WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX there was a repo for a vehicle i purchased from BMW financial. I have contacted all 3 credit bureaus and alerted them that i have not made a payment to BMW since XX/XX/XXXX.  The 7th year that the vehicle should be removed from my credit is this XX/XX/XXXX. BMW placed my account in collections in XX/XX/XXXX for non payment then made false reports of payments in XX/XX/XXXX to  XX/XX/XXXX and in XX/XX/XXXX they placed it back in collections. They are trying to keep me in collections until XX/XX/XXXX which would be 12 years they would be on my credit report. 

The credit bureaus will not remove it until they say it has been in collections 7 years.. which it has..the economy crashed and i lost everything that year. Thank you.
USAA reported to the credit agencies that I still owe a balance on an account which had a settlement agreement to settle in full for less than the original balance.. I disputed the debt with the credit agencies and they told me that USAA verfied to them that I still owed them money. This is inaccurate. USAA has had phone conversations with me stating that they are allowed to report a balance on the account since the settlement offer was less than the full amount. This is inaccurate. They are required to update my report with a  XXXX  balance. They are not allowed to tell the  XXXX  credit agencies that I do still owe a balance when I in fact, do not.
My debit card was used fraudently. Over {$380.00} was used at a local XXXX. 
I called them and reported the activity. CSR filled out a fraud report. 
They mailed me out another debit card. Then blocked the debit card saying the fraud report was bogus. They also would not let me close the checking account. 
They refuse to remove from my credit report saying the dispute is too old. I should just just pay it.
I received a copy of my credit report and noticed that Experian was reporting  XXXX  tax liens. I then sent dispute letters to Experian to get verification of these tax liens that are showing on my credit report. I received letters back from Experian stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have t he right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien.     I have yet to receive this information
I attempted to send money to XXXX as I had several times before using the WESTERN UNION ( WU ) Online website. They suspended my use of the website ( XX/XX/XXXX ) without explanation or resolution. I was then forced to use a WU store agent to complete any further transaction. A store transfer ( XX/XX/XXXX ) was also cancelled after using that method several times, again, without reason being given, or any way to resolve the issue, of WHY the cancellation occurred. <P/> I again attempted to use the online site to transfer money internationally on XX/XX/XXXX, WU send me an email that said the transfer had been approved and was available for pick-up, but that too was cancelled on the same day.
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No one at WU will provide a good, or even ANY reason why they have terminated my use of their services, to a person known to me. I have attempted many time to solicite a reason from WU customer care representatives via the phone, and they cite " regulations ''. What regulations is a total mystery. I can not even get which Federal Reg. is being used to cancel my service requests. I have also emailed XXXX without replay, three times. If they require ID, or any other documentation from me to authorize transfers, they have NOT asked for it, nor have they indicated a method by which to resolve the issue. Oh, they did refund the money I attempted to send. I did not want the money refunded. I was sending it for a personal reason! This is absolutely an atrocious situation. In fact, cancelling my transactions is a violation of my Constitutional Rights, without having the case heard in a court of law.
I called Global Cash Card on XX/XX/2018 to check my balance and noticed my money was not available so i spoke to customer service and was advised of recent transactions in which i did not reconize 2 transactions for the total of XXXX I didnt understand how this was possible as i have the card in my possesion and I do not give out my pin #. The customer serive rep took a report and said someone will contact me. I recieved a letter onXX/XX/2018 from the dispute dept stating no error found. I called customer service once again and was advised to write a letter asking for records as to why or how tjey found no error so i did I recieved a response on XX/XX/2018 stating they finalized thier investigation and no error was found so once again i called customer service and was told there is nothing they can do the complaint was finalized.
On XX/XX/2017, I found an account start reporting on my credit report in the AR Resources Inc office. I faxed a letter requesting more information about account but 11 days I wake up to XXXX more accounts added on my credit report. I have no knowledge of these accounts and never received a dunning letter referencing any of the accounts. Here 's XXXX of XXXX accounts.
cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX  XXXX
I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Procollect Inc ) which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge, as a result of identity theft. After receiving this information via a certified, registered and tracked letter ( Procollect Inc ) continues to report the unknown fraudulent account ( s ) on my credit report ( s ). The account ( s ) are : XXXX ( {$680.00} ). ( Procollect Inc ) did not respond to my request either.
In the summer of XXXX, my wife and I received a collection notice from a company calling themselves AFNI attempting to collect a {$3800.00} debt that they claim was incurred with XXXX. The notice contained a demand letter, a return envelope and was written on official looking letterhead, giving an address of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

