WillisBack/dataset-financial-user-claim huggingface dataset:
Santander Bank Mail Code:XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX and XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX from XXXX, XXXX, XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
IC Systems reports that I owe XXXX {$100.00} and this acct was opened on XX/XX/XXXX. This is simply not true. I never opened up a XXXX account last year or the year before that. I did have a XXXX acct in XX/XX/XXXX but that was nine years ago. I have sent them several letters via US Post demanding they either produce evidence that I did open an acct in XX/XX/XXXX or remove this inaccurate information. They simply do n't respond or write back, and every month they keep reporting this. Please help me
Quicken Loan ran a credit report 3 times against my approval. I informed all 3 credit bureaus in the past of any fraud of receiving my information without my permission and was to be cover for 3 mos or more. As far as the letter I received back from all 3 bureaus no one is supposed to run my credit without calling me first or my approval. It appears this has gone through and has lower my credit score even more. Please remove these inquiries from my credit history. Please DO NOT allow this to pass through again without proper notification.
On XXXX XXXX, 2015, I purchased a starter XXXX Netspend prepaid card at a local XXXX grocery stores. I added {$96.00} as a starter value and paid a {$1.00} fee. 

Upon trying to activate the card, I was getting an error. After XXXX hours on the phone and being lied to by various agents at the Netspend company, I finally was told that due to " suspected fraud '' the account has been shut down and I would be getting a refund check within a week. No further information was given besides multiple calls. 

It is now XXXX XXXX and I still do not have my refund ... .or a refund of the activation fee.
This company calls me at my work and Ive asked them to stop because Im not allowed to have personal phone calls at work.
Last year XXXX I called to ask about receiving XXXX papers. As I am and submitted everything to them. Been XXXX since XXXX all during school and I'm still XXXX. We'll to my surprise I was denied. Discharge. I feel I was not given the correct response. Something must have went wrong somewhere. I feel I have been treated unfairly, because I'm a minority. I do not have the energy to go back and gather all that information I submitted again. And I do not wish to. It's sad that the one 's who deserve the help get denied the help. I reside in FLORIDA
I am unable to view and or dispute anything online through Experian. They wont let me do anything unless if i mail them and pay them or wait on hold for hours on end
On or about XX/XX/2018, I called XXXX XXXX for an auto insurance quote. The quote came back more than double my previous rate and I was told by the rep that they had pulled a LexisNexis report that showed multiple accidents accounting for the increased rate. I contacted LexisNexis and requested a copy of the report. 

The report I received from them dated XX/XX/2018 includes accidents for other individuals from other states with different dates of birth and social security numbers. I contacted LexisNexis and was told that my insurance company had provided that information to them and that I would need to contact my insurance company. When I contacted my insurance company they did not have that incorrect information and said they did not provide that incorrect information. 

I filed disputes with LexisNexis for the incorrect information and am still waiting for a response. I feel that LexisNexis should be held accountable for recording incorrect information especially when they have dates of birth, addresses, and social security numbers, all of which are easily verifiable. There is no reason for other individuals ' information to be carelessly put on my report.
Sent in my escrow shortage along with the payment coupon that told what the payment was for and they applied it elsewhere. I have called several times over 2 week period and they keep saying they are going to fix it but it has not been fixed yet to display the proper mortgage payment amount. Also in the past I mailed in my mortgage payment and the funds where in my bank account. They said the funds where not in the bank and charged my a NSF fee. My bank didn't even charge me a NSF fee because the funds were there. I even went to my bank to get proof and sent it to them and they still tried to say the funds where not in the bank so they could get a {$30.00} fee.
I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$68000.00} XXXX due : Experian and XXXX $ XXXX {$0.00}
I went with another cell carrier in XXXX, 2016. XXXX XXXX, I received an invoice from XXXX, for the pay amount on XXXX phones that I was doing the lease on. The bill was {$590.00}. I sent payment for {$360.00}, conformation # XXXX. The payment was due XXXX XXXX. I figured XXXX would then send me an updated bill for the balance. However, without another word from XXXX, they sent it to a collection agency, RPM. 
RPM have been calling my phone and home phone 4 to 6 times a day. I contacted them XXXX/XXXX/16, to see who this company was. And why they continue contacting me. That is when I found out, it was over XXXX. I told the lady, I had not received another invoice from XXXX or even from them. She stated they mailed it and would mail another. I informed, again, I had not received notice from XXXX or them. She said they sent a notice on XXXX and that is all that is required. I informed her to stop calling and send my notice. She refused and hung-up on me.I can pull phone records to show the number of calls, I have received. RPM have made 4-6 calls daily for a couple weeks. Which is the time she stated they mailed a notice. This is extreme. They are refusing to send me a notice. I believe XXXX should send me the total, my payment, and a balance.
Private Bank of XXXX refused to share the appraisal of our home during the negotiation of the sale, resulting in the buyer 's frustration and walking away from the offer. We are now being threatened with having to pay the balance of the loan or renegotiate the terms of the loan as it will shortly become due.
Please see attachment, it includes my late mothers XXXX certificate in the State of Tennessee. The XXXX XXXX maybe still using her social security number. My mother maiden name is/ was XXXX XXXX XXXX
i have asked XXXX to send me me credit report to see my history and score but its saying error. i called them they gave me a claim number. i keep on sending them my personal as gov id, ssn, utility bill, and proof address. every time i send them my info to them they send me a letter to send them all these info again. they keep on sending me the same letter with different case number.
Hello, I called the company " Financial Account Services Team '' located XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX, on XXXX XXXX, 2016 at XXXX Central Standard time / XXXX EST. Spoke with a XXXX XXXX regarding said possible collection for the amount of XXXX. I asked what it was regarding and I was told that it was due to a utility bill. I had stated that the bill should n't exist as I would have had to pay any closing amount prior to my moving since it had to do with the city. However due to current circumstance I went ahead and paid. 

