WillisBack/dataset-financial-user-claim huggingface dataset:
Collection Agency : Carter-Young, INCXXXX. 
The total amount of this collection is {$830.00} for an apartment by the name of XXXX XXXX XXXX, opened XX/XX/2016. As it stated it was a joint account. This account is closed and I dont know who the other individual is that is on the account. It should not be on my credit as a loan I owe. I contacted the company for them to explain to me why it was there and showing as joint and no one could explain. I need this removed.
Date opened : XX/XX/XXXX Original creditor : XXXX Type : Collection Balance {$350.00} Comments : Account information desputed b consumer ( meets requirement of the fair Credit Repoting act ) The item was updated from our processing of your despute in XX/XX/XXXX. 
This derogatory mark is still on my credit report with Experian. I did a fraud claim and the derogatory mark was removed from the other two credit bureaus.Now its with XXXX and Experian say it's not going to be removed until XXXX. I have sent certified legal documents for it to be removed but it hasent't been removed.
Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX '' XXXX XXXX " late payment XX/XX/XXXX XXXX XXXX XXXX ' late payment XX/XX/XXXX'' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXXXXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX " open account $ XXXX " Transunion, XXXX and XXXX  have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX
Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Equifax has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Equifax, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.
I recently completed a refinance with Wells Fargo. I regret this decision greatly, but so deep into the process I was afraid to back out and start over with a new company. I was not sure of the ramifications it may do to my credit. The entire process took over 3 months to complete. XXXX Normal mortgage processing time is XXXX days XXXX. In the meantime I was mis-communicated to or under communicated to. ( At XXXX point I went a month with no response on the status. ) I was lied to from the beginning with promises that were not granted at the end. Now, they will not respond to me at all. Papers are signed, they got paid so now they do not care. The level of customer service I received was horrid to say the least. Now that I have been discussing this on social media I am horrified by the number of responses I have received telling of thier poor experience with Wells Fargo. I want consumers to be aware that this company does not have your best interest at heart. Of course banking institutions as any business must make money but Wells Fargo crosses the line. They are not there to help, will not answer questions and seem to be poorly trained. At XXXX point I had to seek out a manager and she was just as bad. No follow up, no apology, no explanation. 
They charged much larger fees than other mortgage companies would have as well. 
I have reached out for help within the company and not XXXX person will respond to me.
About 4 1/2 to 5 years ago this XXXX lady went to XXXX dealership to buy a car and trade her van in on it and when she did n't get the vehicle she wanted they hid her van and sold her a car she did n't want for XXXX some odd dollars she took the XXXX because they refussed to give her van back that was wrong and now they are over charging her for this XXXX that XXXX said was paid off so later they repossessed the XXXX and charged her towing fees and more payments in order for her to get the car back. She once had XXXX dollars in her account at XXXX XXXX and now she has nothing because TD Finance Bank just continuing to charge her more and more money and I think that TD Finance owes her XXXX XXXX dollars plus back for upsetting her and over charging her and stressing her out. Please end this war with TD Finance Bank and Stop them for over charging everyone that is doing business with them!!!!
On Saturday XXXX XXXX, 2016, I called the toll free number to Wells Fargo to activate my new debit card. Upon entering my new card number, the next automated response I received stated that my card is now activated and ready for use. I was a bit appalled that the automated system did not further authenticate my information, which raised a concern for my privacy/security. On that same date, I sent an email to Wells Fargo customer service stating my issue. My main concern was that since no additional account information was asked to verify my identity, that basically if my card were to be lost in the mail, anyone who retrieved it would have been able to activate the card and use it. On Monday, XXXX XXXX, 2016, I received a response back from their customer support. The representative explained the process and I felt good about it. However in the response, the representative provided to me a phone number that " was on my profile ''. To my shock, the number that was provided to me was NOT my phone number. Wells Fargo had provided to me another customers phone number. This has further raised my concern for my privacy/security. How do I know if that same representative provided MY information to another customer? This is a very concerning issue to me. The additional responses I had received from Wells Fargo customer support have not been satisfactory at all.
I applied for a XXXX loan with XXXX now known as BIG PICTURE loans i was not made aware of the extremely high interest rate of at 846 percent until after I signed the contract and received the money.i applied for this loan in XX/XX/XXXX and I have been paying XXXX dollars every two weeks toward what they call a finance fee but my loan amount is still XXXX due to them adding a XXXX dollar fee to my loan I was told by the rep that I needed to pay more money toward the finance fee so it would go toward my loan balance this has caused me hardship and I have been upset that I got tricked by these sharks I even went as far as changing my bank information so they could not get anymore of my money
M y Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX   )
This collection agency is harassing me for a regular payment to XXXX which was paid BEFORE THE DUE DATE, and I have the cancelled check.
I took out three installment loans with Big Picture Loans in XX/XX/XXXX. The first was on XX/XX/XXXX in the amount of {$220.00} with an interest rate of 697.0807 %. It has been paid in full. The second was taken out on XX/XX/XXXX in the amount of {$600.00} with an interest rate of 697.0929. It has been paid in full. The third loan was taken out on XX/XX/XXXX in the amount of {$1500.00} with an interest rate of 485.0505 %. I stopped making payments on this loan when I discovered that this loan, along with the other two loans are illegal in the state of Georgia, which is my state of residence. According to Georgia 's interest rate laws, the Legal Maximum Rate of interest for any loan {$3000.00} or less is 16 % and only simple interest. ( 7-4-2 ) The Penalty for Usury ( Unlawful Interest Rate ) is forfeiture of entire interest and a criminal penalty. ( 7-4-10 ) ( 7-4-18 )
From : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date : XXXX XXXX, 2016 at XXXX XXXX PST To : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ; Cc : XXXXXXXXXXXX Subject : CANCELLATION OF TRIAL MODIFICATION Hi XXXX XXXX, This is my official notification that I DO NOT want to move forward with the trial modification that was discussed earlier today and not to process my 1st trial payment of {$1900.00} from my XXXX XXXX Account. 

