WillisBack/dataset-financial-user-claim huggingface dataset:
They call me 5-6 times a day asking for an address to send legal paperwork to. Then they tell me that they can only discuss what the paperwork is about and update my information if I provide them with the last XXXX of my social security number. They said they have the entire number in front of them but federal law requires that I verify my identity by telling then the last XXXX.
Southern Management Systems is currently attempting to collect a debt that I do not owe. My original contract with XXXX XXXX, was paid in full. Before Southern Management Systems obtained this " debt, '' I asked for validation from XXXX XXXX. I have NEVER RECEIVED VALIDATION that this debt is owed.
On my Equifax Credit File : my XXXX XXXX XXXX XXXX Credit Card and XXXX XXXX XXXX Credit Card are reporting the incorrect : Date Opened. I opened both of these accounts on XX/XX/2016.They both have Date Opened dates of XXXX/XXXX/16. I have disputed this error three times with them and still know resolution. Please contact Equifax and have my Credit File updated correctly.
According to my recent credit report request from Equifax, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to EQUIFAX, XXXX, XXXX, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX  Account # XXXX Being Reported to EQUIFAX, XXXX, XXXX  CHARGED OFF ACCOUNT BAD DEBT XXXX  Account # XXXX Being Reported to XXXX, XXXX  ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to EQUIFAX, and XXXX  ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To EQUIFAX, and XXXX ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX  XXXX XXXX/XXXX XXXX Being Reported To XXXX  ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To EQUIFAX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX  ( PLACED FOR COLLECTION )
In XX/XX/2015 I leased a XXXX XXXX ( three-year lease ) and received financing from XXXX XXXX I set up automatic payment for all payments. 

Recently, they are claiming that I have one remaining payment. I asked them numerous times to send me via US Mail or email a copy of the statement -- especially as there are other charges ( disposition fee, and wear-and-tear ). 

They told me they would send via certified mail the statement, but I have not received anything yet. In the meantime they are harassing me with unlimited telephone calls demanding that I pay. I believe I have a right to a paper or PDF copy first.
As of XX/XX/XXXX this year i will be graduating XXXX XXXX so I decided to pull my credit. I have credit inquiries form XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.
I was told by the XXXX major bureaus that I had to contact the creditors for the inquiries on my report that is n't mine. I was told that they could n't do it. So I contacted the creditors with the information provided by my credit report. I sent each and every company a letter disputed that I have not applied for this credit and to pleas remove from my report. After 45- 60 days. I sent the responses to the XXXX bureaus and also sent some the the mail as insufficient address. Meaning it was n't accurate. I sent all the information to the bureaus and they still did nothing. I called each one and they claim that they still was n't going to remove it. They claim that u need to contac the creditors. I told them I did. You hv some letters stating that the company does n't have I for. A few letters stating that the inquiries was not hard. Also return address and no accurate phone number. I was like I 'm using the information that you allow the creditor to report and the results is this. Each bureau have all copies. They refuse to help me. I pay Experian XXXX and XXXX to be apart of there services and they have been horrible to me. I also have a few collection accounts that are not mine and the companies have yet to prove that. My identification was stolen about 8 years ago. However I did n't make a report because I was not aware that I needed too. I just went and got got new identity. Not realizing that it was important for me to do that. However I was told that I needed too. So I do have a police report. I just want theXXXX bureaus to treat me with respect and just stop letting peopl report items to my report just because they are paying them.
On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX SP XXXX at the XXXX XXXX XXXX courthouse in front of an alleged assistant clerk named XXXX XXXX XXXX acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ) .The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside of her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The alleged assistant state court clerk allowed a debt collector 1692a ( 6 ) who was attempting to collect a personal, family and household debt 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. The clerk threatened me stating she would call the bailiff into the room because I was objecting to statements made by a debt collector and because I asked if the court had given the debt collector prior written consent before they contacted me. The clerk was disrespectful to me by stating that I was to keep my mouth closed and only speak when spoken to ; and making statements that I should have gotten an attorney when I objected to my personal and private contracts being placed in the public record in violation of privacy laws. The assistant state court clerk additionally began advocating for the debt collector that an alleged debt was accelerated and I was given notice when I objected that I had not and asked for proof of delivery. For these reasons and the conduct and behavior stated above I am placing the complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau.
I had an account with furniture row and was having monthly payments taken out of my account. The decide to go with another bank and closed my account without notification because the chose a different credit card company to go with. I notified the credit bureaus because it causes my credit score to drop. I am having major problems with Equifax I called them because my score has dropped like 50 points in the past month. I have no new loans or credit cards and no new delinquent accounts Shows nothing has changed but my credit score keeps dropping. I am concerned there is a breach or something happening on my report. My transition had dropped some but not like Equifax. I contacted them and they couldn't give me an.explanation I have a fraud alert already on my accounts. I have done nothing for my credit score to drop that much and I need an explanation. I have seen.my credit report and I can't find anything different besides furniture row doing what they did. That account has always been in good standing and they close that account on.me and it's affecting my credit report and it isn't my fault. Please look into Equifax. Something is going on. I have read online that other people 's scores have been dropping like that too for no reason and the main problem.was Equifax. I am.very concerned. I also have a XXXX XXXX  in collections for {$620.00} and I no recollection of this account. I have disputed it and it is fraud and they say it's accurate and it's not my debt. It's fraud.
