WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute with Equifax for incorrect information in my Credit Report Dispute Number : XXXX, they said it was still open. Please refer to XXXX. Today they closed the dispute saying the account is mine. They have failed to provide proof of ownership of the account. I have contacted XXXX XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. There is an account that does n't belong to me, and I have explained to them I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! 
Please have Equifax provide proof I opened the account in question, the purchases that were made and signed documents, otherwise if they still insist in keep the account there, I will escalate this to the FTC, my state attorney general, file a complaint with the XXXX, and will sue Equifax.
I am now getting harassing emails on top of the phone calls. 
Here is the latest email : Loan/Debt information Reference No : XXXX Due Amount- {$970.00} Loan Company/Lender- ACE INC. 



We are here by to inform you that you are going to be legally prosecuted in the Court House within couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX. At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter. 



XXXX XXXX XXXX XXXX Has Stated XXXX Serious Allegations Against You And They Are : ( 1 ) Violation Of Federal Banking Regulation ( 2 ) Collateral Check Fraud ( 3 ) Theft By Deception ( XXXX ) And The Biggest One Is E.F.T. That Is Electronic Fund Transfer Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 



WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 



And once you found guilty into the court house than you have to bear the entire cost for this law suit {$4200.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you. 

We believe that this was not your intent and that these steps are unnecessary. 



We merely require you to contact our recovery asset location department at XXXX between XXXX to XXXX ( EST ). 



IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL OR CALL US BETWEEN WORKING HOURS ON XXXX OFFICER XXXX XXXX, ACE ATTORNEY Copyright 2006 XXXX | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communication Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$1100.00} not mine
I had to ask to receive final numbers on selling my house and only received the title company Settlement Statement on XX/XX/17 for a closing that was to take place on XX/XX/17. I never received the Closing Disclosure throughout the entire process.
I attempted to use my Sears Citi credit card for {$1600.00} purchase for a washer and it was rejected even though I had zero balance and {$2000.00} limit. I contacted them and was told they chose to put a hold on my card because $ amount was outside the scope of my normal purchase range person and this hold protected me.This hold discriminates against the consumer with a low credit limit and small purchase history for small purchase and payment history. Am I to know that a reasonable person should call ahead to get permission or is this a way for the credit card to anger the small user so that they will cancel their card is costly to credit card company to maintain the account. Also the attitude and demeanor when called the customer service line was that use of the card was up to them and not me. I believe the whole experience was very embarassing and the credit card does not care whether I ever use their card because I am a small fish in a very pond. XXXX XXXX e-mail XXXXXXXXXXXX
I have a loan through Ally Financial. I recently went through the loss of a job so I had requested a deferment for 60 days. That was approved. I followed their instruction for the deferment and paid them {$320.00} on XXXX XXXX. I was to then wait for the paperwork and send it in as soon as I received it. I never received it - I called and they said they would send out again - again, never received it. I called them and they said that they would send it out again. Since there was another payment due in the meantime, I asked how that was going to be handled. They responded that there would be no additional charge and that I would receive my paperwork soon. It has been almost a month. I have called every day, I have got a different story and a different excuse every day regarding this deferment. I am extremely frustrated and I think they have been negligent by not being honest with me. I am concerned because my account says I owe and all I want to do is have this deferment be complete. I finally received paperwork - that was incorrect - they said that I should just sign that one and indicate on it that the amount was incorrect. I scanned it and sent it in ( not thinking it was a good idea to sign an incorrect document ), but who knew when I might get a replacement correct document. I just got off the phone with them now again and they said it is in progress, please wait 24-48 hours. I have been waiting over a month .... ARGH!
On XXXX XXXX, 2016 XXXX XXXX XXXX, Executor of the XXXX County Florida Estate of XXXX XXXX deposited {$40000.00} into USAA checking account # XXXX from the account of the Estate of XXXX XXXX at XXXX XXXX XXXX. The purpose of the deposit was to use most of the funds to pay me for my 14 months of consulting services, expenses, travel and loans to XXXX XXXX at his pleading in successful pursuit of his claim as beneficiary of the contested handwritten Will written just prior to XXXX XXXX XXXX. 
The deposit was made via photo image in telephone consultations with a USAA representative. XXXX XXXX authorized direct payment of my credit cards totalling {$26000.00}, Additionally he issued USAA check # XXXX dated XXXX XXXX, 2016 for {$9600.00} for a combined total of {$36000.00}. Credit Card payments : XXXX : {$990.00} paid XXXX/XXXX/16 XXXX XXXX : {$1400.00} paid XXXX/XXXX/16 conf code XXXX XXXX : {$8800.00} paid XXXX/XXXX/16 trans XXXX XXXX : {$3600.00} paid XXXX/XXXX/16 XXXX : {$4500.00} paid XXXX/XXXX/16 XXXX : {$3300.00} paid XXXX/XXXX/16 XXXX : {$1800.00} paid XXXX/XXXX/16 XXXX XXXX : {$1600.00} paid XXXX/XXXX/16 On XXXX/XXXX/16 all credit card payments were rescinded by USAA without notice to me. Dishonoring an item properly payable is a violation of XXXX also bringing responsibility for consequential damages proximately caused The check was deposited at XXXX XXXX on XXXX/XXXX/16. It was returned as " unauthorized '' on XXXX/XXXX/16. 
XXXX XXXX will not return my calls. My demand letter to USAA 's legal department resulted in a call from a representative named XXXX XXXX @ ( XXXX ) XXXX. On XXXX/XXXX/16 she informed me that XXXX XXXX claims the payments were not authorized. That closed the matter for USAA without further details due to legal privacy considerations. 
Clearly the payments were authorized or USAA would not have paid them initially. XXXX XXXX changed his mind 3-4 weeks after final payments were made under his authorization. If USAA investigated in any meaningful way it did not include contacting me to hear my side of the story before taking such a drastic and harmful step. 
Regarding the stop on the check I do not believe it was in compliance with UCC 6A4-403 or confirmed in writing within 14 calendar days as required. This is not only a breach of the contract represented by the signed check but a criminal offense of obtaining money/services under false pretenses. 
My remedy is reinstatement of the credit card payments, payment of the check, payment of proximately caused interest, late fees, emotional distress and damage to my credit rating.
I am financing a car from a dealer and was approved from westlake financial for  XXXX with an apr of 24.99 % with 66 payments of {$410.00}, which is really high for me for a first time and they provided me a credit score from FICO and when I called them to ask for an extension they said I needed a 4 payments to obtain an extension and they said that it is from the company policy which I ask to provide a proof and they were denying that request to provide me a proof, and when I payed one of the month it says the interest and principal, when I took out the car they recommended me a GAP in order to drive the car paying {$200.00}
I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Equifax credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX on XXXX/XXXX/XXXX 2 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX 3 ) XXXX XXXX on XXXX/XXXX/XXXX 4 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Equifax credit report. 

