WillisBack/dataset-financial-user-claim huggingface dataset:
The company failed to provide proof of debt pursuant to the FCRA and the FDCPA after I questioned the validity of a debt. 

The company provided a computer statement which under no circumstance do I accept a Computer Statement as a proof of debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts posted and or reported on a credit report. 

Under the FCRA, unverified, invalid accounts must be removed from all credit reporting agencies. 

The law is very clear as to the Civil liability and the remedy available for the " negligent noncompliance '' ( FCRA Section 617 ) by not complying with this Federal Law.
I 'm writing in regards to our experience with Discover Bank, my mother I and our friend have opened account with Discover Bank each separately, mom was first, about 3 weeks ago the XXXX of us this past week, mom has transferred XXXX to her savings with them when she opened an account and they took that on the XX/XX/2017 then she opened checking we did the same because you have to have savings account to be able to open checking account. They sent mom the checks and the welcome kit then yesterday without any notice they closed all of the accounts i called to ask them they said that i needed to send them copies of my passport, drivers licence and social security i did that 13 times yesterday and they said that the documents are not acceptable that they do not appear clear enough. Today when i called and i asked them to close everything they told me they did because I 'm a ''fraud '' and we all have opened a '' fraudulent account ''. This was absolutely inexcusable, they have degraded us and called us thieves, mean while taking money from our other bank account, i never felt such humiliation, since we came to the states we have never asked anything of anyone we never were in any kind of debt we never owed anything to anyone, for them to call us ''frauds '' is unacceptable. I told them that i will write to consumers report but that 's just not enough they do n't have the right to dirty our integrity nor our name yes i understand that they have never met people like us who work for what they have and never ask for anything. They have not yet returned the money but have closed all of our accounts i also told them that none of us ever had any identity issues we have always been very protective of our privacy none of us ever used any social media to publicize our lives nor did we ever send all of our most important documents to anyone in the way we did to them as they have requested so in the future if anything at all comes up in regards to identity theft they as a corporation will be solely held accountable as we do not take this lightly.
XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX  both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX  balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX  and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,
In addition to weekend calls, capital one contacted me at XXXX on XXXX XXXX after I contacted them in writing and told them to cease calls.
I attended  XXXX   XXXX   XXXX  for  XXXX  back in   XX/XX/XXXX  t o  XX/XX/XXXX  a  nd I got a student loan through a company called Navient, when  XXXX   XXXX   XXXX  close down back in  XX/XX/XXXX , my loan was sold to a company called  XXXX   XXXX   XXXX . Today when I checked my paycheck stub I notice I have a wage Garnishment for the amount of {$100.00} I notified my employer to ask who is the person taking the money out of my checks and my employer told me it was from  XXXX   XXXX   XXXX   XXXX  I have never received a summons in the mail or any notification that I was having a wage garnishment was being done. I have spoken to represent from  XXXX   XXXX   XXXX  in the past and told them that Im Not able make payments because I just started my job as a flight attendant and I have not heard for them and now I am having money taken out of my paycheck! One, I did not complete my education at  XXXX   XXXX  so I should not be punished for a college that committed fraud and now I have to pay for it
I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Experian credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Experian via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Experian and stated this, I was constantly told to contact creditor even after I told them that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Experian to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   inquiry from  XX/XX/XXXX   XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX    inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from  XX/XX/XXXX   XXXX    inquiry from XX/XX/XXXX
SUBJECT : Capital One Master Card Account We opened an account with you 16 years ago, in XX/XX/XXXX. We did not understand how cash advances worked or how you charged a higher adjustable interest rate vs the interest on purchases. The way we now understand it is this. If we pay the minimum due, its applied to the purchases balance and nothing is applied to the cash advance balance. The cash advance balance just keeps building with an interest rate of approximately 26 %. Just call us XXXX. Just call Capital One crooks.