The notice contained an offer to immediately eliminate the debt if we paid {$1900.00} ( half ) the amount due. 

Additionally and around the time we received the letter, we began receiving collection phone calls to a number we use for messaging. These calls were received 24 hours a day and often times occurred more than a dozen times in a 24 hour period. 

Neither of us has ever had an account with XXXX, although one of us was the victim of identity theft in XXXX of XXXX. We immediately pulled our credit reports and there was no appearance of a bad or delinquent debt owed to anybody. In fact, our credit scores were remarkably good. Of note, however, was an enquiry made by XXXX during the period of theft, however no other mention of this phone carriers is or has been made since. 

We contacted XXXX directly and verified that neither of us had ever held an account with that carrier and that none was currently in existence. 

We further contacted, in succession and over a couple of months time, the local police agency, the attorney general 's office in our state and the FTC, who directed us here. 

Reviews on the internet suggest that this is a predatory company attempting to defraud people into paying them quick cash, as indicated by the inclusion of credit card logos and forms.
Collection company " Convergence '' called me at XXXX, XXXX and XXXX.
On XXXX/XXXX/2015 I submitted a consumer dispute to XXXX requesting them to conduct a reasonable investigation regarding a Bank of America credit card ( see attached ) account that appears on my credit file. I faxed ( see attached ) a copy of a police report with the dispute.. I am a victim of ID Theft. On XXXX/XXXX/2015, two ( 2 ) days later, I received the results of XXXX " reasonable investigation '' ( see attached ). I specifically stated on my dispute that I was a victim of ID theft to XXXX. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
XXXX XXXX XXXX was found to be charging an annual charge on my credit card and I NEVER signed up for such a membership or autopay program with them. I already contacted them last year regarding the difficulty in handling the one {$20.00} charge I authorized and requested NO MORE charges. This charge recently XX/XX/XXXX on CASH card is improper.
I received the results of my dispute ( Confirmation # XXXX ), and Equifax allegedly 'verified ' that trade line XXXX XXXX XXXX belongs to me. I complained against XXXX XXXX in CFPB Case No. XXXX. I also sent XXXX XXXX a FACTA request, which it received on XXXX/XXXX/2016. I demanded XXXX XXXX produce the exact contract for debt that I allegedly signed. It is now XXXX/XXXX/2016, and I have not received such proof. If no proof exists, Equifax needs to delete this trade line immediately, as the Fair Credit Reporting Act ( FCRA ) does not permit reporting of accounts without proof.
I sent numerous letters to Chex Systems to verify or delete XXXX XXXX XXXX from my report and they have reinserted this account after they deleted it back in XX/XX/XXXX. I will be attaching the proof here as Chex System could n't verify it to begin with and still can not verify this account that 's reporting on my report negatively. I have never been notified by Chex Systems to even reinsert this and only found out when I tried to open a checking account and was denied. I will include copies of letters received and recent letters that were mailed to Chex Systems. 

Under FCRA 611 15 U.S. Code XX/XX/XXXXi ( B ) Requirements relating to reinsertion of previously deleted material : ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion -- ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I was never notified nor was I ever mailed any documents verifying this account. I 've also contacted XXXX XXXX XXXX as per the address they included and it was returned to me, copy attached. I demand this deleted immediately.
This company ( Northeast Credit Collections ) is reporting the wrong delinquency date. This debt went delinquent in XX/XX/XXXX and should be removed from my credit report. This collection company is reporting this debt obtained in XX/XX/XXXX so it looks like it is 3 years old. I have disputed this several times, but they refuse to remove / correct the false information being reported.
Barclays Bank Personal Loan Mail solicitation for Personal loan fixed for XXXX months up to {$35000.00} Rates starting at 4.99 % I received a print ad on XX/XX/XXXX that does not expire until XX/XX/XXXX. The ad states that XXXX XXXX ( me ) has a pre-selected confirmation. 
For Fixed APR as low as 4.99 % with no fees I was issued an offer code to input and directed to www.barclaysloanoffer.com.

