WillisBack/dataset-financial-user-claim huggingface dataset:
The company sent me some statements from a previous account that shows nothing about it. When inquired further they told me to pay my debts and stop complaining, its getting costly! In addition they have taken to harassing everyone I know to get in touch with me. 

The information I got does not substantiate ownership of the debt, it was all sent to a very old address and when I asked again for the signed contract and what the bill was for, they refused to send it. If they can not legally prove that I owe them anything than why are they contacting me.
on XXXX/XXXX/16 i initiated a dispute. The dispute included the following accounts : XXXX XXXX XXXX # XXXX Federal Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX On XXXX/XXXX/16 I received results indicating that the XXXX XXXX account had been deleted. Subsequently the same account with the same amount due and the same original creditor was reinserted to my report and without notification. It appears that the collection agency is attempting to re-age the debt and change the account # even after the account was deleted. This is a direct violation of the FDCPA as well as the FCRA and should be immediately deleted. Whats more the Transunion consumer representatives continue to deny that the account exists. However, it still remains on the file. 

As to the XXXX tax liens i contacted both the XXXX XXXX County Recorder and the Clerk of the Superior Court of XXXX XXXX and they indicate that they do not respond to investigations from credit reporting agencies. The responsibility is on Transunion to verify the accuracy and completeness of the items they are investigating. There is no possible way that Transunion could have obtained the legally required verification. This is a clear FCRA violation.
An outstanding bill from XXXX XXXX was sent to me in early XXXX - I was under the impression that XXXX had paid it. My employer intervened with XXXX to pay the bill, on my behalf to the XXXX clinic. The collections company is still trying to collect, although the bill was paid. In addition the collections agency hung up on my call, and was not reasonable during the call. 

ACEI is the debt collections agency
XXXX XXXX XXXX X/2016 Not my account Fraud account identity theft
Since mid XXXX XXXX day I 've been contacted by the same debt collector. I have spoken to them about my debt and asked then to not contact me again but they persist. Everytime I asked them to please stop calling me and that I 've already talked to someone regarding my debt.
I was in the process of trying to purchase another vehicle because the vehicle that I have cost to much and i have had it for 2 years. The amount has not went down. It is still the original amount XXXX and that is the pay off. I ask them what have we been paying on and they have me excuses. I ask for management and they still have to talk to customer service. The vehicle is a XXXX XXXX XXXX. My credit report has been sent to several lender and including Santander with reference number XXXX. I bought the car XXXX XXXX and I was told that we trade it within two years with no problem. Now I having problems Santander will not finance me and they pulled my credit report twice and still the same denial. I do not know what is going on the business practice but my payments have not went down. There is some discrimination going on with business practice and it strange that response is the same on the credit application.
XXXX XXXX Bank is reflecting on my credit report. This account has not be properly verified according to law. Also this account has been on my credit report more than seven years. And it is still reflecting on my credit report. The original first delinquency showed XXXX XXXX and now shows XXXX XXXX. Which is fraud to try and keep this on my credit report. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this card. And they are still allowed to have this on my credit report. That is AGAINST THE LAW!
On XXXX XXXX, XXXX I applied for a small business checking account online with BBVA Compass. I specifically chose BBVA Compass because they stated on their website that one could open a new business checking account online. I completed the application process successfully. 

On XXXX XXXX, I received an email from XXXX XXXX at BBVA. She asked some questions XXXX answers to which had been supplied during their online application process ), including whether I wanted to use my Social Security number or my business EIN number for the tax reporting on my account. I had supplied my Social Security number during the online application process, but also provided my company XXXX number for the tax reporting in a response email the same day. It does not matter to me if my XXXX or XXXX is used for tax reporting purposes for this account. Since I am a sole proprietor of this business, the tax process is the same for either number. 

On XXXX XXXX, I received a response from XXXX XXXX stating that since I had provided my EIN number, they would not be able to open the account. Instead, she said I would need to visit a BBVA branch location to open the account. She informed me that she had canceled my online application. 