Thank You For Your Time.
I have a judgement listed on my credit report for 1 Stop Cash from XX/XX/XXXX from the XXXX Al Location. Well i dont remember any details from this account its says that I owe {$410.00} to this place. Well the issue here is is I applied for a mortgage and this judgment shows on my credit. The mortgage company wants me to satisfy this judgment before they will enter the homebuying process with me. I went to this location of this alleged one stop and its out of business since XX/XX/XXXX. then i proceed to the courthouse for more information and all they had was a docket # with no details and stated that I had to pay the owner. Well if the owner is nowhere to be found how can i settle this debt. I 'm not trying to avoid the payment i just want a home as i will soon be homeless. My landlord gave me thirty days to purchase this home because he wants to sell it. If i ca n't pay the courts and ca n't locate the owner this situation can never be rectified. It my understanding that a public record stays on your file for at least 7 more years after its satisfied well that means if the owner supposedly dropped off the face of the earth then it will remain permanently. I 'm severely irritated by this matter and it causing me extreme stress. As a consumer who wants to start over and right any wrongs that may have occurred i feel as though I 'm not afforded that opportunity to do so. Someone please help me in regards to this matter I desperately need assistance thank you.
XXXX XXXX XXXX ( as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client XXXX and XXXX, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for XXXX and XXXX XXXX XXXX and XXXX ( as XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from. 

The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false. 

The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.
After three attempts to provide me with a bed mattress that worked for me, XXXX XXXX agreed to issue a full refund for the purchases to the lending agency they offered to me. 

I have been going around for several months between XXXXXXXX XXXX anXXXX XXXX  XXXX about an unresolved credit refund issue. 

XXXX XXXX says they issued it, XXXX XXXX says they never received it. 

I get nowhere with either company and can not find anyone who can help me get the two communicating to resolve the issue. 

I am receiving threatening letters from XXXX XXXX now about being turned over to a debt collection agency for a balance that XXXX XXXX says I do not owe. 

I have never had even a blemish on my credit history before dealing with these two companies and I want some resolution.
After making several calls to transunion and sending out several certified letters with the return receipts, regarding the following inquiries : 1. XXXX Fa XXXX 2. XXXX 3. XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXX 7XXXX 8.XXXX 9XXXX XXXX 10.XXXX XXXX XXXX XXXX they are reporting on my credit report. tRANsunion is reporting not yet proven compliant information. TransUnion has detailed on my credit report. Reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead Trans Union ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.
I received a letter ( dated XXXX/XXXX/2015 ) from HSBC Bank USA , NA that asked me to verify my current address and acknowledgement of my HSBC deposit account. I filled out the form, had it notarized, and mailed out the form on XXXX/XXXX/2015 to the address provided. However, two weeks later, HSBC claimed that they still have not received the form and that they have no knowledge about the status of the matter because they engaged a XXXX-party company to conduct the process. 

As a consumer, the only contact information that was provided to me was the XXXX customer service number of HSBC. I have no contact info about XXXX, the XXXX-party company that HSBC engaged, and HSBC refused to provide any further contact info. I have tried XXXX times and spent hours of my time talking to a number of HSBC associates, none of which, however, was able to provide any meaningful direction or assistance regarding this matter. I feel completed lost during the process, as the answers/responses provided by the HSBC associates are inconsistent and even contradictory. 