The site immediately states 5.99 % is the lowest rate ( before I even enter any personal info or invitation code ) After, entering the invitation code. The site asks some personal info but does not ask for permission to run credit check.

Then I was give 3 options to choose in order to move forward which were much higher than the solicited rate ( note : I have excellent credit ) The site states that if I choose one of the options a credit check will be performed but will not ding my credit score. There is no option to move forward unless a much higher rate is chosen. 

After calling the customer service # I was told by the rep that the solicitation " is no longer valid and lowest rate is 5.74 % because of prime rate going up '' additionally, I was told that " the marketing department generates the solicitations months ahead of time ''. After, requesting supervisor XXXX rep # XXXX. I was told that the 4.99 % was expired and now lowest is 5.99 % however she then changed her statement and said the 4.99 % was only available to a private few who received the solicitation. 

I was told I must have not have high enough credit to qualify for a better rate and then transferred me to the finance department. 

Another supervisor XXXX rep # XXXX claimed my credit score was XXXX and that qualified for the much higher rates. However, when I asked what was needed to qualify for the 4.99 % rate advertised she said she did not know and at no point could tell me the requirements needed to qualify for the advertised rate. Also XXXX acknowledged mistaken statement by other reps and said internal training would be done! but would not honor my advertisement
A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me. 

