WillisBack/dataset-financial-user-claim huggingface dataset:
consumer cellular acct is not mine. My ex husband opened it in my name. The XXXX credit card is also his, he added my name without my knowledge and I never used it.
I recently pulled my credit report and had XXXX acct listed as being in collections, I wanted to gather information about the debt so I contacted the collections agency listed on my CR. The company Jefferson Capital XXXX informed me that I needed to speak with their collections division XXXX. Upon speaking with the Rep assigned to my case she informed me that since I requested debt validation when they called me XXXX that my acct was in dispute and could discuss my acct unless I sent a email saying I no longer dispute, I complied with the request in an effort to gather further information. The Rep told me she would call me back once the dispute code was removed by another dept, before the call ended I asked her why they never provided debt validation to me she said it was due to them not being able to verify my address. I told her that seemed odd seeing that they had my phone number and their client had pulled my CR several times in the months before my request, she was unable to provide valid reasoning and the call ended. This conversation took place on XXXX/XXXX/XXXX at XXXX XXXX she never called me back so I called her and was informed the required actions had not taken place and she would call back once it did, again I complied but at XXXX est I called back and spoke with a different rep named XXXX who informed me that the previous rep neglected to inform me that they did request debt validation from Jefferson Capital Systems and within 2 days of my request XX/XX/XXXX, Jefferson Capital Systems advised XXXX XXXX to cease collections activities immediately as they could not validate the debt. It has been 5 months since my request yet Jefferson Capital Systems continues to knowing reporting negative information on my CR causing me to be denied credit. I emailed both companies shortly after ending my call with XXXX at XXXX XXXX and outlined the law as stated in the Fair credit reporting act and ask them to stop their activity instead of doing the right thing they had a rep contact me today in an attempt to collect the debt.
My old car was repossessed after I became unemployed. The car was sold and the debt paid off, but the credit report is showing it is still the full balance amount from when I purchased the vehicle, and the account was charged off and still in poor standing. It should reflect as paid and closed since the debt was paid off after the vehicle was sold.
I XXXX am filing this complaint because TransUnion has ignored my request to provided me with documents that their company has on file that was used to verify the Public Record i disputed. Being that TransUnion have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verify '' that I have disputed. Please resolve this manner as soon as possible. 
Thank You!
I purchased a vehicle from XXXX of XXXX, North Carolina on XXXX XXXX, XXXX. The vehicle became totaled in an accident on XXXX XXXX, XXXX. It was financed through SunTrust Bank. There was GAP coverage through XXXX XXXX XXXX XXXX, a prior complaint to the CFPB from me ( Case # XXXX ) could not be resolved as XXXX was not an entity registered with your agency and the matter has been referred by you for further investigation. The initial comprehensive coverage on the car was paid promptly by my insurance company, XXXX XXXX XXXX. Despite a clear representation in the contract. " This addendum amends the Retail Installment Sales Contract /Lease Agreement, whereby the Dealer ( and, following any assignment, the assignee financial institution [ you-SunTrust Bank ] agrees to waive YOUR [ my ] liability for the difference between the " Amount Owed '' under your Retail Installment Sales Contract /Lease Agreement and the " Actual Cash Value '' of the Vehicle as of the date of the " Total Loss '' of the Vehicle resulting from a peril covered by the automobile insurance company, subject to all the terms and conditions contained in this Addendum. You, the Dealer, and the assignee Financial Institution [ you-SunTrust Bank ], agree that, in any event Your claim for a waiver under this addendum is honored, no fee or interest shall accrue on the amount waived following the date of loss. 

After a great deal of time and what I believe to be a deliberately contrived delay, the GAP amount was finally paid. Meanwhile SunTrust attempted to extract from me the full amount of the monthly payments under the installment agreement and despite their now having been paid by both the indemnity insurance company and the GAP coverage, they 're still attempting to extract the installment payments from me. Even though they may be owed the amount of {$540.00} ( See pdf XXXX ) They are attempting to extract {$840.00} ( See pdf XXXX ). They are continually calling on my cell phone, most noticeably on XXXX XXXX, XXXX when I was in an ambulance being transported from XXXX hospital to another having been diagnosed with a XXXX XXXX. I asked them to leave me alone and communicate solely in writing. Despite, that request, they continue to harass me by phone.
