WillisBack/dataset-financial-user-claim huggingface dataset:
The Directors of XXXX XXXX XXXX XXXX XXXX XXXX XXXX took our Account from USDA and refinanced it with BB & T Bank XXXX, Alabama. The Articles of Incorporation state that notice is to be mailed out to the members of the Cooperative and the members are to vote at the Annual Meeting or Special Meeting. Notice was not mailed out and we, the members were not asked to vote. On Monday XX/XX/18 I took the articles of Incorporation to the XXXX Office, and they faxed them to the XXXX Office. I have had no response from this and I know they were suppose to provide the minutes from the meeting showing the members had voted to change this loan.
some of these purchases were made by an XXXX  spouse, i was in a XXXX XXXX relationship and now chase credit services is on my credit report and i want it off immediately.
Accounts Account Name Account Type Open Date Status Balance CREDITACPT Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name CREDITACPT Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.
I printed a copy of my annual credit report, from Experian, onXX/XX/2018. I noticed to negative items filed under Public Records. There are two liens, Reference Numbers XXXX & XXXX. I contacted the court that filed these liens, XXXX County Recorder and found the liens to be filed erroneously. My father and I share the same name, but have different suffixes, birthdays, and most importantly different social security numbers. I contacted Experian to start my dispute, and explained to them that I had obtained Certified Copies of each tax lien. These copies clearly show the social security numbers associated with the liens are not a match to my social security number. I have sent them to Experian both digitally and through traditional mail service. Since I first spoke with the dispute representative I have not been able to contact Experian by phone. After working through their automated system and entering my report number and social security number I am now directed to a new set of menu options that does not allow me to speak to a representative. I am given the option to purchase another credit report or choose another option that is unrelated to my issue.
I requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX-XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
This complaint is regarding a debt with XXXX that occurred over five years ago in which the company charged me incorrectly. At the time, I contacted XXXX attempting to dispute the amount but there was no resolution. My account was immediately sent to collections and it was subsequently charged off with a reported debt of over {$400.00}. Several weeks ago, I noticed that the charged off mark from XXXX had disappeared from my credit report and assumed that it had aged off per the statute of limitations set forth by the FDIC. 

However, that was not the case. The XXXX debt was apparently sold to a debt buying company because today a new creditor called XXXX XXXX XXXX has flagged my account with a brand new debt of {$550.00} carrying a due date of XX/XX/2018 which is today. 

It is clear that this action was taken by XXXX and XXXX to circumvent the consumer protection law regarding time limitations on credit reporting.
I got a line of credit through kay jewelers on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the military in XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named XXXX XXXX XXXX and want to collect a debt I had acquired with Kay Jewelers. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in XXXX weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my Judge Advocacy General for guidance.
XXXX XXXX, 2015 I went online to EXPERIAN and thought I was taking advantage of a Great {$1.00} DEAL to see my Credit Score? While that deal was visible in a LARGE font, BURIED somewhere on that page in tiny print apparently was some nonsense about a subscription and a {$21.00} recurring monthly billing charge? Neither I nor I 'd imagine tens of thousands of other consumers are EVER aware of this subscription service and monthly credit card charge UNTIL it 's too late and they are stuck on automatic billing? To be VERY Clear, I did not seek nor intend ANYTHING other than a {$1.00} charge to my credit card for seeing my credit score on that day, I had NO IDEA of any additional financial commitment on my part. And ANY company doing business like this needs to be XXXX, this is an outright intended and deceptive, despicable business practice essentially " Tricking '' consumers into a monthly charge for a service they were n't aware of NOR Ever INTENDED to activate? I FINALLY Canceled the UNKNOWN subscription service, but of course they refuse to credit the {$21.00} service charge. I wonder how much money they 've 'snookered ' from others, I 'd bet its MORE THAN ENOUGH to Pay a HEAVY Fine to the CFPB! This is a SCAM, and made even worse given this just XXXX of XXXX ( XXXX ) MAJOR Consumer Reporting Agencies?? I 'd note these Credit Reporting Agencies still have n't suffered any COSTS, FINES or PAIN for their extensive involvement in the Housing Collapse and Financial Crisis? Please help me get my {$21.00} credited back and PLEASE make them add something BIG & BOLD, something that helps other HONEST CONSUMERS avoid this scam. Thank YOU!
I have had a Bank of America credit card for about 8 years, and the minimum payment used to be around {$45.00}. Over the years, every time I used the card the minimum payment went up, and by XXXX the minimum payment was {$220.00}. Unfortunately, my mother-in-law died on XXXX XXXX, which was the date on which my credit card payment was due. I missed the date by four days, and made a payment of {$320.00}. Then I received a bill for a minimum payment of {$460.00}. I think that this Bank of America financial policy is abusive, fraudulent, and illegal. Can you please do something to help me?
My house recently burned down. I ca n't get online or get a customer service representative on the phone. I have been trying for a week now. I am on hold for XXXX to XXXX minutes at a time and no one ever answers. I do n't want this to go on my credit report but there is nothing else I can do.
I have a credit card with Sleepys that is through Synchrony Financial. Every month I have paid XXXX which is more than my minimum payment. I set up the payment to come automatically through my bank on the XXXX of each month. I unfortunately had not looked at my statements for over a year. I recently opened one up and noticed they charged me a late fee. I opened up old statements and found that they too had late fees associated with each payment even though the payment was received by them each month around the same time. I called to ask how I could be charged a late fee each month when I was paying each month, let alone that I was paying more than the minimum. 