This is a time sensitive matter. According to HSBC, I have less than 30 days to respond ; otherwise the fund would be considered " abandoned ''. However, HSBC is not taking the appropriate steps to handle the case in a timely manner, and is not providing a cooperative way to work with the consumer.
I do n't work and I 'm on XXXX they already know this and they are not allowed my law to threaten to put a lien on my accounts
In XXXX XXXX our payment increased on our second mortgage loan. I started the modification process with SLS mortgage and still have no resolution. They do n't call me and when they do I found out they do n't leave messages. They have my address wrong so I have n't gotten any communication from them denying my request for modification. When I called they said they were working on it. Turns out it was denied and no one bothered to tell me. It was denied on XXXX/XXXX/XXXX and I called and found out of the denial on XXXX/XXXX/XXXX. This is causing stress, delinquencies on my credit report. I understand we needed assistance on the mortgage payment but they were supposed to do their part too. They are rude and condescending to me when I call. I am not in a situation to refinance so I am stuck dealing with them and they are making it impossible.
I tried to work with XXXX XXXX and I asked them to stop taking bi-weekly payments for a week or two and when then would not I closed my bank account. A few month later they sent my information to a collection company called Clearview ever since I have been getting non stop harassment calls. They call family members including my elderly parents and my dad who is extremely ill with XXXX XXXX. I'm including everything that I found on this company plus email that I sent to them trying to resolve the issue. 
I have been wanting to pay them by either a cashiers check or money order and they do not respond to my request. I even spoke to them and they only want my current bank information or debit card number which I refuse to give. XXXX XXXX did offer a settlement of {$700.00} and no one has responded to that email. Now, for every harassment call I receive I'm deducting for what I owe them since I feel they are not really interested in settling they only want my bank information to continue to take money out. 
Here are a few of the numbers that continue to call, it changes dailyPlease stop the harassing calls. I got two more today. I sent you several emails ( see below ) and I have requested an address so I may send a money order or cashiers check.

I do not want calls. I want an address and will send the settlement per my conversation with XXXX XXXX and for ever call the settlement goes down for my pain and suffering of being harassed ; so now it's {$610.00}. 
XXXX XXXX XXXX -XXXX. XXXX XXXX XXXX - XXXX XXXX phone numbers. 
They tell me the authorities will be coming to arrest me and they are taking me to court.
I have not received the promised XXXX XXXX XXXX Advantage points for meeting the requirements of the promotion, XXXX, for my new Citigold checking account. In communications with Citibank representatives via both phone and secure messaging, they confirmed that I qualified and met all requirements in the required time frame. They promised that all points would be deposited by XX/XX/XXXX, but no points have yet been deposited.
I have made many attempts to try and resolve the claimed outstanding debt but the company will not speak with me. They claim account is in a status they can not speak to me about yet they continue to report to credit and they do not allow me to make any resolution
When I try to open an account with XXXX XXXX at XXXX, XXXX XXXX XXXX, CA XXXX, they run the credit report ( ChexSystems ) and the credit report history come out with XXXX unpaid/account abuses. I never banking with those XXXX banks and called them to find out what is going on. Both of banks said I did n't banking with them before and do n't even an account with them. Also I run another XXXX credit reports separately but none of them had same or any unpaid records. I think this Chex Systems report is wrong and want to corrected. Please help me out on this case. 
Thanks, XXXX XXXX
Applied for a mortgage with JP Morgan Chase in CT. We were diligent in providing all required documentation timely and by or before deadline dates. Followed up regularly on progress and were told we would be issued our commitment letter early ( Due date for commitment was XXXX/XXXX/16 ). Were told that an XXXX/XXXX/16 closing was fine so we set up our closing with attorney. On XXXX/XXXX/16, after continued follow up re : commitment letter, we were told we would not receive letter on time because mortgage company was " swamped ''. We called and complained to a manager and we received our mortgage commitment as promised on XXXX/XXXX/16. On XXXX/XXXX/16 ( Today ) ( 3 days before our scheduled closing ), we were told we could not close as scheduled because of staffing issues at Chase. Chase can not tell us when they will be able to have our loan documents prepared and be ready for our closing. We have to be out of our current house by XXXX/XXXX/16 as we have sold the house and buyer can not move in any later due to a divorce situation. We also have new furniture deliveries and appointments for service hook ups etc scheduled that all now have to be re-scheduled. Chase has no concern at all as to the inconvenience this has caused one of their " private clients '' and what the possible financial impact may be on us if we are forced to move our home goods into storage and find short-term living arrangements.
XX/XX/2017, {$700.00}, XXXX XXXX, Which My Medicare Insurance Company Said I Do Not Owe To XXXX XXXX. I Have Asked Them Not To Call Me Again. They Have Called Me And Harassed Me 5 Times About This Claim. I Have Also Contacted A Law Firm That Specializes In Debt Collection Harassment.