WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Equifax Information Services XXXX. XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have listed the items I want to dispute and are highlighted on the attached copy of my credit report : Case ID : # XXXX -- {$2500.00} XXXX County Clerk XXXX XXXX XXXX XXXX, XXXX XXXX Case ID : # XXXX -- XXXX XXXX County Supreme Court XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX The following items are inaccurate because I have satisfied the accounts, and the courts failed to issue a formal tax lien withdrawal notice. Additionally, I would like it removed under the new fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on XXXX, XX/XX/XXXX, states in pertinent part : Tax Lien Withdrawals The IRS will also modify procedures that will make it easier for taxpayers to obtain lien withdrawals. Liens will now be withdrawn once full payment of taxes is made if the taxpayer requests it. The IRS has determined that this approach is in the best interest of the government. In order to speed the withdrawal process, the IRS will also streamline its internal procedures to allow collection personnel to withdraw the liens. 

Additionally, I am requesting that the item be removed from all XXXX credit bureaus, to correct the information. 

Enclosed are copies of my credit report indicating that the account is showing on my credit report. Additionally, I am enclosing a copy of " Form XXXX '' supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : [ IRS form XXXX Release of Federal Tax Lien, IRS form XXXX ( XXXX ), Credit report and IRS Form XXXX ( XXXX ), Notice from the IRS Newsroom dated XX/XX/XXXX in relation to the IRS 's new policy to withdraw paid tax liens, Social Security, Driver 's license, and Utility bill ]
I spoke to 5 different representatives in regards to my acct and could not get any help to what others had told me. 
They reported me as a late payment when I had made the payment arrangement to avoid this because I 'm working on my credit and when addressing the company speaking with a representative stated that it would not be reported. In checking on my credit report that was false. Calling the business, I talked with more representatives still getting wrong information. Saying they do n't know what I was told, but that was not true!!! I do n't think they are being trained the right information I think I was ok to find out I was lied to I asked to speak with a supervisor, and he apologizes as well I asked him to give me a statement for the month of XX/XX/XXXX paid because they are a month behind and they only gave me the runaround. I been with this company since 2013 and expected more professionalism. 
I received only a payment transcript which is not even readable with not knowing what all codes are. And I received this after 6 phone calls and got different answers saying it would take 10 mins, 20mins, 48 hours or I could go online and see it, but that is not even a current update information.
I returned my phone to XXXX  which required me to take a XXXX card and now they are charging me for a phone I returned to them, and put it in dispute resolution but XXXX put it in dispute resolution and still charging me for a fee for buying a phone I returned. 

Now, it is in my report and they refuse to take it off my credit report so I can not get credit so XXXX is asking me for something I no longer have as well as XXXX XXXX, as I tried to register my dispute resolution to take this off my credit report but they refused to let me register.
I XXXX XXXX purchase a pet from XXXX XXXX in XXXX, FL and he was about 4 months old I call to speak with the doctor after taking him to my physician. I advise them the dog had a XXXX and i didn't want to keep him they advise the dog has to be return in 2 days. I advise I didn't want any part of the contract they had me sign and that they were ripping me off just to get the dog off there hands so I spoke with someone from this company advise the dog got sick I couldn't afford him that way and he was taken to XXXX XXXX where they didn't know what was going on without charging {$600.00} to {$700.00} for everything to be check out on the puppy so the following month he past I advise the gentlemen that call and he said ok let me see if i can get a settlement on the account. I never heard back from this company two months later got a call from the same person he was being rude saying you need to pay the bill and advise not paying you all went from {$2000.00}. with 5 payments of {$240.00} a month to now {$4800.00}. That is being reported and it was charge off at XXXX so I '' m filing a complaint on XXXX and the credit reporting agency 's XXXX   This is the email trail to the company never receive one letter. 
XXXX via XXXX XX/XX/17 to me Account Number ... XXXX Merchant Name.XXXX XXXX Dear XXXX, Your monthly XXXX statement is now available for viewing. You may access your statement by visiting XXXX 
For your convenience, and to avoid potential late fees, you can setup your payments to be made automatically from either your checking account or debit/credit card. Please login to XXXX  or contact Customer Service to establish an automated monthly payment schedule that is convenient for you. 
If you have questions regarding your account, please contact Customer Service at XXXX during our office hours listed below. 