I feel that BBVA was deceptive in this case by offering to open up a checking account online, but failing to do so. If the representative from BBVA would have explained to me the difference between using my SSN vs the EIN for the business, I would have chosen to use my SSN to open the account. I suspect that this offer to open the account online was just a bait and switch tactic in order to drive people to their physical branch locations where they would be able to use additional high-pressure sales tactics in person.
I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. 

It jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. 

Is n't this usury? Should n't consumers be protected?
NEW CASE, NEW TRANSACTION Missing refund on  X/XX/2017    from  XXXX  for  XXXX  Fraud department now lying and saying I can not submit a claim/dispute. All I want to do is close my account.     They took literally over a month to credit my last missing refunds. Now we are starting again.     The contact from  SunTrust  assigned to me for my last cfpb complaint refused to speak to me and told me she would call me when she would call me and had n't even looked at my case. Essentially, do not call again.
I disputed these Items several times with Equifax did not compile with the State Attorney General Settlement Agreement and 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Why does it seem like getting Equifax to actual perform an investigation is like an act of god? 

I do n't understand. This is the 4th time I 'm sending them a letter requesting them to investigate. It 's almost like they are n't even reading my certified letters. 

They have not provided me with an updated Credit Report as well and again, refuse to investigate. Why? 

I need someone to please take an interest. I do not wish to file a lawsuit. 

Please see attached.
We financed our thru American Financing in XX/XX/XXXX it has now been 8 months and we still DO NOT SHOW on our CREDIT report that we own a home? AF has lied even though they have been paid on a monthly basis and we are ahead on our mortgage. But they have failed to report our credit status, have lied to us for over 6 months. We have emaled, called trying to remedy their issue with not reporting to credit bureaus. Been told internal error, they selling our loan outside parties, other companies handling, but what it comes down to is that we show NO home loan, no credit history on our loan. Our last communication was XX/XX/XXXX AF is now saying it will not be until XX/XX/XXXX when they can make this issue go away. Last but not lease they indicated to me that I could call the credit bureaus myself to accounts added? What kind of low life says that? 

We attempted to purchase & take out loan for new business were denied for we can not show that we own a home, have no stability as home owners. This company has done nothing but damage our credit status. 

Amercian Financing is a fraud, after several attempt to resolve this issue we had no choice other than to start filing complaints. We want action immediatley please help.
In XX/XX/XXXX I started to attend XXXX XXXX in XXXX XXXX. I completed a 2 year program. They charged a very high tuition for those two years. Also every government dispersment of money went all to them. I never saw a penny. I never got a job that I could pay those loans back either. 

I have 2 loans from that school. 
Direct Sub Consolidation Loan Deferment {$12000.00} Direct Unsub Consolidation Ln Deferment {$16000.00} ( XX/XX/XXXX) They are in Deferment because I paid XXXX lump sum. so to do that so I could help my credit and go back to school in XX/XX/XXXX. 

Now I am attending XXXX XXXX XXXX at XXXX XXXX. I took out loans but they will total less than half of what I paid at XXXX XXXX and I will pay them back as I this school has already benefited me financially. Also the caliber of education at XXXX vs XXXX XXXX is a lot different. 

I feel that I should have to pay something for going to XXXX XXXX but definitely not whats left. I was young ( and poor ) and had no idea that XXXX XXXX was preying on peoples hopes just so XXXX could get Federal money. 

For profit schools are very bad for students it seems.
I sent dispute letters to  XXXX , TransUnion  &    XXXX   in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX .   XXXX   and Transunion has not responded on this dispute and it has been over 45 days.  XXXX  sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that  XXXX  feels that they can use a third party and  not even be sure on the information they are reporting? It is not right and its unfair to me.
Afni Collection ( XXXX ) was removed from my credit reports on XX/XX/2015. Now they are back on my XXXX report.
I had full coverage insurance through progressive insurance company in XX/XX/XXXX. I was late in paying my XXXX XXXX bill and received a cancelation notice from them. I sent out the payment and after this received another notice that my policy was cancelled in XXXX. I got car insurance through another insurance agency for a cheaper rate. XXXX is demanding payment of {$160.00} for this account and put it in my credit report in XXXX XXXX. I paid my premiums through XX/XX/XXXX and did not make any more payments towards this policy due to the fact that they cancelled it.
Portfolio Recovery is reporting 2 separate, closed accounts for the same original creditor, XXXX XXXX XXXX XXXX, to credit bureaus. Also, Portfolio Recovery is not honoring their written agreement to no longer report the account to credit bureaus. 

