WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted check n go for information on a payday loan. Company is unwilling to provide daily interest rate or payoff amount on the loan. Talked to XXXX different departments about account information, they refused to provide any information other then the amount currently owed. Spoke with customer service, collections and a supervisor. All were unwilling to provide information on account. They refused to provide information until a payment was processed.
I asked XXXX, XXXX and Transunion to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect. 

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party. 
4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer? 
The continued reporting breaks the law. I want this information DELETED.
I disputed two monthly charges of {$78.00} each made by The XXXX XXXX to my XXXX credit card : one made on XX/XX/XXXX and another one made on XX/XX/XXXX. The reason for the dispute was due to the fact that The XXXX XXXX increased my monthly subscription from {$27.00} to {$78.00} without my consent and consequently I cancelled my subscription. ( XXXX XXXX XXXX used to charge my XXXX card automatically every month. ) After its investigation, XXXX refunded me two amounts of {$51.00} each which is the difference between my old rate ( {$27.00} ) and the new rate ( {$78.00} ) The XXXX XXXX tried to impose upon me. According to XXXX, the reason they credited my account was that The XXXX XXXX never answered to XXXX inquiry. Therefore, The XXXX XXXX was paid {$54.00} for two months. 

In addition, XXXX informed me that on XX/XX/XXXX they credited my account in the amount of {$24.00} due to a credit initiated by The XXXX XXXX itself. 

Now The XXXX XXXX sent me to a collection agency because they say I owe {$150.00} for the months of XXXX and XX/XX/XXXX and XX/XX/XXXX, which debt I obviously do not accept.
Performant and XXXX XXXX ( I read where they are the same company ) keep calling me about debts I do n't owe. Apparently they think I 'm responsible for recent debts my ex-wife ( that I 've been divorced from for 12 or 13 years ) has. Apparently she owes student debt and medical bills, I 'm not sure, I have n't even talked to her in years. I 've REPEATEDLY told them I 'm not her and to quit constantly calling me, I 've had to block their numbers. but they call from XXXX different numbers so far. XXXX was constantly calling too. And they sent a letter. I told them repeatedly that I had no way of contacting her nor did I know where she lives now. They only finally stopped calling after I threatened to file a claim with you twice and telling them to send documentation where it says I OWE. There was another company that called 3 or 4 times a day for a couple months until I repeatedly threatened on my part to report and sue them, ca n't remember their name. Here 's some of the numbers they use XXXX, XXXX, XXXX, XXXX. I 've deleted all the other numbers. I pay my debts, my credit score is XXXX, so it 's getting really frustrating dealing with these people bothering me about SOMEONE else 's debt. Now I 'm worried they 're going to report me to the credit people because I wo n't pay someone else 's debt. I ca n't afford a lawyer, but I am sick of getting calls from XXXX to XXXX several times a day almost every day. Thanks for any help you can give me. 
XXXX
I have attempted over a year to have information on my Equifax Credit Bureau and everytime I dispute they say it is a factual record and belongs to me. I have submitted police report Identity Theft information and still they wo n't remove it. It has been removed from the other XXXX credit reporting agencies, but Equifax refuses. When i ask ow the investigated was determined or show me the documentation they have that this belongs me they can not. The information of the credit cards XXXX is not even my address it is out of state address.
Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and XXXX shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. XXXX  has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.
On XX/XX/XXXX I received notifications from the three major credit reporting agencies that Portfolio Recovery submitted two collection accounts to them. On that same day I called Portfolio Recovery and was told by a representative and supervisor XXXX XXXX that on XX/XX/XXXX letters were sent to XXXX XXXX XXXX and on XXXX XXXX they were returned as undiliverable. They stated on XX/XX/XXXX they sent another letter to XXXX XXXX XXXX, XXXX GA. Neither of the addresses that they sent letters to are mine. When I called there office after not receiving a letter and having the accounts placed on my report, upon calling the representative stated my correct address upon taking the call. However they failed to notify me at that address before placing the accounts on my report. They have violated the law.
I received Debt Collection Notice from EOS CCA stating that I had an outstanding balance with XXXX that they are seeking to collect on behalf of US ASSET MANAGEMENT XXXX. However, when I checked the license number on the letter with XXXX XXXX ( online ), it says that the license belonged to a differnt company and that it expired in XXXX 2017. Additionally, I contacted XXXX and my account is paid up to date - it 's on auto pay.
My identity was stolen in XX/XX/2009. A XXXX XXXX. He obtained a DL and opened a fradulent loan with the DL. I filed a police report and an investigation was done. Afterwards, there was a warrant issued for his arrest.
I PAID XXXX IN 2012 AND MCM KEPT CALING HOME, CELL AND WORK AND IS STILL REPORTING ON CREDIT REPORTS. AND S.O.L. EXPIRED.
