WillisBack/dataset-financial-user-claim huggingface dataset:
I found out I have a Judgement on my record. After looking into it and verifying this was mine I contacted Chase and followed the steps they told me I needed to follow to remove the Judgement. I settled and paid the agreed amount. Faxed them the paperwork they asked for and they said it would take up to 3 months to process and have it removed. That was about 5 months ago. I have contacted them twice and they said they would mail me the paperwork. I verified my mailing address both times and have yet to receive anything from them. How should I proceed?
Debt Collector stated she will destory my credit score to XXXX in which I considered as verbal threat.
I have made several disputes over tradelines from the creditor XXXX and submitted sufficient supporting documentation that the tradelines are fraudulent and must be removed immediately. Experian refuses to acknowledge that XXXX is in violation of FCRA regulations. I disputed the tradelines with XXXX and XXXX  and XXXX then reported that the tradelines are fraudulent and agreed to remove them. However, the creditor is reporting to Experian that the debt is valid and Experian is allowing XXXX to continue reporting these fraudulent tradelines. It is Experians job to ensure that fraudulent credit reporting does not impact the consumer. Therefore, Experian failed to perform their duties and is in violation of consumer protection regulations- allowing XXXX to report these tradelines as valid while knowing that XXXX and XXXX have removed all XXXX tradelines from my credit report due to fraud and other reasons stated in the dispute. I last disputed the tradelines on XX/XX/XXXX and Experian assured me that the tradelines would be removed by XX/XX/XXXX ; this is a promise that was made before. I will not allow Experian to continue reporting these tradelines as valid nor allow them to ignore the facts.
I made a purchase of furniture in XXXX XXXX at a local dealer and he was supposed to ship me the items. He told me the order was delayed and after giving him ample time, I have understood he is not gon na ship the items. I reached out to my Barclays Premium credit card for help. I disputed the transaction in XXXX XXXX, for the amount. I got a credit into my account, but after 4 months in XXXX XXXX, Barclays took away the credit saying the XXXX wants the money back. So Barclays gave me exact 5 days to prove my case. I called their remote Dispute dept to request more time, since the letter came out of no where. But after multiple snail mails to re-open the case, they kept closing the case, saying I did n't provide enough proof of delivery. I spoke to seller and made him talk to Barclays, and he clearly agreed he did n't ship the items. But now the XXXX says the money is taken back from him. THe money is in Limbo state, and as per XXXX he doesnt have it. And my Credit card is mean and not helping me with anything after many repeated requests. But they charge me that amount and ask me to pay for it. I need help here. I have no way to reach XXXX, and the XXXX himself is not keen on pursuing this, because its my money and he does n't care much about it. My Credit card company, closed the case without enough enquiry or proof. They are blatant and unethical. I need help here, losing money and no furniture and went thru lots of turmoil last few months. Please help. There are so many parties involved here Credit card company, XXXX, XXXX XXXX processor.
I have no understanding why Exeter Finance is being aloud to violate my FRCA rights. In XX/XX/2018 Exeter Finance Corp reported a payment to XXXX  this account is a charge off so how was a payment made? Where is the receipts? whose making payments?. And while an account is being disputed it is my understanding If you dispute the debt, the debt collector can not report it to a credit reporting agency unless and until it verifies the debt. If the debt collector has already reported the debt ( before it received your dispute letter ), it must notify the credit reporting agencies that the debt is disputed. After verifying the debt, the debt collector can report it, but only as a disputed debt. 

A debt collector violates the FDCPA and the Fair Credit Reporting Act if it reports a debt that it knows, or should know, to be false. 

