WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later, XX/XX/XXXXthe account re-appears under a different account number with a collection agency AFNI. AFNI is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.
I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail.
I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible. and please update my phone number to XXXX thank you.
Company keeps harassing me sending me emails everyday and phone calls. I've stated to the company that this is not me and I've never had the account. ive asked several XXXX to remove from my credit reports.
Wells Fargo home bank has securitized my mortgage and stolen money from my escrow account and owes me funds that was never applied to my account. They have also created multiple accounts in my name. The original servicer was ASC and is Now Wells Fargo Home Bank with a different fraudulent account number. I want full accounting and disclosure on Loan. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST I am writing to you to dispute the accounting and servicing of my mortgage, and to inform you of my need for additional information regarding various charges, credits, debits, transactions, reversals, actions, payments, analyses, and records related to the servicing of my loan from its origination to date. To date, the documents and information you have sent me, and the conversations with your service representatives, have not answered my questions. 

Because of concerns regarding predatory lending, I am disputing the validity of the current debt you claim I owe, including, without limitation, the principal balance, calculated monthly payment, calculated escrow payment, and any fees claimed to be owed and any trust or entity you may represent or service. RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST
On XX/XX/2014, Wells fargo " closed '' and account that i was unaware of for {$980.00}. A family member had taken out a credit card under my name without my knowledge or approval. i have disputed with all 3 reporting agencies.
My, name needs to be added by Equifax to the : XXXX Equifax Information Services LLC, Settlement Administrator. 

According to Equifax I am a part of the lawsuit but my name has not been given to the settlement administrator.
I checked my credit score via XXXX  and there are two accounts in collections from XXXX XXXX XXXX. It appears the debts were send to collection to Wakefield & Associates ( XXXX XXXX XXXX, XXXX TN XXXX ) One is for {$320.00} from XX/XX/2014 and the other is for {$900.00} from XX/XX/2014. 
I never received any bills or communication from XXXX XXXX XXXX or from Wakefield & Associates. The two accounts in collections have negatively affected my credit score. I don't recall ever using XXXX XXXX XXXX for medical services and I certainly did not receive any bills or calls about any debts.

I want the accounts in collections removed from my credit record. 
Thank you.
Harassing Calls at Work The caller should have been aware of the violation at the outset as the office is a regulated financial institution with a regular receptionist. Oral notice wa delivered. 
Call received on XXXX/XXXX/2016 To # XXXX From # XXXX, XXXX From Entity Diversified Collection Services
I made a transfer to an account located in the XXXX ( international ). The transfer amount was {$1800.00}, and the transfer was made on XX/XX/XXXX. 
The bank, BB & T, charged {$56.00} for an " International Assessment Fee '' ( deducted on the same day ) .I complained, asking what this was for ; the reply was " This is our policy. '' There is no service corresponding to this fee. 

On XX/XX/XXXX, I made an ATM withdrawal while travelling in XXXX. The amount was {$83.00} ( XXXX Bank, XXXX ). Once again, I was charged an " XXXX XXXX XXXX '' of {$2.00}, deducted from my account on XX/XX/XXXX. There is a separate ATM usage fee of {$5.00}. 

It is difficult to see why an ATM withdrawal made from a major bank would require " assessment. '' There have been repeated charges of this type on every international transaction, always without any justification. 

I would ask the CFPB to intervene as this is a disgraceful abuse of my account.
Hi there, XXXX XXXX XXXX ( XXXX ) tried to charge me incorrectly for a medical bill that I did not owe. I saw an allergist ( XXXX XXXX XXXX ) who falsely told me directly and through their staff that I would not be charged any amount ( even a copay ) if I took agreed to receive the XXXX XXXX XXXX. After a few treatments, I decided to call my insurance company to check and realized this doctor and his staff were incorrectly coding the bills they sent to insurance company. The insurance company put a stop to it and ended up only partially covering the treatment. XXXX tried to then charge me the copays but I told them that I was not responsible for the copays since XXXX XXXX and his staff falsely told me I was completely covered AND fraudulently used the wrong billing codes that I discovered. 

