WillisBack/dataset-financial-user-claim huggingface dataset:
They refused to take the payment I offered them, they are trying to take me to court for " not paying '' so I was just going to start paying on my loan, but I 've heard horror stories and I was scared to give them MY bank info because I ca n't afford for them to take whatever they want so I asked my roommate to use his card and I would give him cash to try and stop them for taking extra money ... and it says I have to be the account holder ... why are they allowed to refuse money? My mom and others said they do this on purpose and they are going to take me to court ( by sending mail to an address I do n't live at about going to court ) and have the judge grant them the right to take money from my paychecks. I live paycheck to paycheck and I offered to pay my extra money to them. they said no it has to be more, and by more they said XXXX. Im trying to work up in a company and I started at the bottom. I plan to pay it back, but right now I 'm not making an extra XXXX dollars a month
I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report
I have a credit collections report for XXXX XXXX and the State of Texas shows the company committed licensing fraud on my account and the State gave me the option to return the vehicle, so I did the credit report you refused to fix after sending proof of the information so XXXX XXXX shows it as a repossession and its a lie I proved it and Transunion refused to let me dispute the matter.
I filed a dispute with transunion regarding a credit care balance that was affecting my credit score. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you 're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

This information is not correct. This is mistake on the part of transunion. Shortly after the report by transunion my credit score declined. I fell transunion retaliated against me because of my complaint.
In XX/XX/XXXX, I received notice from my credit reporting agencies regarding an account with XXXX. This account was closed over ten years ago at my request. All statutes of limitations have expired on this account and it is against the law for this to be appearing on any current credit reports. XXXX has falsified contact and payment information starting in XX/XX/XXXX in order to continue damaging my credit and increasing the amount of this falsified debt. XXXX had refused to remove this from my credit reports. Furthermore, all three agencies ( XXXX, XXXX, Experian ) are still reporting this expired debt. All of my attempts to remove this negative report have been ignored by XXXX as well as the three credit reporting agencies and they continue to violate fair credit reporting laws. XXXX is a predatory lender and a simple XXXX search on the internet will reveal how many military personnel and their families have been hurt by this company. XXXX went so far as to contact me after I had been XXXX XXXX in order to establish this account with me. It clearly states in their own policy that XXXX accounts are for active military personnel only. I was approached while undergoing medical treatment at a VA hospital and should never have been solicited in my medical condition to open an account as a veteran. Upon closing my account, and attempting to set up a reasonable repayment plan, I was denied, and they immediately reported it and refused all attempts by me to remedy this debt. My final contact with them was in XX/XX/XXXX and I have had no further contact by telephone, text, email or US postal service. However, they continue to falsify credit reporting statements with fictitious statements regarding payments and communiques. This allows them to continue to report what should be an expired debt.
I have been paying more than the minimum due on my American Express account every month, yet they still list me as missing payments in XXXX and XXXX. I have records of making at least the minimum due on my monthly statements for over a year straight. They just started reporting that I am late. I have disputed with XXXX and it comes back worse each time.
I HAVE SUBMITTED THE PAPEERWORK AND DOCUMENTS AND THE CREDIT BUREAUS HAVE TOLD ME TO CONTACT THE CREDITORS TO DEAL WITH THEM REPORTING INACCURATE INFORMATION, AND INFORMATION THAT DOESNT BELONG TO ME.
XX/XX/2018 XXXX from XXXX XXXX called a residence and either spoke to, or left information with someone that had no knowledge of this matter and has absolutely NOTHING to do with this matter. Now I do receive some mail at this address. But to actually call someone else 's home is a bit much. Besides mail I have no ties to this residence. Heritage practices these harassing tactics. I pay Heritage.  They want to me to authorize an automatic withdrawal from my account. And that will never happen. I pay {$100.00} a month like I AGREED TO. They want me to pay it twice a month for a vehicle that was totaled and doesn't exist anymore. The insurance paid what the vehicle was worth to them, and there was a remaining balance. I think I OWE alittle over XXXX. Hertiage takes advantage of people that need vehicles during desperate times. I had filed for bankruptcy and had little knowledge of a company such as this. They are nothing but opportunist and Bullies. I