They are unwilling to assist in a dispute on my Care Credit credit card. The dental provider overcharged me, synchrony said they researched it and are siding with the provider. When i asked why it 's because they have to take into consideration the provider 's claim. But not mine? just because they 're a business? this does not mean they are incapable of scams, which I explained to synchrony. I also, several times, explained that my insurance paid they 're part after i paid what was an estimation during my initial consultation. The estimation turned out to be inflated, and was actually more than my contracted rate so i am due a refund. Synchrony told m several times to either take this up with my insurance or small claims. Why is my insurance going to pay me the difference? the credit card needs to take this off of my account and deduct it from payments to the provider! I also pointed out that the written statement from the provider actually proves my point that I am owed a refund, as it says the amount due by me is less then what I was charged. My billing ledger from the provider was doctored to show a zero balance by contradicting what they said in their statement to synchrony. When i ask about this i am told they go based on the ledger not the statement. So the fact that it does n't add up did n't raise red flags to at the very least keep the investigation going until it can be clarified? Nope they just find it easier to make me feel like I 'm the scammer. No help, no empathy, no apologies, just constant interruptions and frustrated responses were all I got from Synchrony. They also say I signed a contract, which it was not..its a treatment plan ( estimate ) that clearly says the charges may change due to unforeseen circumstances and this is the charge AS OF NOW! Come to find out, many other consumers have dealt with similar and many other various issues from Synchrony and Care Credit.
Fair Collection and Outsourcing, Inc did not investigate and verify with the original creditor the amount that was owed. They send me a bill instead and forced me to pay it. This alleged debt was from an apartment complex. Up to this day, this company refuses to verify the correct amount owed to the original creditor. I since then made contact with the original creditor and they can locate any balance owed. 

This company needs to be investigated about its practices. They are violating FCRA.
Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALLof the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message. Several days later I received mail that appeared to be the result of XXXX verifying that all of the requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.
I closed on a 15Y conventional mortgage with KeyBank. I requested all documents go to my address on file ( prior home ) and not the new home. I confirmed this with my mortgage banker, XXXX XXXX. We never received a statement to may the first payment in XXXX. XXXX. XXXX  was able to get it and email me a copy. Two weeks into XXXX, I still had received no documentation from KeyBank since closing. I contacted XXXX. XXXX again and he asked me to call the XXXX number and as this is the job of the folks at that number. I did so and spent 45 min on the phone trying to get things sorted out. As of today, XX/XX/XXXX, I have received a paper address change form with no return information explicitly stated on it nor a return envelope and no further paperwork. I called again this XXXX and was told that they " always '' send the paper confirmation and that is why the previous person did not tell me it was coming. They blamed me on more than one occasion, stating that the problem must be that my mail forwarding is the problem. My mail was not forwarded untilXX/XX/XXXX. Two different people have no idea why, I am not receiving anything. The only answer today, was to transfer me to the online bank dept to enroll and pull up my statements electronically. I have been trying to accomplish this for a month already and it always tells me it can not confirm my account. I was able to create an online profile this, but the person on the phone failed to verify my ID using " public record '' questions and told me he could not longer help me and I could call back or go into a branch.
XXXX charged me for In Home Service XX/XX/XXXX. It wasn't In Home, it was Outside, which is XXXX 's Responsibility. I have a hand written note from the Tech stating can't deliver new cable signal under the driveway, Service cancelled and monthly amount auto paid in full throughXX/XX/XXXXuntil service cutoff. I was never contacted by XXXX or Diversified. I have a XXXX XXXX Account and got an alert around XX/XX/XXXX that a negative report had dinged my score by 100 POINTS! Diversified Consultants had made a negative report against my credit to all 3 agencies for an erroneous past due balance from XXXX for {$190.00}. The minimum amount that can be reported is {$100.00} and the charge is fabricated and piled on by fraudulent interest charges. Diversified has literally thousands of complaints and bad reviews online and I won't even get into how I feel about XXXX.. These bottom feeders used the negative credit report in retaliation to try and flush me out and frighten me into paying an erroneous past due bill. This is a clear violation of the Fair Credit Reporting Act by both XXXX and their hired henchmen, Diversified. They need to be brought to task for these kinds of tactics. They should be punished to the full extent of the law and have their licenses revoked. I have registered disputes with all 3 credit bureaus, XXXX XXXX and have alerted all my creditors. XXXX has already removed the negative report. However, that does not undo the damage already done. It will take months to get the 100 points back. I'm self employed and this makes it next to impossible to run my business. I want these people punished. I'm seriously considering hiring an attorney because there are clear damages. Thank you, I appreciate any help you can offer me.
I have multiple inquiries from he following companies - i did not authorize these requests for credit. I 'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed : XXXX ( 2 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ( 5 ) XXXX ( 4 ) XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX ( 3 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) i would like them removed from my credit file
Transunion is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about XXXX and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said XXXX and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.