I negotiated and settled this account XXXX, 2017 with an agreement that they would no longer report the account. 

Not only are they falsely reporting duplicate XXXX XXXX XXXX XXXX accounts, but are also not honoring the agreement that we negotiated.
I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by BANK OF AMERICA in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate and unverified late payments listed by BANK OF AMERICA. 
I challenge the accuracy, compliance and reportability of this listing because during the time the company was reporting these late payments I was never notified of the late payments being reported. I never even received statements. 
1. 120 DAY LATE PAYMENT IN XX/XX/XXXX 2. 120 DAY LATE PAYMENT IN XX/XX/XXXX 3. 120 DAY LATE PAYMENT IN XX/XX/XXXX 4. 120 DAY LATE PAYMENT IN XX/XX/XXXX 5. 120 DAY LATE PAYMENT IN XX/XX/XXXX Please validate this information with BANK OF AMERICA and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
The account shows account in collections. The account was paid in full over 1 year ago in the amount of {$1700.00} acct # XXXX it says deferred to 2021
I had deposited a check for XXXX and Hsbc had taken and kept My deposited money refusing to give it back
I was given a pre-approval and the green light to start looking for a home with Suntrust around XXXX XXXX 2015. Made an offer on a home on XXXX XXXX and the process " started ''. Was given the closing date of XXXX XXXX 2015. Went through all the inspections and the whole XXXX to get this home. My seller is/was starting their process to move and find a hime out of state. On XXXX XXXX I got an email ( not even enough respect for a phone call ) stating that I would not be closing on XX/XX/XXXX. Once I make a few phone calls to figure out why, I find out that my loan officer and the processor forgot about me and never even sent me to underwriting. After my sellers agreed to an extention, and Suntrust " doing everything they can '' I find out on the XXXX of XXXX that I was denied. Reason was because of my self-employment relocation. This is something I told Suntrust the very first day I walked in to get pre-approved. I find out after this, that this is something that was known the whole time that I would never have been able to get a loan through them and was just strung along through the whole process, so they could " exhaust every resource ''. It 's a shame that such a large bank and a loan officer that holds the position of VP of the mortgage dept. here locally, can lie to someone and put a huge burden on them while trying to make a major life decision and change. I have been XXXX miles away from my wife and XXXX young children during this whole thing and am now XXXX as I already sold my home in Florida. I must now scramble to find a home to rent as my seller will not sign another extension. All due to Suntrust not doing their job. They have agreed to refund me any money that I have paid out of pocket for inspections, appraisal, etc - and to me, just shows that they know they are guilty in the situation as they are not obtained to do so ( because I should have never made it past his desk in XX/XX/XXXX with a pre-approval letter ). I feel Suntrust should make it right with a customer that they have had for over XXXX years and see that I have the credit, cash, payment history, and income to support a loan from them.
I had an FHA loan with Caliber Home Loan which was paid off on XX/XX/2018. 

I checked with FHA by calling XXXX and was confirmed that not only the loan had been paid off, but also was I told there is a balance of {$21.00} which will be refund to me through the lender. FYI, my FHA case # is XXXX. 

