WillisBack/dataset-financial-user-claim huggingface dataset:
I am an XXXX XXXX military member who signed up for Barclaycard 's XXXX XXXX which is known to carry an {$990.00} annual fee only because Barclays promised to waive the annual fee until my XXXX XXXX  XXXX commitment ended. I am a career military member with 15 years left of XXXX XXXX XXXX. All of a sudden Barclaycard 's XXXX XXXX sent me a letter saying that I would no longer receive the waived annual fees of {$990.00} and for my dependent 's additional card. I understand they are trying to get in align with the Servicemen Civil Reliefs Act ( SCRA ) but you can not above and beyond the SCRA to lure new applicants and then switch on those same customers. I understand not waiving them for new customers but they should honor those who applied before the changes. You can not mislead servicemembers with empty promises and affect their FICO scores by forcing to close their credit cards if they do not wish to pay the {$990.00} annual fee. Barclayscard is not honoring their original terms of the agreement. Barclayscard 's XXXX XXXX made the changes to their SCRA policy in XXXX XXXX, 2016 and I applied for the card well before and activate my card on XXXX XXXX, 2016 and my dependent 's on XXXX XXXX, 2016.
The following " Items '' was disputed with the Credit Reporting Agency ( s ) it came back has being verified. These Items are identified as # XXXX and # XXXX which were reported on XX/XX/2016 and said to have been opened on XX/XX/2016, they are Items not Accounts, from my belief. These Items have no Consumer Protection Law right to be reported on my private consumer credit report. Nor have your agency been given any Direct Prior Consent to " Communicate, 1692a ( 2 ) '' any information regarding me to anyone by any means. You have violated me and the Consumer Protection Laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et al. 

If the Items mentioned above are actual Accounts, opened by your agency, then they were open without my Direct Prior Consent and with my private nonpublic information and were extended my consumer credit. These accounts are to be closed and the Principal and any interest in these accounts be returned to me the Initial Creditor, creator, owner and beneficiary of all funds these accounts contain. 

I am a Consumer as defined in Section 1692a ( 3 ) of the FDCPA. 

You are a Debt Collector as defined in section 1692a ( 6 ) of the FDCPA. 

Without limiting the many violations you have committed, including Aggravated Identity Theft, unlawful possession and misuse of my Social Security Number, misrepresenting my character, taking unlawful actions, putting my ability to be a consumer into involuntary servitude, etc. the following sections are more than reasonable enough to point out your violations and liabilities : 1. You violated 1692c of the FDCPA. 
2. You violated 1692e of the FDCPA. 
3. Constitutional Violations, specifically 14th and 13th Amendments and 1692d of the FDCPA. 
4. You violated 1692j of the FDCPA, etc.
I sent a validation letter return receipt to XXXX XXXX XXXX and was signed for on XX/XX/XXXX. Since the debt was unable to be validated and XXXX XXXX not licensed to collect debts in Nebraska the collection was removed from XXXX and XXXX but not Equifax. Equifax needs to follow suit and remove from my credit file as it is adversely affecting my credit.
XXXX XXXX has an account listed on my XXXX and Equifax credit reports. The XXXX report does not have a recent balance but noted as paid. The Equifax report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.
I have a business account with Chase and since last year around XX/XX/2015 I have been getting charged service fees. Around the same time in XX/XX/2015 I closed a savings account with Chase and since then I am getting all sort of fees. I called once customer service and they explained to me that I was getting charged since I closed the savings with them and I explained that the rep who helped me to close the savings account at the local branch in XXXX and XXXX never advised me of the fees I was going to incur by closing this savings account. The agent was able to refund all the fees at that time and told me was going to place a note on the account to avoid future fees from the bank. I am still getting charged {$14.00} a month. I tried to get the fees refunded again by talking to the branch manager at the location in XXXX and XXXX but he refused and was really rude. I have also requested a new debit card because mine was about to expire and I got charged {$5.00} for a replacement card. This bank owes me XXXX monthly fees in the amount of {$14.00} and {$5.00} for the card replaced which nobody advised me of.
I disputed a tax lien which reporting twice on transunion and both bankruptcy which are incorrect on their dates and amounts. transunion failed to properly investigate these XXXX items and thus i need them deleted per the FCRA. I am really upset that they are not doing what they say they claim to do. 

both tax liens are showing up as paid and i spoke with the IRS and they said they are doing a withdrawal as they were duplicates and incorrect as i was paying my taxes. 
I went to the court house and spoke to the county recorder/clerk and they confirmed they never speak, email, call or fax any credit bureaus yet both bankruptcy are reporting incorrectly. 