The original bill was {$930.00} from XXXX XXXX group. I paid {$500.00} to XXXX XXXX group then paid {$100.00} then they sent me to collection and charge me {$240.00} collection agency fee. Then I paid XXXX XXXX group {$160.00} that is when I found out I was in collection and they also charge me this collection agency fee. I contacted the collection agency and submitted all my records and the still refuse to listen. I called again to try and settle and have them adjust the fee they refused
at the time of service insurance was verified and approved to render services. i was not contacted by phone or mail of this debt or my right to dispiute it before going on my credit report. i am XXXX  and unable to pay this debt. the debtor are aware of my XXXX.
My husband and I receive numerous, repeated phone calls from XXXX XXXX, the service provider/lender of our car loan. We get phone calls from lines in Maryland, XXXX and XXXX California, with the company 's debt staff repeatedly leaving messages stating that they will " escalate our file '', that we are being moved to a Tier 2 trouble situation, that we should take out payday loans or borrow money from friends/family to make our payments, that if we do n't pay now, they will require two car payments in one lump sum, etc. ( Quick backstory : We both lost our jobs in XXXX XXXX and have struggled to make ends meet since then. ) We repeatedly tell them that we will not take out payday loans or borrow from people we know to make the car payment. This morning alone, I have received XXXX - XXXX - phone calls in rapid succession from XXXX ; one from XXXX ; and yesterday, from XXXX, XXXX. XXXX XXXX also calls from XXXX, XXXX, and XXXX.
Wells Fargo continues to collect overdraft fees on my checking account even though I have requested a freeze as there has been money illegally taken out of my bank account after I had written XXXX checks. i call and ask for solutions and they are unable to assist me in any way. I have experienced poor customer service, a significant amount of money collected by them and no consumer protection from Wells Fargo. 
I deposited a check last week and ws not informed a hold would be placed on the funds so wrote another check. They collected more overdraft fees as a result of this and will not look into the issue further.
I have had this tax lien on my credit report since XX/XX/XXXX in the amount of {$1700.00}. I paid off the lien in XX/XX/XXXX. The tax lien should be removed by now since it 's been 7yrs. I have contacted the Credit Agency several times to have this removed and they have refused. The lien has been fully paid and should be removed based on the 7yr time lapse.
I have had a credit card with Citibank since 1994 and my interest rate has only gone up and up. it used to be an employee account with a reduced rate. I currently carry close to $ XXXX in balances and the rate is prime plus 16.74 for a total of 21.74. I hold other cards at a credit union that charges 10 %, XXXX ( which is also through Citi ) that charges 16 % and XXXX that charges 14 %. However with my old account they will not budge. 
They could not give me any basis for how prime was 5 % yet the 10-year treasury rate and fed funds rate have been below 3 % for years. It is also XXXX points higher than the federal reserve reports for " consumer credit '' https : //www.federalreserve.gov/XXXX I asked to have my account reviewed for a reduction and they said they could not reduce. I asked when the last time the account was reviewed and the representative ( XXXX  - she would not provide an operator number or any additional identifier ) could not tell me. She said she has no history of the rate ever bring reduced only increases. I asked whether the account could be reviewed for a decrease and she said no program is currently available to do that. I asked how frequently it was reviewed and at first she said she did not know so I asked to speak with a supervisor. XXXX ( supervisor ) came on the line and said my account is reviewed in XX/XX/XXXX and XX/XX/XXXX and then said I should wait until XX/XX/XXXXto try again. My FICO has certainly increased and decreased in the last decade and at no time has my rate ever been adjusted downward and I believe I have paid an excess rate of about 7 % during that time period on balances between $ 15K- $ 20K I would like your help getting this overcharge corrected.
Since XXXX I have gotten harassing letters and phone calls from Wells Fargo bank about a loan taken out by a woman named XXXX XXXX, it is a car loan. I have contacted the bank at least a dozen times over the past 4 years, and every time I was told it was the last. In XXXX I was called again, since I am on the do not call registry Wells Fargo was forced to pay me {$1500.00}. You would have thought that this would have made them learn their lesson, well you would be wrong. Last night on XX/XX/XXXX a process server came to the apartment building I live in saying he had papers to serve to XXXX XXXX. When I told him I did n't know her and would not take the papers to give to her he became abusive and called me a XXXX XXXX. He said the papers where about an auto loan and I had better pay the loan or I would get in trouble. This is the last straw, I demand that someone at Wells Fargo be arrested and that they pay me at least {$5000.00} for their crimes and harassment, I suggest that XXXX XXXX XXXX, their research and remediation manager be arrested as he is the last person I dealt with and was the one who paid me the {$1500.00}, he also said this would be the last I would hear from Wells Fargo and LIED ...