I was told my payment had to be received before the due date each month and each month it was received after that date I was charged a late fee. I understand that the XXXX payment would be late, but is n't every payment after the XXXX one I was charged the late fee just early? I understand how the bank needs to charge late fees because they are not receiving a payment more than the minimum each month. The bank was getting more money than I was required to pay and they were charging me a late fee every month. 

This to me is a practice that is meant to maximize the amount they can charge the consumer rather than an attempt to recoup money due the company. It to me seems wrong. 

They assured me they were allowed to do this under the consumer protection act and they were following the law. If this indeed was the intent of the law then it is clearly a loop hole in the law so financial institutions can continue to charge excess late fees only to help their bottom line. Of the XXXX late fees I was charged they waived XXXX and assured me that was more than they had to do and I should be happy they were doing that.
Went to branch to process cash advance deposit at XXXX XXXX XXXX branch in XXXX XXXX CA. XXXX told that would be OK. Then told by XXXX XXXX that I need to get a voice authorization from the credit card company. Staff at branch where in a hurry to go home. Then they told me that they could not process my deposit. I told them that I needed to make the deposit to avoid XXXX {$35.00} overdraft fees. They said sorry and ushered me out the door.
I am in the loan modification process but at the same time the mortgage lender pursues foreclosure remedies in state court while simultaneously is offering me a mortgage modification ( DOUBLE TRACKING )., This is my house primary residency ( and in Florida, XXXX XXXX JUDGES DO NOT ALLOW CANCELATION OF FORECLOSURE SALE ).
My information was involved in a data breach via XXXX, and XXXX I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.
I have been trying to add a bank account to pay my PayPal MasterCard bill for the past two weeks but continue to run into an error. When I call PayPal the queue is over two hours long and the PayPal MasterCard support is entirely useless and does not offer any assistance. This is unacceptable.
I had alarm services with XXXX XXXX XXXX and there were constant issues with the service and after notifying XXXX XXXX XXXX that I wanted to discontinue services, they suggested that I keep the services and notify them again at the end of month. This was around XXXX and XXXX. I figured that because I could not get internet connection, interruptions, and faulty alarm systems that the services had been discontinued from my initial request. 

The following collection accounts have negatively impacted my credit scores and because of the service failure from XXXX XXXX XXXX and overall negative experience, I would like these deleted from all three credit reporting agencies. I also was not properly set up to access the actual account so I was surprised when I was contacted about these collections after two years. 

DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX opened XXXX Diversified : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
i lived at XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Md XXXX.in 2015. In XX/XX/XXXX i asked for a different unit as i did not get the unit i was shown. XXXX the property manager told me i was free to leave.Then on XX/XX/XXXX they sued to evict me for nonpayment of rent. It was thrown out. I left in XX/XX/XXXX. XXXX XXXX the owner of the building represented them in court.
i received no notice of case being filed against me The rent was {$1700.00}. NOw the debt collector is demanding XXXX. I have no idea how they came to that figure. They started calling my daughter thi s XX/XX/XXXXand i found their address..
The debt collector is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Fla.XXXX. i contacted a lawyer have not heard anything so far. they have ruined my credit and i have no way to handle this
This company closed my account in XXXX 2015. They refunded me my entire security deposit and a statement with a XXXX balance was included as it should have been. 2 months later I get a statement from this company with a {$110.00} balance. I wrote and complained and was never given a reply. They have since sold the account to XXXX XXXX collection company. If your trying to rebuild your credit I 'd pass on this company as they have poor customer service and seem to be in some type of cooperation with XXXX XXXX for profit
XXXX  Have requested several times to be provided with a Statement for this debt, I have requested and they have assured me that they will be mailing a statement for my records that w ay I may know ( in writing ) the tot al owing and the payment plan prepared ( again in writing ). Both times the agents have assured me they will mailed and I have confirmed that they have the right address. Both times the agents have pushed for me to make a payment and even increase the payment amount with the assurance that they will mail me a statement but they receive my payment and dont send me any statements or debt information.   Each time I have made a request the agents have mentioned that they will provide a statement but they circle back to payment arrangements.
I am an XXXX with XXXX XXXX XXXX. My client went to move money around at Bank of America and was asked to sit down with an XXXX. The client received a better offer which was fine, but the violation occurred when the XXXX XXXX XXXX XXXX XXXX # XXXX called me and demanded I send him all of the client 's financial documents. Not only does B of A and my company have policies against this, this is a very clear XXXX violation. I had not spoken with the client and the client did not ask that I send this information. Bank of America does record all of their calls so they should have access to this information. The call took place on XXXX at approximately XXXX and was on his direct line XXXX.
To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The FTC, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by equifaxIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.
I have received multiple calls from Regional Finance in XXXX XXXX, to my place of employment after asking them on multiple times not to contact me at my job. I had to give them a notarized cist and desist to get them to stop communication at my job.
XXXX has been non-compliant with removing the unverified account WELLS FARGONA/XXXX  which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGONA/XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus Experian,  XXXX , and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
I owed Navient XXXX and these amount has not decrease since I started to pay them. I pay XXXX to XXXX per month and I ca n't lower my payment not the amount for over XXXX years now. I tried negotiating with them but they said that is all they can offer. I have found myself dealing with financial stress each month. I need help and legal advocacy because these loan is impossible to pay off. Please help.me find other solutions. This is the second time I XXXX help from your department.
Experian and XXXX refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!