WillisBack/dataset-financial-user-claim huggingface dataset:
So, I initially disputed a Chapter  XXXX  Bankruptcy  XXXX / XXXX /   2017  through the CFPB I did received a response today 32 days later so this is not a problem. However, look at the response Equifax sent with regards to my initial complaint. Please reference CFPB Complaint #  XXXX  You guys " Closed the dispute '' on  XXXX / XXXX /   2017  with this reply from Equifax..  ( you s hould clearly see and know I am NOT  XXXX   XXXX  I am  XXXX   XXXX   XXXX   )  But you guys let them keep reporting this information.     Company 's Response Dear  XXXX   XXXX , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. Bankruptcy case  XXXX  has been verified by the data furnisher as correctly reporting with your name, social security number and address. Written confirmation has been sent to you. Please all ow 7-10 busin ess days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  or y ou may visit us at www.equifax.com. Please note that for future disputes of credit report information, you may visit www.equifax.com.
I went to XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. I was told that federal loans would take care of the associate 's and bachelor 's degrees. About a year before I was supposed to graduate, I get pulled in the middle of class into the financial aid department. They told me that my federal loans had run out and that I would have to take out private loans to finish my degree. They had me take out a Peaks loan. Because of their high interest rates, my total federal and private loans come out to over $ XXXX. I am already in a student loan forgiveness program for my federal loan, but need help with my private loan with Peaks. I had contacted Peaks and the lowest they can drop my payments to is {$200.00}, which I still ca n't afford. There is no way the education I received from XXXX is worth anywhere near $ XXXX.
I made a {$350.00} promotional purchase at Lowes in XXXX that offered 6 months of no interest as long as I paid the minimum amount due and paid off the promotional balance in 6 months. I made almost {$3000.00} in payments in the 6 month period to pay down both the promotional balance and my existing balance, and Lowes did not credit any of my payments to the promotional balance. As a result, I was charged several hundred dollars in " deferred interest '' at the end of the 6 month period.
I asked Chase to close my account, due to poor customer service. Chase declined my written request to close my account.
I have sent several letters to Equifax and XXXX requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both XXXX and Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.
The company deposited checks into my bank account and the checks were fake. My bank is claiming me responsible for the fake check amounts now totaling over {$5000.00}. the company was XXXX
I worked for a company that had a company account. The company went out of business in in XX/XX/XXXX. I had a company card, and the account was with American Express. There is absolutely no contract between myself and American express. In XX/XX/XXXX, they assigned the company debt of approximately {$15000.00} to by personal credit score. I spent the next three months trying to get them to assist, consistently I was transferred, put on hold and hung up on spending more than 40 hours on  the phone. 

Finally, I disputed this 6 times through XXXX. American express rubber stamps that it is accurate and they won't assist. I call them multiple times, they say they no longer have my account and can not help. They indicate its been moved to national credit collections agency. 

I have spent over 8 hours on the phone with the XXXX XXXX XXXX XXXX. They have offered to let me buy them out at a XXXX to have it removed. I told them I would pay that to get out of this horrible nightmare, but I wanted to see the contract between Myself and American Express. Three times they sent me the card holder terms and conditions, but no contract between myself and American Express. 

I'm trying to avoid getting a lawyer and spending more money, so XXXX personnel told me I could contact you on this false negative credit issue. I had a XXXX credit score, and have never missed a payment in 20 years. I now have a XXXX score, and couldn't even finance a car. 

FINALLY, THE ACCOUNT THEY INCORRECTLY ASSIGNED TO ME WAS OPEN FOR YEARS. IT SHOWS NO HISTORY IN MY CREDIT REPORT EXCEPT WHEN THE SENT IT TO COLLECTIONS IN XX/XX/XXXX. Per the company accountant, this account was in good standing for a long period of time before they assigned it to me personally. 

Please help!
Received communication from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX, XXXX as responses for my disputes of the debt. Prior to this I had never received communication of my right to dispute, nor was I notified of an initial claim of debt into collections. 

