WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I had purchased items under a lease, XXXX XXXX was advertising 90 days same as cash at XXXX XXXX. I authorized verbally and documented company to withdrawal and set up bi weekly payment plan for the account to be paid in full on XXXX XXXX XXXX via lease agreement. So the company automatically withdrew payments bi weekly until XX/XX/XXXX for some odd reason. The checking account or any contact info hasn't changed still to this day. The company failed to notify me of delinquency or why they failed to withdrawal of payment which the last payment that was automatically set up to pay this account in full would occur on XXXX XXXX XXXX in the amount of {$170.00}. When i called XXXX they wouldn't discuss any information on account and directed me to a collection company called XXXX XXXX XXXX. I mailed certified request of validation of debt which was returned and trying to get this resolved since XX/XX/XXXX and have came to no resolution. I've disputed several time to the 3 major credit bureaus and nothing has changed nor any information on this on why it was delinquent for the amount shown on my credit report. I couldn't get a hold of XXXX XXXX XXXX, and left several messages with this creditor. Still no response. Tempoe breached their own contract, failed to notify of delinquency, returned request of validation, and never flagged the accounts during disputes. Reported amounts 11 times greater than the account owed, but due to the negligence on the company not abiding by their contract/ lease agreement which there's a clause for same as cash purchase to be withdrawled which should of been XXXX XXXX of XXXX failed to take the last payment so this purchase/ lease agreement would exhaust. They decided to ignore my concerns and harass me by putting it on my credit report which is not enabling me to purchase a home. I have went on XXXX website to find out who to submit a complaint to which is XXXX XXXX, which i emailed today. I just want this off my credit report as collections and hoping they will resolve this within 28 days ...
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay
XXXX XXXX made an inquiry on my credit report without my permission and Transunion allowed them to. I am getting the run around from both XXXX XXXX and Transunion on why this happen and to cease this from happening in the future. After speaking with the XXXX person, XXXX, at XXXX and being hung up on 4 times he told me to contact you.
I went to make a payment TODAY the XXXX of XXXX for payment of my missed payment loan for the month of XX/XX/2018 and I deposited the funds into my XXXX XXXX account ( see attached document ) however the Teller told me they would NOT process the payment of the Loan because I had to talk to the Loan Officer first XXXX XXXX XXXX who did not respond to any phone call or emails from either myself or the Bank Branch Manager XXXX XXXX XXXX also copied in all correspondence. I have been late with my payments because of a XXXX and a consequent XXXX that caused me to be unable to work and earn commissions. I have made all payments that I possibly can and I have never passed the 120 days which will cause a foreclosure procedure. I have explained my health situation and this XXXX XXXX XXXX purposely refused to accept a full amount payment today so that he can proceed with the foreclosure.He should be investigated for such actions it looks like he has a personal interest or may be associated with people who buy foreclosures cause my home is only at 50 % financing and the bank refused to do an equity loan to cover for the payments missing.
XXXX XXXX XXXX XXXX in attempt to collect a debt disclosed personal information about my health which is protected under XXXX. After the said violation, they provided information to a third party Credit Bureau of Bessemer. When I wrote them, they sent me a copy of the medical information which is protected under HIPPA. I notified them of said violation at which point they retained XXXX XXXX a law firm located in XXXX, Alabama. I contacted XXXX XXXX 's attorney of Record who is handling this issue XXXX XXXX XXXX via fax, email, and phone to no avail as she sent a letter stating that my HIPPA rights were not violated via their client 's collection practices. I informed her that the information sent to me to validate my debt was indeed a violation of my HIPPA rights. Once in receipt of said information, I got no further response nor even an acknowledgment of receipt. I was then sent a follow-up collection letter by their client XXXX XXXX XXXX XXXX.
i was never giving notice that the debt was in collection, until i pulled my credit and when i did i seen it and i also seen that they ran my credit twice..they are not allowed to run my credit twice, i called and asked why it was ran twice and the male asked me if i was in washington state told him i was and he said that he wasnt licensed to work in washington and i asked then why was it sent there and why my credit was ran twice and he refused to answer.
XXXX XXXX called me at XXXX PST. Calling about my second mortgage. I am one month ahead in paying my bill and been harassed before by XXXX at XXXX.
In mid XXXX XXXX, I filed a written dispute with XXXXXXXXXX, Equifax, and XXXXXXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the XXXX XXXX verifying the debt belonged to me. I 've since received notice that my investigation was closed with all accounts verified from ONLY Equifax, but did n't get any proof from the XXXX XXXX or credit bureaus with the original signed document. My primary concern it that Equifax has incorrect information on my file, and this is prohibiting me from acquiring credit for life necessities. EQUIFAX IS REPORTING INFORMATION WHICH WAS REMOVED FROM THE OTHER XXXX XXXX.
On XX/XX/2018 I received by mail an unsolicited XXXX XXXX from NETSPEND. It has my name, address and it's linked to an account number I never opened in XXXX. The attached letter said is ready for activation. This kind of aggressive marketing practice may be illegal I feel my privacy as a citizen is violated. Please, let them know I didn't ask for this card, close the account I never opened and stop sending any mail to me. 
Thanks
My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION,  and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.
GreenSky Credit and XXXX XXXX bad practice of consumeR FINANACING.

