WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX XXXX XXXX XXXX XXXX. I am a gun owner. My personal bank, the Bank of America ( BoA ), is discriminating against me as a law abiding gun owner. 

Bank of America is using their enormous market power to discriminate against customers, like me, based on lawful firearm-related business activities.
On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX. XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
My name is    XXXX   XXXX    and   XXXX   XXXX   XXXX   Is trying to collect the amount owed of {$1300.00}. I have never disputed owing the money however.   This collection agency has taken over the  Capital one  account. In    XXXX   XXXX  .  They were told my father passed away. I told them I lost my house do to my father 's reverse mortgage. Lost my business. and was unable to pay. they put me on a debt forgiveness due to hardship and did a charge off and hit my credit. which is fine. but now they are trying to restart an old debt. Which I do not feel is fair. I 'm am tired of the constant harassment by this fraud company. And I want it stopped immediately! I am not working so there is no way possible I can pay it back.They will get nothing.
Repeated calls from different numbers and leaving voice mails. Also had details from my current credit report. I did not authorize a credit search.
XXXX XXXX won't send me my phone. I believe its being accessed by someone unauthorized. And then won't sent any information about it
I contact Experian previously by phone to have personal info such as old/inaccurate addresses, inaccurate addresses, old phone numbers, and inaccurate aliases removed from credit report. The agent I originally spoke with refused to correct the information and was rude and unprofessional. By FCRA laws, any and all inaccurate information is to be removed and updated. Since I was told I needed to file a dispute of old/inaccurate information. I disputed the information online but they still have refused to remove the incorrect information. I am very upset that they will not remove inaccurate information.
On XX/XX/2018. I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The total balance shown {$3100.00} for XXXX XXXX. This is a fraudulent account opened in my name. I never have any service or associates with XXXX XXXX. On XX/XX/2018. I called XXXX 's fraud alert line and reported the fraud concerns, however, the customer service told me that there was an account opened under my name, however, she could not access my information because the account already sold to XXXX XXXX XXXX XXXX XXXX. She said she can not help me and told me to call the debt collection agency instead. 


Below is the body notice of the notice that sent to me : Dear ( my name ) : This notice is being sent to you by a collection agency. The records of XXXX XXXX XXXX XXXX XXXX show that your account has a past due balance of XXXX Our client has advised us that they are willing to satisfy your account for 35 % of your total balance. The full amount must be received in your office by an agreed upon date. If you are interesting in taking advantage of this opportunity, call our office within 60 days of this letter. Your reduced balance amount would be {$1000.00}. Event if you are unable to take advantage of this opportunity, please contact our office to see that terms can be worked out on your account. We are not required to make this arrangement to you in the future. 

Sincerely, XXXX XXXX, XXXX
Fraudulent accounts/ XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX bank XXXX/XXXX/XXXX, Fraudulent inquiries, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX r & XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, tXXXX XXXX XXXX XXXX XXXX XXXX,
On XX/XX/XXXX I submitted disputes to XXXX, Experian, and XXXX. XXXX responded with stating an investigation was started but never followed up with the investigation results, no response from XXXX or Experian. On XX/XX/XXXX I  resubmitted disputes to all three agencies with the same response from XXXX   and a response this time from Experian saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...
I received a call from XXXX asking for my husband. When I advised her that this was not his phone number, she asked that I take a message. She stated 'we have his social security number on important legal documents in our office, and we need to talk to him immediately '. When asked what number he can call back on, she provided XXXX. 

I at this point asked what company she was with, she said 'why would I tell you that? your not who I need to talk to '. 
I advised her that he is my husband. She proceeded to yell at me, asking why I did n't tell her that in the XXXX place. She said, I made it clear this was urgent, so why did n't you tell me he was your husband? She was extremely rude and unprofessional. 

She verified she was with D2 Management and her name was XXXX XXXX with no extension. 

I told her that I would relay the message to my husband, and if he chooses to do so, he will follow up. 