I had XXXX student loans with XXXX XXXX XXXX that were charged-off and sold to an unscrupulous debt collector ; XXXX XXXX XXXX, XXXX based in XXXX XXXX, SC. This debt buyer has illegally added over $ XXXX in interest/fees to the loan, which I don't think is legal since the loan had already been charged off by XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX has stated the loan balance to be in excess of $ XXXX while BofA charged the loans off for about $ XXXX. I believe that my original loan agreement doesn't allow for the fees/interest that they are attempting to add to the loan through their aggressive attorney, XXXX XXXX XXXX. Further, I've learned that XXXX XXXX XXXX, XXXX is operated/owned by the same individuals at XXXX and XXXX, which is who XXXX   XXXX XXXX used as their collection agency prior to selling the loan to XXXX XXXX XXXX, XXXX - a major conflict of interest.
A collection company has listed a derogatory trade line on my credit report. Instead of disputing the account with them, I agreed to pay the account in full for XXXX which was paid on XX/XX/2016. In return, the company, Credit Collection Services ( CCS ) agreed to report this account to XXXX and XXXX for total deletion. They account was never listed on my XXXX report. After checking with both of these credit reporting companies, they still have not received an updated request from CCS to delete the account and CCS is saying they have done so while the credit reporting companies is insisting they have not requested deletion of the account. In addition, the account still shows and outstanding balance. I have contacted CCS and their standard rebuttal is that it will take 30 days to reflect the deletion request while the credit reporting companies are insisting that if they have indeed requested the deletion of the account, the request was perform immediately upon their but insist they have not received such a request. The document attached do not reflect the actual date the account was paid, it only shows the date I printed the form and as you can see it reflects a XXXX balance. This incident is stopping me from transacting a major purchase and I need the account deleted as CCS promised on a recorded phone line during several conversations.
cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts equifax breach has cost me tons of money taking more than 30 days violation of my rights
Cancellation of debt was submitted to the IRS by Chase bank/credit cards, on our XXXX tax return. We were unaware of this practice. We were notified in XXXX XXXX, XXXX, of {$980.00} and made payments toward the debt. In XXXX XXXX, XXXX the reminder balance or {$740.00} was deducted from the XXXX tax return. I have submitted supporting documentation to the XXXX, XXXX and XXXX of the final payment and wished to have debt removed to XXXX balance and closed also, the XXXX chase accounts are old XXXX and XXXX.
I submitted a letter to Equifax Credit Reporting Agency and I have not received a response to my letter of dispute for the following companies. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Letter was submitted to Equifax, requesting for an investigation of inaccurate information being reported into my credit profile due to identity theft. I have not been notified by Equifax of any results. It has been over 30 days. Original submission was on XX/XX/2018
There is an inquiry listed on my credit report as XXXX/XXXX dated XX/XX/18. I did not apply for credit with this company and I've disputed it several times with the credit bureau. They have sent out several letters stating that this has been deleted from my credit report ( attached ) but it still remains.
I opened an account with Citizens Bank through the internet and used an electronic check to transfer {$3700.00} on XX/XX/XXXX. OnXX/XX/XXXX my other bank ( XXXX XXXX ) confirmed that they cashed the {$3700.00} check ( attached ). OnXX/XX/XXXX I got a letter from Citizens Bank saying the funds would not be available until XX/XX/. Since they had cashed the check and I needed {$1000.00} down payment for a car lease, I went into the bank to complain. They called fraud prevention who ( I later found out ) not only confirmed the hold and refused to budge, but extended the hold until XX/XX/. I called today and they again confirmed the XX/XX/ hold ( remember, this is a hold on cash that belongs to me, it is no longer a check ) and said the matter had been escalated to the office of the chairman of Citizens Bank. I want to get my money back and cancel my account with Citizens. I'm a consultant between contracts right now and if they don't give that money back my family will be destitute. Please help us! Thank you.