Due to the trial modification being almost a {$1000.00} monthly increase it will not be affordable and I am looking elsewhere. Also, I was not aware of the balloon amortization that I have investigated more thoroughly. 

Thank you for your time and effort, but again I am declining your trial BALLOON AMORTIZATION TRIAL. 

Sincerely, XXXX XXXX XXXX XXXX Dear Bureau of Consumer Financial Protection, I sent the above listed letter of explanation declining my " Balloon Amortization Trial '' with Bayview Loan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ref Loan # XXXX, with the hopes of continuing to work with " Keep Your Home XXXX '' who was trying to submit my loan with payment. I received a phone call this morning that Bayview Loan Servicing has denied " Keep Your Home XXXX '' the ability to make a payment on my loan and take over my loan. As, explained in my aforementioned letter, Bayview Loan Servicing, will be furhter placing me into a Financial Hardship, while the " Keep Your Home XXXX '' program will help assist me in my situation. 

How can Bayview block a Governement Agency from helping and assisting me?
I am a XXXX year-old retired woman who banks at Bank of America. The only source of income is my monthly social security check. On XX/XX/XXXX at XXXX XXXX, I received a Bank alert informing me that my checking account balance was at {$0.00}. I was surprised and worried and immediately called the bank to get more information. I could not get in touch with the appropriate team ( it was after hours ) and tried again the next morning, XX/XX/XXXX at XXXX XXXX PT. 
The agent informed me there was a legal action against me and provided a number to contact that did not work. I repeatedly told the agent that any money in my account was sourced from my social security check and that that money should not be included/touched by legal actions. The agent was rude, uninterested in helping me. Because English is not my first language, I asked my daughter to help me sort this issue. We both called on XX/XX/XXXX, after a couple of transfers we reached the Legal Order Processing team. The agent was rude, but through several calls gave us a number to call. I asked the agent to transfer me to a supervisor as I was not sure the proper actions were taken to secure my money. I repeatedly shared that the money taken was directly deposited by a government agency as part of my social security and not to be part of any settlement. I expressed my desire to file a complaint. She told me my call did not qualify as a complaint as the bank had followed the right process. I asked again my desire to escalate the call and to formally complain and she responded that there were no supervisors available. I asked for her name and operator ID. She shared her name ( XXXX ),  but refused to provider her ID or department name. She stopped talking to us even after repeated requests and eventually hanged up on us. After several hours the money withdrawn was placed back in both my checking and savings account without an explanation or call. I believe the bank did not follow the right process
received a letter from afni stating that they were debt collecters and I owed a bill to XXXX for over XXXX dollars. I contacted XXXX to make sure and I do not owe any bill.
I received an email back in XX/XX/2018 from Solid Oak Finance after I had applied for a personal loan through a different lender and been denied. I had a need for car repairs and needed to come up with the funds quickly. I completed the loan application was approved and funded the next day from the Cash Advance/Payday loan lender. Since that time I have repeatedly attempted to find out the payoff amount and, on the few occasions anyone has bothered to reply to me, the amount is always higher than the initial loan amount of {$320.00} -- I have now paid {$2100.00} for a {$320.00} loan and have been informed that I would STILL need to pay in excess of {$500.00} to payoff said loan. I have also been told that this type of loan is also ILLEGAL in NC but am not 100 % certain if that is the case or not ; all I know is that I have paid literally thousands more than I should have out of a stupid and desperate need and this company should mark my loan as paid in full and also refund me at least {$1500.00} in the excessive fees. I am attempting to close my bank account to stop this but it is an extremely difficult task as I have numerous household bills debited monthly as well as direct deposits.
Prior to XX/XX/XXXX I had never heard of XXXX XXXX. I never had any communication from XXXX XXXX. I certainly had never signed anything with or from XXXX XXXX. 

I have no knowledge of any alleged account with XXXX XXXX. Period. 

1. XX/XX/XXXX - I received a dunning letter from XXXX XXXX, XXXX. 

2. XX/XX/XXXX - I responded to the above letter with a dispute/please validate letter to XXXX XXXX, XXXX and included a copy of their dunning letter. 

I received no response. 