I asked knowing that I had been informed by my Bank XXXX to do so, to ask for a copy of receipt and a notice that it would n't hit my credit per agreement upon paying. XXXX XXXX informed said he would send it via email, placed me on hold then came back and was very argumentative and rude. Stating he really did n't have to provide me such requests ( mind you after I had paid it ) as he had just stated he would. Then stated well I sent it via email. I asked well do you mind sticking around for a minute until it comes through. Which it did n't nor has it. I told XXXX XXXX that it had n't arrived and it should have by now, he said i would n't know as I do n't have these sort of problems referring to collections issues. He then hung up on me, I attempted to call back and was hung up on multiple times. I find it odd that the city never sent me ( my address was forwarded to new location ) any notice of debt ( which I would have happily paid ), and henceforth my discussion with XXXX XXXX there was never an attempt to send or present me with the notification or verification of debt. Also upon asking if this was going to negatively hit my credit and if he could make sure it did n't. XXXX XXXX also threatened to the effect that if I did n't do as he was asking that he would ensure it does, how would I like that. that he would mark it to hit my credit report. 

Also as to knowing of this debt I was never sent anything from the city of XXXX XXXX, XXXX regarding this purported debt. Though my address has been forwarded to my new location, my phone number never changed from what they would have had on file for me. My credit has been great and I have worked hard to maintain it so I could utilize my XXXX home loan this year. Unfortunately I fear due to the way XXXX XXXX handled everything, with the deceit, arguementiveness, and threats that this now will be in jeopardy. 

Upon further review of this company I found that this is n't the first type of issue with other collection attempts from other people. That the staff is known for harassing and making false statements while not aiding by the law. That there are possibilities of further illegal activities from the head of company XXXX XXXX. Please see link below of reviews from contracts and former employees posting on google. 

XXXX XXXX did not provide me a full confirmation number neither just the last XXXX digits of XXXX, though I had asked. 

XXXX This place needs to be investigated, fined, shutdown, and all collections accounts for which they service to be notified of their shady illegal practices. 

Thank you
I was notified by the mortgage office that an old creditor XXXX XXXX was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. XXXX XXXX has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with Experian and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.
I called Wells Fargo this morning since I was told last night I was sent to their Lost and Found Department. 
I was told my account is on hold. I was never given an explanation as to why my account was flagged in the XXXX place. 
I called and spoke with XXXX in the Executive Office Banker # XXXX of the Lost and Found Department. 
When I asked her what the problem was, and why my hold is on hold. She processed to read to me several times that Wells Fargo can terminate my account at any given time for no reason. She kept repeating the same phrase. She was unable to provide any direct examples, or point out any issues what so ever. 
XXXX, I get paid and get deposits. This has been the case for months. I have never been advised by Wells Farog that there is any issue. I attached copies of my current bank statement as of this morning. You can see my transactions, and there is no issue whatsoever. 
Why I am being discriminated against? 
Why can I NOT bank in peace like everyone else? 
Why is my account being flagged for no reason? 
XXXX has given me a hard time because she felt like it. So, who is advising her to do so? It must be nice for her to do as she pleases with my bank account. 
It seems to me this is being done so that I have financial hardship for no good reason. 