this is not the first time i have tried to have these items removed. Please assist me thank you.
In XX/XX/XXXX I lost my job. In XX/XX/XXXX I went back to work full time. Over the past 6-8 months I have been trying to work with PNC to get a loan modification and avoid a foreclosure. I have had a very difficult time with PNC. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. PNC always seemed to lose my paper work, which I constantly had to re fax. In XX/XX/XXXX PNC told me I was in underwriting with a complete package. Then in the end of XX/XX/XXXX, right in the middle of the holidays PNC asked for more documents. Which were the same ones I already sent. PNC 'S modification department is beyond dysfunctional. Then in XX/XX/XXXX PNC stated that I needed to resubmit and start all over. I then began to resubmit the modification and go through the dysfunctional system again. So now in XX/XX/XXXX when I had a confirmed complete package PNC said there is not " enough time '' because of a sale date on XX/XX/XXXX. Completely backed doored by PNC. I am now facing a bankruptcy and a foreclosure because of the dysfunctional train wreck that is PNC modification dept.
I called capital one on XX/XX/19 to get assistance in refunding the last 2 late payment fees. The clerk looked at the account and said a flat out no. I wasnt asked about circumstances or anything. At my place of employment they are doing layoffs. This has been going on since XXXX of last year and Ive been trying to keep up with payments on everything. I finally made a {$320.00} payment on this card to get it where is needed to be. This card is a union plus card and I would think they could help out a little bit. Ive been a capital one customer for some time. I have bank accounts here and Ive referred others here who now have capital one bank accounts. I dont believe it would hurt to get late fees back from such a large company.
XXXX/XXXX/15 -- I sent a letter to my mortgage company, PHH, requesting autodraft out of a new account. I included a voided check. 
XXXX/XXXX/15 -- letter was received ( according to PHH offshored customer service ) XXXX/XXXX/15 ( approx ) -- called PHH XXXX customer service to confirm XXXX -- letter from PHH, received by me, confirming the changeXX/XX/XXXX -- autodraft made out of WRONG account ; my bank assesses me {$35.00} NSF feeXX/XX/2015 -- I immediately call PHH customer service to alert them ; request refund of the {$35.00} ; told to write a letter and fax to them, requesting refund. Also I request a letter of apology that I can take to my bank and have placed in my fileXX/XX/2015 -- faxed letter as XXXX -- received generic customer service letter providing contact info for United States based representative, and inviting contact for further resolutionXX/XX/2015 -- called and left message with US based customer service rep ; no responseXX/XX/2015 -- emailed same US based customer service repThus far, have not received the {$35.00} refund I requested, nor have received the apology letter requested for my file at my bank. 
On XXXX/XXXX/15, I requested the offshored customer service to have some one from the US-based corporate office call me ; has n't happened yet.
On XX/XX/2018, I received a Social Security Direct Deposit into Wells Fargo Bank. Wells Fargo Bank immediately took {$530.00} from my Social Security deposit, leaving me {$160.00} to live on for the month of XXXX. I did not receive any Notice from this bank that this money from my Social Security check ( Direct Deposit ) was going to be " garnished ''. This Direct Deposit has been in effect for 8 years with Wells Fargo Bank. There was a few " undisputed '' fraudulent charges on my account at this time. My Social Security money, Direct Deposit was posted onto my account at XXXX XXXX, XX/XX/2018 and the {$530.00} was taken from my account in 1 minute. This is my only source of income. I starting getting Social Security XXXX at approximately at age XXXX years old ; due to a depilating " accidental XXXX '', leaving me with multiple XXXX XXXX causing permanent physical damage. It is my understanding that there are specific laws that protect one 's Social Security money, as the only source of income, from being " garnished ''. I would like to move forward with this issue as quickly as possible since this loss of one month 's income has impacted my quality of life substantially. Thank you. XXXX XXXX
I applied for a loan with Loan Depot XXXX. The process was a nightmare but I have a specific complaint about the loan. Loan Depot sells the loan to a 3rd party. They approved and " funded '' the loan on XXXX XXXX. That is when I started paying interest on the new loan. However they did not pay of the old loans until XXXX XXXX. I was charged duplicate interest for the loans during that period of time. I should not have to pay interest on a new loan until they actually fund the loan and pay off the old loans.
