WillisBack/dataset-financial-user-claim huggingface dataset:
I dispute these Item XXXX XXXX XXXX : Account XXXX Amount {$5000.00} not more than three payments past due. Please delete the amount of {$5000.00} and not more than three payments past due must be deleted. XXXX XXXX XXXX : Account XXXX Amount {$5000.00} I was never late on this Account : XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 60 days, and XX/XX/XXXX for 60 days. And please remove all date of these late payment must be deleted Equifax. Equifax did not compile with the State Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 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 in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts 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. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation
i take my credit very serously, always on time and pay bills in full. i am a member of XXXX and recieve monthly updates about my credit. a couple weeks ago i recieved an email from them about a decrease in score due to a debt collection. turned out to be a XXXX dollar medical bill that i never recieved any notification for, neither from the drs office nor the collection agency. i was so upset as im in the process of purchasing a home. i reached out to the drs office, which is in another state ( i went to XXXX school out t of state and relocated afterwards however my mother still lives at the address they had on file and always forwards me any mail she recieves. both the drs office and collection agency were extremely unhelpful. of course i paid the bill, but if it wasn't for my XXXX membership, i would still have no idea. im very upset, as there was clearly some mistake. noone even tried to call me. both the drs office and collection agency admitted to that, which i dont understand.
My complaint is with XXXX XXXX and Transunion. 

I recently read my credit report with Transunion. It listed a debt I had with a company called XXXX XXXX. According to the report the " account '' was opened on XXXX XXXX, XXXX and reported to Transunion on XXXX XXXX, XXXX as going to collection. I tried to call XXXX XXXX yesterday but their phone number was a number that went to voicemail. Their address is listed as XXXX XXXX XXXX, XXXX, TX XXXX. 

I never opened an account with XXXX XXXX. When I googled XXXX XXXX I noticed a number of consumers had also launched complaints with this company.
XXXX XXXX and Ability Recovery Solutions are reporting on my credit file that I owe monies for attending a school I never attend {$310.00} is being reported on my credit file each month. I tried contacting the school about the matter who advise me that I signed a contract which was never signed by me.
I submitted an original complaint ... and the company, Capital 360 responded ... .saying they are UNABLE TO RELEASE MY REMAINING funds ... and YOUR company said ... '' uh ... .okay ... I guess we can close this complaint ... duh ''!!!!! 
What the XXXX is wrong with YOU and CAPITAL 360? 
I have PROOF of the funds being pulled from my boss ' payroll account..I have proof that they are still KEEPING my funds after a MONTH!!!! 
CAPITAL 360 CFFB CASE # : XXXX
XXXX XXXX has consistently harrassed me when my payment is one day past due my payments are {$53000.00} per month, If the payment is one day late they will e-mail me and say that I am two payments past due. I wrote the CFO in XXXX about on several occasions to no avail. I am old school ( XXXX years old ) and have purchased many cars there has always been a ten day grace  period from the due date. 

My account number isXXXX Please help XXXX XXXX
I have coinbase and I bought bitcoin and then sold my bitcoin and now I have USD in my coinbase wallet but they wo n't let me transfer it to my bank account. 

I have emailed them and continue to try to " verify '' my bank account ( which I already verified and which was already used to even withdraw funds into my coinbase account ) The process is insane but I already went through it. 
So I started it again which was prompted when I went to withdraw my USD into my bank and they said they would withdraw 2 amounts into my account and that I need to tell them the amounts in order to verify my account. I got the amounts in my bank account and when to verify - the amounts were over {$1.00} and they only had an option to put in cents, no dollar. So I put in the cents portion and they said they did n't match. OF course they did n't - coinbase did n't allow me to put in the dollar amount, just cents. 
I did the process AGAIN, same issues. Coinbase does n't ever respond to any of my emails. They are awful. 

This is a SCAM.
We purchased our house located  XXXX   XXXX , Texas on   XXXX   XXXX  . The loan was initially with   XXXX   XXXX   XXXX   and then with   XXXX   XXXX  , and then was transferred to  BankUnited on     XXXX   XXXX   XXXX  . Shortly after that, the  Insurance Dept. fro m  BankUnited infor med that our property needs a flood insurance. We sent them  two mail s on   XXXX   XXXX  ,  XXXX  to explain that we had a  Survey from house builde r,  XXXX   XXXX , showing that the house is not on the flood zone. In those mails, a certified SFHDF ( Standard Flood Hazard Determination ),  FEMA Fo rm  XXXX , dated on  X/XX/XXXX , which we submitted to  XXXX  at loan application, was also included to show that the house is marked as zone " X '' on the Flood Map and require no flood insurance. The answer from  BankUnited t hen questioned that the SFHDF we provided was issued on   XXXX  , few months before   XXXX   XXXX  , and so might be out of dated. To respond to their and our questions, we requested for another  XXXX , dated on   XXXX  , again showing our house is on zone " X '' and needs no flood insurance. Meantime, we also contacted    XXXX   XXXX   Floodplain Dept. Manager,    XXXX   XXXX  to clarify. He sent us an email with proof, maps to show us the house is actually on zone "  X '' .. On   XXXX   XXXX  , we  sent them another mail and provided all these findings and proof. Since then, no words from  XXXX . Until, end of   XXXX   XXXX  , when we received the annual Escrow Account  Disclosure Statement, w e surprisedly found that {$1600.00} was charged for flood insurance payment. We called  XXXX   XXXX ,  manager of Insurance Dept., BankUnited, to disc uss the case and request them to reimburse the mischarged {$1600.00} back to our escrow account. She said they will do some investigation about the case. Since then, weeks after that, we called her twice a day to follow up. The answer from the  Dept. has bee n always " She is not available and no one else can be responsible for the case. '' We have no other way to do but file this complaint to pursue a justice and our {$1600.00} back.
I have been a customer of Comenity/ XXXX   XXXX  for two years and never ever have I been so frustrated and   XXXX   off to be a customer. I have been requesting for the p ast two day s for a credit limit increase and I have been deal t with one hurdle after the other. I have my account blocked because I have been  a victim of ID Fraud they asked for me to lift the freeze and I did yesterday when I was instructed to call back I was told that I could not request a credit limit increase because the process of the credit bureau instructing Comenity that my credit report is free of the freeze would be up to 45 days and that it would take a supervisor to again call me back on another day to verify that I was requesting the credit limit increase. I called the person that I was speaking to out and said I have many other credit cards and no it does n't take that long for a freeze to be removed for you guys to see my credit report. I got really frustrated and requested that my account to be closed because apparently you do n't believe in keeping your companies happy
My mortgage is with Wells Fargo in about XX/XX/XXXX. A fixed rate paying interest and principal. I had a problem for a shot while after XX/XX/XXXX making payments. I did a loan modification with them to get up to date. It started at {$1600.00} interest only a month and spiraled up in 3 years to now {$2600.00} interest only with no end in site. I talked to them two months ago to see if they could modify or refinance with a fixed loan that was not an interest only. They said they could not help me that my income to debt ratio was too high. In all this time I have not been late on a payment I also have good credit over XXXX. 

Thanks XXXX XXXX
This complaint is for how the customer service of XXXX XXXX XXXX handled a recent issue with their online payment system. Payments made online during the date of XXXX/XXXX/15 faced system issues where the payment was triplicated instead of processed only once. I became aware of the issue only after checking my online bank account ( XXXX/XXXX/15 ) and saw the reoccurance of the transaction and the overdraft they were causing. 

In following up with Aspire customer service on XXXX/XXXX/15, they informed me that they knew of the problem and were working hard to correct it. During the conversation, the process of how to handle the overdrafts for refund also occurred. The second representative I spoke with informed me that their company became aware of the problem on Monday, XXXX/XXXX/15. I asked if there was any thought of notifying the people affected by this problem - via mail, email, or phone number ( all of which they have ). The representative had no answer as to why they did not attempt to notify the people this would cause hardship for. 

I explained that this was, in my eyes, some of the worse customer service possible - to not even attempt to notify customers of unauthorized charges their company was making. I explained that they have my contact information and that is wrong to not notify and allow the customer to find out on their own. 

The represenative said they could see my point. They explained they are working on the return of funds and working on solutions to prevent issues like this from reoccurring. I am, mostly, satisfied with how I was treated on the phone - my complaint is with their policy/lack-there-off in regards to notifying customers of issues they have caused. The returned money may take up to a week to return to my account and I will have to go through a claim to get refund for the additional fees and fines caused by this oversight in their systems. 

They did not have an answer regarding how this would create additional hardship for weeks or months to come - handling the refund process will take 5-10 days, then wait for a check to be issued and received. They did not have an answer for the impact this would have on subsequent bills with their own company and explained they had not discussed any way to assist those they caused negative impact for. 