On XXXX/XXXX/16 started the process of purchasing a vehicle from Carvana on a referral from a friend. Found there website easy to navigate thru and great selection of vehicles. Went to the process of esigning all of the documents. Was given a date to which to pickup the vehicle at the XXXX XXXX. We we 're excited as the whole XXXX concept intrigued us and something we can share with the family. On XXXX got a call from there Customer Advocate informing me that they would be furnishing us the loan because of what theu called discrepancies in my application. The same information was used to purchase my fiances vehicle and also to enter into a home loan purchase so was astounded to be told they would n't be doing the loan. Not sure why we get all the documents like purchasing agreement and buyer 's guide only to be told no. Also i entered our bank routing and account number which worries us that it 's just sitting in there system. I found there Customer Advocate to be extremely friendly and helped answer all my questions that we had prior to making the decision to purchase a vehicle from Carvana. There UW i found to be condescending extremely rude and heartless just calls says we ca n't help you. Did not nor would not give us the opportunity to correct any errors we might have made if there was
I was sent by my company XXXX XXXX XXXX out of XXXX, Oklahoma to be fitted for prescription safety glasses. The exam, and glasses were to be paid by the company as they had an account with the provider. All employees were allowed XXXX pair a year. After about XXXX weeks the company shut down that yard, and I 'm assuming did n't pay the bill. They are now contacting me and placing derogatory remarks on my credit report.
I submitted a request to update my current information and have ALL other inaccurate personal information to be removed to Equifax , like inaccurate phone numbers, variations of my name and addresses that are incorrect. They are refusing to do this.
I received a Stafford Subsidized and a Supplemental loan in   XXXX   to attend  XXXX  College Of  XXXX  which is located in North Carolina. Though I must admit that I have not always been diligent in my repayment of this loan, It seems because of the interest charges and whatever ; I have almost certainly have repaid this loan three or more times over. I requested a loan Discharge Application School Closure form in an attempt to get the loan expunged because the school closed before I was able to graduate, and after completion of the form I was denied. Here is the information from my loan :  Supplemental Loan  original principal - {$2300.00} total to be repaid - {$3200.00} current balance - {$2900.00}  Stafford Loan  principal - {$2600.00} total to be repaid - {$3300.00} current balance - {$3000.00} total current balance - {$6000.00} Disbursement date  XXXX ,  XXXX
This is a small town bank who is abusing their authority and returning my checks for irregular signature out of spite even tho they have been contacted and know the checks are authorized
I previously made a complaint about a collections company representing XXXX XXXX XXXX company regarding an auto insurance policy that I canceled. A few months after I canceled the policy the company, XXXX XXXX contracted a debt collector that made allegations that I owe {$1700.00}. I questioned the accuracy of this balance since I paid monthly and canceled the policy before the coverage expired. I also asked the company to send me a breakdown of these charges so I can verify accuracy of what they are alleging I owe. This collections company did not send me this information, and also stated in the last complaint that they would stop contacting me as this debt is not valid because they can show no proof or breakdown on what it consist of. After they made this claim, I received another letter dated XX/XX/18 that also stated I owed this same amount with no description of what this debt actually consists of, with no breakdown whatsoever. This company clearly has no respect or concern for the statement they made to the CFPB regarding them no longer contacting me in regards to XXXX XXXX.
I have tried for several years to get access to my free annual report from Equifax. Each time it fails and they do not allow me access to my credit report. If I go to a paid site I am easily able to obtain my Equifax credit report information. Equifax is illegally stopping me from getting my free credit report and has done so for years. The other XXXX reporting companies have no problem with providing my report only Equifax and only when it is free.
