WillisBack/dataset-financial-user-claim huggingface dataset:
UNFURTUNALLY ON XXXX/XXXX/2018 COLLECTION AGENCY GOLD KEY WANTS TO COLLECT AMOUNT THAT I DONT OWN AND THEY DONT WANT, TOTALLY REFUSED AND OMITING TO PROVIDE PROOF OF THAT DEBT ALL WAHT THEY SEND IS A BILL FROM THE XXXX AND A BILL FROM THEM. 
IS INCREDIBLE THAT THEY DONT PROVIDED PROOF OF ANYTHING AND THEY TRYING TO COLLECT MONEY FROM NOTHING.
In accordance with section XXXX XXXX XXXX XXXX Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX by not later than 15 days after receiving a request from the consumer for that description. That is a DIRECT quote from the FCRA. I am complaining because for close to 3 months I have been asking for Validation from XXXX the furnisher and more importantly to me in this case the publisher of information ( the CRAs ) that concerns me and my credit health. I am asking for deletion of this information because they have not provided me with the furnisher of the information. It is NOT whom they are saying it is in there official response to me. ( The agency they are pointing me too as saying the verified it is saying that They do NOT REPORT to any credit reporting agency or anyone else for that matter. ) so why ca n't I know who is giving them the information??? I have been informed by Equifax agents ( on multiple occassions ) explaining that " as long as they say it 's verified it 's verified '' ... '' I am not allowed to know anything else '' ... What does XXXX mean??? And since they have never provided me any proof, why have they failed to delete it? Is Equifax XXXX above the Fair Credit Reporting Act? Section 611 ( 5 ) states Treatment of Inaccurate or Unverifiable Information XXXX XXXX XXXX In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I have a recording of this entire event that happend on Tues XXXX of XXXX
Prior to complete a Balance Transfer request with Chase Bank, I inquired about negotiating the Balance Transfer Fee. I was told this was not a possibility, but that as soon as the fee posts, I could call to have it waived. When I noticed it posting, I called Customer Service and even spoke to a supervisor who told me he was trying to waive it for me, but the system was not allowing him. He even mentioned that it analysis the overall relationship and was declining his request at this time, which made me feel worse about the whole situation since I like banking with Chase. There just was a false expectation created on me at the time when I XXXX inquired about the 3 % balance transfer fee that even though the terms and conditions included it and it is a valid fee, after it posts, Chase could as a courtesy, waive it for me. And the fact that a supervisor understood this and approved my request by attempting to waive it, but the system did n't allow it, makes me feel sad, frustrated and even deceit. I was not made aware that the fee could not be reversed at the time when I could still cancel the Balance Transfer transaction, I was told it would AFTER it posts.
I had fraud on my account in the amount of XXXX They did a credit adjustment ( XXXX ) and added it to my account, instead of deducting it. 
They charged me a late fee ( which they stated they would n't do ) They charged me interest ( which they stated they would n't do ) They gave me interest back and the late fee, however they would not re-adjust the XXXX plus the XXXX. Total XXXX even though they stated they would.
I never received anything by mail no written Validation notice or a phone call if they called my phone they did not leave a message. I just found out about this debt thorugh XXXX when I received an email stating there were changes to my credit report. I checked my credit and saw my score had went down I saw that this company Midland Funding LLC was on my credit report saying I owe XXXX. I called the number on my credit report XXXX The gentlemen that answered never announced the name of the company just picked up and said this call may be recorded or monitored. He could baily speak English he could not under me I could not understand him I got so frustrated I hung up. I took this as being a scam. I looked at my report and saw that the original creditor was XXXX per my credit report that acct has been closed-charged off as bad debt showing amount past due {$0.00} Last reported by XXXX XX/XX/2016 Midland Funding is showing XXXX open date XX/XX/2016. It looks as though Midland Funding brought this acct. How can you but something on my credit report with an owed about that is incorrect and never contacted me or sent me anything by mail I am very upset about this. I will be contacting the credit Bureau to have this removed from my credit report and I will be contacting the Better Business Bureau. Please attached supporting documentation.
I closed a checking account from Chase bank in XX/XX/XXXX over the phone. They said they would mail me the remaining fund through a check. The check never arrived. I tried to resolve this over the phone, and visit the local bank branches many times. Now it's XX/XX/XXXX and I still haven't get my remaining fund.
in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I  contacted the original creditor which was XXXX XXXX XXXX, I sent XXXX XXXX a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to XXXX XXXX, XXXX on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to XXXX XXXX on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to XXXX XXXX on XX/XX/XXXX. I sent XXXX XXXX a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is XXXX XXXX XXXX. I have enclosed a copy of the certified letter that was sent to XXXX XXXX XXXX on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now XXXX XXXX. They received the letter on XX/XX/XXXX ... Well today is XX/XX/XXXX and XXXX XXXX has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... XXXX XXXX needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. XXXX had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap
American Education Services is calling me every day about XXXX missed payment, the XXXX payment. According to my bank records a check was sent to them on XX/XX/2015 and cashed on XX/XX/2015. They say they have no record of the payment. I contacted XXXX XXXX XXXX who verified that the payment was made on XX/XX/2015. XXXX XXXX XXXX has attempted to contact AES by telephone but received busy Signals. 

This started this past Friday, XXXX. I told AES that I was contacting my bank that they would be calling AES. I was told that they would call me " every day '' until payment was received, which sounds like harassment. Particularly since I have paid faithfully on this loan for years with no missed payments, and the payment that they are calling about is not even 30 days late. I told her that it wo n't do any good to call me every day as I am not going to pay something that I 've already paid and I 'm not doing anything until XXXX XXXX XXXX makes contact with them which will be Monday XXXX. She said that they would call anyway. 

I obtained their fax number to fax them copies of printouts from my account that show this bill was paid. However, there were Communication Errors between their fax and mine, so I US Mailed the documentation. 

Today is Sunday and they have called twice. Both times I ignored the call because I knew what it was.
I am the cosigner to my son 's student loan and I would like removed from this loan. Also, it is an adjustable rate loan and it keeps going up and up. Help.
XXXX of 2014, I was behind on my payments. I was awarded proceeds from my divorce. Before divorce, former spouse was the only source of income. I contacted Citi, in regards to me account. During the phone conversation, I requested for the late charges, as well as as late remarks on credit reports to be reflected as " never late ''. The customer service rep agreed to this. I then commenced to pay the back charges, and the account was " reinstated ''. From that date forward, this account has since been paid and closed. I decided to close this account, due to personal reasons. I have received several mailings, from this company, as well as my request for an an investigation, as per the Fair Credit Reporting Act. I received a letter stating they will no longer communicate with me. This, to me, is their way of stating " We got your money. Have a good day. '' I am highly offended by their comments to my latest request.
I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my first home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.
My family and I traveled to XXXX in XXXX XXXX. While in XXXX, my daughters bag was lost by the airline and subsequently delivered 6 days later. When the bag was reported lost, we called Chase Credit Card, since our tickets were purchased on the card and a benefit of the card was that they would reimburse me {$100.00} for every day the bag was delayed. I was told that they would only pay if the airline did not pay me a reimbursement as well. As a result, I did not file a complaint / claim with the airline. For 3 months, the bank has stalled, lied and completely mishandled my claim. They finally came back and told me that they could not pay because I did not get a letter from the airline stating that the airline did not pay me. When I finally got the statement from the airline, I am being told that they are still unwilling to pay. They have reviewed all my documents, over and over and over, and each time attempt to stall me. Their behavior and subsequent customer service clearly indicate a deliberate effort to stall, dodge and avoid making payments. This is a clear violation of their terms in word and spirit. The expenses were exactly per the instructions the customer representative gave us when we called for direction while still on our trip. Clothing, shoes, bag and toiletries. I have submitted all these expenses.
Still an issue within Santander Bank on credit card ending in XXXX that they ( bank ) are reporting to Experian. This are a matter that been in dispute since year XXXX when same account were charged from 2 different Banks, at the time XXXX XXXXXXXX XXXX and Santander ( previous XXXX XXXX ) that  became reach an amount of {$3100.00}!!! 

On XX/XX/XXXX XXXX XXXX, a representative of Santander sent a letter that say ( I do write the citation ) " In reviewing this matter, you opened a credit card with XXXX XXXX XXXX ( XXXX  ), which is an affiliate of XXXX XXXX XXXXXXXX ( XXXX ), in XXXX. The servicing of the credit card was transferred from XXXX to Santander in XXXX. As a result, any information on your credit report prior to XXXX would be the responsibility of XXXX and / or XXXX " 1 - I believe XXXX XXXX not aware what she did state, how could you be so affirmative of that when I have a Statement from XXXX XXXX, its the XX/XX/XXXX statement from the Bank, I do have more statements. 
2 - I do have the doc 's that XXXX sent Credit Card attached. its all genuine docs from Santander, XXXX XXXX. 
3 - I don't know about XXXX, XXXX XXXX XXXX, and SantandeXXXX ( previous XXXX ) are what appear claiming money on Credit Report. 
4 - Your letter that state like " Santander wash its hands on this " well, not so fast. do you really think I were so XXXX throw lies to the air without proves? No, I'm not so easy, not at all!!! 
5 - XXXX XXXX don't say what you may think would be more easy for you, or I may ask, are you trying divert things without being doing the correct thing? 
6 - I do have a original doc dated XXXX, XXXX that state " 3 Payments Past Due ''. This statement are what should be appear on XXXX  Credit Report, its the fair Report to do before you come always within the usual stand " The credit card was charged off on XX/XX/XXXX and the debt paid off on XX/XX/XXXX. 
What XXXX in perfect mind would paid same account to 2 different Banks? ANY out there? 
I did paid when things were clear, I believe so many out there would not care. 

Honestly, I care how much this could affect the Bank reputation, I believe I had been sweet until now, BUT, I will always come with more proves if in any moment I felt there lack of interest to solve this ...
In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy. We were discharged from the plan in XX/XX/XXXX. At that time, the trustee sent us a refund for over payment. Included in that refund was all money paid to Sallie Mae ( now Navient ) about {$6700.00}. In XX/XX/XXXX, I received notification that I needed to start making payments to Navient for the student loan. I have continued to pay on the loan since XX/XX/XXXX. 

I don't understand why Sallie Mae refunded the {$6700.00} when the loan had been paid off through the bankruptcy. I believe that since we had paid off the loan in the bankruptcy, I should not have to repay the money again.
In XXXX 2015, Sears Master Card Services was contacted to eliminate the balance and shut down the account. After a long negotiation two payments of {$110.00} and {$110.00} were to be deducted from my banking account in XX/XX/XXXX and XXXX 2015. As per the representative, these were going to eliminate the balance and close the account. I keep receiving phone calls and bills. I contacted Sears credit cards services again, and they said that back then a balance of {$34.00} was kept on the account. I askd for recording and notes to be investigated. A balance of {$100.00} is still being charged. I have only payed late fees, I used this credit card once. I was promised to be done with this balance and credit card after XX/XX/XXXX and I was lied to by the representative.
I never signed up for an opt in program. I got over drafted by XXXX dollars and once that hit wellsfargo took all my prior charges and ran them back to back running my charges up to XXXX dollars. I called and explain only to have XXXX ( who could care less what happened ) told me pretty much that he could allow me to keep XXXX dollars of my money ( gee thanks ) or I could decline it and pay all the charges. I will take my money out by the end of this week and change both of my direct deposits. Wellsfargo has XXXX me do the last time. I have been with them since 2009. I will scream redemption when they get what 's coming to them for XXXX the XXXX class.
I have received a check ( ref # XXXX ) from Chase Bank in the Amount of {$3.00} in reference to a prepaid card I had an outstanding unpaid balance with the State of Tn Unemployment. 

My issue with Chase is now proven that this was a VERY VERY shady & crooked deal. The State of Tn made a seizure of IRS withholdings they were not entitled under the premise that I was not entitled to unemployment checks I received, I was unemployed and records show ... I received checks for every week I was unemployed. 

If I was not entitled to the $ $ why didn't they first seize this {$3.00}, secondly I now see how Chase was wrapped up in this corruption and ANOTHER example of the purpose the CFPB was created.. To combat the corrupt banking XXXX   consumers and leaving us helpless to defend and have equity.. 

I'm owed an outstanding $ 1700-ish plus compounding interest at whatever the rate is for a personal loan of that size!!
XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX XXXX offers an email stock option recommendation trading service, which recommends option purchases every Friday morning before something like XXXX XXXX XXXX. The offer, which I responded to was four weeks for the price of one week with an automatic renewal at {$79.00} per month. They also warn that there are no refund if the automated renewal is executed. 

As I enrolled after XXXX XXXX. XXXX on XXXX XXXX, 2015, my first set of recommendations came on XXXX XXXX, the second on XXXX XXXX, the third on XXXX XXXX, and the fourth and final set on XXXX XXXX. On XXXX XXXX, which was a Sunday, they charged my credit card the {$79.00}. 

My complaint is 1 ) as they know that they will not give refunds on the automatic charges 2 ) as they provide us the recommendations via our email address Why do n't they email us a reminder that they are going to submit the {$79.00} charge, especially to senior citizens like my self, who get distracted and forget. Also, the first set of recommendations under the {$79.00} would have been Friday XXXX XXXX, 2015, so they could have email a reminder. Also, they use a third party payment processing company. I called that company and requested that they have someone from XXXX XXXX call me. That never happened and my credit card company was unable to get them to issue me a refund.
We paid off a mortgage our in XX/XX/2017 with Everbank Mortgage. Everbank has sent us the recorded satisfaction mortgage, but will not send us the original note marked PIF. Contrary to its assertion, we were not given original notes or mortgage at closing ( I know of no lender that gives originals to consumers at a closing ). We need an original note marked PIF, as no lender should retain an original note that has as been paid in full. It could be used fraudulently.
I received a credit card statement from Capital One for the period XXXX XXXX, 2015, but I do not possess a Capital One credit card. I telephone the Customer Service number on the statement : XXXX and spoke with senior account specialist, XXXX, who stated that someone else used my information to open this account and that he was closing it as of XXXX XXXX, 2015. There were no charges on this statement, but the statement informed me that I would be charged an annual {$19.00} fee if I did not close this account. 
Over one year ago I applied online for a Capital One account, but I cancelled the application/account via written notice delivered via XXXX XXXX to Capital One 's corporate headquarters. The reason for that was that I immediately received more than XXXX notice in the mail stating that they could not issue the card due to fraudulent activity on the card ( that did not exist ). When I telephoned the number on the letters, the same man answered and I called more than XXXX time. I was always asked for my personal information, i.e. date of birth, social security number, prior employment, etc. I concluded that the entire process was initiated and followed through by an individual or individuals conducting fraudulent identity theft posing as Capital One. Regarding the cancellation and report of fraud sent to Capital One 's corporate headquarters via XXXX XXXX, I did not receive any response at all. This is very suspect, in my opinion.
I was charged a finance charge by Barclay 's new XXXX when I made the last payment on time to the US Airways XXXX card that was closed by Barclays. I think this is a fraudulent finance charge on behalf of Barclays.
I initiated a student loan refinance through Sofi in early XX/XX/XXXX and the loan was approved and finalized on XXXX XXXX. This was also to take over payment of a student loan that my mother had opened while I was attending school. I would be refinancing her loans to my name. She has been unable to make the payments on her loan so I have been paying them. I will refer to her XXXX account as my own since I have been making the payments. Sofi sent the payoff check in the amount of {$16000.00} to the wrong department at XXXX which I found out after waiting two weeks for my balance at XXXX to be paid off. After notifying Sofi, they found that the dept of education would need to issue a check from the US treasury and that it would take 4-6 weeks for that to occur. Because my old loan was never paid off, I was forced to make a payment to my old lender XXXX to stay current on that loan. However, with the 4-6 week lead time on the US treasury check and the reprocessing, I would end up needing to make another payment to my old lender XXXX as well as my first payment to Sofi in XXXX. I requested that Sofi move my first payment date out another month to accommodate their mistake, to which they denied. I tried working through the escalation team and was met with the same answer : they can not and will not move my due date. Not only was this not my fault, I currently have two student loans collecting interest, my original XXXX loan as well as my new Sofi loan ( which has been accruing interest since the check was cashed by the wrong department ). Currently I am waiting to hear back from Sofi when they receive the check back from the US treasury. In the meantime, I have my Sofi payment due on the XXXX and my XXXX payment due on the XXXX.
I tried to apply for account with XXXX XXXX. I was declined because Equifax XXXX for being a victim of fraud in the past. Unfortunately, there is no way to dispute or get removed from this XXXX. Equifax maintains and sells this XXXX ( of all past victims ) because it considers them guilty and part of the problem. I have several banks reject me similarly because of this blacklist in the past. I filed complaints ( eg Case number : XXXX XXXX, however, Equifax refused to remove me from XXXX. Equifax is acting as an underground court deciding who is criminal and who is not. Equifax is not a court of law and is not authorized by any govt agency to assume all victims of fraudulent transactions as criminals.