Since I requested a cease of communication, I have been contacted an additional 12 times. I consider this contact harassment and have notified each of their agents to contact me as such. A company like chase should not be allowed to ignore the law when it comes to unauthorized charges, AND harassment. That is highly unacceptable.
EOS-CCA is illegally trying to collected a debt in a state that they are not registered to do business in. Per Vermont 11A V.S.A. 15.01.
When converting an HELOC from draw period to Payback period, Wells Fargo changed the index and margin used to calculate monthly payments, Wells Fargo has not disclosed ( in written or verbal form ) that new index/margin even though I have requested written disclosure. Nor has Wells Fargo provided written proof that I accepted those changes.
My husband was already Garnesh for the same XXXX XXXX bills that they are trying to sue him for right now again.. He had already paid these debts they are trying to collect again. and they was settled and paid In XX/XX/XXXX and two Ganeshments in XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX. of XXXX, Indiana. filed a hearing XXXX XXXX for XX/XX/XXXX For XXXX XXXX .at XXXX XXXX,. they filled on XX/XX/XXXX. the post card said XXXX XXXX XXXX XXXX XXXX XXXX . amount due on post card says not showing. case # XXXX. My home loan is paid on time how can they send me a court eviction hearing notice?. His credit report says XXXX XXXX is on his report for {$330.00} settled in XX/XX/XXXX Now those was part of a Ganeshment that they already collected from paid out to them XX/XX/XXXX. {$410.00} Settled XX/XX/XXXX. {$220.00} Settled in XX/XX/XXXX. {$600.00} Settled on XX/XX/XXXX. We due owe a {$6000.00} Hospital bill they are trying to collect with all of them bundled together. XXXX credit has already got over {$17000.00} total from us in Garnesment Wages paid in full as of XX/XX/XXXX. from his check i have papers to show they received this amount of money from his work in wages.. it was for credit card and Medical bills. his credit card debt was only XXXX dollars i have the original paperwork on that credit card debt. I also have all my copies of our old credit reports going back as far as XXXX. They call my cell phone XXXX times a day with different fake XXXX numbers. I try to call back and it says they can not except incoming calls.
I paid XXXX XXXX off some time ago and people keep contacting me to pay it again this time it is a new debt collection agency.
XXXX continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with XXXX and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.
Per the state of IL a collection agency MUST be licensed in the state in order to collect! XXXX is not licensed and they refuse to remove this off of my credit!
University of XXXX withdrew {$220.00} on XX/XX/2018 and another withdraw ( payment ) appeared on XX/XX/2018. - Unauthorized. When I realized, my acct was in negative standing. I called, spoke to a bank representative at US Bank, XXXX XXXX. I was informed to contact University of XXXX, have them reverse the fees and once refund is posted on my checking account, US Bank will credit back all NSF Fee charges accrued. I called University of XXXX and they apologized fees reversed. When first refund credit hit my account on XX/XX/2018, I called US Bank XXXX spoke to XXXX and she assisted with crediting back 8 NSF charges. She informed me to call back when the second refund posts so they can credit my account the remaining NSF Fees ( Meanwhile my checking account has been in a negative standing for nearly a month due to timing of refunds credited back ) The final refund was credited on XX/XX/2018. I called and the XXXX number told me there was nothing they could do. For me to call my branch. I called the downtown location '' : XXXX, was told the manager XXXX XXXX would contact me. I did not hear back in 2 days, so I called back, teller told me XXXX XXXX credited my account a one time courtesy fee of {$36.00}, if I had additional questions to call back. I did, and left a message. I am still owed a total of ( 9 ) {$36.00} Overdraft Fees, for a total of {$320.00}!! I am STILL in the negative and my paycheck has been swallowed to pay this bank back with my direct deposit!! I am still owed
I never received any documentation that the debt was sold or given a right to dispute. The item was parked on my credit and when i contacted them the only option they gave me to resolve this was to pay it. I tried to explain the debt wasnt mine and that I would be willing to settle it out of DESPERATION ONLY. I offered XXXX which was accepted and then never processed. I have since called them 37 times. Their legal representative XXXX XXXX XXXX refuses to return my calls. I NEED THIS ACCOUNT DELETED immediately as they are clearly PARKING it on my credit and not allowing me the opportunity to resolve this VOLUNTARILY.
I have a tax lien on my Transunion credit report maintain under my social security number reported by the XXXX XXXX Recorder 's Office. I have contacted the XXXX XXXX Recorders Office, and I do n't have a Judgement legal item. The recorders office stated to me that they do not provide information to credit reporting agencies, nor do they ever validate a public record due to Privacy Laws. On XXXX/XXXX/16 I received a letter from the Recorder Office advising to contact the credit reporting agency Transunion and indicate on my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 and XXXX/XXXX/16 I sent Transunion a certified letter asking them how did they validate or verified this public record entry with the XXXX XXXX Recorder Office and to please permanently delete this Public Record immediately. In my letter I stated according to the Federal Credit Reporting Act ; Section 6099 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through physical verification of the original signed consumer contract-any and all accounts/ public information you post on a credit report otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I also sent them a copy of the letter from the XXXX XXXX Recorders Office telling me to indicate in my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 I received a letter from Transunion indicating the tax lien has been verified on XXXX/XXXX/16 I wrote another letter to Transunion asking to please provide the name, address, and telephone number of each person contacted at the XXXX XXXX Recorder Office and I formally requested a copy of any documents provided by the Recorder 's office bearing my signature. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The Transunion letter also stated " You may contact the company that reports the information to us and dispute it directly with them. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly '' I have already done my research with the XXXX XXXX Recorder 's Office I have already given Transunion a copy of there response.
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 XXXX 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.
I borrow XXXX from BigPictureLoans and now I pay XXXX every other week. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.
Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Amount : {$550.00} Account status : Open Original Creditor Name : XXXX  XXXX XXXX Wait! This is the same debt that XXXX XXXX is attempted to collect on XXXX. You know what I'll re-dispute XXXX XXXX today also so CFPB can see what you guys are doing is totally devastating people 's financial life. That's terrible! 

I did went to the XXXX  XXXX XXXX and When I got there, a XXXX whom were in training poked me 4 times to get my XXXX   and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks