WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, i filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on My report. Specifically the two bankruptcies XXXX & XXXX. The Agency - Equifax then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I  proceeded to ask for a Re- investigation on XX/XX/ and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/ at XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/ at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Equifax. Their own two agents XXXX XXXX on XX/XX/ at XXXX and Previously XXXX XX/XX/2018 at ; XXXX could not provide information on the steps and method of verification the company used to verify the information. 
The only clear thing is that the Equifax is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Equifax.
Equifax and XXXX XXXX  are reporting erroneous and unsubstantiated information on my credit report. Each time I request a removal or an explanation from the source providing this information ; I get the generic response from Equifax and XXXX XXXX " This information meets the FCRA ''. They do not provide documentation which supports these erroneous entries on my credit report. I have contacted the courts as well as the IRS who have stated that they do not report or verify any information to the credit reporting agencies and they do not have any such information in their systems to support these reporting on my credit report. I have requested that Equifax and XXXX XXXX  provide me with the source in order for me to address this matter with them directly. Equifax after several attempts to retrieve this information, finally stated that XXXX XXXX was the source. I contacted XXXX XXXX who has provided documentation which states that the information could not be verified and would be removed from their data base. I sent this information to Equifax and XXXX XXXX last year and they still refuse to remove this very damaging and inaccurate information from my credit file. I am attaching the correspondence and communications to and from Equifax and XXXX XXXX
On Friday, XX/XX/XXXX at XXXX I received a phone call from Kateena with Eagle Recovery Associates on my work cell phone ( XXXX ) XXXX. I explained to XXXX she had reached me on my work cell phone and asked that she not contact me at that number again. She then asked for another phone number. I advised her that I do not have a land line and did not wish to be contacted on my personal cell phone number either. I verified my address and asked her to send me information regarding this debt in the mail. XXXX then threatened to contact my employer and told me she would mark me file as refusal to pay. I have not received anything in writing regarding this debt. I called Eagle Recovery back on Friday, XX/XX/XXXX at XXXX and asked for the name of the representative I spoke to this morning because I wanted to file a complaint. The representative put me on hold to get a manager, " XXXX ''. I explained to XXXX what had transpired earlier that day and he told me a letter was sent on XX/XX/XXXX. I advised him I have yet to receive the letter and told him the representative had threatened me. He told me my account was not to the point of being referred and then proceeded to try to get me to give him another number they could call. When I told him I didn't have a number, he said I was asking for a Cease and Desist. I told XXXX I was not asking for a Cease and Desist, I just want some information in writing. When XXXX started to advise me on how best to open my mail, I ended the call.
The issue here is that we have been wronged by XXXX. Along with numerous other establishments and their flagrant misrepresentations. The monies paid to your company were taken under false pretenses. On XXXX XXXX, 2014, they charged me {$4900.00}. This was on my bank statement. They did say they were doing my advanced marketing. I was definitely taken advantage of by these people because I had no phone number or any means to get back in touch with them. I do not want to do any further business with them and request a refund. I am very uncomfortable working with this and at this time would like to cancel these services and demand a FULL refund of my money. The company is non responsive to calls, complaints and letters. I have reached out to my banking institute and supplied them with all the information that was in my possession. They advised that I did not. I called and advised Citibank that it was n't a billing error, that I have a contractual agreement with the above referenced merchant and that I was allowed to file this under " services not as described '' up to a year from the date of the original transaction in accordance with Federal Regulation, they can not pick and choose as they see fit. Also the mentioned I did not comply with their request for documentation. I give them everything I had. They offered no help at all. I can not afford this big of a hit to my finances. Please advise my credit card company of proper protocol and ensure they help me. I need your help.
This company robo-called me 36 times in 10 minutes. I would not pick up and they continued to call back over and over again
We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX  refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX XXXX part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!
I have been a American Express member since 2005. In an effort to eliminate debt I voluntarily placed my accounts with a debt management program. The debt management program did not make timely payments to all creditors. American Express was one of those. American Express removed itself from the program and I took over making the payments myself. I continue to receive statements from American Express and make payments using the American Express website and its auto pay feature. The current minimum payment is {$100.00}. I make monthly payments of {$240.00}. A review of my statements and credit report reveal that I have made no late payments, but my account has been placed with collections. I learned this information when I contacted American Express to change my due date and was referred to a collection agency. I have not been able to contact a representative or department at either organization that can provide me with a reason the account has been forwarded to collections. Each time I contact either organization I am referred back to the other. 

I have copies of my statements and credit report that can be submitted, but the files are large. I can provide ALL documentation upon request.
Since XX/XX/2016, I have had issues with XXXX merchants for services/products not received. I disputed the charges on multiple occasions to have them reversed. I also submitted documentation to the fact. CitiBank has willfully neglected the information I have provided and allowed by account to go into a state of applying credits to disputed items. I requested my account closed on several occasions and was denied.
XXXX XXXX XXXX response to my initial complaint is insufficient and did not address the issue. I was not informed of an outstanding balance being a {$620.00} Wear & Tear fee at the time of leasing another XXXX vehicle. I was informed there was a Wear & Tear fee that was taken care of by the Hyundai XXXX dealership and that was it. Once informed via letter in XX/XX/2017 about a {$620.00} Wear and Tear fee, I immediately called the dealership to inquire why this fee was not paid and was assured by them it was handled. I then called XXXX to inform them that, again, the dealership paid because the dealership continuously told me it was paid. I did my due diligence in trying to remedy this issue multiple times between XXXX and the Hyundai XXXX dealership. XXXX  neglected to admit in their initial response that my account was paid in full by the DEALERSHIP and not by me. Again, no payment that came from me was ever late. Better yet, this late payment they claim was my responsibility came from their own dealership 's checkbook! The Hyundai dealerships payment to XXXX was late. The dealership has even admitted responsibility for this payment ( see letter from dealership attached ). The dealerships manager says, XXXX sent XXXX XXXX a bill and she advised them that the dealership was to pay that amountthe dealership failed to do this. The fact that I, the customer, have been the middle man between these two entities, dealing with their lack of communication with one another and being personally affected by their failure to remedy this situation several times is abhorrent. Had I been told by XXXX  or the dealership to pay a {$620.00} Wear & Tear fee, I WOULD HAVE and quite frankly, I wish I was given the opportunity to do so rather than be lied to multiple times by the dealership that the payment was handled and be in this present situation. Look at my payment history- I have never been late on a payment once in my life and would never not pay an outstanding balance!
For more that 60 days I 've had a credit balance on a card I canceled. When I canceled the card I selected the option to have the credit balance automatically transferred to my bank account. After a few weeks the money was still not transferred, so I called and requested a check, which they promised to send within 10 business days. More than 30 days have passed and still I have n't received my money from them.
I have been a member of Diner Club for XXXX years. During that time I accumulated XXXX points. I cancelled the card on XXXX XXXX 2015. I tried to reclaim my points and was told by Diners that I had lost the points after XXXX days. My claim to the points was made XXXX days after closing. My claim is that this is fraudulent practice by Diners Club. Those points were earned based on card usage and have a redemption value of {$2600.00}, Diners have no right to cancel those points which were earned by me. I have written to Diners Executive Complaints and have had no response. Diners did not inform me in writing that I would loose my own points.
Danco Financial still shows up on my credit report and has been the cause of denied credit due to it showing up as a repossession. This account should have been resolved in a previous bankruptcy started in XX/XX/2012, but it still shows up as account closed, not settled or satisfied. Also, my name shows on two reports as having a middle initial - I have never had or used a middle initial of any kind in my life. Additionally, I see an address in XXXX, NY where I never lived. This makes me think someone used my name with that address or received goods or services in my name with that address, I don't want to be or should not be responsible for that account/debt at all. I need help paying for medical bills, but have tried to increase my credit score and I'm hoping that removing these negative things will help to increase my score and or at least have me listed as the correct person on future reports.
Hi, I have had a credit card account in good standing with Discover for several years, and was pleased ( at the time of account application, not now ), to receive a promotional checking account offer for a {$300.00} sign up bonus with conditions of sign up by XXXX/XXXX/XXXX, and make XXXX direct deposits within 60 days. Here is the full situation : a ) The application was opened on XXXX/XXXX/XXXX. The final screen said something along the lines of 'pending ' or 'more info is needed ', and it was my understanding ( as with credit card applications ) that a specialist would look into the account and contact me promptly. 

b ) Contact was never made, which was frustrating, so I called in on XXXX, and the account rep told me she saw the application and was willing to finish it. I reminded her of the bonus offer and *she acted like is was still completely good and valid* since I had applied on XXXX/XXXX/XXXX. 

c ) Direct deposits fulfilling your terms and conditions were completed XX/XX/XXXX. 

d ) I sent a secure message ( now unavailable to me ) in XXXX asking when the bonus would post, and the rep told me it would be on XXXX/XXXX/XXXX. He did never indicated that I was ineligible, and he apologized for the inconvenience. 

e ) When XXXX passed, I sent another message ( now unavailable to me since the Discover system deletes them after 30 days ), asking what happened. Another rep told me things would be adjusted within 30 days. There was still no indication that I was considered ineligible. 

f ) I sent in a message yesterday, XXXX/XXXX/XXXX, and was informed that the account was officially dated XXXX/XXXX/XXXX, which is the time of completion and not the time of the application, and I am therefore considered ineligible. This is the first I was told of this. I sent in an application on XXXX in good faith that it would be reviewed and completed, and in my opinion, Discover dropped the ball on it. Not me. 

g ) I then called in. The rep not only told me about the account date issue, but also informed me that I was not targeted. I received a direct mailing, and was therefore, by definition, targeted. They later change their story on this, oddly enough. 

h ) I received another message telling me, Oh, I guess you name is actually on the list (?? get your story straight ), but your still ineligible because of the account opening on XXXX, not XXXX like I thought it was. 

I can not believe that are going to renege on a bonus offer using a petty technicality. It is not my fault for not finishing my account opening in an 11 day window ( XXXX ). That was completely in their court, not mine, after I applied. This is bad business practice all around. 

XXXX XXXX
I am writing about the privacy notice I received along with my new Chase credit card. The notice informs me that I have the right to " limit '' the personal information about me that Chase shares with its affiliates and non affiliates. My concern is that the document never defines what it means by " limiting '' the information it shares. What does it mean to limit sharing? How much of my personal data will still be shared if I opt in to limit sharing? Given the language is so vague I am assuming they are still sharing some information about me with these parties.
I had received 2 letters from Receivables Performance Mangement ( RPM ). I  had just chosen one and opened it and the letter contained an offer to settle the debt in the amount of about {$370.00}. Later, after the ordeal, I found that the other letter contained an offer to settle in the amount of about {$290.00}. I called and spoke with a representative on XX/XX/2019 who proceeded to take my payment information to process the payment as settlement in full for the debt. I requested an email confirmation of my payment to keep for my records. RPM sent an email, but it was not a paid receipt, it was a copy of an offer letter that stated the amount was {$290.00}. At this point, I was confused because they just took a payment of {$370.00} so I called back to inquire about the difference of what they took and what the email said. I spoke to the manager, XXXX, who stated they would refund the difference but we would have to wait for it to clear first because it was not showing posted to the account as of yet. I proceeded to wait a couple days and I called back and spoke with the same gentlemen who at this time advised they would not refund my money and that I would have to contact my bank directly to stop the payment and then we could redo the transaction even though they knew at this time the bank would not be putting a stop on the payment. I called my bank and they processed it as a dispute, but after their investigation determined the payment was valid and would not refund my money. I feel that RPM misrepresented an offer to settle my debt and fraudulently took a higher amount because it benefited their employee and meant more money for his own paycheck. This is clearly false representation and I feel that the company is stealing my money when they were fully aware there was a lower offer on the account. Additionally, when I received conflicting information and contacted them about it, they again misrepresented an opportunity for me to get a refund of the overpayment, which I have not received as of yet.
I told XXXX XXXX that my check was stolen and reported to the police. 

I was informed that I had to provide all my personal details but they didn't have to give me anything, and I replied that the police had the report. I was told it was my problem and that I had to get them the report to their business. When I said, no, I was in a XXXX and they could get it i was informed that they would call me every day until I did what they wanted and there was nothing I could do about it other then bring them the report and then they would investigate and see if they quit calling. 

Requests for things in writing was met with it could only be done by email. 

They were informed it was stolen, it was a fraud and that a police report was filed. Because I did not bring them all the paperwork, a hardship on me being in a XXXX, which they were informed about, they have called at least once a day for the last 10 days and tell me every time they call, they will talk to me tomorrow. 

This is harassment, and when pointing it out tell me " nope. It's a bill you owe. '' When I argue that they tell me they aren't going to get the report and they doi n't have the time to bother with getting it or investigating it so they're going ot keep calling.
After checking my credit report i have found a total of XXXX hits on my credit report. I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I origonally leased a XXXX XXXX from XXXX XXXX XXXX  on XX/XX/XXXX. My lease agreement states that the company is responsible for maintenance on the vehicle up until 90,000 miles are on the vehicle. My loan was transferred to XXXX XXXXXX/XX/XXXX. My contract also states that if the lease is transferred the agreement still stands regardless of the new companies policies. XXXX XXXX has failed to uphold my maintenance agreement and has not reimbursed me for two seperate maintenances preformed on the vehicle. The innvoices were submitted XX/XX/XXXX and I was told it would take 10-14 business days for the money to be reimbursed. I 've spoken with XXXX XXXX several times since XX/XX/XXXX regarding this issue and was told a supervisor will contact me within 24-48 hours. This did not happen. Secondly, upon signing the lease agreement on XX/XX/XXXX the lease states that I am to pay a total of {$15000.00} in 108 weekly payments of {$150.00}. I am and have always been on time with weekly payments yet Innovate loan is now stating I owe {$25000.00}. I have called on several occasions about this amount and have not received an updated amount, I have also submitted the Lease to them for review with no outcome.