They had the information to provide to myself and the countless other customers impacted by this situation and did nothing.
XXXX XXXX XXXX XXXX XXXX sent me a letter for {$5600.00} on a debt that is over 8 years old and claims that XXXX XXXX is the current creditor in which there both debt collectors trying to claim or retain debt not owed and sending letters for a debt not valid. All these years XXXX XXXX XXXX nor XXXX XXXX has never sent any form of any such debt. And trying to collect interest for all the years with no notice of any such kind. If they like we can take it to court and they can explain why there has or was any attempt in all these years to try to collect a debt with interest. That's there negligence.
While shopping for new appliances on XX/XX/XXXX at sears.com I was offered 10 % or up to 18 months interest free if I applied for and used a Sears store card. I used the provided apply and use now " button ''. I completed the application process and was given a credit line of XXXX by Citi bank After doing so it asked me for the full account number, expiration and security code. None of witch were provided to me. I attempted to log into the credit card site it wanted the full account info, expiration and security code to proceed. 

I called Citi bank. They told me I would have to wait for the physical card to make a online purchase. I explained to them that I was offered a discount and applied to use the card now. They informed me that I had to wait for the physical card. I could use the account only in stores by having the cashier look up my account with my social security number. I asked to speak to a manager and was placed on hold and after 10 min was either hung up on or got disconnected. 

I called back and was told by this person that Sears online would have to deal with this and was transferred over to them..The person I talked to immediately transferred me back to Citi bank. I explained the situation to this poor rep and asked to be transferred back to Sears online customer  service and was hung up on or disconnected. 

I then called Sears Online and explained the situation to the rep and asked for a supervisor. The reason I gave was that I was offered 10 % or no interest for applying and using a Sears card. That I had been informed that I would not be able to use the account without the physical card. I wanted to know if I purchased the items would they be willing to give me a 10 % discount or would they be able to reverse the transaction and put it on the account when I did get the card. I was asked to hold, after 20 min I got a automated message in Spanish ( which I don't speak ) and hung up on. 

I then called Citi bank again I told the rep that I wanted the account closed and it reported that it was opened under fraudulent circumstances. I explained to the rep that I was offed a substantial financial incentive to open the account. A incentive that was not honored. The rep stated that I willingly opened the account so it was not fraudulent and that it was not Citi bank 's responsibility that the terms were not honored. They then closed the account, told me to have a nice day and hung up. 

All this took 4 hours of my day. I did order my items off Sears.com with  my debit card. 
Citi bank now has my complete info with wages etc.and I took a hit to my credit score. No parties feel obligated to honor the original promotion that started this mess.
Several months ago I was making a XXXX reservation and enrollment in XXXX program. Attached with the XXXX program was a promotional offer for a Chase Credit card that would have provided bonus miles as part of the XXXX program. I did not purchase the airline ticket and canceled the reservation. I believed that the XXXX program was not completed and also assumed the credit card application was voided because of that. I never received the Chase card but am being billed for initiation of an account. I advised the card company over XXXX month ago of this situation. Now, they are billing me {$100.00} for the card initiation as well as late charges. How do I get these charges canceled for the product ( credit card ) I never received, for services I 've never been provided, and having purchased nothing against the card?
On XXXX/XXXX/2016 my debit card was used fraudulently to purchase XXXX dollars worth of t-shirts from a company called XXXX.online. I notified Netspend, the company who issued the debit card, on XXXX/XXXX/2016 of the fraudulent charges. I filed a police report with the XXXX Police department. Police report number XXXX. The detective was able to determine that other people had their debit cards used fraudulently to purchase items from XXXXonline. Netspend performed an investigation and determined that I am responsible for these charges. This is completely unacceptable and unethical. Per the Electronic Fund Transfer Act, if I report these unauthorized fraudulent charges within 60 days, the most I could be held responsible for is XXXX dollars. Even XXXX dollars is questionable per the FTC which states, " if someone makes unauthorized charges with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days ''.
Around XX/XX/2018, I received a letter from Portfolio Recovery Associates in regards to a debt they acquired from XXXX XXXX, accounts ending in XXXX and XXXX. Within 30 days I responded with debt validation. During the period of dispute Portfolio sent a letter on XX/XX/XXXX attempting to collect. Violation # 1 per CFPB. Letter is  attached. 

https : XXXX Portfolio can NOT deny that I sent a letter to dispute because on XX/XX/XXXX their Dispute Department sent verification documentation which asked if I would like to request additional information to VALIDATE. 