I have attached XXXX photos. 
1 of current bank statement with current purchases all of which are normal. There is nothing outstanding or strange on my end. 

2. A photo for which shows that I am directly blocked from accessing Wells Fargo Website. Why? Why am I being blocked from banking with Wells Fargo.
MRS has been calling my work line and cell line for several weeks/months about a debt I do/did not know about. After checking my mail yesterday, I received a letter from them about a debt by XXXX XXXX XXXX and to respond in 30 days to dispute debt. The letter is dated XX/XX/ 2019 and tied to an account balance of {$2800.00} from XXXX XXXX XXXX XXXX, which I never received any letters from them about this debt either. Due to not knowing about debt until I received this letter, I will be disputing it. I placed this though under communication tactics because they call my phones twice if not three times a day.
I initially borrowed {$500.00} in XXXX 2015. To date, I have paid {$990.00}. I read the loan payments would be monthly, but they withdrew them every two weeks, which have left myself and my children short for rent, utility payments and food. This loan XXXX lacing my family at risk and I am requesting assistance with addressing this fraudulent matter. I was informed by my Financial Advisor, that Payday loans are illegal in Massachusetts. I 'm battling XXXX and need to be sure I can protect my children. Please help us.
I received a call from Summit Receivables regarding a debt with XXXX XXXX. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from XXXX XXXX.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXXBalance {$760.00}
Hi, I applied for public student loan forgiveness two years ago, the beginning of XXXX, and my loans were transferred to XXXX at that time. I have income-driven repayment, and have made all my payments on time in the correct amount, about 23 total I believe. XXXX is saying that I have only made 10 qualifying payments total, and that I won't be eligible for forgiveness until XX/XX/XXXX ( when it should be XXXX orXX/XX/XXXX since all my payments should be qualifying ). I have called to have it fixed, the rep did try and help and said he would submit it to have it fixed, however I never heard back and this was about a month ago. I have tried getting in contact with customer services in several other occasions since then, no luck. I need to have this corrected as I am worried that I will never be eligible for forgiveness if they continue on at this rate.
I HAD A LOAN THROUGH US BANK IN 2014, THE CAR TOTALED AND THE INSURANCE COMPANY PAID OFF THE LOAN. US BANK EVEN GAVE THE INSURANCE COMPANY THE TITLE OF THE CAR. I WAS TOLD THAT I HAD TO MAKE ANOTHER PAYMENT AFTER THE TITLE COMPANY PAID OFF THE LOAN-SO I DID FOR XXXX. I THOUGHT THIS WAS VERY WEIRD, BUT I HAD MISSED ANY PAYMENTS AND DID N'T WANT TO DAMAGE MY CREDIT. EVEN THOUGH THE INSURANCE COMPANY STATED THAT THEY GOT A PAID IN FULL LETTER FROM US BANK. NOW I SEE A CHARGE OFF ACCOUNT FOR XXXX ON MY CREDIT REPORT FROM US BANK, THEY ARE STATING THAT I SHOULD HAVE WRITTEN A CHECK FOR XXXX, AFTER THE INSURANCE COMPANY PAID OFF THE LOAN. BUT I CA N'T GET ANY DOCUMENTATION FROM US BANK AND THE CHARGE OFF DEPARTMENT IS STATING THAT I OWE IT " PLAIN AND SIMPLE ''. SOMETHING IS NOT RIGHT HERE.
An erroneous reporting on my equifax credit report shows a {$190.00} owed to XXXX. I have never opened nor had any power account with XXXX. In fact, during the time that this account was opened by an identity thief back in XX/XX/XXXX/XX/XX/XXXX I happened to be stationed abroad. I submitted pages of my passport to Equifax showing U.S Customs stamps proving that I was indeed abroad and could not have possibly opened that account but Equifax will still not investigate the erroneous reporting. My latest dispute that was certified-mailed on XX/XX/XXXX to Equifax on this matter, they never even bothered to respond to my dispute. It 's been +45 days now, please help!
A XXXX XXXX XXXX bill was paid in full in XX/XX/XXXX. A collection was put on my credit report to collect the debt in error. This debt has been disputed yearly since it first appeared in roughly XX/XX/XXXX. Each time this has been disputed, it has been found that I am correct and the collection has been deleted. Then, the debt is sold to a different collection agency, which puts another collection on my credit report ( which is disputed and then deleted ).