They have provided details of debt in which they claim I owe, however for account number XXXX, it is past the statute of limitation for the state of Florida and they are still attempting to solicit payment from me. Proof of this statement is at the bottom of their validation of debt with the statement, " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This is a clear violation of my rights as a resident of Florida and I am reporting them as I feel this is against the law.
I have on XXXX occasions disputed charges from my Regions Bank debit card linked to my Regions Bank Checking and Savings account, which were made that were the result of fraud. In XXXX, my debit card was lost and charges were made at XXXX XXXX for over {$300.00} dollars, from XXXX XXXX for over {$20.00} dollars, and an ATM withdrawal debit for over {$500.00} was made. I immediately contacted Regions via telephone and was told that until the charges actually posted, nothing could be done other than to cancel the debit card and re-isssue another XXXX. After the fraudulent charges posted, I went into the XXXX GA branch and filed a formal dispute along with signed affidavits. After waiting over 10 days, on XXXX XXXX I contacted Regions bank again via telephone and was told that the claims were denied due to the fact that the PIN number had been entered correctly on the ATM withdrawal and due to that, the other dispute claims denied as well. When I informed the representative that my PIN number was NOT written on the card, but that I did have the PIN number on a piece of paper enclosed in the same wallet that was lost which had my Regions Bank Debit card in it. I was told by XXXX XXXX XXXX of Regions Bank that she would appeal this and resubmit the dispute as long as I submitted a police report to Regions, which on XXXX XXXX I did submit a police report to Regions Bank and emailed it to : XXXXXXXXXXXX. As of XXXX XXXX, I have not been credited back for the XXXX fraudulent charges made on my Regions Debit card, nor the fraudulent ATM withdrawal which was made with the same card. Not only has Regions failed to credit me back for these debits, they also have n't credited me back any of the numerous {$36.00} dollar NSF fee 's they have debited my account for. I am a XXXX American and rely on my Social Security money as my sole source of support, and this money is directly deposited into my Regions Bank Savings account. When I received my XXXX Social Security funds into my Regions bank account, a significant portion of this money was immediately taken by Regions to cover the over {$860.00} my checking account was at that time overdrawn by, directly as a result of these fraudulent debits and Regions subsequent illegal debit of fees charged to me. I find Regions Banks actions in this matter to be bordering on Criminal
I have been receiving several phone calls for several months from an XXXX XXXX regarding a Spotloan from the internet. He calls from different phone numbers but the latest phone number he called me from was XXXX. He is leaving very deragatory messages. He keeps calling my husband at work and on his work phone and has been told to stop. He has cussed at my husband on the phone, he has cussed at me also. He has left messages lying saying to call back regarding our property, and that he will find us. What does our property have to do with the loan? He has directly asked my husband " who wears the pants in the family '' and saying that my husband needs to force me to give him the money for this loan. He has also said that I need to look in the mirror and see that I am the problem as to why we are drowning in debt. He told my husband that I am fraudulent person and will be going to jail if he does n't pay my debt. This XXXX XXXX is a horrible person and needs to stop harassing us. He calls at all times of the day and night. Please make him stop!
I called to state that old information was reinserted and I did not receive a letter by law. Instead of removing the information immediately it was sent into dispute in which I should not have to wait an additional 30 days. This was on my report around XX/XX/2016 under credit protection and was removed in XX/XX/2016. By law I should have received a letter that included a certification of accuracy and once I informed the credit specialist it should have been removed, not disputed. The item is now reporting as XXXX XXXX XXXX XXXX. Even Public Relations, XXXX XXXX, from XXXX stated that they try to employ procedures that prevent this from happening where debts are sold and reinserted under a different name.
Several people from this place called my phone and my husbands, claiming to be working for Capital one and XXXX XXXX XXXX wanting me to pay an old Capital one debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe Capital one a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.
On XXXX, I received a mail notification from Chase stating my account interest rate would increase from 10.24 % to 15.24 %, an almost 49 % increase. 

On the statement it claims " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I do not know what these similar accounts are or the criteria for similar accounts might be. The representative on the phone could not adequately explain this to me. 

Also, they state " We also took into account your other Chase relationships when making this change ''. The representative on the phone could not adequately explain how the relationships related to a 5 % APR increase. 

