WillisBack/dataset-financial-user-claim huggingface dataset:
I paid for a facility for my daughter with mental health care issues for 3 months and the last month the provider moved my daughter against her will to a low-level facility causing her extreme emotional trauma resulting in a XXXX. I paid {$5500.00} for the month and the provider paid {$2000.00} for the unauthorized house they moved my daughter to. I am asking to be refunded the last month. I DID NOT RECEIVE THE SERVICES I PAID FOR-
I had received a phone call in XX/XX/XXXX regarding debt with XXXX from FBCS Inc. I told them I did not have an account with XXXX and then received a letter in the mail from XX/XX/XXXX. The letter states I owe XXXX to XXXX. I lived in a rent house and the landlord/property owner had an account with XXXX for our home security. This was not my account, I did not agree to a contract and have never made a payment for this service.
This is another medical bill for {$20.00} that is wrongly on my report because I have full coverage and have paid all co- pays in office. There is no information on my Equifax report pertaining to the creditors or account information and it was removed from XXXX for these reasons.
I reached out to this agency back i XX/XX/2018 regarding some items on my credit there were not mine. I'm trying to go through the first time home buyer program at my church however I dont even qualify. If there is a next step is should take please let me know. Please have these items removed from my credit. XXXX Acct # XXXX and XXXX XXXX.
During the time my daughter was in college, I opened a credit card in my name with my daughter as a card member. After my daughter finished college several years ago ( she is now XXXX years old ) I allowed my daughter to continue to use the card with the understanding that she was responsible for the charges incurred on it. However, she accumulated a debt balance of more than {$10000.00}. At that point, my husband and I decided to pay the card off and cancel the card. I called the credit card company ( AT & T Universal Card ) and requested that they cancel the card. I also decided to write them a letter requesting that they cancel the card. I did not receive any further communication from them. Last year, 2015, I learned that my daughter was still using the card and I was the primary card holder. They were calling me about a late payment and I told them that I had requested that the card be closed years ago. I further told them not to call me anymore regarding the account. They tried to get me to charge fraud charges against my daughter. I told them that in my opinion, I should be filing them against them since they ignored my request to cancel the account after I paid them over {$10000.00}. They are not going to get at my assets by using my daughter who was vulnerable and still is. The currently has a balance totaling XXXX. My daughter is unemployed at the present time, but I did not disclose this to them. I got the information from my daughter today and contacted them about forgiving some of the debt and they gave me the run around on the phone. I have excellent credit and so far that account has not affected my ability to obtain credit. I have no intention of filing fraud charges against my daughter. They committed fraud as well. They need to be held accountable. I do n't know my rights under this circumstance but I am not responsible for the charges to this card.
I have transferred XXXX Euros via XXXX from XXXX to coinbase. It happened on XX/XX/XXXX. Its been 24 days and the money is not yet available in coinbase account. 