She threatened us, and said ' well, he should call, we have his full social security number ' or something along those lines. I was extremely furious after he tone and behavior, I ended the call.
I recently had a beauty product company to take money from my banking account. Regions has not been instrumental in being able to assist me retrieving my funds. I have been a consumer with Regions for over 30 years. 
I feel like the lack of service has been un- acceptable.
I obtained a copy of personal credit report on XX/XX/2018 from both credit bureaus XXXX  and Equifax. I noticed that some of my student loans through XXXX XXXX XXXX was on my report twice on Equifax. I wrote a letter asking them to verify and delete all double reporting that has had a great impact on my credit score because it made my debt well over {$160000.00}. Equifax investigated this claim. many accounts were taken off. Then when they sent my credit report I noticed that some of my accounts from XXXX XXXX XXXX was deleted that were still in good standing. As of XX/XX/XXXX both credit report reported that my student loans were included in an active Chapter XXXX, and or XXXX. I have submitted several documents that have proved that my loans were in fact in a forbearance never late. On XX/XX/2018 I was notified from XXXX XXXX XXXX that my consolidation was approved and what my payments will be. The loans on the XXXX report went into  paid/closed status. The late payment for XX/XX/2018 was never removed and I never recovered my points back.
I attended a financial aid meeting with a friend at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX, XXXX, PA XXXX. My friend was told that he would not need any private student loans because he would receive grants and federal student loans. I was asked to give my information to be used as a reference only. I did not question why my social security number was needed. I was added to a loan application as a cosigner without my knowledge or permission. All documents were signed electronically so I can not dispute my signature. The school applied for XXXX loans with my information. The XXXX loan was denied. The XXXX and the XXXX loan were approved. The school representative requested XXXX for one of the loans and XXXX for another loan. Those amounts were very high and again not necessary due to the PA state grants and federal loans my friend would receive. At the end of the day I am on the hook for over XXXX in private loans. I have battling back and forth with Navient formally XXXX XXXX about these accounts. Despite the charge offs I have a credit score in the XXXX. I was taught about credit at a young age and I would never have cosigned for a loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX closed its doors in 2012 making it impossible for me to dispute any claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX has been named in a class action lawsuit for fraudlent behavior and I feel that I am one of their victims. The loan was charged off of XXXX XXXX 's books years ago. I contacted XXXX XXXX XXXX the collection agency for XXXX XXXX and they were unable to send me information on the loan. I learned of the loan being handled by Navient by looking at my credit report. I contacted Navient and I was told by a Navient representative to dispute it through the FCC.
XXXX XXXX is reporting that I hold a balance of {$110.00}, as of XX/XX/2016 I have a XXXX ( {$0.00} ) balance with this company. I have reached out to them several times to have this item corrected and removed from my credit report. They have not done any such thing.
On XX/XX/2018 I sent XXXX XXXX or XXXX {$650.00} on XXXX in exchange for a purse in which she has not replied therefore I was scammed. I called my bank XXXX in hopes of it being resolved however they are unable to help seeing as though it was authorized
took out a personal loan with speedy cash in   XX/XX/XXXX  in the  amount of  XXXX  paid it of o n  XX/XX/XXXX ..and my  pay off  XXXX  payments were taken out twice a month at  XXXX  dollars i paid over  XXXX  dollars just to pay if  XXXX  dollars less of what i borrowed
Forster and Garbus, located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX has been paid in full by me and refuses toforward to me, the letter of satisfaction stating that they were paid infull. Forster and Garbus bought the debt from XXXX and filed a judgment in the with XXXX County Court that states as non satisfied debt paid. I have left Forster and Garbus several voice mails giving them the change of address to send the letter of satisfaction and I have received no response. My new address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The previous address was XXXX XXXX XXXX, XXXX, NY XXXX. I want a letter of satisfaction sent to my home or please advise me on what the next steps to take to have them send what I need. In addition, much of the debt on the XXXX credit card was charged when I resided in the state of XXXX prior to returning to XXXX. They, Forster and Garbus had knowledge of that.
Follow up is needed for CFPB case # XXXX - XXXX, Capital One Complaint ( CapOne Case # XXXX ) After review of the credit card application and all statements for the credit card opened fraudulently in the name of my fathe, additional information is needed as follows : ALL documentation related to the following charges that follow : XXXX XXXX -- XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX My father was the victim of XXXX ABUSE and details on these charges are needed for a legal action underway. 
Please note that the Capital One letter I received in response to the CPFB request is insulting. It claims they needed additional information. This is a lie. 
Numerous letters and emails to CapOne included the same request ; I provided not addti additional information to CapOne. They continue to victimize victims. Shame on them!
They would call XXXX times a day plus weekends and hang up when the answering machine comes on. If I answer, there would be no one there or a person you ca n't understand.
I  am requesting the removal of one Bankruptcy ( below ) on my  XXXX , TransUnion and   XXXX    credit report ( s ) d ue to Civil Case No.  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   v.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible.     Bankruptc y Ref.  #  XXXX
I 've noticed a address on my credit report that does n't belong to me nor have I ever lived at.
In or around XX/XX/2015 I purchased an enclosed trailer financed through lendmark financial services in XXXX XXXX Virginia. I was paying the loan down and the manager began calling me several times a day advising I was preapproved for a XXXX  loan just in time for XXXX of XXXX in addition to the secured loan on the trailer. Days went by and she continued to call. She said shed give me the title to the trailer if I took the personal loan. I paid for 3 years every month. After determining they essentially turned my lower interest secured loan into a high interest personal loan the amount never really went down. I feel their marketing was predatory. I hadnt asked for the loan didnt call back about this loan they were hounding me about. I didnt realize what had occurred and how they changed the structure of the loan. They then, despite giving them my new address via email and via over the phone and each time a payment was made they served me with a warrant in debt which I was unaware of. I found out when they garnished my wages and I had told them not to retain my payment and bank account information. I stopped making payments following an accident for which I now have permanent restrictions and am filing XXXX. I am unable to make the payments and stopped and have spoken to a lawyer about filing bankruptcy. Money in my account is all unemployment and or workers comp exempt from garnishment.
PayPay opened a line of credit in my name without my authorization or without notifying me. I only found out when I received a bill via email for a charge that I didn't make. I don't use Paypal, I opened an account in about 2011 and never used it. I certainly never authorized a line of credit and never accrued this charge ( especially considering the fact that I have no idea how to log in ). I reported the false charge to PayPal in early XX/XX/XXXX  and reported that I never authorized the line of credit. They said that they would look into the charge. The next month I received another bill, this time for a higher amount. I called PayPal again in XX/XX/XXXX and again reported the false charge and the unauthorized account. Again, they have done nothing. Now, in XX/XX/XXXX, I just received another bill for a higher amount. I have tried to resolve this multiple times, but PayPal, despite creating an illegal credit line without authorization has refused to resolve this issue. I am not paying for a fraudulent charge on a line of credit that I never authorized and that was illegally created.
I was offered a job with an affiliate company and my credit was run. On the report there were XXXX cases in the XXXX court where I live with a name that is similar to mine, case numbers XXXX and XXXX for " XXXX XXXX '' that appear to be credit charge offs. Both are not associated with my Social Security. Hireright reported this event as being my cases, with out any disclaimer that they only searched the first and last name and did n't verify that is was not for me. I am in the cusp of not getting an offer now and have lost credibility and standing in my role as Head Of Compliance. I also have not been given a copy of the report that has adverse information on me, which makes it difficult to correct. I called the company who is suing the person with a similar name and was n't given information, and refuses to write a letter to me because the SS is different.
Experian is reporting that I was 30 days late on my XXXX XXXX credit card payment in XX/XX/XXXX. 