I have no recollection of this collection. Talbot, Adams & Moore / XXXX. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
On XXXX/XXXX/17 at XXXX EST, I withdrew {$2500.00} from my business checking acct. at the branch with a teller. On that same day at XXXX EST with the same teller, I deposited {$400.00} into my account. Both transactions are reflected on my account. After hours around XXXX, my account was debited by one of the tellers at the bank. The transaction shows as a 'Bank Originated Debit ' on my account. I went to the branch today, and XXXX XXXX XXXX gave me the explanation that the teller 'made a mistake by depositing {$400.00} into my account but at the end of the business day, they REMEMBERED that I had actually withdrew {$400.00} and that I had been given cash ' This is not true. The record shows that the {$400.00} deposit was made and the employees of the bank went into my account after hours and took money out of my account based on what they remember.
All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX- Experian, XXXX , XXXX XXXX XXXX XXXX Experian, XXXX XXXX Experian XXXX XXXX Experian XXXX Experian XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX
there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors
XXXX XXXX - Multiple unauthorized/fraudulent charges were placed on my Citi Best Buy Visa card ( ending in XXXX ). The largest was for {$500.00} at XXXX XXXX # XXXX, reference number XXXX. 
XXXX XXXX - I received a text message from Citi inquiring about the {$500.00} charge from XXXX XXXX. I immediately called customer service and was informed of this as well as XXXX other unauthorized charges ; I indicated that these were unauthorized/fraudulent charges. I was assured at this time that I would not be held responsible for the charges and that my account would be closed and XXXX with a new account number opened. I indicated that I just wanted them to close my account permanently. 
XXXX XXXX - I logged into my account online and saw that not only had a new account ( ending in XXXX ) been opened in my name, but a {$500.00} balance had been placed onto it as a transfer from the original account ( ending in XXXX ). I called customer service immediately to inquire and was informed that this amount would be under investigation and a resolution could take 60-90 days ; additionally, the fraud department was closed and no further information could be provided. 
XXXX XXXX - I called customer service and was transferred to the fraud department. I explained the situation once again, reiterated that I wanted the account closed, and further reiterated that I wanted this balance removed from my account. The representative indicated that she 'd transfer the balance back to the old account, where it would stay while the amount was under dispute. The resolution could take 60-90 days on their end and possibly longer on the merchant 's end. I said I found this unacceptable but asked if my account was at risk of being placed into collections. I was told " I do n't think so. '' This is completely unacceptable. 
XXXX XXXX - I again spoke with Citi customer service, the agent of which spoke with the fraud department. I was told that the process was n't properly explained and that the {$500.00} balance was in the process of being removed from my card. 
XXXX XXXX - I logged into my account online and saw that the {$500.00} balance had been transferred from the new card ( ending in XXXX ) to the old card ( ending in XXXX ). The end result being that I still have a {$500.00} unauthorized/fraudulent charge sitting on an account associated with my name. This is even more frustrating because XXXX other unauthorized charges which apparently occurred at the same time have already been removed from my account. Even worse, the old account now has a payment due of {$25.00}. All throughout the process I was assured I would n't have to pay on the amount in dispute, yet here they are trying to bill me for it.
TransUnion file # XXXX, will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/15. Collection XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX 2015! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX 2015. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX 2015 and having my credit scores raised for the months of XXXX and XXXX 2015. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/14 with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX 2015 and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XXXX of 2015 and moving forward.
On XX/XX/2018 I asked Equifax to remove 3 fraudulent accounts that appear on my credit file. These accounts are now closed but they still are damaging my reputation as a consumer. I have Identified this accounts as follow. 