Raised 3 different cases with Coinbase. Tried contacting them by mail. No progress on it yet. I really need this amount back.
According to their response on here in regards to my 1st dispute XXXX stated that they 'll remove all the inquiries. Checked my credited report today XXXX/XXXX/2016 none of the inquiries were removed. Contacted TransUnion today and was told my updated credit report was sent to me yesterday on XXXX/XXXX/2016. How did they update my credit report when all the inquiries are still on there. 
When we get a response I want a direct contact name and number because when I contacted TransUnion today they stated that no one has responded to any website in regards to these inquiries being removed.
transunion reported 28 % credit usage and dropped ficos score from XXXX to XXXX, my credit usage is 12 %, i trans funds to my discover card at a special rate leaving XXXX balance, they added both together saying i owed XXXX when it is XXXX, this caused a denial of an account i applied for.
Today, XX/XX/2018, I called my Chase credit card to ask if I could get a decreased interest rate. I currently pay 24+ %. The representative said it was the lowest it could be. I asked how high it could go and she stated she couldnt give me that information. I asked how I could get the rate lower and she said she couldnt give me that information, either.
Having continued economic hardship, ca n't repay loans. Student Assistance XXXX called me directly in XX/XX/XXXX stating they wanted to help, said I qualified for a 30 day forbearance which I accepted, then was assured I could resume payments of {$130.00} XX/XX/XXXX ( after I received a 401k Loan - yes took a loan from my 401k to resume payments ), without penalty, and any past due amount would be made current, and the loans would not go into default. Was assured the IBR was accepted at {$130.00}. Then I logged into Navient 's site and was advised the IBR rate doubled, and they could not honor Student Assistance 's agreement, due to my tax return for XX/XX/XXXX increasing by $ XXXX. I advised Navient that I can not afford anything over the {$130.00}, and understand I owe these loans, but need help by keeping the payment at {$130.00}. I asked them to work with me, as a divorced single mother raising a XXXX child on XXXX income with no child support. They suggested I reapply for an IBR which I did on XX/XX/XXXX submitting XXXX paystubs ( per their request ), I also made a payment of {$130.00} on XX/XX/XXXX ( as promised ), but today ( XXXX/XXXX/XXXX ) received a Notice of Delinquency ( {$390.00} past due ) and threat of Default. This is in complete contradiction of what Student Assistance told me ( recorded call ) in XXXX. I do n't know what to do besides default on the loan if Navient wo n't honor the {$130.00} IBR. XXXX. When I call Navient, I am on the phone for such a long time with someone who only reviews the general options for repayment and then tells me my payment would be nearly {$400.00} if I was n't even on an IBR. I can not reach a manager or anyone who will work with me on an individual basis as someone who WANTS to honor my obligation, but just ca n't make a monthly payment over the {$130.00}.
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$360.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Experian has on three occasions blatantly disregarded my request for a proper investigation into an account. I have shown proof. This time I will show PROOF that even their response to even a CFPB complaint is purposely neglected and mislead the complaint. 

Specifically complaint # XXXX all they did was attach irrelevant policy information to the dispute and lie about the investigation. 

Proof -- -- - their own statement response in the last dispute. " The respective results summaries were sent to you for review on XX/XX/XXXX, and XX/XX/XXXX. The latest results summary, along with a copy of your Experian credit report, will be provided directly to you for review. Please allow up to 10 business days for mailed correspondence to arrive. '' attached is those exact response documents. 

1. the mention dispute with the last CFPB complaint only consisted of one account in question. XXXX not the other accounts they mentioned. 

I only mention XXXX in the complaint. simply reading the complaint will prove that. 

one report they mention does not even mention XXXX the mention report by EXperian report sent XX/XX/XXXX is attached and only mentions one account not XXXX. but this was not included in the last compliant filed. 

2. the second mention report mentioned by XXXX does not UPDATE NOR CORRECT one single item. 

3. what i asked for in the last dispute was the detailed investigation the EXPerian Conducted which is required by LAW. 
What information did you get to verify the account? 

It is at this time that I will point out that in XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

What reasonable investigation did Experian conduct? 

seems that they parrot information, In this CFPB COMPLAINT I am requesting the result and details used by EXPERIAN that was used to conduct this investigation. 

the results I seek are for XXXX # XXXX only in this complaint. 

you must go above an XXXX investigation. 

what public document do you use? 
what did XXXX provide that I opened that account?
I have tried to correct this numerous times with trans union as well as XXXX XXXX XXXX  to no avail. I was looking closer at the paperwork XXXX XXXX XXXX sent me per my request, and on top of it not being my account, it has being grossly re-aged to suite them. according to them I was in XXXX XXXX until XX/XX/XXXX, and I had an account with Nevada power which I didn't, now they reaged the account to the time when they got ahold of it in XX/XX/XXXX which is highly illegal. they feel like they can do what they wish with consumers and get away with it because they have the credit bureaus in their pocket. this is the last time I complain about this on here and seek an attorney if I have to. I need trans union to look into this correctly instead of just asking XXXX XXXX XXXX if it is correct.
I have disputed an account, held by the  U.S. Department of Education,  being reported on my Equifax and   XXXX   credit reports multiple times ( mostly recently on   XX/XX/XXXX     ) without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with th e U.S. Department of Education  on   XX/XX/XXXX     and as of this writing,   XX/XX/XXXX      (  more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed as  XX/XX/XXXX , but the  'Date First Reported '  is listed as  XX/XX/XXXX , and at that time they claim the account was already in collection status. Neither th e U.S. Department of Education n or Equifax or   XXXX   have provided me with the 'Date o f Default ; ' th erefore, this account has not been proven to be mine, nor should it be listed on my credit reports.
There are two erroneous hard inquiries on my TransUnion credit report and the company refused to remove them when I contacted them. 