XXXX Account Number : XXXX I have no recollection of ever being late so I disputed this and asked for an investigation to validate the item. The original request was sent on XX/XX/XXXX and was verified without providing me the proof I was requesting. I sent a follow-up letter on XX/XX/XXXX again requesting evidence to support their claim. This request was also ignored by Experian. This record of a late payment is the only thing negative on my entire credit file and it is causing me distress and anguish.
After moving over XXXX XXXX XXXX my then fiance, wife, now ex-wife and i consumed over {$50000.00} in debt. It has all fallen on me and i have no idea how to get out of this financial whole, need help!
On XX/XX/2017, XXXX XXXX XXXX  offered financing through Green Sky. I filled out the credit application on their tablet. In less than 22 hours, " XXXX '' was connected to my gmail account IP XXXX and a new device was signed on from XXXX  XXXX, XXXX IP XXXX. Then two remote account were added to my XXXX XXXX checking account " XXXX '' connected to a XXXX XXXX XXXX account   and " XXXX '' connected to a XXXX XXXX XXXX  account, that were not mine. From XX/XX/XXXX-XX/XX/XXXX there were 33 unauthorized transactions from my savings, checking, and two attached accounts that belonged to my father and daughter. Thousands of dollars were stolen out of my account and moved into the XXXX  XXXX XXXX and XXXX XXXX XXXX accounts. They logged into the Green Sky account, which is where I believe this hacker got in. ( There may be a connection to XXXX  breach was mid XX/XX/XXXX - XX/XX/2017. ) There were also searches using my XXXX, XXXX and XXXX XXXX. The hacker watched videos that appear to be in XXXX, for example about Admiral XXXX XXXX and Prince XXXX, Commander XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX and Emperor XXXX XXXX XXXX XXXX XXXX.
i have been trying for 2years to make payments with XXXX XXXX and i just keep getting the run around i have had my taxes taken garnishment and i have made payments you never get the same response when u talk with someone these companies are jusr ripping people off when a consumer is trying to do the right thing i wanted to reach out to other companies to help with my student but who do u trust as a consumers it seems as if all these companies are fraudulent
On XX/XX/XXXX @ XXXX I XXXX XXXX called XXXX, XXXX in response of my dispute, the letter read we received your dispute and need additional information and to respond in a timely manner. I spoke with a woman who told me that some accounts were not in dispute and I told her that all of the accounts in the office because I never received validation within the time allowed. I told the rep what I wanted and asked her name she refused and put me on hold for a long time then hung up..
As of Tuesday, XXXX XXXX, 2017, Equifax is still reporting a debt of {$100.00} to XXXX for XXXX 