This has happened to me mulitple times and I am tired of it. Please help me in fighting this. See attached letters where I disputed.
I went to XXXX to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " regret '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.
The Law Office of James R. Vaughan , P.C . in XXXX, AZ contacted me via mail on XX/XX/XXXX and sent me garnishment letter about the XXXX XXXX credit card account that was opened under my name and social security number and charged off to a third-party collection company. The Law Office of James R. Vaughan , P.C . has garnished my wages since XX/XX/XXXX. The XXXX XXXX account was too old so the identity theft could not be fixed by my lawyer. I would like you to help me fix my identity and prevent identity thief from happening again.
XXXX fraudulent charges were committed utilizing my wife 's debit card number and pin. I called Navy Federal Credit Union, our bank and submitted a claim to reject the charges and have the money reinstated. Naturally, I also cancelled the card. It is obvious that the charges were not done by either of us, as we live in XXXX and the charges were in XXXX XXXX, XXXX. The first charge was at an auto shop in XXXX XXXX for {$4500.00}. The second and third were both cash withdraws of {$300.00} each for a total of {$5100.00} stolen. I have submitted a police report to the XXXX County Police Dept in XXXX and the XXXX XXXX Police as well. I have repeatedly called the bank to ask for an explanation for the findings, but have received none, either over the phone or by mail. As an XXXX XXXX service member, it disgusts me that this bank does not back up its customers and repeatedly gives me the run-a-round when trying to figure out why this claim was rejected. Even if we do not get our money back, we are done banking with Navy Federal.
My XXXX account was included in a bankruptcy filing in 2010 which was discharged in that same year. I did not respond to correspondence from the debt collector about the allege debt for the reason mention above. The collection company should had performed ( due diligence/requested full disclosure of account status ) before acquiring this debt from XXXX. I 'm complaining about it because now its erroneously being reported to the credit bureau and adversely affecting my rating.
I purchased a mobile app service called XXXX XXXX on XXXX/XXXX/16. The service did n't work for me and so I requested a {$99.00} refund from the merchant on the SAME day. The merchant refused to grant me a refund because I clicked on the link they sent me to access the service which " voided '' the refund policy and made me ineligible for a refund. This was the most ridiculous thing I 've ever heard. Of course, I will click on the link to be able to try it. I do n't know how else to do it. 

I then went to Barclay credit card to dispute this charge and after a month, they came back to tell me that they can not credit me this amount because of the terms and conditions on the merchant 's website. I was grossly stunned by this lack of concern for their consumers who they do not protect from these fraudulent charges. I 've been a loyal customer who paid her bills on time and this is what I get? I do not care if I get charged {$1000.00} for a transaction as long as this is something that I CONSUMED. I refuse to pay charges that do NOT benefit me at all and so I request that the Barclay credit card company credit me back these fraudulent charges that reflected on my account on XXXX and stop this unprofessional practice of helping merchants rip off their own customers.
Send 3 letters to XXXX, XXXX, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18
I made maybe XXXX Credit Card transactions Total and Wells Fargo Cancel My Credit Card and send me a New One two my Moms Minnesota Address the Problem is I 'm a refugee living in XXXX and have no way two receive the credit card. 
This is the 3rd Time in the Last year Wells Fargo Sent me a new Credit Card. 
Theres XXXX Refugees in the World and the Banks want two Just send them new Credit Cards when they do n't live in the Same Country Subject : Your card has shipped From : Debit and Prepaid Cards XXXX/XXXX/2017 XXXX Contact Us Your new card is on the way We have shipped your new Wells Fargo Debit Card ending in XXXX. 

We sent you a replacement card as a precautionary measure because your current Debit Card may be at risk for unauthorized transactions. 

Your new card will arrive within 5-7 calendar days at : Shipping Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Your card will arrive in a white envelope with the Wells Fargo logo in the upper left hand corner and a XXXX, SD return address. 

Front Image of Envelope Wells Fargo Debit Card Envelope What you should do Keep using your old card until your new card arrives. If you have n't received your new card already, it should arrive in the next few days. Your old card will close on XXXX/XXXX/2017. 
Activate your new card right away by calling the phone number on the sticker attached to the card or by using it at any Wells Fargo ATM. 
Destroy your old card. 
Monitor your account for any purchases you do n't recognize. Contact us if you do not recognize a transaction made to your account. 
What you should know We will continue to monitor your account 24/7 and will notify you if we detect any unusual activity. 
Your replacement card will have a new card number, expiration date, and new XXXX security code on the back of the card. 
Alerts can help you monitor your account activity. You can go to Alerts to manage your subscriptions. 
If you have another card at risk, we will notify you separately. 
Wells Fargo cards come with Zero Liability protection* at no extra cost. You will not be liable for unauthorized card transactions when you report them promptly. 