On XX/XX/2017, I applied for a credit card with XXXX XXXX and authorized an inquiry on my credit report. For some reason, XXXX pulled my report twice in error, one addressed XXXXXXXX XXXX and one XXXX XXXXXXXX XXXX. 

On XX/XX/2017, I applied for a card lease with XXXX XXXX and authorized an inquiry on my report. However, the dealership I was dealing with, XXXX XXXX, also pulled my credit report, without my knowledge and without my authorization. 

As these inquires are made in error / without my authorization, they should be dropped from my report. However, when I spoke with TransUnion on the phone, the representative is adamant that inquiries can not be dropped once made. I found that unacceptable.
Late on one payment XX/XX/XXXX made up payment XX/XX/XXXX made extra payment XX/XX/XXXX 7 years after being 2weeks late on one payment now said we owe 4,000 plus on late fees stating we are late every month, not one time 150 plus faxes with proof we never missed payment. It was late once, have copies of money orders they split up to unapplied funds for 2 months. In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXput it were they put payments unapplied. Putting my account behined, I 've never spoke to same person, 7 years of this stress. Ca n't handle anymore now they are raising our mortgage again. Filed for modification 3 times, each time denied. Was told by last case manager that we would be stupid to open up this can of worms, that is what I Was told. Then sends me paperwork of payments and says you 're wrong. Case closed even though the extra payments were there they still deny. They messed up.
I get multiple daily phone calls from the number XXXX that are hang ups or messages left to call. After researching the number I found a website where many other people experienced the same treatment or worse from the company who makes these calls. It is a debt collection company whose name I have listed below. 
Regional Adjustment Bureau , Inc. 
Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXXXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXXI received my credit report only weeks ago and have no outstanding debt so I do n't know why I am being continually harassed daily by this company and how they are allowed to continue.
I never applied for any student loans ; I never went to college. 
Sallie Mae lists on my credit reports XXXX student loan accounts ; XXXX are Joint, XXXX are Individual. 
The open date and account number on each XXXX account coincides with the same open date and account number on each XXXX account. 
( e.g., open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX )
My mortgage company, Pacific Union refused to pay my homeowners insurance and taxes from the escrow account. As a result our homeowners insurance was cancelled and my husband and I became delinquent on our taxes.
Took XXXX days to get my funds from XXXX act and ten days for the other
I have requested the negative information reported on the 3 credit bureaus to either be removed immediately, or for Chase bank to show me where I personally requested, authorized or signed for this credit card. I have been asking for this information for 2 years. The negative information " appeared '' on my credit report in XX/XX/XXXX. Prior to that, this information was never on my files. Also I had over 10 other accounts with Chase ( several autos, 2 home loans, other personal credit cards, an SBA loan ) totaling over {$500000.00}, as well as checking, savings and investments with Chase. ( They all are excellent pay with never a missed payment. ) I was never contacted by email, regular mail, phone or fax that this account was ever late, or being charged off. I never received any type of bill on this account, ever. The first time I knew anything of it was when I got an alert from a monitoring service indicating my score had dropped almost 200 points. Chase had all of my contact information and failed to ever contact me. 
I have requested numerous times for Chase to show me the evidence that I signed for this credit card, and they never have. They simply reply to the credit bureaus that it is mine, without proof. Recently they have " updated '' my report to show that it was paid " on time '' going back to XX/XX/XXXX. This was never part of my file, and was not on my file until XX/XX/XXXX when they listed it as charged off. Look back prior to then and you will not find this credit card on my file. This is a recent " addition '' by Chase. 
On my last complaint, Chase first of all said on their 15 day report that they tried to call me at a number that is bogus. My correct number is on all 3 credit reports. It is XXXX, and has been for years. Now as a final response, they claim they can't respond to me personally because I am represented by an attorney. I had an attorney try to get information last year, and he was not successful as Chase ran him around to over 20 different departments. He gave up. They also claim they responded to him, and that never happened. 
I am not represented currently by any attorney and ask that they deal and respond only with me. 