MY NAME IS XXXX XXXX I REPRESENT XXXX XXXX AS I HAVE POWER OF ATTORNEY IN MY MOTHERS CASE DUE TO HER XXXX SHE HAS XXXX AND XXXX  .THIS COMPLAINT CONTAINS NEW INFORMATION AND DOCUMENTS RELATED TO MY MOTHERS OWNERSHIP OF HER HOME, LAW ENFORCEMENT REAL ESTATE FRAUD QUITCLAIM DEED FRAUD CRIME REPORT AND AGGRAVATED IDENTITY THEFT .IN RESPONSE TO A CLAIM BY CHASE BANK INVESTIGATORS I DEMAND A RESPONSE WITH DOCUMENTED EVIDENCE AS TO HOW THEY DETERMINED THAT THE QUITCLAIM DEED IN QUESTION IS NOT A FORGED DOCUMENT NUMBER XXXX XXXX RECORDED ON XXXX XXXX? WHEN IN FACT DETECTIVE XXXX XXXX OF THE COMMERCIAL CRIMES DIVISION OF THE XXXX WAS NOT CONTACTED BY CHASE BANK INVESTIGATORS AS HE IS THE DETECTIVE ASSIGNED TO THIS CASE NUMBER XXXX! FURTHERMORE DETECTIVE XXXX XXXX SAID ALL 3 DETECTIVES ASSIGNED TO THIS CASE ASSERT THE FACT THAT THE QUITCLAIM DEED NOTED ABOVE IS A FORGERY BASED ON THE STATEMENTS RECIEVED BY 2 OF THE DETECTIVES GIVEN BY THE NOTARY XXXX XXXX WHO STATED IT IS A FORGED DOCUMENT BECAUSE HE WAS NOT A PARTY TO THIS DOCUMENT TRANSACTION AND HE NEVER MET MY MOTHER XXXX XXXX SHE DID NOT APPEAR BEFORE HIM, HE DID NOT HAVE HER CALIFORNIA IDENTIFICATION INFORMATION NOR WAS THIS TRANSACTION LISTED IN HIS LINE ITEM SEARCH OR HIS LEDGER, DETECTIVE XXXX XXXX SAID THAT CHASE BANK INVESTIGATORS ARE FREE TO CONTACT HIM IN REGARDS TO THIS MATTER AT XXXX.FURTHERMORE THERE IS THE ISSUE OF THE FACT THAT CHASE BANK HAS NOT PRODUCED THE MORTGAGE NOTE OR THE SERVICE AGREEMENT FROM THE ORIGINAL NOTE HOLDER GIVING THEM THE RIGHT TO COLLECT MONTHLY PAYMENTS .SO I DEMAND TO KNOW WHAT FINANCIAL CLAIMS CHASE BANK HAS TO MY MOTHERS HOME AS THEY ARE NOT THE LENDER THAT PAYED OUT THE 2 LOANS IT IS WASINGTON MUTUAL BANK !!! CHASE BANK CAN NOT COLLECT ON A PHANTOM DEBT .I SUGGEST CHASE BANK INVESTIGATORS ALSO LOOK INTO THE FACT THAT IN CALIFORNIA FILING FORGED OR FRAUDULENT DOCUMENTS IS A FELONY REFER TO PENAL CODE 115 FILING A FALSE DOCUMENT DUE DILIGENCE IS REQUIRED TO FIND OUT WHO FILED THIS FRAUDULENT QUITCLAIM DEED AND THE FRAUDULENT GRANT DEED DOCUMENT NUMBER XXXX XXXX DATED XXXX XXXX .CHASE BANK INVESTIGATORS HAVE NOT BEEN TRANSPARENT ABOUT THEIR INVESTIGATION NOR HAVE THEY PRODUCED ANY EVIDENCE OF HOW THEY MADE THIER DETERMINATION.ITS OBVIOUS CRIMES HAVE BEEN COMMITTED AND THE TITLE IS CLOUDED.
On several attempts I have tried to explain the Medical Data Systems to stop contacting me ... .... This company has repeatedly placed a negative item on my credit report.. i am informed that this is a collection agency who are violating my rights as a personal consumer because I have never had any type of relationship or contract with them ... Also I feel as I'm the victim being they are buying my identity from companies or venders that I have no knowledge of ... ... This goes against FCRA and definitely goes against HIPPA consumer rights.
I Deposited a check from my brokerage account vanguard a XXXX dollar company into my wells fargo checking account on XXXX/XXXX/16 XXXX told me the funds cleared on XXXX/XXXX/16 yet wells fargo would not release the hold until XXXX/XXXX/16 .I called there help desk to ask why and was told that 's just our policy and i should go to my branch i did on XXXX/XXXX/16 and spoke to the branch manager who called her supervisor that stated the funds had cleared all there accounts on the XXXX/XXXX/16 my question is why is a bank that is under federal investigation for fraud allowed to hold customers money without paying interest and or releasing there funds to them.Is this just another example of cunsumer fraud that needs to be investigated.
My wife and I believe that we are victims of unfair and deceptive banking practices. We now have documented proof that Chase Bank has been issuing pending ATM credits into our bank accounts which makes our balances appear larger than what they really are. Then, Chase Bank will takes the credit away causing our accounts to overdraft. This practice has been going on for several years and has resulted in us paying over {$10000.00} in overdraft fees. The center of our frustration comes from the fact that when we call to inquire about the ATM credits, the bank has no record of the transaction.
I checked my credit report an noticed I had a new collections account that I had no knowledge of and it bringing my score down. I sent a debt validation letter on XXXX XXXX, 2017 and did not receive a response.