I do not know what the criteria is or how that positively or negatively affects my interest rate. I would like it explained.
I received a letter in the mail stating I owed {$5100.00} for a loss that occurred on XXXX/XXXX/15. The letter is from Afni Subrogation Department and states it is on behalf of XXXX. It states the insured 's name ( which is not mine ). Enclosed is a payment coupon as well as a form to fill out my insurance information. They also list all of the consequences of not responding to this collection. I do not know who this insured person is, nor was there any incidence that involved me on the above date, or any date for that matter. I have never been involved in any matter with XXXX. This is not my debt.
Upon pulling my credit I noticed Financial Data Systems had reported debt to all three credit bureaus. I sent a debt validation request on XX/XX/18 which they never responded and sent a second letter on XX/XX/18 requesting that they stop reporting this debt due to failure to validate within 30 days required by the FDCPA. They continued so I filed complaints with the XXXX, CFPB and FTC and they proceeded to call my phones. I never recieved phone calls prior to my complaints with the mentioned agencies. Financial Data Systems has started calling my phone leaving messages offering a pay to delete the accounts. I will NOT pay to delete accounts that they will not furnish proof of. As of XX/XX/18 I have mailed them a certified cease and desist order to end further calls to my home and cell phones. The following are dates where FDS has called and left messages from phone number XXXX : XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX  and XX/XX/18 @ XXXX. This company has refused to provide debt validation and therefore has no reason to continously call my phones. Until there is proof of debt there is no need to converse via phone.
Cach , LLC is reporting an account on my credit report which I do not recognize. I 've disputed it with XXXX claiming it does n't belong to me. XXXX bureaus claim it 's been verified and said I needed to contact the data furnisher to get further information. On XXXX XXXX, 2016 I mailed CACH , LLC a letter requesting all information verifying this account belong to me & they could verify the debt. They have ignored my request for information & are still reporting the account on both XXXX & XXXX credit agencies. I would like this removed immediately since it has been over 30 days since I requested the information & they have never verified/validated the account.
EQUIFAX/XXXX HAS VIOLATED SEVERAL FCRA LAWS. COLLECTIONS AGENCY DID NOT NOTIFY IN WRITING OR BY PHONE TO NOTIFY ME US THIS DEBT. XXXX NEVER DISCLOSE MY RIGHTS TO DISPUTE THE ERROR. EQUIFAX/XXXX DID NOT PROVIDE A VALID MAILING ADDRESS, ACCOUNT #, AND PHONE # TO CONTACT THE AGENCY TO DISPUTE. THIS FOR PROFIT COLLECTION AGENCY APPEARS TO BE A RANDOM DEBT BUYER AND ISSUES DEBT TO CREDIT REPORTS. I REQUEST A FULL INVESTIGATION BY XXXX AND AND EQUIFAX BY LAW.
On or about XX/XX/XXXX I noticed a XX/XX/XXXX charge on my account for {$100.00} by XXXX I did not at the time recognize the charge. I contacted Bank of America ( BofA ) to inform them of this unknown charge. The account was closed, my account credited {$100.00} for this change. On XX/XX/XXXX BofA sent me a letter indicating the matter resolved. 

On XX/XX/XXXX I respond to a correspondence from XXXX. They reminded me that I did in fact make a purchase for {$100.00} from them under the name of XXXX 's XXXX. Since the account was closed I offered to pay him immediately with my new BofA card. He processed the payment. 