1 ) GreenSky Credit and XXXX XXXX never provided terms and condition. 
2 ) GreenSky Credit and XXXX XXXX did not furnish an application for a loan with a participating financial institution in the GreenSky Program ; 2.

3 ) GreenSky Credit and XXXX XXXX did not provided loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 4 ) My card was open and charged without my signature and consent ( Over {$5000.00} ) 5 ) GreenSky Credit and XXXX XXXX did make charge that i have not authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; I confirmed and attest following 1 ) I have not signed an application for a loan with a participating financial institution in the GreenSky Program ; 2.

2 ) I have not Acknowledge/recieve receipt of the GreenSky loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 3 ) I have not Authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; 4 ) I did not instruct Lender to disburse the proceeds of the GreenSky loan to the Merchant identified above in the Amount ( s )  specified in the Payment Authorization Schedule.
I am a XXXX single women living on a fixed income. 
I took out a title loan with Title MAX for {$3200.00} in XXXX of 2014. I understood that I would have a payment of {$410.00} each month until I reached the total {$3600.00} which was the loan plus interest. 
After XXXX payments of {$410.00} each month or {$3300.00} I still owed {$3200.00} of principle and another {$410.00} of interest. 
When I realized that the payments were only fees I asked the women at Title Max " do you expect me to pay this every month and not pay off the loan ever? If I had been told that I would have never taken the loan. " In the first week of XXXX I had an accident that totaled my car. Now Title MAX wants to keep {$3600.00} from my insurance settlement. Which means that I will have paid {$3700.00} for the loan which I had for less than a year. 
Now that I know how the loan was structured I have come to realize that Title MAX gave me the loan so they could get my car from me. 
Now since they are taking {$3600.00} from my settlement I will have only {$400.00} left and will not be able to replace my car.
I'm XXXX got the loan before me getting XXXX for 7 years o have sent award letters and or off I'm XXXX and it still is on my credit report I followed every thing to a T! And still get calls to repay I sent everything they wanted for my XXXX why is it still listed I don't get much every no from XXXX  I need help please
I have disputed the accounts that are reported by Illinois Department of Family Health. This department constantly reports inaccurate information on my credit report. Due to Illinois Department of Family Health 's failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. 

This is directly affecting my credit report making it impossible to obtain credit. The violations committed against me are : 1. Illinois Department of Family Services supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late. * Illinois Department of Family Services marks major derogatory marks, even though payments are being made. * Illinois Department of Family Services has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX. 
2. Illinois Department of Family Services does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and Illinois Department of Family Health still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law. After I sent these dispute to both the Illinois Department of Family Services, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. 