Only XX/XX/XXXX Portfolio Recovery sends out a letter stating that they have reviewed my dispute and WRONGFULLY used FCRA to consider this matter closed. 
They also state that if they receive anything else regarding a dispute they will considered the inquiry answered. Letter attached ALSO, on  XX/XX/XXXX stated in letter that they previously requested additional information so that they could complete their investigation. THIS was sent THREE days after the letter I received on XX/XX/XXXX. In this letter they state that they will not complete the investigation. Letter attached HOW CAN A CONSUMER RESPOND TO SEND ADDITIONAL INFORMATION IN A THREE DAY TIME FRAME? 

Portfolio has not only violated my rights under FCRA but have also violated FDCPA laws. This company is using unethical and shady tactics to deter the dispute process that I have EVERY right to as a consumer. How am I suppose to handle said alleged debt if the company is not in compliance from the start?
So on XX/XX/2018 I get a update from XXXX XXXX  stating that XXXX has been removed from my Equifax credit file..I contacted Equifax and they stated that XXXX stated that the account belongs to me ... I contacted XXXX numerous of times and ask them since the account is paid in full can they remove it from my account Im getting fraudulent fees back from equifax and XXXX but XXXX XXXX said they will update my information and late payments are still showing which is wrong. Equifax keep updating with XXXX XXXX that account is remove which now they saying it was updated to change account
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX Department XXXX XXXX applied via XXXX XXXX Department store ). This account was opened on XX/XX/XXXX- and currently has a balance of {$700.00}. In early XX/XX/XXXX I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX on XX/XX/XXXX explaining that I was a victim of identity theft and they said that an investigation was in process.
I have sent request for validation of debt. I have a certified mail receipt. Company has failed to respond in accordance to FDCPA guidelines. I have demanded the removal of the item with still no response. I would like the item removed immediatly.
Received a phone call, tried to ask to validate the debt and was yelled at to pay right away. Repeated phone calls after telling them I would call back when I validated the debt. Threats of a law suit and reporting to the credit agency the next day if not paid. No contact was made prior to this.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX and requested a copy of all monthly mortgage payments sent to XXXX XXXX XXXX , XXXX from XX/XX/XXXX. The company sent a two page form for me to fill out and requested a copy of my current Identification which was included in the envelope sent to their XXXX, Colorado office. My ticket number for this request is # XXXX. I have spoken to several customer service representatives each has told me that a supervisor will be " expedite '' my issue and call back in 24- 48 hours.This has happen twice, I have been hung up on once, given wrong information, and a new case ID number. My personal information and driver license is with this company. With the lack of customer service and professionalism that I have received.I am concerned greatly
A collection account appeared on my credit report by Portfolio Recovery Assoc. I have disputed this item XXXX different times with PRA with no response to date.
I have disputed this numerous times with Transunion and every time they " update '' my dispute by vaguely adjusting a filed in the tradeline. It is ridiculous on how they break the law on disputes. Well a XXXX XXXX XXXX account was finally removed a a few months ago and then they added it back to my file last month. Never received any letter stating they would add it back. I am in a mortgage review and this is crucial and I am in a sense of urgency. I have submitted a ton of letters and reports and they never directly handle my request concerns. This needs to stop because it is dramatically affecting my credit score. I have attached my last dispute letter and faxed over all credit reports including the one from them showing the tradeline gone.
I am attempting to get a modification on my mortgage with Wells Fargo. I have submitted a loan application twice which was denied. The first application was denied because I did not make enough income. I obtained a part time job and resubmitted. The second application was denied because I did not have sufficient history of the higher income ( i.e. had n't made the income long enough ). For each modification denial, I have taken the necessary steps to do everything requested of me. However, I believe that Wells Fargo continues to " move the mark '' once I achieve it. Additionally, my primary source of income is self employment. I have provided Wells Fargo with 5 months of income from my business. I believe that Wells Fargo is not properly considering my business income in its determination as to whether I can participate in the loan modification program. 

After the denial of each modification, my home is scheduled for foreclosure sale. When I request information on the amount needed to bring the loan current, it includes {$1500.00} of foreclosure fees. Ive requested from Wells Fargo verbally and in writing for a break down of the foreclosure fees and have not received it. A representative told me that it included a " home inspection ''. If my house has not been sold, how can a home inspection occur?