After many calls and discussions with many customer service reps at Capital One over the past few weeks, we finally discovered the following : Cash Advances from XXXX XXXX XXXX XXXX in XXXX, MD as follows : XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} Please be advised that XXXX XXXX XXXX DOES NOT GIVE ANY CASH ADVANCES. THE TWO IDENITICAL AMOUNTS OF {$300.00} ON TWO DIFFERENT DAYS IS SUSPECT. IF AMOUNTS ARE CORRECT, THEY WERE FOR PURCHASES, NOT CASH ADVANCES! We have been paying CASH ADVANCE interest on {$700.00} for 12 years when they should have been PURCHASES???
They were suppose to put {$190.00} in my account, instead they took XXXX out. Its been a week, the conferenced call my and it has been XXXX days and they ca n't tell me when they will put the money back in. When I told them I was going to report them they said that they will note it. Now they are going to charge me interest on something I do n't have. They say they will cover my nsf fees, but that does n't help the stress of explaining to my creditors what happened. This has been a very XXXX situation and they do n't care.
On XX/XX/XXXX I submitted a partial payment through Mr. Cooper 's website that allows for partial payments before your payment is due. On XX/XX/XXXX I submitted a {$450.00} partial payment to go towards my payment that was due on XX/XX/XXXX. Mr Cooper misapplied this payment and put it towards the additional principal. I called to have this fixed. Mr. Cooper then reversed the payment to additional principal and applied it correctly towards a partial payment. When I went to pay the balance ( before my XX/XX/XXXX due date ), I see they reversed the partial payment and once again applied it to additional principle. I called again, and Mr. Cooper once again fixed the issue. Now on XX/XX/XXXX I go to make the remaining payment and noticed that Mr Cooper once AGAIN reversed the partial payment and applied it to the additional principle. Now I have been on hold XX/XX/XXXX from XXXX and it is now XXXX ( 2 hours with no fix ) so I can pay the remainder of my balance that should be due. They are showing I owe the full months payment and will not apply my partial payment funds correctly.
I have a rental house located in XXXX XXXX XXXX, XXXX. I also have a mortgage with Sun Trust Bank for that house since XX/XX/XXXX. I 've always paid my mortgage and never late until this past XX/XX/XXXX. I ca n't afford to pay the mortgage anymore. I attempted to refinance the mortgage XX/XX/XXXX with a credit of over XXXX at the time I thought it would be easy. I filed the application and processed through the whole mortgage thing only for Sun Trust to tell that there is a XXXX lean on my house from the City of XXXX XXXX XXXX.I was told pay it off and will move forward, so I called the City of XXXX XXXX XXXX and they searched their files for leans and I was told there is no lean on XXXX XXXX XXXX XXXX house owned by me XXXX XXXX. I contacted Sun Trust and told them what the City told me that there is no lean on my property. Sun Trust refused to move forward so I said I 'll something in writing from the City but I told no pay it or we move forward. That was it the mortgage was to high and I could not afford it anymore. XX/XX/XXXX I stopped paying my mortgage so Sun Trust said they 'll send me a loan modification packet which they did, I filled it out and returned the packet only for Sun Trust to send my loan to a collection company called XXXX located in XXXX. I attempted to contact Sun Trust and was told to talk to XXXX. XXXX sent me another loan modification packet and told me to fill it out. I said I just sent one in to Sun Trust I was told I 'll have to send another one to them. I again filled out this lengthy application with all my info and XX/XX/XXXX tax returns. Nothing happened for about a month then XXXX sent me yet a third loan modification packet and said I had fill this out again, of after yelling and screaming as to why do I have to fill out XXXX of these I was told if I want help then this is the process. I filled out the tired loan modification application and sent it back, if you can believe it the customer service female told that this is what XXXX does on a recorded line. Now I just yet another packet which I refuse to fill out. I have an investor from XXXX that wants to purchase the house as a short sale and I said great, but I can not get anyone to help me at XXXX. I called XXXX today and left a message for the person in charge of my case relationship manager XXXX teller # XXXX to call me but she never called back. I guess their stalling for time and will try and foreclose on the house since it has about {$30.00} in equity. This is the game that is being played by Sun Trust and XXXX. I need your help with this situation. the loan on my Sun Trust mortgage is ( XXXX. ). SLS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX
I spotted the account from Ad Astra on my credit profile and submitted multiple disputes based on incorrect information. 

