation of my formal written complaint. I initiated my complaint via a letter to Wells Fargo Bank ( WFB ) dated XXXX, and a personal visit to VP XXXX XXXX on XXXX. ( Note : in future correspondence, please refrain from describing my formal written complaint as an 'inquiry ', a 'concern ', or 'important comments ' ). 
I found your latest letter to be unresponsive to my complaint. Your letter indicates you found no error on your part and would be making no adjustments to my account. My research clearly shows there are, in fact, substantive errors. 
As to the first of your XXXX errors, you are failing to abide by your own Prime Equity Line of Credit Agreement & Disclosure Statement ( " Disclosure '' ). My monthly account statements clearly show that what you calculated to be the interest component of my required, on-cycle {$50.00} minimum payment to be less than {$50.00} ; this occurred on my monthly statements from XXXX to XXXX. However, these same monthly account statements clearly show WFB took my entire {$50.00} payment into interest, in contravention to the payment allocation methodology you describe in your XXXX letter and in non-compliance with your Disclosure. My research shows the error results in Finance Charge overcharges, and an understated Annual Percentage Rate ( " APR '' ) for this account. I suspect your error may adversely affect many thousands of your similarly situated customers. 
As to the second of your XXXX errors, you again are failing to abide by your own Disclosure. In my using your BillPay functionality ( a service which you heavily marketed to me via email advertisements ) to remit off-cycle principal-only payments, your system inappropriately assessed an interest component. You acknowledge this shortcoming of your BillPay system in your XXXX letter, yet refuse to make necessary adjustments to my account ; rather you direct me to use alternate methods to remit my payments ( which flies in the face of how you marketed your BillPay system ; WFB disclosed no such limitations to me when I signed up for the service ). This error occurred on my XXXX and XXXX monthly statements ; my research shows this error results in Finance Charge overcharges, and an understated APR for this account. I suspect your error may adversely affect many thousands of your similarly situated customers.
Equifax had a data breach for 143 million citizens and the breach includes SS #. They offer a year of credit protection for damage that may last a decade and force me to arbitrate to participate in their credit protection. Furthermore, this breach was known for months before it was disclosed to the public. Allowing potential fraud on my accounts to go unfettered and I have no recourse. Meanwhile, executives sold stock before revealing the known intrusions. Since federal gov't also uses Equifax, privacy violations are also a violation of my constitutional right to privacy.
XXXX XXXX XXXX
For the past 6 years my mortgage payment including escrow has fluctuated between {$1200.00} and {$1400.00}. My most recent statement from Nationstar mortgage states they are raising my payment to {$2200.00} ( we have a fixed rate ), and I have a {$6500.00} escrow shortfall. How can a mortgage company justify such a huge increase, we borrowed the amount we did because that is what we can afford, now they are trying to charge us an amount that would be sufficient for a $ XXXX house when we only borrowed $ XXXX, this is almost double and highly impractical. I do feel that both our mortgage company and home insurance company are practicing predatory lending and unfair charges. I would like to have both companies contacted ( which I 've done ) to find out how they justify these extreme price/payment increases. Below is what I 've sent to the mortgage company already. 