XXXX made me submit a few appeals but I never heard anything back and all of a sudden years later I get a collection agency ( JP Recovery ) call about this fraudulent bill.
I used western union services and they took the money out of the account and sent me a completed transaction letter. When my dad went to pick up the money they denied the transaction. When following up with WU, they said oh yeah, the transaction did n't go through. This was a transaction completed XX/XX/2016, this is now XX/XX/2016 and I still do not have my money back! 
This is not the first time I got this problem, initially I thought mistakes happen in the system, now I believe they are making money on denying transactions and keeping money for weeks making interest on the customers! There was no communication from WU telling me sorry and what went wrong, in fact when calling them I got very limited info, saying may be the recepie by reached some limit, but never a definite answer, never giving a direct answer to the declined transaction. Terrible service. The managers had no answer why transaction was cancelled by western union. Telling me to write to the headquarters. This is weeks now and my money is still held by them.
XX/XX/XXXX RE : Bank of America. Complaints ; XXXX and XXXX.

Recd, a call from XXXX XXXX, representing Bank of America. Ph # XXXX XXXX XXXX.

Extension XXXX.

I returned the call. Asked up front, ''-what needs to be done to reconcile these issues today? '' My desire, as mentioned to XXXX. XXXX was to conclude the complaints, satisfying his employer and myself ; a meeting of the minds. FYI : XXXX XXXX stated ultimately, he, he would be the decision maker. Alas! XXXX XXXX had no answers. ( Request a copy of the call. My attitude ; my desire is/was reasonable. XXXX XXXX 's response, well ... ... ... ... ....

I have no idea why XXXX. XXXX phoned me today. I consider his phone call a form of HARASSMENT. That's a reasonable appraisal, for XXXX. XXXX clearly stated multiple times that no decision would be made until Friday, XX/XX/XXXX.

I am being abused by XXXX. XXXX ; by Bank of America, as I was by branch personnel mentioned in my complaints.