On XX/XX/XXXX BofA charged my account for {$100.00} indicating that the original charge was not fraudulent. On XX/XX/XXXX I contacted BofA to inquire about XXXX being credited. After more than an hour of phone transfers through multiple departments I was told that XXXX would be credited. A week later I contacted XXXX to inquire if they had received such a credit ; he told me no. I contacted BofA, again I was transferred though multiple departments, asking for proof that the payment to XXXX was made. BofA was unable to provide me with proof nor offered any help resolve it.
I pay on the auto loan the  XXXX  amount between very end of   XX/XX/XXXX   and beginning of  XX/XX/XXXX . I also sent the document of the list of fees and total loss from the insurance to the Gap coverage. The Gap coverage is only suppose to get   XXXX   of the  XXXX  and the remains balance was for me for the storage fees. They refuse to reburse the 600+ amount back to me. So if I can not get the amount funded back to me, instead my focuse is Gap coverage paying the remainder balance of the loan. I have try to work this out, I have contacted the   XXXX   insurance I have yet to here a response from them. I have done what all I can do. Still I am left without a car because my car was a total lost. I have Gap coverage on the loan but they are making it so hard for me and I am too. The point of fed up.
Greetings, I have recently graduated from college outside of the United States. Unfortunately, somebody has most likely used all my information and got into debt because during the dates which the debt has occurred, I was in college in XXXX and I can prove that I have been an active student in XXXX for the past 6 years and was not in the United States to get in debt. This may be a mistake or an identity theft.
Toyota Motor Credit has recently submitted negative activity to the credit reporting agencies regarding the status of my paid in full car loan. I paid my vehicle in full effective XXXX XXXX. The payoff was reflected on all three credit reporting agencies effective XXXX XXXX. I received a letter from Toyota dated XXXX/XXXX/XXXX in support of same. This same letter advised of late charges which were assessed during the course of the loan period. Toyota and I are not in full agreement as to the actual amount of these late charges, and I have been writing them letters, starting prior the end of the loan pay-off, to request a proper accounting and explanation of these late charges. Their calculations do not compute correctly. The payment website, which is supposed to reflect current account activity has been and is still incorrect ; stating that I have a balance of {$1200.00} and some change. Not one person at Toyota can explain this to me. They have never responded to my three ( 3 ) written requests, and my countless phone calls. Toyota has also continued to report the late payments as unpaid on XXXX which is not true. They were paid and I have asked Toyota to correct this to no avail. I have filed dispute resolution claims through XXXX, and Toyota will not correct the incorrect information or inconsistencies.
Simultaneously I started receiving calls from the Toyota Collection division after the payoff of my loan to advise me that my account was in collection for an unpaid balance of {$.00} ( cents ). Each time I received a call from their collection department I was told an internal waiver would be sent to accounting to solve the error. I kept getting call after call and having to explain this all over again. Each agent was able to see the activity of the previous calls, apologized for the inconvenience and assured me it would be resolved. None of my requests for a proper accounting have been resolved, nor was the correction to the {$.00} incorrect unpaid balance, and now it has resulted in negative activity on my credit report. I dont know any consumer who is going to simply pay a bill when there are so many ambiguities and inconsistencies in the accounting ; and when individual internal corporate departments of a global company can not explain their own accounting amongst themselves.
Procollect Incorporated XXXX. XXXX XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XX/XX/XXXX / /XXXX , XXXX , XXXX , asking procollect to produce documents XX/XX/XXXX / /XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX //XXXX, XXXX, XXXX, asking procollect to produce documents XX/XX/XXXX /XXXX, XXXX, XXXX  , asking procollect to produce documents E-mails and phone calls made to  procollect from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave Procollect two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.
On XXXX/XXXX/2015, I called Target to cancel my Target REDCard. The agent I spoke to XXXX would not listen to my request to close my account. He refused to close the account and despite my many interruptions, he continued to suggest reasons why I should keep the account open. I continue to repeat my desire to cancel the account and he continued to ignore me. I put my husband on the line because I was too uncomfortable to continue the conversation. XXXX would not cancel the card for my husband either. He continued to ask for me to be put back on the line. My husband made it very clear that the card should be cancelled and only then did I get back on the phone. XXXX then proceeded to pressure me more to keep it open. I gave the phone back to my husband and my husband asked if we could speak with a supervisor and XXXX refused stating only that I could make the request, not my husband. Finally we hung up, called back and spoke with another agent. The new agent attempted the same route, but we were more forceful this time and did not allow he representative to do anything but cancel. We spoke over the agent with each continue pressure tactic and stated that we needed to cancel immediately. We had to repeat the request to cancel over XXXX dozen times to make sure the agent did not continue the refusals.
Leased a car Thru Volkswagen Credit XX/XX/XXXX and leased a XXXX car from Volkswagen Credit XXXX, under the understanding that the disposition or return fee for the XXXX lease will be waived as I was leasing a XXXX car from them. 

The XXXX lease was returned today and Volkswagen Credit is charging me a disposition fee ; unfortunately I can not buy or lease a car from VW because they DO N'T have the desire SUV
I have called XXXX, XXXX and Experian on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX7 and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/XXXX.