Dear Sir or Madam, I am having a huge issue with my Discover Credit Card. I have been a member since XXXX with outstanding credit and never missed a payment. I changed credit cards and during the transfer process Discover Card is billing me twice for the XXXX XXXX statement. They included the transfer balance of {$1000.00} on the XXXX XXXX Statement and showed that I paid it on XXXX XXXX, XXXX but also included it as purchases so they are billing me again for the balance of {$1000.00} on the XXXX Statement thus inflating the XXXX Statement to a {$1800.00} balance. 
Since I discovered the issue ( which was right away as soon as I got the statement ), I have spoken to XXXX different people including XXXX supervisors who all claim that they see the issue and they will fix it. Guess what? No one has fixed anything. My balance is still inflated with a statement due in a couple of weeks with the wrong balance. Not to mention that I am shopping for a property and my credit is pulled by lenders who see a wrong inflated balance. 
I am beyond frustrated with Discover Card, a company I thought was professional and had good controls regarding balance transfers. Every time I called, it was the same process. The main contact would transfer me to billing ( after keeping me on the phone for about 30 minutes ), then the billing admin would transfer me to a supervisor who would tell me after 45 minutes that they will need to further investigate. How much further investigation is necessary for a credit card leader such as Discover? I am a XXXX and to me it is very obvious : beginning balance + purchases - payments = the balance that I owe for the XXXX statement. However, Discover thinks the following formula is true : beginning balance + purchases - payments + purchases again = ending balance. 
I really hope you can help me at this point because I really do not know what to do. Maybe actually showing up at their billing center and fixing the problem myself might be best? Please call or mail them a letter. They need to go ahead and not rob me of {$1000.00}. I am a single mom and am on a tight budget. This is what I call - taking advantage of the customer and I really do not appreciate it. 
Please call me with any questions as far as if you need further details about my situation. My name is XXXX XXXX and my phone number is XXXX. Thank you for you help. I hope your organization will actually do their job unlike Discover Card.
Wells Fargo Auto recovery has re-aged an account on my credit report, provided inaccurate information, and not provided proper methods for me to contact and dispute the accuracy. According the the FCRA and FDCPA reporting should be accurate and reported within the statue of limitations. I have provided a letter details the issues, copies of XXXX credit reports with incorrect information as well as a full payment history provided by one of the representatives of Wells Fargo.
From XX/XX/2018 to XX/XX/2018, multiple credit report dispute letters were sent out.Contained in this dispute were requests to verify accounts on my report via copies of the original creditors ' documentation with my signature on file. These requests have been overlooked and unverified items remain on my credit file.

Under FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) it is required in order to properly verify any account on my credit report, original documentation with my signature must be provided. Section 611 ( 5 ) ( A ) of the FCRA states that if XXXX is unable to properly verify the accounts in question in 30 days, they must deleted from the credit report immediately. These companies have failed to comply with all of the above. Verification method was not provided.
About a month ago, early XXXX XXXX, XXXX XXXX started reporting to the credit bureaus that I owed {$51000.00}. I immediately contacted them, could not get a human on the phone, and never did receive proof that I owe them money. 

They have never contacted me personally -- ever. 

I ended up contacting the Credit Bureaus. They were able to see it was for a student loan from XXXX. I graduated school in XXXX. We placed a identity theft alert on my accounts. I 've had all the company start researching this account. 

Since then, every week the company raises the amount I owe by $ XXXX {$30.00}. It 's very arbitrary. I still can not get a person on the phone.
Well i refinance my home loan about 2 months after i purchase my home for a lower rate so this company the money source stated that it was a good thing that im refinancing my loan cause they where over charging me for my taxes on the home so it saved me about XXXX each month now after a year and a few months later my home loan with them went up almost XXXX XXXX dollars now they are telling me that my taxes went up so i need pay this amount to catch up with my tax bill and a few days later I get a call from another department of there company asking me do i want to refinance my loan so im like this was a scam all along. They new last year that my taxes where higher then first stated instead of contact me about the new tax fee are the real tax fee i was never contacted to adjust the monthly payment so i could stay ahead of a bad problem
The monthly payment for my mortgage suddenly increased dramatically ; making it impossible for me to keep making payments. The lender has not given me the chance to fix the default on my mortgage. It is like the bank rathers foreclose my home than pay my loan.