Account : Account No. Account Status XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX closed XXXX XXXX XXXX. XXXX closed XXXX XXXX XXXX has removed this accounts from my file within 4 days after I notified them. 
I will ask Equifax for the 2nd time to remove this fraudulent accounts from my credit file. 
by not removing them Equifax is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) (  a ) Block. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 
I have included in my first dispute a copy of XXXX XXXX County Police Department Case Report - XXXX which I am attaching to you as well. In response to my first dispute, Equifax is saying that they need to verify identification I enclosed my Virginia Drivers license and Social Security Card which I am attaching to you now. 

the bottom line is Equifax is giving me the RUN-AROUND and are failing to follow federal law FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have identified this fraudulent accounts that must be blocked within 4 days after you have received my complaint. it's being almost a month and you continue to report this accounts in my credit file. 

Please, either provide me with strict proof that this is my account such as a signed application or contract or recorded telephone call or delete the accounts immediately. If you ignore this letter and do not delete the fraudulent account or do not provide strict proof this is my account I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this Matter. 

I have attached the following Documents. 
1st. Dispute Letter to Equifax. 
Equifax response to my dispute XXXX XXXX County Police Department Case Report Virginia Driver 's License and Social Security Card
I paid/settled in full a charge off on XX/XX/2018. Waited 30 days and disputed balance still showing 2 times with Experian. They say they investigated it and its valid. They also re aged the balance showing current dates which made my score drop. I have proof from collection agency showing XXXX balance. I would like the XXXX XXXX account deleted from my account. I am trying to get a mortgage and this false derogatory is hurting me.
I requested to have loans discharged due to my forner institutions kicking me out due to an partial investigation conducted after they intervened in an unethical manner
PBCM received an account from XXXX XXXX that is more than 7 years old. Debt is not legitimate. Complaints filed with FCC against XXXX for cancellation charge that is not valid.
XXXX XXXX XXXX XXXX XX,2016 XXXX XXXX I XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016
There was not a specific option for my issue. 

My daughter went to college, I co-signed her loans. She failed to pay the so I am stuck with them. One specifically is being paid to XXXX XXXX, they were in the middle of a lawsuit/settlement due to not being able to provide proof that they in fact own the loans. 

I have never seen a document from them proving that I in fact own them the loan? 
Amount is around 40, 000?
My original complaint was complaint number XXXX-XXXX. I had written in response to a XXXX form that I received without being able to get information regarding the reason I was receiving it. I have reviewed the response from Toyota but it raised some additional questions.The response from Toyota along with the history provided indicates that I purchased a Toyota XXXX on XX/XX/XXXX, then on XX/XX/XXXX the car was repossessed and then charged {$2000.00} in repossession fees and if I am reading correctly sold for {$530.00}. Then according to the response I was provided with some legally required notices however I do not see these attached. Again according to the response my account was charged off on XX/XX/XXXX, and in continued to make payments according to the history provided. Then starting in XX/XX/XXXX the payments up until XX/XX/XXXX are applied to interest which seems odd if the account was charged off. Neither I or the co-signer have seen these letters from XX/XX/XXXX that were attached. We continued to make payments on the account and then the letter states that Toyota ceases to attempt to collect the debt in XX/XX/XXXX. I have not heard from, received a letter from, spoken to Toyota in  years. I purchased and financed a new Toyota XXXX in XX/XX/XXXX. I purchased a home, got a mortgage, and purchased and financed multiple cars over this period. Now in XX/XX/XXXX I receive this XXXX, however I no longer have any documentation to try to affirm the amounts due or paid as it has been 14 years since Toyota says they charged the account off. While in the letter it states attempt to collect this debt ceased in XX/XX/XXXX, but is there any evidence of collection activity occurring, or when was it that the last collection activity occurred? How would I be able to verify that if this XXXX is correct, that it was issued in the correct year, account was charged off per Toyota in XX/XX/XXXX, and in the history it appears the car repossession charges that start from XX/XX/XXXX,  but then the car is sold in XX/XX/XXXX and the 2 year old car was sold for {$530.00}. The whole timeframe somewhat baffling. It just seems based on this timeline it would be really remarkable for me to have the records to verify or respond to this. There is no reference of this account appearing on either my or the cosigners credit report. It never came up as an issue when I bought a home in XX/XX/XXXX, or when I purchased a Toyota XXXX in XX/XX/XXXX. I just don't understand how I could have addressed it if there was no contact or info for me to respond to, if nothing the XXXX should have been issued in a different time period.