Regards, Customer Service XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX PT Monday-Friday XXXX PT Saturday They also block the payment site so I wouldn't able to know what owe and this after 2 1/2 months of not paying this company. Puppy mills should be close down because you never know what kind of puppy you will have.
On XXXX/XXXX/2015 XXXX PM i filed Case number : XXXX requesting that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX be removed from my file as ID theft victim not belonging to me. Equifax responded ; Equifax said : Explanation of closure Please be advised XXXX XXXX XXXX XXXX was verified to be deleted by credit grantor in case number XXXX. XXXX XXXX XXXX account number XXXX was deleted for the credit the file in case number XXXX. 
However it has again shown up on my report. i am requesting Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ID Theft victim can request evidence of endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), or settle in court with law suit. I intend to follow my right if this is not removed within 5 Business days pending any investigation or re investigation.
Homebridge Financial recently sent me an Escrow Statement in which they astutely projected the expense toXX/XX/XXXX but since they conducted the trial balance in XX/XX/XXXX, omitted theXX/XX/XXXX actual from their calculations.

If this payment had been calculated, I would've had an overage of {$100.00} in the account.

Since the impacted payment would be in XX/XX/XXXX, this continued practice by HFS will always throw a shortage on the escrow. In essence, they are calculating the requirement to 12 months but the actual payments to 11 months. 
This practice is contrary to the rules on escrow and could be impacting thousands of consumers, I have called 3 times already and can not get a straight answer.
I have called and asked to be taken off their mailing list several times and a couple months later there is another credit card offer. Today XXXX/XXXX/2015 they sent another. How can I get them to stop. This has happened every 2 months for the last 3 years. thank you
Summary : I signed up for a XXXX credit card issued by the Barclays Bank Delaware. As a new customer, I was supposed to receive a reward of XXXX miles for opening the account after meeting certain conditions ( see below for details ). The bank did not credit me these miles. I reviewed the terms and conditions, and I fulfilled all the requirements for getting the bonus of XXXX miles. I called the bank and spoke to several representatives ( XXXX, XXXX XXXX, as well as her supervisor ). I read them the terms and conditions, but their unanimous response was " this is not how we do it ''. 

Details : The terms and conditions of the XXXX credit card ( issued by Barclays Bank Delaware ) state : '' Premier World XXXX MasterCard cardmembers will receive XXXX bonus miles upon the first use of your new Account for a purchase and after the annual fee ( if applicable ) has been paid. All Welcome Award miles will be credited to your XXXX account at the close of the XXXX billing statement in which the purchase has posted and after the annual fee ( if applicable ) has been paid. The annual fee is considered paid when the cardmember makes payments greater than or equal to the disclosed annual fee. Welcome Award miles are available to new cardmembers only '' I opened the account on XXXX/XXXX/2015. I am a new cardmember, and I had never been a cardmember before. The close of the XXXX billing statement was on XXXX/XXXX/2015. Between XXXX and XXXX, I made several purchases. I also made payments in the total amount of several XXXX dollars. Hence, I made payments greater then the annual fee ; hence, the annual fee is considered paid as per the terms and conditions. 

Since I met all the conditions outlined in the terms and conditions, the XXXX bonus miles for opening the account should have been credited on XXXX. The supervisor I talked to confirmed that I had both made the required purchase and had made payments in the amount of several XXXX dollars, which is greater than the annual fee. However, they claimed they would n't credit me the XXXX miles until the annual fee posts some time in the future. This requirement is not contained anywhere in the terms and conditions. It is frustrating to me that a bank representative tells me directly that they do not follow their own terms and conditions. I am relying on these bonus miles to book a flight and would like them credited immediately. 

To avoid misunderstandings : I received a reward of XXXX miles for spending {$5000.00} on purchases. This reward was credited correctly. It is not the reward I am talking about ( I am talking about the reward of XXXX miles for opening the account which is independent of the XXXX miles bonus for spending {$5000.00} ). 