XXXX XXXX, 2018 I requested my credit score with Trans Union and saw that there was information such as an incorrect address on my report. I called Trans Union to ask them to correct the information. Looking at my email, I have been charged {$19.00} for this report. I had requested a credit score for my husband too. He also received an email charging him for the report. We did not authorize these charges. I 've checked my bank account and one of the {$19.00} charges is showing up. I called my bank and had them close my debit card immediately. The bank will not pay since the charge had not been processed. How do I get Trans Union to cease making attempts to charge my checking account? I want to discontinue any contact with them immediately.
I was hospitalized on XX/XX/XXXX18 for a XXXX, I was in the hospital for 2 and half weeks. After getting out of the hospital I decided to take a vacation to  XXXX departing on XXXX-18 arriving XX/XX/2018 to visit relatives and friends, I purchased my ticket online through XXXX with extra protection and insurance in advance, I thought by then I'll be clear of all the follow up doctor visits and all the test/XXXX XXXX. On my follow visit to the doctor in XX/XX/XXXX I was told by my doctor that I was not allowed to travel on a plane till I was clear of all the doctor visits, tests/XXXX. On XX/XX/2018 I called the Air Line spoke to XXXX to cancel my flight, I was told that they had to review my case and will let me know what the outcome will be, I sent them all the necessary documents and a Doctors note stating that I was not fit to travel, after a couple of days I received an email from XXXX XXXX stating that I will not be refunded the money and that I needed to solve this issue with my Citi Visa Card. After I called Citi Visa XX/XX/2018 to resolved this issue with them after going back and forth for 5 months now, I emailed them all the necessary documents including the Doctors note that they requested, to this day XX/XX/2018 haven't had any success to get a refund for the amount of {$1200.00} plus all the late charge and interst fees.
A company going by name Debt Recovery Solutions , LLC has constantly harassed me about supposed medical debt in collections. These are fraudulent charges. I have disputed these charges as fraudulent on multiple occasions with all 3 credit borrows. Company keeps opening collection accounts in my name for different amounts ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX.
In XXXX I took out a {$100.00} 30 day CD at 9.5 % interest automatically renewable at current CD rate unless bank notified me otherwise. The bank was XXXX XXXX. They were bought by Fifth Third in XXXX. I felt that would be no issue as my mortgage, boat and car loans and checking and banking were with them. I was well known in the community as having serve at both the XXXX  and XXXX   level. I just let the Cd ride tell retirement. They now tell me on presentation they do n't have any record of it and denied honoring it and I should have gotten a letter. Trust me I 'm meticulous in keeping records. So I asked for the letter. They had nothing given that money doubles every 7-10 years I figure it 's worth near {$500.00}. I 'm sure it would hardly break their bottom line. I had check unclaimed funds in the mid XXXX for our last name as my mother had XXXX. Did n't see anything under mine. Can you help
Mortgage lender reported to Credit Bureau that shows a 60 day late payment in XX/XX/XXXX for a XX/XX/XXXX payment on my credit report.Original loan was indeed in my name but in XX/XX/XXXX Came a divorce.In the Final Divorce Decree it's ordered for the Wife the divorce filer Be Liable For All Future Payments of said mortgage and hold husband NOT LIABLE for any such payments as entered in the decree as of XX/XX/XXXX. After speaking to the creditor and the credit bureau I fear the resolution will not be the proper and fair decision since I'm not liable for the mortgage that by law belongs to another. Creditor (Mortgage Lender) has already stated in the phone conversation on the morning of XX/XX/XXXX that there would have needed be an application for a loan assumption which by my standards is not acceptable nor fair. So I have taken by their comments that the information remains on MY credit report for a loan and property that I did not own at the time of reporting by creditor and credit bureau.
I opened a Citi checking account under a promotion code and after meeting the requirements I confirmed with a representative via email ( attached ) that I completed all stated requirements and I will receive the bonus points within 90 days. 
Citibank closed my checking account about a month ago without notice or cause and refuse to issue the promised points.