However the lender overpaid additional one month of PMI after pay-off on XX/XX/2018, making the balance increased to be {$200.00}. But the representative from Caliber named XXXX ( ID : XXXX ) refused to correct the error and refund to me.
I have a VA Loan. The original loan included cost for Mortgage - Hazard Insurance. After the first year, the issuer of the mortgage insurance, cancelled the policy. Though the policy was cancelled, the monthly mortgage cost stayed the same. The loan originator insisted that I again get an insurer to cover the loan. Subsequently, I found out that VA Loans per my category, do not require " mortgage insurances ''. The loan originator has sense foreclosed and sold my property, even though, I have continued to pay my monthly mortgage up until they stopped receiving them ; returning my checks to me with a note saying they no longer could accept them. The loan originator has issued an eviction notice to me effective XXXX XXXX 2015.
Kia Motors Finance  XXXX .   XXXX    XXXX   XXXX   XXXX , CA  XXXX  Subject : VIN #  XXXX  1 ) I bought a  XXXX   XXXX  on  XXXX    XXXX   and was offered a contract for service that I would only worry about gasoline and wash my car. Those words convinced me to accept it. Last  XXXX   XXXX , I found out that I had to pay for service and I was told that I could cancel that contract. I do think that after paying for 47 monthly payments I should be reimbursed for the whole amount paid until today, since your finance employee tricked me with a disonest explanation.    2 )  Also, I would like to request a waiver on my account number  XXXX  of {$30.00} caused by my typo mistake when making a payment in advance over the internet, instead of bank account, I typed  Kias  account number. I understand it is my responsibility to check it carefully, but I was not late, not even on the due date. It was an honest mistake. After my third call, I was told what was wrong.
Had a collection notice from midwest recovery services appear on my credit report for a payday loan front XXXX for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.
I had XXXX private loans with Discover Student Loans that were charged off several years ago. XX/XX/2016 I came to a settlement agreement with Discover and paid off these loans on XX/XX/2016. Discover has continued to report them as past due even though no further money is owed to Discover. I first disputed directly with the Credit Reporting Agencies, and Discover verified the incorrect information. Then I sent a letter directly to Discover explaining the issue and received only a form letter in response saying the reported information is correct. On XXXX, as of a report from XX/XX/2016 ( almost 4 months after settlement ) they were still reporting {$460.00} past due as of XX/XX/XXXX on XXXX loan, {$490.00} past due XX/XX/2016 and {$590.00} past due XX/XX/2016 on a second loan, and {$760.00} past due as of XX/XX/XXXX on a XXXX loan. That is XXXX incorrect reportings on XXXX. On XXXX, they listed all three loans as past due in both XX/XX/XXXX and XX/XX/2016 ( XXXX incorrect updates ). On XXXX they also listed each loan past due in both XX/XX/XXXX and XX/XX/XXXX for XXXX incorrect updates. That is XXXX incorrect updates by my count. I have followed the available procedures to get them to correct their reporting and they have failed to investigate.
On XXXX XXXX, XXXX a representative from Chase had pulled all XXXX credit bureau without my permission, and I had an associate and a supervisor to inform me that Chase has that right within their Terms and Conditions. However, Chase 's terms and conditions does states that Chase does has the right to pull all XXXX credit bureau. On the other hand, the terms and conditions do state that Chase must provide me with the credit bureau 's name, address, and phone number to which Chase is obtaining my credit score. Chase sent a letter on XXXX XXXX, XXXX only requesting to pull from XXXX and not from XXXX and XXXX. Thus, on XXXX XXXX, XXXX the credit inquiry for XXXX is perfectly fine ; however, I would like the inquiries for XXXX and XXXX to be removed from my credit report as a hard and soft inquiry. In addition, I tried to explain to XXXX XXXX with Chase that this wrong on the part of Chase, and Chase should honor their terms and conditions. Because Chase used the terms and conditions to explain to me about obtaining all three credit bureaus, but once I pointed out that their terms and conditions do state that Chase must provided me with all credit bureaus are pulling my credit score. Furthermore, XXXX XXXX with Chase is going to say " if Chase request to have inquiries removed from XXXX and XXXX that my Credit Limit would be lowered. '' Now, how is you threaten my credit limit for the Chase XXXX Credit Card when XXXX has the highest credit score in the first place. In addition, Chase sends a letter stating the inquiry process was invalid, and I still requested from XXXX XXXX to remove inquiries based on their research. Yet, again XXXX XXXX refuses to remove the inquiries from XXXX and XXXX ; however, The Georgia XXXX XXXX XXXX and as a letter from XXXX say that a consumer reporting agency must provide me with all credit bureaus to which they are trying to obtain my credit score. Thus, I am requesting to have the hard and soft inquiries from XXXX and XXXX, and to keep my credit limit at {$4500.00}.