American Express has been charging my credit card {$14.00} a month for the past 6 years for a product named XXXX I have a serious Identity Theft issue that has resulted in me being reported as deceased on all XXXX credit bureaus and a company with a data breach that exposed all of my personal information. I contacted XXXX who informed me to contact XXXX XXXX company to get a copy of the policy and proceed with a claim only to learn months later that my claim was denied and I still have these score of XXXX on my credit report stating that I am deceased. I 've had to retain an attorney on my own because this XXXX XXXX XXXX is deceptive and misleading and you wo n't know it until you have a claim and it covers nothing as it is advertised. American Express has charged me a total of {$1000.00} in the past 6 years and I demand all of my money back immediately. I 've called Customer Service for the past month been hung up on by supervisors and customer service representatives. I 'm trying to resolve this matter with American Express in a professional manner without civil action.
I have XXXX joint mortgages ( I accumulated with my ex-wife of almost 20 years ) my credit report and I only own XXXX home. On XXXX XXXX, 2011 I was amicably divorced without legal representation.My divorce decree clearly list XXXX of the mortgages as the debt of my ex-wife. Number XXXX was gifted to my ex-wife and there is a quit claim deed on file. I have no ownership and yet I am being held hostage whenever my credit is reviewed.
universal acceptance corporation was asked not too call my references they were calling them because i had a bill with them and they kept calling them i have filed a complaint here befor and they agreed not to call but the calling has not stoped and my references have asked them to stop and they keep calling them
I owe XXXX on XXXX XXXX/ XXXX the Exuifax shows 10 different accounts equal to XXXX i disputed but the Exuifax will not fix the issue many times i tried no luck i can provide further info about this, i tried to contact the XXXX they will not help The XXXX , XXXX XXXX   XXXX is closed ACCOUNTS but they refuse to update I WANT THIS UPDATED, AND I GOT A LAWYER INVOLVED AS WELL
In XXXX I filed for bankruptcy. Pentagon Federal Credit Union XXXX PFCU XXXX held the mtg to a property that I owned, so they were named in the bankruptcy. There were, In fact, a large part of the reason for the bankruptcy, which I is part of this complaint. The first reason I am filing a complaint against them This past week I called to close a member account I had with them. I kept receiving statements even though I have not used the account since XXXX. The account balance was {$5.00}. When I told the C/S Rep what I wanted he said he needed to transfer me to the Delinquency Dept. I asked why as I did not have any open accounts with them. He said I had caused them to lose money and my accounts were being treated as delinquent! I asked if he knew that I had filed for bankruptcy in XXXX and these debts had been legally discharged. He said he could only tell me what was marked on my account. He then transferred me to XXXX in Delinquency Control. She said my account was being treated as delinquent, and that the notes indicated I had caused them to lose money. I told her this was illegal. The debts had been discharged, and PFCU played a large part in why I needed to file for bankruptcy. She said she would send a request to XXXX XXXX in the Bankruptcy Dept to see if he would close the account and release the {$5.00}. They were to notify me via em. Instead i received a check in the mail for {$5.00}. So, the first part of the complaint is : I have yet to know whether they are illegally treating the debt as a delinquency and if there are still derogatory notes against me. 
The second part of the complaint involves why I ended up filing for bankruptcy. I purchased my property in XXXX under a FHA loan. Then in XXXX I became XXXX and be XXXX I had used up most of my savings and was unable to work. I was living on social security. I had a secured line of credit against my property for {$67000.00}. I requested an increase of {$20000.00}. for living expenses. Normally XXXX would pay off the {$67000.00} from the old line of credit and then issue a new line of credit for {$89000.00} with a balance of {$67.00}. So when this was not done and I had two lines of credit, one for {$67000.00}. and the other for {$89000.00} I called them. I was told not to worry I qualified for XXXX. By XXXX XXXX lines of credit were used and I was having problemskeeping up with the payments. PFCU admitted their mistake but refused to help me in lowering payments. XXXX XXXX XXXX of PFCU suggested I pay them off by taking a new conventional first mortgage through them. I told him the new payments would not allow me to pay anything else. I was told this was the only solution or PFCU would take me to court. I still have the paperwork that shows my income and the new payments that I received from them. If this is n't predatory lending I ca n't imagine what is. The end result is PFCU paid off the two lines of credit and I ended up unable to make the payments. I have all the paperwork including the lines of credit.
Credit management reported XX/XX/2019 this is in dispute I received your alleged statment onXX/XX/XXXX by us mail. where I disputed this on the same day I received it You then reported to the CRA 's on the XX/XX/2019 before that I NEVER received any documents from you. enclosed is a affidavit of fact I request that you respond to the Questions. you are in violation of FDCPA, And FCRA regulations. Olease not section 73 American Jurisprudence { Am Jur } 2nd <sect 93 States You have no right to report to credit reporting companies and no right to claim I owe you any alleged money on a alleged account that my name nor your exist on .I do not give you the right to report to CRA 's this is considered Fraud on your behalf. I take threat 's very serious so stop the threats
On XX/XX/XXXX was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX XXXX problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its Chases problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.