We understand the inconvenience this may have caused. If you have questions or do n't receive your card within 7 days, please call XXXX ( XXXX ) or contact us by secure email. Phone Bankers are available 24 hours a day, 7 days a week. You can also visit our Fraud Information Center at wellsfargo.com/fraud for resources to help you reduce your risk of fraud and identity theft. 

Sincerely, Debit and Prepaid Cards * Please refer to your applicable Wells Fargo account agreement and card terms and conditions for information on liability for unauthorized transactions. 
XXXX
In XX/XX/XXXX I received a NetSpend Card for my wedding gift. My brother purchased the card for me at a XXXX location and included a receipt stating it was {$100.00} on the card. A week later I went to activate the card and was told by a NetSpend customer service representative that I would have to give my social security number to them in order to activate the card. I told them that I've never been asked to provide my social security number to get access to a prepaid gift card. The representative told me if was company policy. I ended the call and stored the card away to figure out what was really required to activate the card. 

Recently, XX/XX/XXXX I called again to activate the card. I was asked again to provide my social security number. I told them I didn't feel comfortable with this as this is a gift card. The NetSpend representative then told me the card was actually bank/check card that only can be activated by opening up an account with them, hence the need for my social security number. I asked her to verify the amount on the card. The representative explained that there was {$100.00} loaded on the card back in XX/XX/XXXX but NetSpend has been charging me a monthly maintenance fee that they charge on all active accounts causing my current balance to be XXXX. 

I went back in forth with the representative to get a better explanation of what occurred. If by NetSpend 's policy I must open up a line of credit with them to activate an account and they charge a monthly maintenance fee for all active accounts, how was I charged a maintenance fee for an inactive account? 

I asked this question several times and was just told that is there policy. As of this date, Wednesday, XX/XX/XXXX, I have not activated an account with them. My complaint is regarding NetSpend 's false advertisement. All prepaid gift cards I have received in the past were sincere gift cards that did not require me to open up a an account with them tied to my social security number. If this is a bank card and not a gift card, NetSpend must change their packaging/advertisement to reflect this. Additionally, because NetSpend is advertising themselves to be a pre-paid gift card, retailers like XXXX are stocking them near gift cards making it easy for a customer to mistake this NetSpend Card as such. There is no way for the customer to know this is a bank card unless they purchase it and open it up. There is no way of knowing about the monthly fees that are apparently activated as soon as the card is purchased until you purchase the card. 