They call every day for someone who does not live here. I spoke with them and they said that they would stop but continue to call. It is automated so they just have n't changed their programed numbers to call. 
The person calling is XXXX XXXX, XXXX
I 've requested debt Validtionfrom JH Portfolio Equity and they provided me with a letterhead and XXXX page billing statement. Actually it was the wrong address for XXXX XXXX I 've been a XXXX resident all my life. I demand that the validation be is n't he form of a notarized statement by a person with original knowledge for he debt as it was constituted and who can testify that the debts as incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was utilized as a profit-loss tax deduction during the period it may have been payable. I 'm not requesting that you have my mailing address : rather I am requesting validation, i.e., competent evidence that I had some contractual obligation minus consumer protection encumbrance which incurred the original claims associated with this tradeline. Also attach a copying any agreement that bears the signature of the alleged debtor which gave rise to the original agreement.
To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. NATIONAL CREDIT SYSTEMS # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. NATIONAL CREDIT SYSTEMS. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
I purchased a go kart for my son in XXXX of 2016 for {$980.00} using my Chase Visa/debit card. When I received the product in pieces in a box, there were several tears in the roll bars and the seat, the headlights and gear lights were n't working, the go kart would only turn to one direction, there were missing bolts, and the exhaust pipe has fallen off. I tried contacting the company, XXXX XXXX XXXX, dozens and dozens of times via email and phone and would only get the run around or hung up on. I contacted Chase and they issued the refund and started doing an investigation. I received a letter from them last week that they found the charge to be valid and they would be pulling that {$980.00} back out of my account. When I called them to ask how they thought it was valid, they stated that XXXX XXXX XXXX had given them a document that I supposedly signed stating that everything was in good working order. I told them I had never signed anything and I asked for a copy of what the company sent to them in order to prove that the charge was legitimate. They told me I could go to a branch in order to get the documentation quicker, which I did. The bank manager and I sat down as he attempted to get the documents. While on hold, he was doing some research on the company and noticed that hundreds of others had the same issues with this company and he said that it 's clearly a fraudulent company. Once we received the documents, we looked at the signature that was just a bunch of swirls and then he pulled up my signature in their database and could immediately tell that the signature was not mine, but was forged. I later called the claims department and they said there was n't anything they could do because even if it was forged, they provided something to them and that 's enough to validate a charge. I called back a couple of days later and thankfully someone in the claims department took some more time into looking into this case and he stated that it clearly was forged and they should have caught that it was n't my signature since they hinged their whole decision on it and he urged me to file a complaint with CFPB.
To whom it may concern, I have been facing hardship for over the last two months due to fraudulent charges that were made using my TD bank Visa debit card, wiping my checking account clean. Fraudulent charges were made on my checking account totaling in {$2800.00}. 
The transactions were wire transfers using the company " XXXX XXXX ''. The transactions were {$300.00} on XX/XX/XXXX, {$990.00} and {$610.00} on XX/XX/XXXX, {$130.00}, {$94.00}, {$500.00} on XX/XX/XXXX. There was one more transaction for {$200.00} made on XX/XX/XXXX. This account was mostly used to make deposits in order to save up for housing and a vehicle. TD bank has not helped at all and I have not been able to speak with their fraud department. They have not done any investigating and basically told me to deal with the merchant myself. I have called the merchant and they have horrible customer service and have been no help.I have filed police reports and spoke to several supervisors with no resolution. 
I have never heard of the company XXXX XXXX  until I became a victim of fraud. I have never sent anyone a wire transfer in my entire life and these transactions can be proven as fraudulent, but TD bank has failed to do a proper investigation. Representatives at boss revolution have told me that there were phone calls made using my identity as well as an ID that was required when making these transactions. I would like a proper investigation to prove to TD bank that these transactions were fraudulent so that I can get my life back to normal. I worked very hard to save that amount to have it stolen and my bank has been absolutely no help. I have not been able to speak to anyone and they have done a terrible job at assisting me. I have never had such an experience with any company in my life. 
Please reach me at XXXX or my email XXXX Best regards, XXXX XXXX
A rail company in XXXX double charged me for train tickets. I disputed the charge and called Capital One then sent them a letter with supporting documentation. They refused to credit my account and told me to take it up with the rail company in XXXX.