Both the representative that I first spoke to ( XXXX, ID XXXX ) and her supervisor were not understanding of this frustrating situation, were not willing to resolve it, and did not treat me with respect. The bank should abide to what is stated in the terms and condition at the time of opening the account. Failure to do so is deceptive towards the consumer, something the government should take seriously.
On XX/XX/XXXX my wife and I got a letter in the mail from Wakefield and Associates claiming that they were collecting on a debt from XXXX XXXX XXXX  XXXX  for {$110.00} ( by the way the real debt was actually {$110.00} ). This debt was paid on XX/XX/XXXX 2  days before it was sent to collection and I called to tell them that. I also told them to contact the XXXX XXXX XXXX  XXXX to confirm that this debt had been paid. Wakefield and Associates refused to do this saying that it was our responsibility to pay this. I told them that it should be their responsibilities to make sure a debt they were collected on was valid ; however, they would not do this. Therefore, I contacted our XXXX credit union the bank that issued our bank card used to pay this debt. XXXX emailed me a copy of the transaction proving that the debt had been paid. I called Wakefield and Associates back within 30 minutes of our initial conversation and told them to send me an email address so I could forward XXXX information to end this debt harassment and not to contact us again about the matter again. They gave me an email address and I sent them the information that same day. Today XX/XX/XXXX, I get a new letter from Wakefield and Associates saying that we now own them a different amount from XXXX XXXX XXXX   XXXX  for {$57.00} and stating that we did not send them proof of the payment in the question above. All of a sudden, the amount has changed from {$110.00} after we proved we paid them. I think they know we paid them, but they are making up new changes for financial gains for themselves as our bill from XXXX XXXX XXXX  XXXX was only {$110.00}. We have never had another bill from them. Attached is an actual bill from XXXX XXXX XXXX XXXX and the XXXX statement. Wakefield and Associates are harassing us and trying to get payments that are not due. In addition, they over-inflated the initial charges that should have been owed. On a small scale this is not big but if you look over their entire history they are probably stealing a lot of money by adding on a few cents to each collection case.
I called Freedom Mortgage to confirm that if I paid my loan down to less than 78 % they would stop my mortgage insurance. They confirmed and I did. It was n't gone the first month, or the second so I called back. They said they would submit a request. I assured them this was n't necessary, as at 78 % they do n't have a right to decline a current loan ( never missed a payment ). After a week a MI specialist called back and said that I needed to submit a written request ( nope, see the Homeowners Protection Act of 1998 ) and that they could keep my MI on the loan all the way down to 75 % at their discretion ( nope again, HPA 1998 ). This greatly concerns me because this is the view of a MI specialist so they are probably doing this to everyone. There was a very very clear guidance from you guys last XXXX about this type of shenanigans. ( http : XXXX ) Please contact this company and have them change the way they do business.
In XXXX I made a purchase under {$25.00} using my Macy 's card. The following month I paid the full balance. A few months later I tried to use my Macy 's card but was declined. I called Macy 's customer care and was told that they received the full payment, however there was {$5.00} interest fee applied after the billing cycled closed. That 's why I could n't use my card. I paid the {$5.00} while on the phone with the Macy 's Rep. She told me I had a zero balance. I said I 've been told that before, but look what happened. She stated she would note the account in case additional fees were again applied. About a month later, XXXX XXXX I tried to use my card and again was told it was declined. I called Customer Care again and found now there was a {$2.00} charge sitting on my account unpaid so the account was deemed delinquent. The Rep saw the notes on the account, apologized and waived the {$2.00} but advised me my {$1200.00} credit limit had been dropped to {$100.00}. My credit report now shows that I was 30 days or more delinquent for an amount less than {$24.00}. I 'm disputing the negative rating score. If you pay the balance, that mean 's there 's nothing left owed. You should not be surprised with a {$5.00} or {$2.00} fee after the balance was 'paid in full ' and have your credit destroyed. The most I have ever charged on the card was {$240.00} and I always paid the balances in full within 45 days. On XXXX/XXXX/XXXX I called Macy 's and verified that my balance is truly XXXX, then closed the account. I 've never had issues like this with the other Department stores I have lines of credit with, only experienced this with Macy 's. : o (
Several friends and family contacted me that a company called XXXX at XXXX used illegal phone tactics. In particular a person identifying herself as XXXX XXXX, like telling them they have a file ( # XXXX ) and they needed to talk to the owner of the property I live in regarding a legal issue against me. I have at least 3 people who corroborate XXXX XXXX tactics. When I called XXXX, she refused to provide any info such as their address, and hung up on me.
I am a card carrying XXXX and wanted to see if I prequalify for a special home loan offered under HUD. So I spoke with an agent via email. I did not give my consent or a written or electronic signature to approve a hard credit inquiry. My credit score dropped XXXX points after not XXXX but XXXX pulls in less than 24 hours. And I did n't get an answer weather I prequalified or not. I call this company Monday morning and they kept hanging up on me. I need help.
CHEXSYSTEMS IS A RICO-EXTORTION RAQUET, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO XXXX ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Conns furniture store will start calling me two days before my payment is due and then they text and email as well, today on Sunday XX/XX/18 they have called me 12 times from XXXX to almost XXXX and Im only 5 days late. This has been the way they treat me all the time, I asked them to not call my cell phone and they still do, they wont work with me after I lost my job and Im actually just now five days late. They call me five unlimited different numbers
I tried to have myself added to my wife 's checking account at XXXX XXXX on XX/XX/XXXX. The informaiton from Experian is that they could not validate my dentity, and caused the addition to be canceled. We made several calls to Experian, the 1st rep said this was because someone tried to enter my Social Security too many times and caused it to block, but could not give any additional information. Called, back and was told that there were no blocks and that we would have to file a dispute with a hard copy of my credit. ( I have a copy, and there is no reason for chase to not be able to open the account ) I called again, and asked for a manager, and the rep was nasty, ( XXXX ) and after 30 minutes on hold, hung up on me, because I insisted that a Manager call me back if not available. 

I had an issue in the past with Experian mixing my credit information with another person, and had to have that resolved. There are also notices on there website regarding my information for my email being compromised, but the reps spoken with have no indication of that. 

The bottom line is that there is some issue with my SS # with Experian, they do not know and can not fix it, and I am unable to change banks because of this. I am am homeowner, and just purchased a new car in XXXX of XXXX, and should not have this issue.
For most of this year I have received electronic correspondence from Ace Cash Express. I never was and never will be a customer of Ace or any such lender.

I have repeatedly contacted Ace Cash Express to inform them that I am not their client. I have repeatedly given them my contact information and other personal data to enable them to correct their records. 

However, I continue to receive correspondence from Ace. I am concerned with both identity theft and my credit score.

It is obvious that Ace Cash Express has limited controls over its operations.
I have been a XXXX at an XXXX in a eligible content area and I have repeatedly submitted application to Sallie Mae/XXXX only to be told I 'm not eligible. This has been going on for almost XXXX years and I just get the runaround. First I 'm told that the financing period has expired, or the eligibility period has. When my loan was disbursed and I applied I qualified. After 4 continuous years of getting the runaround the disbursement period did lapse, but that was because they Sallie Mae gave me the runaround. Sometimes it took as long as 3 months at a time to get any kind of response and of course, I was told on XXXX occasions that Sallie Mae lost my documentation AFTER confirming that they had all the necessary documents.
The Equifax " security incident '' resulted in their offer to provide their TrustedID Premier security monitoring service for one year at no charge. 
When I attempted to take advantage of their offer to safeguard my information that THEY put at risk, they required even MORE confidential information as a requirement to enroll. Not only did they require my personal email address and social security number, but they also wanted my personal cell phone number. 

I called their support line ( XXXX ) seeking assistance in waiving the phone number requirement. I phrased it as a general question, but " XXXX '' ( sic ) wanted my email address and full SSN! " This call is being recorded, so it is safe. ", she said. Are you kidding me? Obviously, no information is safe with them. I am surely not going to give that kind of information over the phone to a call center employee! 

Equifax is making things worse by requiring even more personal information. Is there any thing that you are doing to make it easier for victims of the incident to enroll? 

Just curious : Is there any way to force Equifax to purge their files of all of my personal information?
I received a XXXX XXXX XXXX in the mail on XX/XX/18. I did not apply for this card, and the card that I received was not promotional - it is a legitamite prepaid debit card. 

It was mailed directly to my home address, and the pamphlet encourages me to sign up for direct deposit with XXXXXXXX XXXX, and includes a routing and account number. 

I have never heard of XXXXXXXX XXXX and again, I did not apply for this card. I am concerned about why this was sent to me, this companys actions, and how to fix this. 

Warm regards
I was informed that the XXXX account was closed on XX/XX/2018. This account is still reporting as open on my credit report and the days that it is reporting as late is incorrect. They claim to state that the information is verified as accurate in which it is not!
I received a bill from my loan servicer for {$54000.00}. They are charging me for legal fee 's for correcting a lot mix up by the builder. I got a lawyer through XXXX XXXX XXXX to handle the proceedings. Before things were final I received several bills. We responded twice, asking them why we are being charged these fee 's. They responded with a break down of the legal fee 's concerning this case. During this process Bayview has done nothing but prolong the case and cause my husband and I unnecessary stress. I called XXXX XXXX XXXX for advice and they told me that Bayview has been nothing problems and in many instances were in violation of my contract.