WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from XXXX or Equifax. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my XXXX credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On Equifax. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.
I have an account with US bank for which I used to conduct my primary day to day financial transactions. I have on three occasions make my credit card payment to another bank. And on all three occasions, my bank US bank have play these games with my account in which to do high and low stacking of processing of my accounts. The last time that did it for me was yesterday. I had paid {$200.00} on credit card account on XX/XX/XXXX. The authorization came through and US bank took out the money. There were sufficient funds in the account when I made the payment. US bank took the money out my account and held it until XX/XX/XXXX when they held the fund until they had sufficient transaction to reject the authorization, take out {$36.00} from my account and return the payment as insufficient funds authorization. This is not the first time they have done this sort of thing. I am fed up and I am not going to take it anymore. US bank keep playing these games with customers with low balances and I thought the new banking regulations were suppose to stop this. They should not have pull the fund made it unavailable, sit and wait until they find it convenient for them to access overdraft fees to make money off me.
NOTE YOU REPLIED THAT XXXX XXXX NEED MY AUTHORIZATION I GIVE PERMISSION TO REPLY TO MY CONCERNS XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOUR COMPLAINT Open account with ( WELLS FARGO ) XXXX XXXX FUNDED Account with Legal Tender FINANCIAL INSTRUMENTS # XXXX AND account FEDERAL RESERVE BANK XXXX CHECK FROM ACCOUNT XXXX ACCOUNT WAS OPENED WITH UNLIMITED PREPAID FUNDING FROM FEDERAL RESERVE BANK XXXX WHICH WAS ESTABLISHED WHEN I WAS BORN ON XX/XX/XXXX WHEN MY MOTHER SIGNED ME OVER TO THE FEDERAL GOVERNMENT WHICH IS NO LONGER IS MY EXECUTORS OR ADMINISTRATORS I AM THE SOLE BENEFICIARY OF MY FEDERAL RESERVE ACCOUNTS XXXX AND XXXX FEDERAL RESERVE BANK XXXX NO XXXX HAS ANYMORE POWER OF MY UTILITY STRAW MAN THAT WAS CREATED AFTER CERTIFICATE OF LIVE BIRTH CREATED BY THE XXXX XXXX! XXXX order by my Father XXXX  TO OPEN MY ACCOUNTS WHEN I GOT ACTIVATED 2 YEARS AGO AND THREW ME FOUNDING OUT ALL THIS INFORMATION OUT NOW HERE COMES ALL THESE WITCHES CULTS AND SECRET SOCIETIES AFTER MY XXXX   SENDING NEGATIVE VIBRATIONS AND PUTTING SPELLS ON MY FINANCIAL INSTRUMENTS # XXXX ALL I DID REPENTED AND TURN TO MY CREATOR # Amen who is my Father in Heaven the one who sent me to save humanity and told me if your doing right then continue to do my Father Will to Promote my XXXX with Love, Peace and Prosperity I ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) THE ONLY THING I DID BUSINESS WITH ALL THESE BANKS AND AGAIN IF I DID ANYTHING WRONG THEN I SHOULD BE PROSECUTED TO THE FULLEST EXTENT OF MAN LAW RIGHT? SO I GIVE AUTHORIZED REPS FROM WELL FARGO TO ANSWER THIS MATTER TO THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WILL NOT BE TREATED LIKE THIS BY MY BIRTHRIGHT I AM GIA MOTHER EARTH TRUTHFUL RULER ... AND THE PEOPLE WILL SAY AMEN
Been called once a day for last month by some guy named XXXX with XXXX XXXX being rude and loud asking about my title loan which I have talked about with XXXX XXXX already
The credit reporting agency is utilizing a third party furnisher of information to verify the Discharged Chapter XXXX Bankruptcy. They just admitted by the response that they are in direct violation of the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ... '' We request the following : XXXX The name of the courthouse ; XXXX the person 's name they verified the dispute with ; XXXX the address XXXX the telephone number ; and XXXX XXXX XXXX the documentation used to verify the dispute. 
Credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The XXXX Court IS the furnisher of information, not a third party source as used here. We are ready to file a lawsuit against Experian if they do not comply with FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ).
My bank account has be frozen. I was notified in a the middle of XXXX arrangements for my mother in law, that every account has been frozen for a debt I own but I not aware of anything that I am not trying to take care of. I returned home XXXX XXXX XXXX and they told me to contact O & L law firm in XXXX Fl I have left several messages and it 's Friday they not in the office. I pulled my XXXX and XXXX reports nothing about any judgements listed. I do n't know what to do still recovering from the storm no food in house and no money and my daughter at college ca n't get her money because my sis is on her account and now it 's locked.
In  XXXX    XXXX   I opened a credit account with   XXXX   XXXX   XXXX   for the purchase of my wedding dress. The credit card came with a 0 % interest for  six  months offer. Due to an error in entering my address correctly, I did not receive my credit card or first physical bill until late  XXXX  early  XXXX .     The interest is set to begin effective  XXXX   XXXX  at a rate of 22 %. I contacted the company today to request a three month extension on the interest. The person to whom I spoke told me to contact the store. I called the store and spoke with the manager  XXXX  who stated that she did n't have anything to do with the interest. I kept  XXXX  on the line and called the credit card company  (  Comenity Bank ;  XXXX   XXXX  ) using a conference call. I spoke with  XXXX  and she stated that it was not possible for them to extend the interest. I told her anything is possible and I asked to speak to her manager.  XXXX  came on the line and stated that she could hold off on interest for one month. She also submitted my information because I am still requesting three months to their internal disputes department.     It is not my fault that I did not receive an actual bill until late  XXXX  early  XXXX  without an actual bill. My driver 's license does bear my correct and current address. They neglected to include my apartment number in entering my address which is why I did not receive my bill. My first payment was made by phone in  XXXX  with a collections agent due to the fact that I did not have a physical bill he dropped late fees. I totally expected to receive a bill and a card after that. I ended up having to attach a handwritten note to the bill because I could not make automated payments. ( Which oddly enough they only offer in a very limited form ; each month a card holder has to go in and schedule a payment. This increases the likelihood of missed payments and seems predatory in nature to me  )  I did not have the opportunity to divide payments in a manner that would allow me to pay the entire balance within the six month offer period.     Will you please assist me in obtaining a  three  month extension on on the introductory offer?
I have XXXX issues. The most important is at the top. The other XXXX are smaller. 