My last complaint is regarding the monthly maintenance fee charged on activated accounts that was charged to an inactive account. My brother spent {$100.00} on a card that was completed absorbed by NetSpend. Their current policies basically is a trap to take consumer 's money.
On XX/XX/XXXX I filed a complaint with the Better Business Bureau against Key Bank. My first complaint was assigned ID number XXXX. From XX/XX/XXXX through XX/XX/XXXX, Key Bank was not cooperative with the Better Business Bureau and the case was closed and the BBB reported the complaint as unresolved. On XX/XX/XXXX, I filed a second complaint with the BBB and the second case was assigned ID number XXXX which was also closed and the BBB listed it as dissatisfied. My first complaint is that Key Bank has not issued my {$300.00} bonus that I am entitled to because my direct deposit occurred within 60 days of account opening and I have a document that states : Offer code XXXX has been applied to this account. My second complaint is that Key Bank has not refunded the {$7.00} fee charged on XX/XX/XXXX and the {$7.00} fee charged on XX/XX/XXXX in which I have an email from Key Bank representative XXXX stating that the fees would be refunded if I called in or came in. On XX/XX/XXXX I came in to the branch located at XXXX XXXX XXXX because that is where XXXX XXXX works and she handled all the email correspondence with the BBB to resolve both of these complaints. However, XXXX XXXX has not yet responded to these complaints even though Key Bank banker XXXX  XXXX called XXXX from her desk to inform her that I was there to address these complaints. I have all the documents and emails concerning these complaints in which I can email or fax for review.
Ive reached out several of times to this company to resolve this issue but to no avail theyve yet to correct this issue. They are still reporting an paid account on my credit and its hurting my credit score every time they report it. Its shwoing a negative impact and its hurtinh me financially and causing great stress in my life as Im in the process of the home buying program and this negative impact is affecting me financially and emotionally. I need this removed from my credit, if we cant resolve this issue I will forward this information over to my attorney and I will be filing a lawd for damages and wages. I will also report this issue to the BBB and reach out to the local media about this company. I will file complaint after complaint until this is resolved.
THERE WAS A PROMOTION FROM BARCLAY BANK FOR CREDIT CARD THAT IF CUSTOMER USE IT WITH 90 DAYS OF OPENING OF ACCOUNT, CUSTOMER WOULD GET {$50.00} AS A BONUS. ANY WAY I APPLY FOR THAT CREDIT CARD & USE IT. I OWE BANK {$69.00}, WHICH I PAID BEFORE DUE DATE XXXX RECEIVED MY CREDIT CARD STATEMENT FROM THIS BANK, WHICH SHOWS A CASH BACK REWARDS - {$50.00}. I CALLED THEIR REWARD SECTION WHICH IS OUT SIDE USA.THEIR TEL .NO IS XXXX. I MUST HAVE AT LEAST XXXX TIMES FOR MY REWARD BUT THEY DO NOT HAVE ANY INFORMATION ABOUT THIS ISSUE. ALSO ONE HAS TO HOLD FOR LONG TIME FOR EACH CALL.THIS IS LIKE FRAUD THAT THIS BANK DOES NOT GIVE CASH BACK REWARD TO CUSTOMER. THIS BANK HAS NO RESPECT FOR THEIR CUSTOMER. I WORRY SOME THAT I WOULD GET MY CASH BACK REWARD. I AM VERY UP SET WITH THIS BANK.
On Tuesday XX/XX/XXXX, my wallet was stolen from work, so I call Card.com to cancel my card as well as order a new one. It offered me the option of overnight 1 business day mailing for {$29.00}. However, after calling today I was told that I would not be receiving my card until Tuesday XX/XX/XXXX, which is unacceptable. They took my money based on the perception of a next business day delivery. I even called back and recorded the IVR given this deceptive information. I would like them to be accountable for the promises they make and return my money as they did not provide the service expected. I spoke with a supervisor by the name of XXXX with employee number XXXX, he stated that they never offered overnight service and my card had been sent XXXX using 3 day mail, although their IVR states differently. This is an unfair business practice and they need to be called out on it. Complaint is against Card.com thier customer service contact is XXXX.
EXPERIAN IS REPORTING A COLLECTION ACCOUNT FROM XXXX XXXX. THAT WAS DISCHARGED AND INCLUDED IN CHAPTER XXXX BANKRUPTCY. THEY HAVE INSERTED THIS ACCOUNT AS A NEW COLLECTION, HOWEVER, IT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY.
This phone number is frequently calling me. States they are from Concorde Resolution and that I need to place a " statement of verification ''. I checked with my state 's department of finance and this company or number is not registered as a legitimate company. They have called me every day. I looked up their phone number and saw that it 's a scam and quite a few people reported to have the same occurrences.
Intimidating phone calls multiple times a day. Told me he 'd continue to call me at home and work. Claimed to be an  investigator in the county  I reside in and claimed a civil suit was being filed against me. (   XXXX   /17   .  Called county  clerk, district clerk, and justice of the peace - no suit had been file d )  The name the man used was  XXXX   XXXX .
During  XXXX  I was being treated by   XXXX   XXXX   XXXX   in   XXXX   TX., for what they termed as a   XXXX   XXXX   XXXX   but offered shots to return the majority of the   XXXX   XXXX   XXXX   XXXX   XXXX  . I agreed to the shots directly into my  XXXX . The first shot proved to do nothing as did the second and third. I went to another   XXXX   XXXX   but this time to a  XXXX . He   XXXX   XXXX   into my system and showed me on a computer screen the interior of my   XXXX   XXXX  . He stated that they had diagnosed me incorrectly and further explained why the injections they gave me did not work. They were the wrong medication and should of never been injected into my  XXXX . I contacted AMERICAN EXPRESS and explained the situation and they charged back the merchant. Soon after they AMERICAN EXPRESS put the charges back on my account. I then sent detailed correspondence to them and called and they removed again. Shortly thereafter they put the charges back on my account. This went on for six occurrences. I continued the process and the disputes and they AMERICAN EXPRESS began to ignore me. When I would call they would refer to my dispute calls to collection where i was harassed as to when I would pay my bill. Then the letters came telling me they were going to closed my account, write it off as bad debt and turn me over to collections. They would no longer have conversation with me.  XX/XX/XXXX  they did just that, they wrote it off and turned it over to   XXXX   XXXX   who I wrote and explained the situation. AMERICAN EXPRESS then turned it over to another collection firm in  XXXX , GA. Now they have some woman calling about 20 times a day from  XXXX , a number in the greater  XXXX  area.
AMERICAN EXPRESS needs to do the right thing and charge back   XXXX   XXXX   XXXX   permanently, credit my account and remove the damaging derogatory status from the  XXXX  (   XXXX   ) credit bureaus.
My dispute was of just cause and was and is not frivolous.
Thank you for your time and your anticipated assistance.
I received a summons mid XXXX to go to court on XXXX/XXXX/XXXX by XXXX XXXX for that from Walmart for {$640.00}. 