I have disputed this information with XXXX, XXXX, and Experian. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the Illinois Department of Family Services.
I personally closed ALL my accounts with Bank of America XX/XX/XXXX and relinquished all my Bank/Visa Cards to the customer service representative for disposal. There were no transactions on my credit card as of XX/XX/XXXX. I have still been receiving monthly statements for interest-upon-interest ; I called Customer Service and they confirmed ALL accounts had been closed. I no longer have access to the account. On XX/XX/XXXX, I called a number on a Bank of America email received and spoke with XXXX XXXX in Collections, advising me they were about to Charge Off the amount to my Credit Report! This is when I first discovered two charges each for {$99.00} from XXXX, XX/XX/XXXX and XX/XX/XXXX, one charge which was reversed XX/XX/XXXX. I no longer used XXXX XXXX however the Billing Dispute person XXXX stated I wasn't allowed to open a dispute and if a preauthorization from 10-years prior was presented on a closed account, they could open the account and process it. I told her that was fraud ; she rudely responded she had a business degree and had the right to do it! I asked to speak to a supervisor and was connected to XXXX XXXX, he spelled out his last name and proceeded to give me the same spew, telling me I wasn't allowed to open a Billing Dispute. I asked for his Supervisor, XXXX XXXX XXXX, ( XXXX ) and left a message and my number, however he never returned my call. I called XXXX and they immediately refunded the second amount {$99.00} which was processed XX/XX/XXXX. I called XXXX XXXX XXXX again and left another message with all the details, emailed the XXXX Receipts, but haven't received any acknowledgement to this date, XX/XX/XXXX. My account was submitted to Charge Off and the Bank of America actually has a credit on my account that they have not tried to refund to me. They are still sending me statements on a closed account!
Bank of America XXXX XXXX CMA # XXXX Last Friday, I noticed my online access to my XXXX XXXX account has been disabled, and I could not get into my account. After talking to a XXXX XXXX agent on the phone, he told me that the account is under review. They did not know why it is being reviewed and by what department, or why my online access has been disabled ... They just advised me to be patient, and that somebody will contact me regarding this account within the next 24 to 48 hours. I received no calls. So, after two days, again contacted the XXXX XXXX  agents on the phone, and this time, the agent told me the review might take a month or two ... and that there are no notes on the account explaining why the account is being reviewed, or what department has disabled my online banking, etc. I was just told that they also do not have access to this account other than the profile section, and that such an account exists ... I then politely said good bye and hung up the phone. 
I then called a few days later, talked to another agent on the phone, and after being told the same things over and over again, requested the account to be closed, and that they send me a check for the amount of {$13000.00} that is frozen on the account. He told me that he does not have the ability to close the account, but will submit a request, and if approved, a check will be mailed to my address at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IL, XXXX, USA. I have not yet heard back regarding this request, and I am out of {$13000.00} frozen in my XXXX XXXX account for no clear reason ... This is ridiculous, and hence, I am filing this complaint.
XXXX/XXXX XXXX # XXXX I do not wish to open a dispute on this account, I would just like for the information linked to this account to be updated/corrected accordingly. Ive attached documentation to support my claim that this account should so no late marks. I submitted a goodwill letter to the original credit to have them adjust and remove the 30 day late payment. XXXX has successfully updated this account, but XXXX and XXXX  have not.
I have sent 2 letters to Experian to verify the information that is placed on my credit. I have sent letters out to those negative reporting companies and I have n't heard anything back. One dispute was received by Experian on XX/XX/2017 regarding inaccurate reporting inquiries and unverified negative accounts. I received a response by mail on XX/XX/2017. I keep receiving the response that it was verified but they fail to show me any proof that it was in fact verified by the person they had a conversation. I do n't think that time was taken to investigate the inquires I requested along with the negative reporting information. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I sent a letter to Transunion disputing the validity of items on my credit report these items were inaccurate and reported in error on my credit file. I contacted the source where the information was coming from and they could n't give any lawful explanation to why the items was reporting inaccurately in error on my credit report. I then contacted Transunion and asked them to remove the item because its an inaccurate error but Transunion refused to delete it and said they had verified it. I asked Transunion the details of who they verified it with and their method of the verification. Transunion ignored my request and continued to report the inaccurate items on my credit report. I reached out to an attorney friend of mine and the FTC and they both informed me that Transunion had to give proper lawful validation to the items they were reporting and have to make sure they are accurate without errors. I learned that according to the FDCPA and FCRA Transunion has violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. 
Below are the accounts reporting inaccurately in error. Report Number:XXXX XXXX XXXX XXXX acct XXXX
I have a mortgage loan with SunTrust Mortgage which was recently put into forbearance after many difficulties with the lender losing my paperwork, delaying things, etc. But thanks to the CFPB, I was finally able to get my forbearance due to medical issues. But recently I rec 'd a letter from SunTrust stating that my loan was overdue and they have ordered an inspection that I WILL HAVE TO PAY. THIS IS OUTRAGEOUS! I WILL NOT PAY. My loan is in forbearance and this should not be happening. Please help. 
Loan number : XXXX
I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX My loan was in forbearance at the time
I sent a cease and desist letter to IQ Data International about debt I am disputing Through the XXXX XXXX XXXX. Now they are calling 10 times a day and hanging up on me. They called my wife at her place of business and hung up on her four times. One time they simply asked where she used to live and hung up. This debt of {$300.00} involves a fraudulent billing practice where XXXX XXXX XXXX XXXX XXXX overbills clients for cleaning charges -- -charges they expense using in-house labor ( tax fraud ) they are also claiming we owe rent when we gave 30 days notice as required by Oklahoma law and were current on our rent when we moved out. It should be noted the apartment sent this directly to collections without sending us a bill.
As i reviewed my credit report i noticed that there was an account in debt and in collections already in which was not me so i want it be removed from mt credit file. This is the account name, number, date it opened and closed, and balances as it appears on my credit report : CITI Bank credit card- acct number : XXXX Opened on XX/XX/2014 closes XX/XX/2014 Credit limit is {$200.00} Amount past due {$220.00} and High balance is {$310.00}.
Ran into financial difficult after a lengthy battle with XXXX XXXX. Lender said they would modify and never did. They filed for foreclosure and wont talk to me. Ive sent in completed loan modification applications without any response.
I contacted Wells Fargo bank regarding my credit card which is 2 months past due. I was trying to resolve this matter but was transferred 4 times. Once I located a person to speak with they informed they are located in XXXX and this guy was VERY RUDE!!! He wouldnt work with me at all. I tried to request a supervisor and he sent me back through automated recording. I explained to him why i was late on this bill. My grand daughter passed away on XXXX XXXX 2016 and had to be off work for a time period and the guy i spoke with informed me that was not a hardship. I dont understand how wells fargo can send their customers to XXXX and be told nothing can be done about the account except pay this off. I will involve an attorney if i need to and even notify other Wells Fargo customers that i know about what has happened to me.
several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX  XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX  " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
Experian has exceeded the time allowed by law to correct or remove a disputed item from the credit report. According to FCRA 611 ( a ) ( 1 ) ( A ).