They wrote me back and told me they had talked to their client and confirmed the information, but they have not provided me paperwork with my signature or confirmed the proper dates. The information is still incorrect and they have made no gestures towards fixing it.
I had a Capitol One credit card that I opened in XXXX. In late XXXX, I lost my job. My credit card was maxed out and I could n't make payments on it. I spoke with Capitol One and a collections company representing them, and we came to a settlement. The account would be closed and I would make a payment of {$50.00} a month toward the balance of the charged off amount. I have held up my end of the agreement every single month. The payment was not late one time, as it was taken out automatically every single month. When I checked my credit report in XXXX of XXXX I noticed that not only was the account reporting as open, it was showing that I had XXXX ( roughly- at that time ) late payments at XXXX days. I was shocked. The account was only open for XXXX months and I only had XXXX late payments, so how could I have that many late payments? It was both impossible and inaccurate. I had called, written, and disputed several times. I called all three credit bureaus and capitol one every single month since I noticed this in XXXX of XXXX. Each and every time I was told that this is correct. If anyone would take just 5 minutes, they would see it is not possible for this to be correct. I just do not know what to do at this point, as no one at Capitol OneXXXX is willing to help me. Please just take some time to review the information provided and help me adjust the information to be correct. It should state XXXX late payments ( as shown ) and not XXXX as displayed on my credit report. I sincerely appreciate all of your time and assistance. It not only means so very much to me, but it improves my life and living situation. 
Thank you again.
A representative with Cambridge Asset Management advised that there was a civil and a criminal suit against my social security number. She could not tell me anything other than the year the debt was incurred and the name of their client. I have disputed XXXX XXXX several times with the credit bureaus as I was a victim of identity theft when my wallet was stolen back in 2002. They wo n't provide anything in writing. They just want money like its a scam.
I can't get no credit, I been trying to get credit for many years and always been denied, I'm a hard worker and make enough money to covers my debt.
Second complaint. Representative called me left voicemail returned his call never replied. Disputing unauthorize purchase of XXXX for XXXX XXXX XXXX simcard purchaesd from XXXX. Hey guys who 's reading this msg use your logic please sim card can not cost XXXX .
Recently got an American Express/AMEX Gold card with a {$250.00} annual fee. That card is advertised as providing 4x membership rewards points on U.S. Restaurants and U.S. Supermarkets ( up to $ XXXX in annual spend ). The restaurant transactions routinely code improperly, as XXXX points, even though the establishment 's coding to AMEX is clearly listed as " Restaurant-Restaurant. '' About 30 % of charges on my last 3 statements code improperly. Many of these are third party processor issued transactions, such as from XXXX or XXXX, but not all. I have opened two customer service cases with AMEX. I've called in 4 times, and chatted via online chat 1 time, for updates. This is over a 6 week stretch. They keep stating it'll be 2-3 weeks upon which I'll get a call, but I have not. I remain unable to gain resolution on this issue. 

This issue has been reported on many major travel sites - from XXXX to XXXX, as well as on the XXXX AMEX forums and on multiple XXXX   pages. It is beyond unacceptable that a company such as AMEX can not appear to be able to systemically remedy this issue or handle customer service for it, appropriately.
Upon ordering my Credit Report in XX/XX/XXXX, I noticed a Closed Chase Credit Card with a balance of {$3300.00} that I did not recognize. I immediately called Chase on XX/XX/XXXX and spoke with service rep XXXX XXXX. I asked her for more details on the account and advised her that this was a fraudulent account. I then asked her to please send me proof that this account belonged to me along with the original signed application in order for me to show that it was not me who opened this account. I further hoped that the application may provide clues to who may have. 

On XX/XX/XXXX I received a letter from Chase stating that they no longer had the requested information. I have attached that letter. On XX/XX/XXXX, I requested to open a fraud claim with XXXX XXXX. On XX/XX/XXXX, I made a follow up call and spoke with rep XXXX who told me that the previous rep did not open a claim as I requested. She told me she would do it at that time. 

To ensure that my claim was submitted, I also submitted a written request along with an identity theft report to Chase on XX/XX/XXXX. On XX/XX/XXXX I received a response from Chase only stating that they had verified this was my account but did not provide me with any signed documentation as proof that I opened this account. 

I attest that this is a fraudulent account and I would like it removed from my records immediately. 

Please note that a fraudulent account was attempted recently at XXXX XXXX XXXX which caused my initial inquiry into my credit report. XXXX  XXXX XXXX was able to immediately rectify the situation and a fraud alert was placed with XXXX, XXXX  and XXXX.
I stopped payment on a check before it was cashed, 2 days later it was presented to PNC, they cashed it against my account, which I am not too happy about. They stated that if you do not stop payment on a check three days before it is presented for payment, then the check can be cashed. 
I was a manger in many banks for 23 years, I never ever heard of such a regulation. If the payment was stopped, it was stopped, and now with XXXX checks are cashed XXXX, so how can it be that it is three days before the check clears.
Hello, I wrote a check in the amount of {$100.00} and PNC is saying that I did not have the amount in my account to cover it. However, the check should have posted on XX/XX/2017. PNC purposely over drafted my account and refuses to put the funds back. My account is never negative and I have been negative in the past. It is my understanding that as long as funds are added by XXXX I will be ok. Please do not trust PNC bank. They will take your hard earned money.
The name of the institution that has my student loan is Loantolearn.com, which I found through XXXX XXXX. 

The situation is that I acquired this loan in XX/XX/XXXX for {$16000.00} and as of XX/XX/XXXX, I still owe over {$12000.00} on it. There 's just no movement on it whatsoever. At the rate I am paying, it will take me an additional 11 years to pay off this debt. 

I was divorced after nine years in XX/XX/XXXX and I do not have that second income to assist in paying my debts. I make a quarter of what my ex-husband made, so I 'm struggling with debt that was in my name but shared in the marriage. I have closed any and all credit accounts so that I am no longer incurring any new debt, and am living paycheck to paycheck. It 's been hard. 

What I would like to do is try to negotiate a lower APR and/or split the balance and just pay that. I can pay it off closer to 3 years as opposed to XXXX, actually 21 years, since I got this loan in XX/XX/XXXX.
I am in a XXXX program, I included my payday loans but they are not willing to cooperate with the settlement. Non stop calling XXXX bothering me and emailing me non stop. They are not excepting any settlement at all
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...
Diversified Consultants is a Debt Collector who buys debts. Allegedly, XXXX XXXX XXXX sold them an account with my name for old services I use to have through XXXX XXXX XXXX. The account, XXXX, was early terminated by myself for lack of services and breach of agreement with XXXX XXXX XXXX. So, I paid XXXX XXXX XXXX directly, a copy of that payment is included in this complaint. THis payment was not a settlement, was nothing short of paid in full for early termination of services, home security services to be exact. I disputed the first letter I received from Diversified because they had the account labeled as a " wireless '' account from XXXX XXXX XXXX. My " wireless '' account from XXXX XXXX XXXX is my cellphones, which are direct debited monthly from my company XXXX card. When I spoke to XXXX XXXX XXXX about my wireless account, the representative verified that my " wireless '' account has never been late and always paid on time by the auto debit to my credit card. Diversified NEVER responded to my dispute, simply moved forward with " verifying '' the debt and posting it to my credit report. XXXX XXXX XXXX claimed they never sold a debt to Diversified for my " wireless '' account. XXXX XXXX XXXX verified payment over the phone for the paid in full early termination fees on the home security services. Diversified, and possibly XXXX XXXX XXXX, violated my FCRA and FDCPA rights and their laws in XXXX ways. First, there was no true or verifiable PROOF of Diversified Consultants " Verification of debt '' as requested by myself. After that violation, they moved forward with reporting to the CRA 's and damaging my credit. XXXX XXXX XXXX representatives were just as confused by the labeling of the account as " wireless ''. Not until I spoke to a manager, AFTER writing to Diversified about the mistake and the dispute, that a manager said the home security services are labeled " wireless ''. The manager apologized for the confusion, however, that confusion led to this mess. Again, XXXX XXXX XXXX 's irresponsibility and negligence have cost me time and money and stress.
I previously disputed a debit ( XXXX XXXX XXXX XXXX ) with all XXXX credit reporting agencies ; because the debt was n't mine. All XXXX credit bureaus deleted the collection. Equifax deleted the debt on XXXX XXXX, 2016 and later reinserted the debt. This clearly violated my rights under section 6.11.As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation, and I am requesting that this alleged debt be removed.
Yesterday afternoon I received in the U.S. mail my copy of my " Equifax '' credit report dated " XXXX XXXX, 2017. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' section it states that a company named " XXXX, XXXX '' inquired of my credit on " XXXX/XXXX/2017. '' I just renewed my apartment lease for another 12 months on XXXX XXXX, 2017 so why would I buy a home? This unlawful " XXXX XXXX, XXXX '' credit inquiry/notation on my " Equifax '' credit file is NOT mine. I am a victim of Identity Theft.
XXXX XXXX XXXX student loan reported missing payment trans Union which impact negative in my credit report.

The account being transfer from XXXX XXXX XXXX to XXXX.