I am asking again, for the 20th time, PLEASE provide proof that I signed for this credit card or immediately remove it from my 3 credit bureau files. 2 years is long enough for Chase to deflect the truth and not respond.
I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XXXX XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with Midwest Recovery for {$1700.00} from the cash line! Midwest recovery has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!
I noticed that I had a collection from XXXXXXXX XXXX XXXX XXXXXXXX ( account # XXXX ) on all my credit reports in XX/XX/XXXX. I sent letters to XXXX ( which had Portfolio Recovery Associates ( PRA ) address ) and the 3 major credit reporting agencies for debt validation of the account. I mailed my first letter to PRA on XX/XX/XXXX, and mailed a letter to XXXX, XXXX, and XXXX  on XX/XX/XXXX. I received a letter from PRA with XXXX XXXX statements, but my credit reports show the account was XXXX and just opened my first XXXX XXXX charge account in XXXX which has never been late. I sent another letter to the credit reporting agencies and PRA that was notarized that the data wasn't correct and to revalidate it. All the credit reporting agencies came back as validated and PRA responded with a letter dated XX/XX/XXXX that the dispute alleges no new facts, so they will not respond to my request. 

XXXX shows PRA as the original creditor, but XXXX and XXXX  show XXXX as the original creditor and XXXX is also listing XXXX as a Factoring company which PRA is not and now PRA is showing a payment history of Failed to Pay ever month since I sent the first debt validation. 

XXXX is shown as the original creditor on 2 of the 3 credit reporting agencies and after calling XXXX on XX/XX/XXXX, they had no knowledge why PRA is using their name since they said that PRA no authority to report as XXXX. 

Portfolio Recovery is knowingly reporting false information to the credit reporting agencies, which is damaging my credit rating. 

Here are the issues with my credit reports : PRA is false representation themselves as XXXX without authority from XXXX PRA is listing as a Factoring Company when they are legally a Debt Buyer PRA is now showing a payment history in retaliation to my debt validation in XX/XX/XXXX PRA is listing One Month Terms and I have no terms and/or agreement with then PRA set the Delinquency First Reported to a date after they received the debt to re-age the account PRA and the credit reporting agencies failed to comply with its obligations to investigate and remove incorrect information. 

After getting legal advice about the issues above, I was informed that the credit reporting agencies and PRA are in violation of the following FCRA & FDCPA violations : 15 U.S. Code 1692e ( 8 ), 15 U.S. Code 1692e ( 10 ), 15 U.S. Code 1692e ( 14 ) & 15 U.S. Code 1692f : ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
I received a late fee and interest charge on my XXXX 2015 statement and then subsequent interest on my XXXX and XXXX statement. I sent in a message about the XXXX fees just after the statement was cut and the request for a refund was denied. I then called on XXXX and described that I was having trouble with my account because I stopped receiving statements and the rep looked into the problem and stated that I was supposed to be getting emailed statement notifications but that a rejection email was sent back from my email address in XXXX. Due to this inconvenience and the length of my account he stated he would waive the fee and interest. If that would have been waived I would not have received interest in the XXXX subsequent months. 

I have spent many hours on this issue between phone calls, messages, and an hour and 1/2 chat session tonight with another rep.
I woke up today ( XX/XX/XXXX ) and noticed I had been double charged and triple charged on ( XX/XX/XXXX ) for a previous purchase this month from " Coinbase '' the digital currency exchange. XXXX, XXXX, XXXX, XXXX - Totaling XXXX I've e-mailed Coinbase 3 times and gotten generic responses and couldn't get anyone on the phone. My bank acct is in the negative now and I'm fearful I will incur some overdraft fees because of this. 

Thank you
Contacted company and I have unauthorized inquires from companies Inquires areXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.