Today 's date is XX/XX/XXXX. It's XXXX. XXXX XXXX
I have two issues with Check N Go. First, I called initially to ask about the application process. I was told that they only do " soft pulls '' that do not effect your credit. I went ahead and applied for payday loans that have been successfully paid in full. I had an incident where my dog suffered trauma and needed emergency care. I applied for financing with the veterinarian for this and was denied due to a failing credit score. I was under the impression that previous efforts to raise my credit was working but came to find out that my score had suffered due to the multiple inquiries from the payday loans. I was not approved for financing for my dog and had to turn to Check N Go for funds for my dogs XXXX and care. I now am in a situation where they are requiring payments of {$660.00}. for 11 months for a total amount of {$7200.00} on a loan amount of {$2700.00}. with an APR 219 %. I feel that I was placed in this position due to the company falsely informing me of their application processes that effected my credit. I had no choice but to request funds and want to pay back the amount that I borrowed but feel that the excessive interest rate is above and beyond what is fair. It is taking a toll on my monthly finances and am finding it extremely stressful and feel that my mental and physical health is beginning to suffer just thinking about the repercussions of not paying back as they are requiring. I feel trapped and that I am falling behind already and I have many more months of this payment ahead of me. Please help. 
Sincerely, XXXX XXXX
I have a mortgage whereas I and my ex-husband are on the mortgage and the note, however I received a Quit claim deed and am the only one on the title. My ex filed Bankruptcy in XX/XX/XXXX. I did not know until I contacted SLS to ask why I stopped getting statements. I have been paying the mortgage since then voluntarily even though they refused to send me any statements or notices. I recently found out that as of XX/XX/XXXX, I have rights as the Successor in Interest and have notified them of this. I have yet to receive anything. I mailed my mortgage payment to the addresses I have been sending it to for over a year on XX/XX/XXXX, and the payment was not cashed as of XX/XX/XXXX. I called SLS and asked if they received it and they said no, but provided no more information. I stop paid that check and mailed another on XX/XX/XXXX. I called today XX/XX/XXXX and asked why they had yet to cash this one, and after getting the run around was informed that the address in which I am to mail payments had changed 3 months prior and they were no longer forwarding any mail or payments! I had never been notified of this, which they could have told me on XX/XX/XXXX when I called the first time. Now I am late on my payment, of no fault of my own and have 2 checks floating out there. They also said the mailed me notification of next payment on XX/XX/XXXX and I have not received it either. I cost me {$60.00} to stop pay 2 checks and I do not feel like a business can stop forwarding their mail after only 2 months. What if I'd have been on vacation, or in the hospital. Is there not a law as to how long a financial institution must have their mail forwarded. And should they not have had to send me notification of the change since I am on the mortgage?
Chase Bank agreed in XXXX, 2016 to a closing date of XXXX/XXXX/16 for a house we bought. They were unprepared on XX/XX/XXXX, but said ( daily ) they only needed another day or so. The seller let us move in anyway, as they had moved out and were enroute to Colorado to close on their new home. I called and emailed XXXX or XXXX different people at Chase daily, and almost never got a return call or email in reply. Chase delayed day by day, not closing until XXXX/XXXX/16. We had to pay our sellers ' out-of-pocket expenses of {$4600.00} to get them to extend our purchase contract past XX/XX/XXXX. We have asked Chase repeatedly to refund the {$4600.00}, and they have hinted that they will, but they are ignoring my calls and emails. We would like Chase to pay the {$4600.00} cost we incurred because of their delay. In addition, Chase 's rep, XXXX XXXX, promised to get our loan origination fee of .XXXX % waived at closing, but it was not. We would like that amount refunded, too, because of the promise they made AND the ordeal they put us through. Our sellers called us " squatters '' and even told some neighbors of our problems getting financing. It has made moving into the neighborhood uncomfortable, all because of Chase 's incompetence. Our credit, income and assets are very good - Chase is the entire problem here. I have dozens of emails and recordings that document their failures to perform, respond and make repeated requests for documents already supplied.
I have been disputing these accounts since XX/XX/XXXX. On my Experian Credit Report I sent letter certified mail requesting documents in bearing my signature & all other documents pertaining to these accounts, and if not provided they must be removed from my report. They replied saying they would not reinvestigate the accounts. I asked for whatever documents they considered verifiable to be sent to me since it is my right to see these documents & know exactly how they were validated. They failed to do so, they didnt even attempt to simply stating they wouldnt reinvestigate the items that i have been disputing since XX/XX/XXXX. Certified letter was sent around XX/XX/XXXX The items Im referring to are : XXXX XXXX XXXX- this account has been deleted from XXXX & XXXX . 

XXXX XXXX XXXX- Account XXXX & XXXX, both of these were removed in XX/XX/XXXX & reinserted in XX/XX/XXXX, without being notifified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- this  account is over 10 years old and has been removed by the other two reporting agencies XXXX XXXX XXXX XXXX
My daughter recently applied for a mortgage through Wells Fargo in XXXX Ct. I owed her approximately {$5000.00} so for her closing I transfered this money to her. Well Fargo then required I provide the account number this money was transfered from. In addition they requested a copy of my bank statement for the month showing the transfer. They did not provide any privacy information or tell me how this would be used. I felt that this could be part of a scam and preferred not sharing sensitive account numbers. They would not allow the closing until this information was provided. They still have not sent me their privacy and sharing policy. I feel this was an invasion of my privacy since I was not the XXXX applying fpr the mortgage.
I have been attempting to work with Wells Fargo since XX/XX/2016 to avoid foreclousre. I cintact them immediately when I knew there would be an issue covering the mortgage and beagn working a realtor, as advised by Wells Fargo, to attempt to sell the home. 
As I've moved through the loss mitigation process from traditional sale, to rejected offers, to short sale, to deed in lieu, I have been repeatedly misinformed by Wells Fargo, reassigned to no less than specialist 7 specialist, and contiuously asked to resubmit documents that have already been submitted as requested within the stated deadlines. Due to their admitted errors I was previously been denied a short sale review, and most recently a deed-in-lieu review, despite their records clearly indicating that all of the requested documentation was received prior to teh deadline.
Family members, family owned businesses have been contacted from " XXXX XXXX XXXX XXXX XXXX ''. Threatened with wage garnishment or a judgement. Claimed it was from a US bank account in 2007.  Claims it was a " purged account ''. Told me I would receive paperwork between 11-4
I have written and called several times when I noticed several fraud accounts on my credit report. right now they are only showing on Equifax. I have sent in my ID Driver License with My Social Security Card. as PROOF OF ME. 

PLEASE HELP THIS IS RUINING MY LIFE.
I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX XXXX, Title XXXX, Chapter XXXX, Section XXXX. ( under the FCRA XXXX A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Equifax has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Equifax can not produce this then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. Sec. XXXX XXXX a ) ( XXXX XXXX Texas XXXX bond information as required by Texas XXXX XXXX XXXX XXXX
I received a letter from Synchrony Bank stating that they closed my Banana Republic Credit Card due to my credit score and review.
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I should not have a balance with them as I have never used the services of XXXX XXXX XXXX in order for me to be charged. I returned the equipment they are billing me for within their return period, as a result, I am entitled to a full refund of the charges. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

Although you are a separate entity, I have disputed the item with XXXX  and it was immediately removed from their credit report. What is the difference between your investigation and theirs? 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. As a matter of fact, I don't recall receive any communication from them at all and it has been since XX/XX/XXXX when I sent communication out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I will not escalate this matter any further upon removal of the item from my credit report. This is truly ridiculous. 

I look forward to an uneventful resolution of this matter.
My bank is charging me {$190.00} a month for PMI to insure they get paid. I pay the premiums. I asked to get it waived and they said I need to get an appraisel to see if the value is high enough. Surprise! The appraiser must be theirs and it costs another {$360.00}. It 's their appraiser and not an independent one that I could shop for. Unethical!
I applied for direct consolidation loans under Navient using the Dept of Education student loan website which linked to my 2015 IRS. I received confirmation that my direct consolidation loan requests with Navient were received with estimated payments under the REPAYE program ( which I also submitted the documents to apply for REPAYE ) of approximate {$220.00}. Despite confirming the processing of everything, confirming the accuracy of the information and receiving the paperwork with the REPAYE estimated amount, I now have a bill of {$1200.00} which is not based on the REPAYE amount. Further, my private loans under Navient with the standard payment of approximately {$720.00} now shows {$0.00} due, which would be great, if it were correct. In the end, my monthly student loan from Navient should be approximately {$950.00} not {$1200.00}. This is ridiculous, I had to call them so many times to confirm everything was received and processing correctly. Their practices are unfair and deceptive as they do not properly process the loan terms and put the consumer at risk of significant credit and financial harm. I can barely make {$950.00} and can not pay {$1200.00}.
XXXX, TX XXXX has been vacant for more than 12 months and has become a health and safety hazard for the community. The property is not well maintained and the HOA is not able to collected needed assessments from this property to help pay for services the HOA provides the community to help maintain property values.
This debt collector called and was threatening, asking me repeatedly if I intended to pay a debt I know I did not incur with an Orthodontist? I have never been to an orthodontist. I told the debt collector I needed validation of the debt and he told me " blah blah blah - whatever are you paying this or not!!!!!!!!!!!!!!! '' I told him no and that he had no authority to call and threaten me at my place of employment!
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you
The company - CREDITORS DISCOUNT & AUD - continues to place an account that does not belong to me. According to the information they placed on my credit report they indicate it is for " XXXX XXXX ''. Fact 1 ) I have not been to an emergency room in a long time, if ever. Fact 2 ) I have requested them to provide proof that this is my debt, and they have not only refused, they have not provided any.
I kept getting a error at the end, telling me the " tell me more '' page had a error. That was my last and final error before reading that I was unable to get my report and had tried the maximum number of tries. I also got XXXX captha ( sp? ) wrong but this could not have been because I double checked each time and what I had typed in was exact to what was presented. I would just like to get my report without having to mail in for it. 

My husband is unable to get his online too.