I had a HELOC with GMAC that was paid in full in XXXX XXXX. It was bought to my attention dealing with a new lender that GMAC never submitted the documents to XXXX XXXX XXXX Maryland to release the lien. I contacted my old title company and was told to contact GMAC and found out they filed for bankruptcy and a company called Ocwen has assumed accountability. I contacted Ocwens Research department at XXXX XXXX XXXX XXXX and was provided with a fax number XXXX XXXX XXXX XXXX. I faxed over XXXX pages of supporting documentation ( e.g., issue letter to Ocwen, correspondence with XXXX, XXXX credit report information and deed of trust ) to Ocwen 's Research department on Tuesday XXXX XXXX, XXXX. I have followed up with Ocwen at least five times since faxing over the documents only to be told that they never received the fax ( and I have the fax confirmation ). Every time I call, I have to tell my story again because my loan is not in their system because it is old ( paid-in-full XXXX XXXX ) and I get a new agent each time stating to call back because the information has not been entered into their system from the " fax department '' and was also advised when they get the information that it can take up to 30 days to resolve. When I called again today, a new agent informed me that I needed to correspond with Ocwen 's Lien Release Department and provided me with their fax number, email and mailing address. I asked the agent for a telephone number so that I could follow up to make sure that my complaint was received and discuss with someone the urgency of this matter. The agent today informed me Ocwen 's Lien Release Department does not have direct telephone number for consumers to contact them. I submitted an email today with supporting documentation to the email address provided at XXXXXXXXXXXX but have no way to know they received the information. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as this loan is paid-in-full and GMAC did not follow through on their obligation to release the lien. This is causing problems for me dealing with my new lender that will not close my loan until they have written confirmation from the lender Ocwen on behalf of bankrupt GMAC the lien is being released. The information that I received today for Ocwen 's Lien Release Department is as follows : Address : XXXX XXXX XXXX XXXX Iowa, XXXX Email : XXXXXXXXXXXX XXXX : ( XXXX ) XXXX On a separate note, I selected " signing the agreement '' as the mortgage process my issue is related to at there was not an option for closing lien release
Equifax exposed my credit information during the cyber attack announced on XXXX XXXX, 2017. I 'm extremely concerned about this breach and their response to it. They 've recommended that those who have been exposed should register on a new website ( not a subdomain of their website ) and enroll in their TrustedID Premier program. What is not made clear, is that those who enroll relinquish their right to participate in a class action lawsuit. They are using fear to reduce their risk of litigation and have left a massive number of people vulnerable to fraud.
In both my business and checking account, the bank processes are to re-arrange items in your account which result in you account going negative so that can charge excessive fees. In reference to the business account I was charge over XXXX in fees for a XXXX transaction that should have cleared because the funds were there. After speaking with several bank personel, not one was able to understand why the account was over drawn. They did reverse XXXX of the fees but stated I had to pay the rest. I am seeing this same kind of fishyness with the personal account.
Experian has negative and incorrect information. I sent a letter to them and the credit grantor to the address on their report which came back undeliverable because they are out of business. the letter from Experian stated they could n't make any changes, would n't investigate again ... .oh and it states this information must stay on your credit report for 7 years. This loan was paid in full in XX/XX/XXXX ... this is now XX/XX/XXXX ... do the math. They are difficult to reach as their website says that can be reached on weekends yet when you call during said hours they are closed with no explanation. How can I possibly get this information fixed?
This account from national credit adjusters is reporting incorrect information on all three credit bureaus XXXX, XXXX  and XXXX. This incorrect information is stopping me from getting a mortgage.
I deposited {$6500.00} using ACH and I can not withdraw my money. I already submitted CFPB complaint a 3 month ago, and they simply replied that I was able to access my fund which is total lie. I need my money back. When I called their customer service, they kept me in an egg-chicken situation where there is no solution. 