Discover Student Loans has begun taking double payments from each money, starting in XXXX. I thought it was just some random issue with auto-debit but when I called to fix it, they claimed there was no issue. I 've attached part of a bank statement showing XXXX payments from Discover. I 've also attached the payment history from Discover 's webpage. As you can see, it is kind of a mess. But if you look at individual loans, you 'll see that each loan has actually had XXXX payments applied to it within a short period of time and then XXXX payment reversed. I did not make any manual payments, all happened automatically. The same thing happened at the beginning of XXXX. As you can also see, my bank account balance was sufficient for the payments made, and there is no reason a payment would be returned. Nor was any payment returned to my bank account. Obviously if they claim double payments were not made, they are probably not crediting those payments correctly. 

Additionally, I have XXXX smaller charged off loans with Discover. I have been making payments according to the payment arrangement we made. When I called to talk about the above issue, they claimed that the payments would need to increase despite our agreement and implied they did not intend to continue following the agreement. Regadless of whether a charged-off loan is due immediately, a subsequent agreement to accept a payment plan should be binding. 

Third issue, which may be more of a clarification, but I believe my loan payments jumped considerably around when Discover purchased these loans from XXXX. I have requested my Promissory note to see what the original terms were, but I do know that I was not always under such a large monthly payment, and the large jump in payments is much of the reason why the smaller loans ended up charged off.
I have satisfied my obligation to the IRS in full now. My local County Recorder 's office continues to report an OPEN IRS tax lien. I provided the Recorder with the attached satisfaction letter, and they refused to report the IRS 's lien as satisfied. I asked for a copy of the lien they were reporting, and was refused. I was told they had no obligation to provide me with a copy of that lien. I have sent a copy of my credit report ( also attached ) to the IRS - asking that they update their reporting ( showing satisfaction ) to the County Recorder 's office - but have not seen a response.
I 've been going back and forth with Equifax for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not Mine XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.
credit card compan y capital one h ad a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in     XXXX      2017  to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no stateme nt for  XX/XX/XXXX  o r ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith
I saw a collection on my credit report by XXXX. I had already paid my school what I owned them. When contacting them on XX/XX/XXXX I informed them and they refused to remove it from my report. I informed them they were reporting it a debt paid and they did not collect the debt. I asked both the person who answered as well as the manager. Did you collect the debt? She just have a contract with the school. I asked again You have this on my credit report as paid to you. Did you collect the debt? Same answer this time she was being an XXXX and goes " Did I collect the debt personally ''. Also their letter they send out to people has a XXXX number. Basically on purpose forcing someone to call their XXXX area code number. I contacted the school and they even cleared the debt so there is no debt for this XXXX company to collect not can they legally report it on any of my three credit bureaus. 