3. XX/XX/XXXX - I sent a dispute/please validate letter directly to XXXX. 

I received no response. 

4. XX/XX/XXXX - I noticed a new collection account on my credit reports. It was XXXX XXXX reporting as a New Account Original Creditor XXXX ( remark : at least 120 days or more past due ) on my XXXX credit report, New Account XXXX XXXX  XXXX ( no remark ) on my XXXX  credit report and Collections Account XXXX XXXX XXXXXXXX on my XXXX  credit report. 

XXXX had also been using the title XXXX XXXX to describe themselves on my credit reports. 

5. XX/XX/XXXX - I again sent XXXX XXXX a dispute/please validate letter. I also informed them that I noticed them on my credit reports and described their reporting. 

Again, I received no response. 

6. XX/XX/XXXX I disputed the XXXX XXXX accounts directly with XXXX, XXXX and XXXX using XXXX XXXX direct dispute function and the credit bureaus online dispute functions. 

7. XX/XX/XXXX I received an alert from XXXX XXXX. I signed into my XXXX XXXX account and noticed XXXX XXXX had inserted new collection reporting on my XXXX credit report which dropped my credit score 56 points ( according to XXXX XXXX ). 

8. While I am waiting for the credit bureaus to investigate number 7, I have ordered hard copies of my credit reports to see what is being reported to the credit bureaus by XXXX XXXX  that dropped my XXXX score by such an enormous amount.
We paid this debt to XXXX. We paid XXXX XXXX for account # XXXX, Reference number XXXX, in the amount of {$120.00} Last Year. It might have even been the year before. This company, ERC, keeps sending us letters to collect the debt. I've called them to try to clear it up, but they keep sending me letters. What can be done? We do not owe XXXX Any money at all.
when i bought this vehicle and good a loan from crystler capital I paid for GAP insurance and that means that the loan would be paid off if something ever happened to the vehicle. and it was totaL LOSS ON XX/XX/XXXX 2016 no regular insurance I have GAP insurance
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against Experian, XXXX and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,
Medical Business Bureau was disputed and it was removed from my credit report. They then added themselves back on my credit report without notifying me in writing. I have sent this company a dispute letter directly to have this incorrect information removed. I am now at the point of legal action if this is not removed with both this company and the original creditor as this is inaccurate information. As of this date they have failed to respond to my request. The law stipulates that they must investigate within 30days of receiving my letter. They have no followed the stipulations of the law. I will contact the federal trace commission and advise them of your apparent disregard for consumer protection laws.
I had received a XXXX XXXX card and needed to empty the card and deposit the funds into my acct.. I entered the branch location at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and was met with XXXX, condescending treatment.. 

I made an attempt to remove the funds, however the XXXX agent with the dreds was not being helpful, requested that a Mgr get involved.. I have the pin code on the XXXX card, have my BOA debit card, know the access code and everything.. However, I was refused service and pushed off onto the ATM machine inside. I had difficulty with the machine and left flustered and abandoned by BOA.. 

I was able to retrieve funds, however I was charged ATM access fee when, if properly assisted, could have avoided this service fee ... Additionally, due to this problem & impotence of the banking center agents, I failed to get $ $ into the acct timely and now suffered a {$35.00} overdraft fee ... 

Additionally, I am still being debited {$12.00} account fee on both checking accounts ; when I was once given free checking, safety deposit box ... etc due to my Platinum mortgage status. These fees are egregious and XXXX XXXX evident of need to reform the banking industry.. I strongly believe put all banking in prison, " We the People '' are sick and tired of being bled dry!!
I have disputed these item several times however the company refuses to send any concrete evidence that these is my account. I will go one by one. 

XXXX - The name of the creditor is XXXX XXXX XXXX which makes me believe it is used for health related services. As a XXXX veteran I receive all of my medical and dental services from VA. I have requested the information below from the company. 

a. Is this a medical bill? 
b. What services were performed? 
c. Who received such services? 
d. Who signed the original contract? 

XXXX This appears to be a a XXXX XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

XXXX This appears to be a a XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

I suspect I may have been the victim of identity theft but until I receive the requested documents there is no way I can be certain beyond any doubt. All they have to do is provide something, anything with my signature on it which establishes some contractual obligation that is binding on me to pay this debt so I can see who signed it and who signed for the merchandise and/or services. It is a simple request. Instead all I get is copies of old statements and a template letter telling me they verified it. I am also requesting for the company to provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC in the state of Texas in case legal action becomes necessary.
I had an account that fell past due. Very past due. The creditor issued me a XXXX and said the balance was forgiven. However it 's still reporting on my credit report as a balance due. I contacted them to pay it off in full, and they refused payment. They said the debt was forgiven. How is the debt forgiven, but still showing as an outstanding debt on my credit report, all while they refuse to accept any payment from me at all? When I call, they read me a disclosure in the begining of the call saying that It 's past the statute of limitaitons and I am no longer legally obligated to pay. If I choose to pay or make any payment, it will restart the statute of limitations and I could be sued. I immediately tell them I understand and would like to pay it off, and they say " sorry, we cant accept a payment ''.