REASON FOR DISPUTE : Balance is incorrect ( needs to be updated ). This record contains multiple inaccuracies purposely known and reported by XXXX
I graduated from XXXX school in XX/XX/2007, In debt with a student loan to the amount of about {$19000.00} dollars. Jobless and making a little more than the minimum wage and with a car payment and no real future in the XXXX world i decided to go back to school. My loan went into forbearance, after a couple of years of that i started to make payments on my loan that now was at over {$25000.00} dollars I could not afford the {$390.00} payments. So i stop paying after being harassed day and night i came to a payment plan by this time my loan was at {$30000.00}. I made monthly payments for over a year of {$250.00} a month but no matter what my loan does n't seem to be going down the opposite has happened it continue to get bigger. I am at {$33000.00} and have been out of the program to repay it because i do n't qualify for it any longer, but i still cant afford the payments and with a variable rate that is at its highest at 8 %. I cant afford the payments I 've tried to work with them but i do n't qualify for any program and even if i sent any kind of payment my loan seems to be going up because of the high interest rate. The worst part is the school has since I 've graduated now been closed down and does n't even exist and my {$19000.00} loan is now over {$30000.00} and I feel like I am drowning and i have no life vest. i have tried to set up some kind of payment plan but I just cant get to make anything work for me. I attend XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. On top of that i did n't understand the difference between a Federal loan and a Private loan and now i am stuck with a private loan.
I reported my Lowe 's Advantage card lost and the account was closed on XX/XX/2017. No purchases was made on the card, as it was never activated. A new card was issued on XX/XX/2017. The closed account is being reported on my credit report by the credit reporting agencies. I contact XXXX XXXX asking them to remove the closed account from my credit report, as I never authorized such by contract or otherwise. A representative informed me that they would contact the agencies to removed the information from my report. I received a letter from XXXX XXXX that the account may stay on the Credit Bureau for 2 years. Without Prejudice
My prepaid XXXX ( managed by US Bank ) card was part of a data theft on XX/XX/XXXX and was turned off. They sent a replacement to an address I no longer live at and I had to wait 10 days until I could get a new replacement. Ever since, no matter what address I give them the card does not show up. I've asked them to send it via a trackable method, but they want to charge me for that. I feel like they are illegally withholding the funds on my account.
On XX/XX/2018, we received a " Notice of Sheriff Sale '' from : Attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. He is fully aware of the procedural posture of the case involving this property which is currently on appeal to the United States Court of Appeals for the XXXXXXXX Circuit, XXXX XXXX XXXX, et al., v. XXXX XXXX XXXX, No. XXXX. He is also aware of U.S. District Court, XXXX District of Indiana, Chief Judge XXXX 's statement on the record with regard to staying any effort to hold a Sheriff sale pending the litigation of this case, briefing has begun. XXXX XXXX 's racial bias is a subject of this appeal. An appeal we note neither he or his firm have entered an appearance, or filed any motion seeking to hold a sheriff sale pending the outcome of the appeal. This litigation involves a claim that XXXX XXXX XXXX violated the Equal Credit Opportunity Act after we sought to assume the mortgage on this property, which after Attorney XXXX discovered we are XXXX, hindered our efforts to obtain the assumption. This latest effort by Attorney XXXX also violates the Fair Debt Collection Practices Act by threatening a Sheriff sale forcing us to pay a debt we do not owe ( and which we have been trying to assume ) before litigation, on appeal is concluded. He and his client XXXX XXXX XXXX, are attempting to deny our access to the court to litigate this matter by threatening a Sheriff sale.