I have sent a letter to XXXX XXXX and asked for validation of the debt and received no reply. I have never signed any contract I do n't owe XXXX XXXX any money. 

I am being harassed and what they 're doing is against the law.
I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.
Collectors Name : DIVERSIFIED CONSULTANT Account Info : XXXX Creditors Name : XXXX Date Opened : XX/XX/2017 Balance : {$2500.00} Debt : {$2500.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I did have a Mervyn 's account ( XXXX? ) but when the store closed in our area in XXXX, I paid off my account and closed it. I JUST got a letter from XXXX XXXX XXXX ( XXXX XXXX ) saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but XXXX wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies ( XXXX etc ) to remove this from my credit reports.
I received XXXX calls from Williams & Fudge asking about XXXX separate people and do I have a way to contact them. When I asked what the call is about, I am told it is a personal matter and my number was given as a personal and emergency contact. I was further told that they could not disclose their business model or the nature of the business because it would violate Federal Law. 

I asked that they remove my number from their system, yet I got a XXXX call from them asking about a different person. The caller XXXX times goes by the name XXXX XXXX. He claims he has never spoken to me after I reminded him he had earlier in the day. 

He also contacted my son this morning about a contact he does not have. 

I asked XXXX XXXX to identify what the company does and he refused. I was told to call the company and they would be happy to disclose what there business is. I have contacted them and all they will say is " we work with colleges '' and nothing else would be shared. 

I have gotten calls from the same company at my home, but when I do not know the number, I do not answer it. I do know they called my youngest son today and he got the same treatment.
While reviewing my EQUIFAX credit report, I noticed that on XXXX/XXXX/2014, an unauthorized inquiry was performed by employee of this XXXX of XXXX XXXX, XXXX XXXX, XXXX XXXX, SD XXXX. I did not authorize it nor consent to it.This conduct is in violation of my privacy Rights and FRCA Sect.16 : 1b ( c ). I have personally requested that this adverse information be removed from my report but was denied by EQUIFAX stating that after investigation that the inquiries are factual record.