The egg-chicken situation is : In order to access USD fund, they need to perform country-change in my account. 
But to change the country, they need to empty any fund in USD. 

It has been a quarter of year since I started complaint. And Coinbase simply has done nothing except lying about my case and keeping me in a fraudulent loop.
The company  First Source Advantage  keeps calling for a  XXXX   XXXX . I explained I do not know this person and requested that my number be removed. They keep calling repeatedly with over 80 calls logged in the last month.
Filed Bankruptcy on XX/XX/XXXX decided to close due to large amount being deducted from payroll bi-weekly. Signed to close/dismiss case. I created a plan to pay every creditor and successfully paid every debt in full. I understood the Bankruptcy would be listed for at least 7 years. I request all three reports yearly to view and XXXX does a great job listing how long the debt is expected to remain, XXXX and XXXX XXXX have removed account listing bankruptcy according to 7 year rule. I have been fighting with Equifax and the XXXX Bankruptcy office on removing the file, when I contact the court their response is " We do n't have anything to do with reporting the bankruptcy cases on your file '' contact Equifax and dispute and we will request removal. Now I dispute with Equifax on removing the remaining file item listed showing " Bankruptcy '' and they respond with information has been verified with the court? I have included what is showing on my report for Equifax, no information listed, yet showing a bankruptcy file? Just asking all components be removed. I am uploading the old XXXX sheet showing when the account should have been removed XX/XX/XXXX, I was recently denied opening a XXXX XXXX for a XXXX XXXX Credit Card stating denied for " Bankruptcy '' reported by Equifax. This file is at 10 years old and going on 11years in 6 months. Please help me I have been doing this for almost three years bouncing back and forth. 
Sincerely, XXXX XXXX XXXX
XXXX XXXX, XXXX XXXX XXXX report of negative information about a 2008 loan That was paid and account closed. They continue to report it in collections/charged-off XXXX of XXXX even pulled my Credit Report this month without my consent. It has ruined my credit to the point I have not been able to buy a car, home or rent an apt in my name. It is all very damaging and extremely unfair. I work hard and always pay my bills and taxes. Do companies have a right to put me in this kind of hardship causing me to be considered a credit risk?
XXXX to XXXX XXXX. Sent me to collections but I paid it before it was ever sent to collections and I have teh bank statement to prove it.
Capital One is FRAUD! I have contacted them in the XXXX, MD Branch & Written letters! 
I had theft on all my capital one credit cards- Business & Personal were taken and used XXXX XXXX XXXX XXXX exp XXXX XXXX XXXX XXXX XXXX exp XXXX now the Business was removed from my credit report after contacting you but personal is reporting false!!!! I have also paid off my auto loan with them to get rid of capital one completely from my life since they careless to help me! That reports still owed! I do not trust them and they 're reporting false on my credit reports! They closed an active Justice account that was current and then reported that as well. I want them to remove the false reporting and fix the situation and help me! They charged XXXX in fees on a checking account that was compromised too, we need to further investigate them I bet others are taken advantage of too!
Our mortgage payments are due before the XX/XX/XXXX of the month, after the XX/XX/XXXX late fees will occur. We made our payment on a Friday 4 days before the late fee would incur. We always make our payments on the Fridays of Paydays and our payment is usually processed out of our accounts the following Monday. Monday came and went and the payment had not been processed from our account. We received a confirmation email confirming our payment had been made to the account number with the last 4 of our banking account number. Tuesday came and went and our payment still had not processed out of our bank account. I went to our online portal ( which we pay {$5.00} every online payment for convenience fees ) to see our payment showed on their system and our next payment wasn't due until XX/XX/XXXX. Friday XX/XX/XXXX arrives and we received an email stating we were late on our account. We were informed that the bank account number was incorrect and our payment was reversed on XX/XX/XXXX and we were going to be penalized by a {$35.00} late fee. After reviewing their website I feel that I have been entrapped by their online system. Their payment method does not allow you to save your bank account information for easy payments, you must enter it manually every time you make a payment. So when you go to make your payment you are asked to input your bank routing number, confirm your bank routing number, bank account number, and confirm your bank account number. While inputing your information no error codes are given if you type two different numbers or if you leave a number off. For example if you input Account number : XXXX, Confirm Account number : XXXX or Account number : XXXX, Confirm Account number : XXXX and the Account number doesn't match with the Confirm Account number no error messages are thrown to inform you of the error. When we received our confirmation email the last four of our Bank Account number matched our Bank information, so by not receiving and error message we did not know our bank account information was incorrect. XXXX XXXX XXXX XXXX could not confirm which way/ how our account information was wrong but just kept stating it was our fault that the information was inputted incorrectly. XXXX XXXX XXXX XXXX would not remove the late fee unless we wanted to use our One Time Customer Waiver to have it removed as they felt their website was not at fault. As a costumer who uses multiple online websites to make payments, as anyone else in this day and age most other companies either allow you to save your Bank Account information for easy payments or at least inform you that an error was made while inputing your information. I pay online payment convenience fees to be subjectified to the entrapment of their website.
I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter   XXXX   in  XXXX . I was not provided any assistance. I reached out to   XXXX   and Transunion and filed a dispute. I received the message dated  XX/XX/XXXX  from  XXXX  : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter   XXXX   back in  XXXX .