I have asked them for a signed contract that was signed by me they just send a copy of old bills I have never had XXXX and only have had att think someone opened it in my name but they will not send a signed contract if they do not have a signed contract they need to remove they have over XXXX of complaints online from being a third party debt collector and all the fans answers was removed from XXXX XXXX times now and they keep putting it back on shady company
We sold our house on XXXX XXXX, 2015. Escrow check never came. Called end of XXXX. Said they did not have address. Checks do not get forwarded. Sent letter with new address ( By the way though XXXX they should have all our information ). Still do n't receive check by XXXX XXXX. Call again. Will send 2 day mail after I complain. Send 2 day mail to old address! Get check and call to make sure I can cash. Dovenmuehle says yes. Cash check in XXXX account. Receive another newer check from mortgage company. XXXX gets returned notice check and charges account. Call Dovenmuehle and explain situation. Also ask for escrow accounting. Never give me {$5.00} service charge back for returned check. Do n't provide escrow accounting. Not the money but the principle of matter. They sat on over {$3000.00} of escrow funds and never attempted to get in touch with us. We have all our banking and insurance through XXXX. Totally disappointed with everyone I dealt with.
This is a complaint against NATIONAL CREDIT SYST. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
There's a hard inquiry on my XXXX report. I didn't authorize this one. Please delete it.
Identity theft/ XXXX, XXXX Bank Delaware XXXX XXXX.XXXX, XXXX, XXXX XXXX XXXX XXXX.
I recently received a second settlement check from American express. This check was the result of a lawsuit they lost for deceptive practices. The check they most recently issued to me bounced. I then incurred bank fees for the dishonored check. I called American express they claim that they have no record of my prior gold card and that they never sent the check. I am still in possession of the check. 
Check number XXXX drawn on XXXX XXXX, XXXX NY. American express XXXX XXXX XXXX # XXXX, XXXX NY XXXX printed on the check.? routing XXXX XXXX? account XXXX {$37.00}. I am seeking the {$37.00} plus {$15.00} for the bank fee charged to my account. Reason code was refer to maker. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I gave up my XXXX and became a XXXX of the XXXX XXXX, I am now in the process of becoming a XXXX XXXX now. I tried to get my credit report but I am unable to answers the questions that it say I have a mortgage, a credit card from XX/XX/XXXX, a new car that was purchased in XX/XX/XXXX in my name. The questions ask me for the monthly payments on the house mortgage, and car loan. I ca n't answer a question I have no knowledge of.
On XX/XX/2017 at XXXX my Paypal account was permanently limited because of an eBay store listing regarding a skin cream. Paypal does the payment processing for my eBay store and now supposedly micromanages what I can and can not sell on eBay. The reason I was given for my account permanently limited was because I can not sell a certain skin cream. There was no warning given and now Paypal decides to hold {$1600.00} of my funds on the account for 180 days. There reason for holding the money was to make sure there was sufficient funds in case of any customer charge backs. I have very few customer charge back and I do n't think holding that high of an amount is appropriate. Currently, I have {$1600.00} that Paypal will not allow me to transfer to my bank account and they are ignoring my inquiries as well so I have nobody to resolve this matter.
My student loans were turned over to Navient. They have really made it hard to make payments. My payments are so high and not affordable. They reported me to the credit bureaus without even giving me a chance to try to make repayment arrangements. My other loan company never did that. They always helped me and accepted smaller payments. Now they are trying to almost double my income based payment without even checking my income. It is so unfair and it is really causing hardship with my credit.
I respectfully request full investigation and based on the information I have provided I request the DEBT RECOVERY SOLUTIONS , LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. DEBT RECOVERY SOLUTIONS , LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
I have XXXX accounts with Bank of America, XXXX is a business account the other is a checking account. I made a {$500.00} online transfer for XXXX XXXX, 2015 from the business account to the checking account. At the time I effected the transfer I was given a transaction number of # -- -- -- XXXX. This evening when I went to transact some additional business I noticed that my account was short by {$500.00}. It seems that there were XXXX ( XXXX ) transfers from the business account to the checking account with the following transaction numbers : -- -- -- XXXX and -- -- -- XXXX. As you will see, neither of these numbers is the same as the original transformation number that I was given. Rest assured, that all my previous transaction numbers that I was provided at the time of the transaction correspond with what later shows up in my online account. 
I immediately contacted B of A. After waiting on the phone for an hour, I was finally connected to someone by the name XXXX who could offer no explanation as to how or why this happened. She said she would transfer the {$500.00} back to my account but she could not do it for value on XXXX XXXX, which is when the erroneous dare I say fraudulent transfer was made by the bank. I asked to be transferred to the manager she said she had just spoken with and I was told there was no manager on duty that could help me which I suspect was a blatant lie.
TransUnion shows an incorrect address in my history. They show an address in a state in which I never lived. There is no way to remove it because no person answers the phone and the phone options do not inlude change of information. My sister is having a similar problem. There is no one to speak to and the option that is needed to further the call does not exist.