How do you end up with a shortage of {$6500.00}, when that is the yearly total of my insurance and property tax? There is definitely something fishy with your estimation and payments of my ins. and tax. For instance my insurance is due once a year for a total of {$5100.00}, which you paid in XX/XX/XXXX or XX/XX/XXXX, and my property taxes barely exceed {$2000.00} for the year. If you paid these already there is no way I 'm that far in the whole. Secondly, how do you expect a borrower to just come up with {$6600.00}? And charging {$1200.00} a month for escrow is insane on a mortgage that is barely $ XXXX. You have definitely made an error somewhere and you need to recalculate. I 'm going to write the FCC and any and all other governmental agencies that monitor Mortgage lenders and protect borrowers from predatory lending as this is not fair at all. You may also want to consider contacting my insurance as they mistakenly billed again the {$5100.00} in XX/XX/XXXX or XX/XX/XXXX which I called them on and they reversed as it was paid in XX/XX/XXXX or XX/XX/XXXX, if you paid that twice that would explain the shortfall and that should not be passed on to my wife and I in such an extreme matter as you are doing. Either Nationstar or XXXX need to improve the payable & recieveable departments or both!
I have previously submitted a complaint about a private loan taken out by XXXX XXXX XXXX ( a loan which is now held by University Accounting Services, LLC ). As the procurer of this loan, under the class action suit that was filed on XXXX XXXX, 2014, I am entitled to certain benefits according to the settlement offered in this case. I have not received any information regarding this and when I attempt to contact the loan servicer, the only information I receive is that since it is a private loan I am not entitled to " loan forgiveness '' under Borrower Defence.
After sending several certified letters that have been ignored by the credit bureau. I have send letters of disputed alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST {$1000.00} + PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION LEGALLY A CONSUMER COMPLIANT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM for the following late 1.XXXX XXXX-several late/missed payments 2XXXX XXXX-several late/missed payments
I have a {$5.00} charge on my XXXX. This was made by PAYPal. I do not have a PAYPAL ACCOUNT AND NEVER HAVE had one. I have tried to contact paypal but they wont me to login to my account, I cant do that because I dont have a PAYPAL account. If someone opened a account in my name they could take all the funds from my visa green dot card. Can you help?
I have been with PNC Bank for a few years and have never had a complaint until now. PNC has always worked with me to resolve issues that I have had in the past and we always came to a successful resolution. However, On XX/XX/XXXX, PNC allowed a XXXX debit card purchase to come through my account which was not supposed to happen because my account had insufficient funds at that time. I opted out of the overdraft protection for that purpose so that if I did n't have enough money to cover a charge it would n't come through. On XX/XX/XXXX I called PNC to discuss why that happened and the agent could n't tell me why, she just said it should n't have happened and that it was labeled as a recurring charge which is not true because it was a XXXX  charge and it 's not something that is recurring from week-to-week or month-to-month. Because if I choose to use the post office instead of XXXX then XXXX ca n't charge me anything. When i contacted PNC on XX/XX/XXXX, although they said they couldnt refund the transaction amount, they did refund my over draft fee that was cause by the transaction ... Now my problem is I 'm being charged {$7.00} per day continuous overdraft even though the charge that came through on XX/XX/XXXX should n't have ever come through. Which is causing my account to become further and further and further overdrafted. And when I contacted PNC they stated that debit card transactions will be rejected if you do n't have enough money in your account ... But now it seems like if it 's labeled as a recurring charge then they will allow it to come through even if it 's your debit card and you do n't have enough money in your account. Who made the determination that this merchant has a recurring charge associated with my bank account ... this is a XXXX shipping account and the amounts due from one month to the next can be different. Whatever I ship that 's was charged If I decided to use them at all ... this is not a revolving credit account ... For the life of me I ca n't understand why Banks look at every possible way that they can find to continue to charge consumers money for things that are beyond the consumers control. And its only hurting the consumers. Because at the end of the day if the bank policy is to not honor a debit card transaction if you have insufficient funds then the bank should stick to that policy especially when the consumer opted out of overdraft protection for the purpose of avoiding this problem. But now it seems that banks are relabeling these transactions just to allow the charge to come through so that they can guarantee excess money from the consumers which is a red flag as far as I 'm concerned.. So in the end it apparently really does n't matter if you opt out of overdraft protection or not because since the government Forced Banks to allow consumers to opt in or out of overdraft protection, I 've been with a few Banks over the years and all of them look for every reason to allow the transactions to come through anyway to justify these fees ....
A law needs to be passed where the collections agencies supply invoices to consumers that are on payment plans. Debt collection agencies are taking advantage of consumers that are trying earnestly and honestly to respectfully pay what they owe. 

Is there a law in place where debt collection agencies, credit card companies, and banks should supply a consumer with an invoice monthly or at least quarterly as to what the interest is accruing on that payment plan? And most importantly when payment plans are established how are these companies able to take your payment and apply it all to the interest that is accruing since your payment plan payments are lower than the original contract or credit card payments. 

The payment should be going towards the debt itself or at least half of it should be applied the debt and half towards the interest. When no laws or terms are set in place as stated above the consumers are stuck with the dilemma of being taken advantage of and abused into paying way more than whats sent to collect. 

If a consumer defaulted on an account and couldnt pay, how in the world could they pay on a payment plan that is being charged monthly and or yearly interest and most importantly when they dont even know how that interest is being compounded if the agency or bank never sends you any receipts or invoices of payments received. The consumer doesnt know until he or she happen to call and inquire about the account balance. 

Why isnt the law carried over like with a regular loan or credit card account that sends monthly invoices so the consumer as to payments received, so they will know whats going on with the account? Debt collectors so send invoices of any kind unless requested and this is wrong. 

Debt payment plans/agreements of this kind are sure signs of being abused by price gaulging a consumers debt with unknown terms and how interest is being accrued. 

Why isnt there a law in place to protect consumers on this issue? We are being taken advantage of by debt collection firms, banks, and credit card agencies. A lot of the debt collections laws that are in place are cosmetic, protecting the surface. We need in depth laws put in place asap. 

Also see complaint # XXXX & XXXX, it was never resolved. Their response is not what the court drawn agreement says at all. NO NEED TO SEND TO NAVY FEDERAL, THIS IS A LEGAL, CFPB, AND OR FEDERAL TRADE COMMISSION ISSUE. I NEED LAW PROTECTING FACTS.
Fidelity Account Services called me on XX/XX/XXXX about an amount owed to a former college that I attended in XX/XX/XXXX/XX/XX/XXXX. I have never heard of this debt in fact I had received a refund when I withdrew. They sent me a barely readable form clearly showing my refund as well as an amount added for XX/XX/XXXX semester which I did not attend. i contacted the former college and they have no record of this being owed and show a refund given on my account. I do not know if this is a scam to collect money not owed.
XXXX XXXX called us about a credit card account inquiry last week. They didn't open it because it didn't seem right and they couldn't verify the information. We told them we didn't apply for a XXXX XXXX so they said they would remove the inquiry. They gave us a reference number XXXX. 

We called to ask when they would have it removed and they told us probably within 90 days. They sent us a letter with a reference number on it. Telling us to place a fraud alert on our report. Which we dont want to do because we are going to get a Business Loan and Mortgage right now. 

We have been bounced back from XXXX to Each Credit Bureau saying to call the other one etc. We just want this off her credit report asap.
I have send Equifax several letters disputing inquiries that I did not authorize. For the following companies : 1. XXXX-XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX. 
The last letter send certified with tracking number XXXX in which was received XXXX XXXX by Equifax and they have ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.