Trying to select XXXX is says do not use.. The company I am is XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX @ XXXX
My son had  XXXX  in  XXXX  of  XXXX . He had  XXXX   ( Medical ) a nd the procedure was fully covered. The procedure was done through  XXXX   XXXX   XXXX . On  XX/XX/XXXX , I went on  XXXX   XXXX  to check my credit, and noticed a collection account in the amount of {$7300.00}. I was shocked. I immediately called  XXXX   XXXX  and they explained that the bill never got paid so they sent it to collection. I explained I never even received a bill. The lady then said well I 'll check  XXXX  's eligibility for the date if service rendered and she found the service was completely covered. She apologized profusely and stated the hospital biller had made an error and was billing the procedure in my name, so it kept getting denied.   My concern it that this is n't fair. This has apparently been affecting my credit for 7 months and it 's still on there due to  XXXX  's own incompetence. This is n't fair to me and would really appreciate some help or insight as to what action I can take at this point.
I am filing a complaint since Experian has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.
I was seen at XXXX Hospital on XX/XX/XXXX for and incident where I needed XXXX XXXX XXXX XXXX XXXX XXXX. A few months after the injury healed ; I had sharp pains in that very spot. I found out that there was still XXXX XXXX XXXX XXXX. I have made numerous complaints to the hospital ( clinical complaints ). In XX/XX/XXXX I received two bills, one from the E.R and one from the physician. After MONTHS of calling ; The E.R. Bill has been taken care of due to error of the hospital. They did not bill my health insurance. I was under the impression that both bills were taken care of. I received a notice of debt collection almost a year later from XXXX debt collection stating that they are seeking {$1100.00} for that E.R visit ( physician bill ). I contacted the company to explain the situation, but they only offered me a deal for a lower amount to be paid. I called the hospital ( twice ), had a free over-the-phone consultation with a lawyer who both told me to call the collection agency, explain the situation again and provide my insurance information. I called again today, XX/XX/XXXX ( got hung up on 3 times ). I tried to explain the situation. XXXX said they can not speak to me because I SPOKE to a lawyer. I am at my whits end.
I was affected by the 2017 cyber attack on Equifax. See : https : //www.equifaxsecurity2017.com/
When processing our new mortgage AimLoan.com, used an automated estimate from the county assessor 's website with erroneous data that produced a tax estimate more than three times the correct amount. This was not disclosed until they provided a loan commitment letter on XXXX/XXXX/2015, and we immediately brought the error to their attention. Since we were already well past the originally scheduled closing date, they advised we could close with the erroneous tax estimate, and it could be corrected immediately after closing. Based on the bad estimate, at closing, AimLoan collected a large escrow deposit that more than covered a whole year 's worth of taxes and insurance. After closing, we notified the servicing company of the problem verbally over the phone, and they instructed us to e-mail the correct estimate from the assessor ( which we had to obtain ourselves ), and they would fix the problem. After not hearing from them for a week, we received a statement listing a $ XXXX monthly escrow charge, so we sent them a RESPA notice about the error dated XXXX/XXXX/2015 ( now up to more than 4 separate contacts about the problem ). The only response we received was an acknowledgement dated XXXX/XXXX/2015 that they had received the RESPA notice. Then, on XXXX/XXXX/2015, we received another mortgage statement with the {$480.00} charge still listed. The lack of responsiveness and inability to correct an obvious mistake has prompted this complaint.
In response to Consumer Bureau : XXXX Doctors Business Bureua To Whom It May Concern : The Affidavit was typed! 
Please be advised that I have received your correspondence dated XX/XX/XXXX. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
This complaint is in reference to complaint number XXXX. It has now been 60 days since I submitted my complaint and CFPB has closed my case. 

Someone was needs to look up the check and it will show that I did sign and return it in a timely fashion. If I did n't sign it how could PNC deposit it and put it in a special fund. I have been looking for copies of the faxes regarding the amounts of repairs that were done to my home and I even called and faxes request for someone to come out to inspect the work which was done. I am also looking the contractors receipt from seven years ago.
I paid for that insurance and the repairs to my home and PNC, refuses to send me my money after seven years. I am giving them permission to still come out and inspect my home so I can get my money back. I did everything that I was suppose to and PNC kept misplacing my paperwork. If you look at all the complaints, you will see that PNC has done this to a lot of customers. 

Also why has PNC placed a lien on my home. CFPB PLEASE STOP CLOSING MY COMPLAINTS BECAUSE THEY HAVE NOT BEEN PROPERLY INVESTIGATED.
I received a phone call saying if I did n't give her my debit card number and a payment plan there would be a warrant out for my arrest. She was threatening and very rude. Would not try to work with me on payment arrangements.
XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft