WillisBack/dataset-financial-user-claim huggingface dataset:
Honda Financial Services ( HFS ) is using coercive tactics to obtain payment of a bill that is not accurate. HFS sent threatening letter to coerce collection funds for a leased vehicle that was appropriately turned in and terminated 5 months prior to distribution of a bill by HFS. HFS states information was not received to close account through the mail, which is false ( information was mailed ). HFS acknowledged in subsequent letters that lease was terminated but needed documentation of registration termination or license plates turn-in -- license plate turn-in documentation was provided. When contacted through customer service representative ( XXXX on XXXX XXXX ), information was provided that a pro rata share of bill would only need to be paid. Such payment was made on XXXX XXXX. Documentation of payment and all other documents supporting closing the lease account were emailed to HFS service region at XXXX. Instead of responding to requests in email to ensure account was terminated after pro-rata payment was made, HFS on XXXX XXXX sent coercive letter stating balance was required even though period of the bill included time period that the leased vehicle was appropriately terminated and turned in and accepted as a turn-in by Honda.
Midwest Recovery Systems reported a six year old debt on my credit history after it was removed previously in XX/XX/2018 after being disputed on my credit report. I demand removal of this negative information immediately.
My minimum payment was due on XXXX/XXXX/XXXX. I made the minimum payment online on XXXX/XXXX/XXXX. Kohls states that even though I paid it on XXXX/XXXX/XXXX, they now have a policy where bills must be paid by a certain hour on the due date and charged me a late fee of {$37.00}. After contacting Kohls on XXXX/XXXX/XXXX to file a complaint, they removed the late fee charge. Now I get my next month statement and the minimum payment is {$38.00} more then what my minimum payment normally is. Per Kohls, it is because I made a late payment ( which I did n't ) so the next months minimum payment automatically is more. They never notified customers of this change and when I informed them of that, the response I received was " well we added it to the back of the statements. '' Considering along with most customers I do n't get paper statements in the mail anymore, how was I supposed to read that? They are refusing to decrease the minimum payment due back to where it should be. It appears that even though they say they removed a late fee, they are still getting it by upping ones minimum payment for the next month and if a payment is actually made late, they are double dipping in the late fees area by charging a late fee AND increasing only the next months minimum payment. If a person paid a bill late due to financial issues, increasing the next monthly payment is likely to incur another late fee and higher next payment. So basically Kohls is making money by charging these fees over and over. Disgusting and Unethical!
XXXX XXXX XX/XX/2018 XXXX. XXXX XXXX XXXX FL XXXX Please be aware that you have listed an account on my credit report that I am unaware of. Did investigation on this account and realized that this has nothing to do with me. With that being that I have filed a police report, a complaint with the FTC, and I have filed a lawsuit yesterday morning at the XXXX XXXX County Courthouse because you have violated my rights in several ways pertaining to the FCRA sections 609, 610, 611 615B and many more. I know my rights so I have decided to take legal actions towards your company and Im sure youll receive documents for the up coming hearing dated in May. I have contacted you before this time and I realized that you continue to leave the account on my credit file for months falsely verifiying without 100 percent correctly using legal verification methods. 
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 original 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 3 business days to provide strict original 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 another collection agency or an attorney without providing original proof of contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. I am warning you that this is my final good will letter to inform you that this dispute is an internal dispute and I am sending this as an affidavit as well. 

Sincerely XXXX XXXX
Transunion score is lower than the other XXXX reporting agencies. The same stupid answer. Each company uses a different model. They do everything to keep your score low so that you are forced to pay a higher interest on everything. They want to sell you a product to track your score. I had the man on the phone check my report and I have no late or missing payments. I have a XXXX XXXX XXXX bankruptcy. It takes 10 years to get if off. How can you do any kind of transactions without getting an inquire that lowers you score for two years.
XXXX XXXX XXXX, attorney for XXXX XXXX XXXX, applied a line item to my already discharged bankruptcy for {$14000.00} in fees for himself. The bankruptcy was discharged in XXXX, XXXX. XXXX XXXX XXXX did n't even acquire the mortgage previously held by XXXX until XX/XX/XXXX. The amount for attorney fees was applied in XXXX or later. There is no date on the entry. On the bankruptcy documents, the attorney 's name is spelled wrong, as XXXX, but the word County is also spelled wrong. The address in XXXX, OR is where XXXX XXXX practices. I only discovered this addition to the bankruptcy records after a short sale failed in XX/XX/XXXX. This house was supposed to be foreclosed on in XX/XX/XXXX. I do n't know what the attorney fees are for, only that he was working for XXXX XXXX XXXX. There are similar, related complaints filed against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX and XXXX
Disputed mulitple entry on credit report with trans union on several occasions. Trans Union will verify the account is at XXXX balance but refuses to remove the duplicate entry.
Paramount Recovery System, a collection agency, simply showed on my credit reports XXXX 2017. I contacted them by researching their phone number and provided the account number listed on my credit report. This was the very first time I had ever been informed about this debt. I spoke with a representative who informed me the debt was from medical facility 6 years prior to the current date. Paramount had an address on file where I had not resided in 15 years. I provided them with update information including my current address. I asked them for proof that I owed this money in the amount of {$1100.00} and I will make payment arrangements. I was advised to go directly to their website www.paramountrecovery.com where i would be able to see an invoice that outlined the debt. Therefore, I visited their website as instructed and the site only accepted payments and did not provide an invoice or any indication that I actually owed the debt. I then contacted Paramount again and requested a copy of the invoice be USPS mailed to my address. To date I have not received an invoice just additional letters demanding more the monies. I contacted them several times more and they just wanted to offer settlements of 50 %. I do n't believe I owe this money and Paramount has not provided any proof to indicate that is a legitimate debt. They are now threatening to take additional legal action if the debt is not paid or settled soon. I never offered to settle the debt, just asked out of curiosity. Thank you.
On XXXX XXXX, XXXX, I spoke with the fraud department at Chase Bank. XXXX checks had been written and cashed on my account. Chase told me it would take 30 business days for me to be made whole, but that I would be compensated for XXXX of the checks in the next 3-5 business days, which I was. Chase requested that I place my account in a restricted status and I did so. However, my account was never restricted and XXXX more checks were drawn on my account. Chase made me whole on these XXXX checks. I was called by a Chase banker to come to the bank to open a new account, which I did. Prior to this meeting, I discovered another fraud check dated XXXX XXXX, XXXX. 
At my meeting with Chase on XXXX XXXX, XXXX, the banker called the fraud department and informed me that I would be made whole on all XXXX outstanding fraud checks totaling {$4400.00}. Chase has not held to their word on this and they have not followed up with me. I wrote a letter to the office of CEO XXXX XXXX on XXXX XXXX, XXXX complaining about their processes and I have still not hear from his office. 
I have documentation for everything I have stated here and more. I find it borderline criminal that Chase paid checks from my account that had a different check maker than that of my company. From my side, they are obligated to make me whole, then collect the money for their corporate account.
Hello, With my current mortgage company back in XX/XX/XXXX when they took over from my previous company. It was a rough start, the property is in Texas and I live in Michigan, the old company knew my michigan address and it 's all over he paperwork, and I had the auto payment option activated. The new company took over and communicated with me via Texas address knowing that I do n't live there, that continued until XX/XX/XXXX when I figured that and called them just to find a threat of pay or foreclosure, I asked for statement, address, routing info ... etc When received the statement it contained about {$1200.00} in repair fees, I was with work in XXXX, TX since XX/XX/XXXX visited the property at least once a week and I am the one who cut the grass and water the trees, I never seen them or any notice or letter, anyways they refused to waive the XXXX however they reduced it. while I was in the process of discussing the charges with them someone came and broke into my house, and stole tons of my goods, then put a lock on the door with password, apparently that was the mortgage company. They cried for hours and claimed this is a third party then waived part of the charges. Now I asked for my new insurance company for more than a year and did n't get it until I went on XXXX  and created a scene then their rep was more than happy to assist. This year, deja vu same thing happened more than a thousand dollars charges for repairs, more than half of it for cutting grass!!!! They failed to pay my taxes on time to the county from my escrow ( granted I kept an eye and reminded them 5 times to pay it ), then they added the late fees ( more than XXXX dollars ) to my charges. I called them in XX/XX/XXXX to inform them that I am unemployed and need to fill the appropriate forms and see what I can do, that was followed by several calls and nothing is done, again I only got it when I created another scene on XXXX early this month. This is a small snap shot on what they did excluding all the uncalled for derogatory and racial comments I heard during they ugly process. I need help, I am helpless and had no say when this brutal company took over.
I signed for a trial plan with Equifax credit monitoring service. Unfortunately I was out of the country over this past 4 days and had no access to my emails which gave me the information or alert to cancel my service. I returned last night, but was able to call this morning after receiving a charge for XXXX to my card, called their customer service advised them that I already have a service that I use and no longer wish to use their service and wanted my XXXX charge refunded I do n't want to use it for another month.. The service representative attempted to offer me service for half off .. I explained no I just want my money back and he said he could not refund me my money back.. Why would I pay for something I no longer wish to use? All I want is a credit back for this service.
XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Equifax - learned about FCRA XXXX and sent on XXXX XXXX to block. Equifax refuses to block.
I opened a new Best Buy  Citi Visa Card o n  XXXX   XXXX ,   XXXX   for the purchase of a new computer with 0 % interest for 12 months  ( deferred interest charges ).  I received my statement through the mail on  XXXX   XXXX ,   XXXX  . Upon opening the statement it states the first payment was due on  XXXX   XXXX ,   XXXX  . Upon calling the customer support line at  XXXX , I was informed that the billing cycle for my card ended on  XXXX   XXXX ,   XXXX   two business days after the account was opened. Being I did not receive the billing statement until  XXXX   XXXX ,   XXXX   I will now have interest charged to my account. I will be returning the item purchased and closing the card.     I would like a record of this deceptive practice being done this company, by luring customers into deferred interest products and trapping them into deflating on the terms.
OnXX/XX/2016, this debt for {$480.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
In  XXXX  of  XXXX , I went to the  XXXX , Pennsylvania branch o f Wells Fargo B ank to address a concern about my ex-wife 's name still being on an account used to pay my mortgage each month. At that time, branch manager suggested I open a new checking account, in my name only, as a solution to this problem. The next day I returned to actually open that new checking account, and the manager then offered me a credit card account as well. When I asked some questions and found out there would be fees attached to these accounts, I declined to open either a new checking account or a credit card account, and left without opening any accounts.     On  XXXX   XXXX ,  XXXX , I received a phone call from a debt collector saying I owed money on a personal credit card account I had with  Wells Fargo. I  responded that I did n't have any such account, but right after the phone call, I went to the  XXXX , Pennsylvania branch of  Wells Fargo  to find out what was going on, and whether this might relate to my business account wit h Wells Fargo. The  bank assured me that the debt did not relate to my business account, but instead related to a personal credit card they insisted I had opened.     Even though I never received a personal credit card from  Wells Fargo, n ever received any statements and never made any charges,  Wells Fargo ul timately informed me that I had {$28.00} in unpaid annual fees. This is after my wife had put a bid in on a house, and after that bid was accepted, I also learned that  Wells Fargo r eported this supposed delinquency to the major credit reporting agencies, which dropped my  credit score f rom roughly  XXXX  to roughly  XXXX . As a result of this huge dro p in credit score, we lo st financing for the house, and lost the opportunity to reduce our monthly home ownership costs ( including mortgage, taxes and HO insurance ) from {$3800.00} per month to {$1700.00} per month. For the foreseeable future, I am losing {$2100.00} per month as a result  of Wells Fargo 's  conduct in opening a credit card account in my name and charging me fees without ever even letting me know they had opened a credit account in my name.      Wells Fargo has  opened a case number for my complaint, and it has submitted requests to  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX  to remove this alleged credit card delinquency from my name. But the damage is done, and Wells Fargo has not offered any significant compensation for the damage they have caused me.
Chase is unable or unwilling to correct an error of their doing in my HELOC -- an account I 've had for over 12 years -- and never a problem at my end. Despite a letter from XXXX corroborating what I 'm saying and explaining repeatedly, plus emailed to them repeatedly a copy of the XXXX letter with the explanation and reference numbers, Chase bank is now harassing me with documents. I 'm at my wits end after talking to over 15 people one person more detached than the one before. Why ca n't one person fix the issue and apologize for putting me through this endless torture.
I purchased an appliance from XXXX XXXX and bought an extended warranty on the product. I opened a charge account with XXXX XXXX with an implied agreement that the appliance would be in working order or be repaired under warranty. This appliance is not working and XXXX XXXX has refused to honor the warranty. They have failed to repair and/or replace this item. Now they are attempting to 'charge off ' an account but I feel I do not owe this balance because they are in direct violation of the extended warranty agreement. The warranty provides for repair or replacement of said appliance and was suppose to provide an additional layer of protection that my standard home owner 's policy did not offer. This is a direct violation Magnuson-Moss Warranty Act. Please remove the XXXX XXXX charge account tradeline from my report as this is a debt not owed.
XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Re : Social Security Number XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Transunion maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in  court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX
My estimated closing date is XXXX for a condo purchase ( today is XXXX ). All throughout the month I have been reaching out to Bank of America proactively to ask for status, to push for things to get done. For the past week, I have had to push even more because they could not come up with a closing date or provide an update on when my loan can be approved, even though I provided everything they asked me to provide. They provided me with a closing disclosure yesterday without explaining the urgency of me reviewing it ; it was only when my agent told me the importance and urgency that I realized if I did n't review it there would be implications. Luckily I reviewed it before the day was over. With 2 days to closing, and with the seller pushing for a closing date, and with me not knowing my living situation as my lease is expiring and I am to move out of my current unit by the end of the week, Bank of America 's answer is on my pushing for a closing date is as follows : " I ca n't tell you a 100 % date that this will happen because we are working as fast as we can to approve the loan. I believe there is greater than a 50 % chance that the loan will be final approved this week and an extremely high chance of final approval being done next week. '' Does Bank of America expect everyone to just be flexible with their living situations ( including my leasing office in my current unit, and the next tenant to move in ) and just pick up and go whenever they decide to come up with a closing date?? No matter how many times I pointed this out to them, my statement gets ignored. They tell me they have a backlog of applications to review. If they are so overwhelmed with applications, they should not accept that many to begin with! It is unreasonable to assume that a consumer should suffer and put their live on hold because of a bank 's " backlog '', and not provide a consumer with an expected date. For now, I have had to plan to rent a temporary accommodation and put my life on hold until Bank of America decides when it is of their convenience to come back with a closing date to us.
It is about a year I am in the XXXX and have an account at XXXX XXXX XXXX. I also have a travel reward credit card, but when I wanted to get my credit report from Credit Karma, I was told they could not find my information, or there was a mistake in my information, but I am sure I did not make any mistake.