WillisBack/dataset-financial-user-claim huggingface dataset:
I paid with a Check from XXXX XXXX XXXX the amount of {$300.00} to KOHLS, XXXX XXXX. 
They clear the check from my XXXX XXXX XXXX Acct. After That KOLHS said they never cash the check because it was return. I went to XXXX XXXX XXXX and the fax to KOLHS the the CHECK # XXXX, cashed by them. 
After that they continue charging me the balance. I called again and ask what else I can do to prove the check was chased and never return to my acct. They request to me fax my last XXXX Bank statements where it show XXXX, XXXX and XXXX, I did fax to them. After that I still receiving letters from them collecting the XXXX. 
Please help me to resolve these problem, I feel tire and frustrated, these is a violation of my consumer rights, and can damage my credit reputation. 
Thanks, XXXX XXXX
I applied for a CapitalOne Venture credit card. I heard nothing back for several weeks then I received XXXX letters. XXXX letter congratulated me for being approved. The XXXX letter contained the Venture Visa card. And the XXXX letter warned me that a 'FRADULENT CREDIT CARD ACCOUNT MAY HAVE BEEN OPENED IN MY NAME! '' Since I had not activated my CapitalOne Venture card, as yet, I called the number provided. 
Now starts the problem. I called the number located in the XXXX and spoke with " XXXX '' All this representative would do is repeat the same thing over and over again not really listening to my questions. She continued to read from her script asking me to resubmit all the information I had originally submitted in my application. No matter what I asked she wanted my " SS number, date of birth, etc. '' Since I was getting nowhere I tried again a day later -Same thing this time with " XXXX '' 15 minutes of repeating the same script. 
It was at this point I decided to write to CapitalOne in XXXX XXXX XXXX, UT. That was over 10 days ago - no answer to date. I have now decided to not activate my Venture card and just get my name off their records and close the account. 
Sounds easy right? Guess again. 
XXXX more calls to their customer service number First with " XXXX '' and then with " XXXX '' after 20 minutes of hearing that " if I wanted to close the account I needed to send them personal information. I came away with the same answer " Call us back ... .. '' Part of my complaint is if companies are selling products and have a customer service number, at the very least they should representatives who are capable of answering questions and then directing you to the next level. 
Speaking to someone XXXX XXXX miles away, who in parrot like fashion, only repeats the same scripted sentence or XXXX over and over again is not what the buying public wants. In addition, expecting anyone to give personal information to an individual because they are using an XXXX type name ( with a heavy accent which is difficult to understand ) is not my idea of a sound business practice. 
What I do want is to cancel all financial contracts with CapitalOne Visa Card. Since I have not activated my XXXX card I would like a letter from CapitalOne stating that the account is closed " at the request of the customer ''. The letter should state that no negative information has been sent to any of the XXXX major credit reporting bureaus which might impact my credit score or standing
This company is reporting a collection on my credit reports however the address linked to the collection is NOT mine nor have I ever lived there. The house number and street name and state are the same but the town and zip code are not mine. I have tried disputing this debt and asked for PROOF that this debt is mine, they have not given me proof. I have NEVER lived at the address they are reporting nor have I even lived in that town. They have not shown me anything and I am tired of it ruining my credit due to their improper reporting.
At the beginning of year 2015, my city taxes were lowered due to reassessing the property with the county. This was my second time in doing this over several years, and was awarded a decrease in taxes both times, lowering the property value by half of what it was. This information was forwarded to Seterus in order to keep them informed, that my escrow should be lowered, due to reduced property taxes. Instead they increased my escrow account, for which I refused to pay, after trying to reach them by phone to discuss this matter, their customer service line is not a customer service line, but a collection agency, and no one would direct me to an individual whom I could speak to about my issue. I continued to make my on time monthly payments, only to have them separate the apparent prior months shortage causing the account to go into default. This resulted over the next several years late fees along with credit issues for which I challenged and won, as the credit agencies researched my account and agreed that I was up to date. I asked on several occasions a payment analysis from Seterus, which they sent me, unfortunately the readout was to confusing to understand, as I simply wanted to see a spreadsheet from them showing my payments to them, so I could compare to my monthly payment history, in order to verify myself. They refused to follow up with me, and since there is no one to speak to, all inquiries are sent to their website for review, and then they reply in a letter, not giving you an opportunity to challenge them. This is very frustrating, as they keep adding late fees to my account, that is up to date, and since I can not contact anyone from the company this will continue. 

Please advise so that this company can be exposed for very poor customer service.
My mortgage company continues to call from the XXXX of the month asking me if I have made my mortgage payment. It is technically not late until the XXXX of the month but they start calling on the XXXX of the month until I either answer the phone and state it 's on automatic dialer.
i made acheck payable to gm financial using my personal checking acount some XXXX alter the check the check was supost to be for XXXX the made the XXXX look like a XXXX there my acount was debited XXXX dollars gm financial is stating they havent received the payment i contacted XXXX XXXX wich is my bank they saying that the check was cashed i went multiple times to the branch with no help they saying investigating but gm is charging me all kinds of late fees the last thing that XXXX XXXX did was correct the amount but a month later gm still calling me about the miss payment
Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. XXXX XXXX XXXX is reporting to them the wrong activity date.
Could n't pay a loan company for a loan due to lost job, explained I was working part time, will begin payment around the XXXX week of XXXX in low installments, did n't give amount due to was n't sure of my paycheck and other priority bills. This was explained to representative who called, last week or the week before. I notice that they attempt a new draft for a different amount to my bank. I made myself clear to them that I had no other choice or money to pay them, they are causing more issues with my bank account which was to be closed and was n't by the bank themselves.
I have been trading on XXXX a division of coinbase for several months now. I saw the prices were fairly high on XX/XX/XXXX in the XXXX range but were dropping fast. I had been trying to put a sell order in for a few minutes and finally did get it in at XXXX a bit lower than I wanted being the major delays on XXXX. I had planned on buying back ( day trading ) at the bounce and when the bounce came I was locked out, XXXX wouldnt load for 5 minutes and kept giving error messages. I had also tried my laptop next to me and same issues. This was at approx XXXX to XXXX XXXX on XX/XX/XXXX East Coast Time. This has been an ongoing issue with XXXX and coinbase as soon as traffic picks up they  seems to have issues. In all reality I should have had my sell taken much higher XXXX and bought back at XXXX but I was screwed and by time I could buy back it was between XXXX and XXXX The price had kept climbing the 5 minutes the site was down and put me at a loss. I was also hammered in fees XXXX Things happen very fast in day trading and you can not be in this business if you can not handle the demand and give the customer a service your in the business to do. Luckily I was able to get the bitcoin back when I did before it kept going higher! 

I have attached some of the many screenshots I took. You can also see they were having issues with all 3 crypto they sell. All dropped at the exact time across the board but I had compared this to XXXX, XXXX etc and the charts look nothing like this. They admitted possible insider trading the following day!
This compnay started to contact me a couple years back saying i owe on multiple debts that I do not recall. I have sent them ans the credit agencys mutiple validation letters requestion proff these are my accounts. They havent showed me proof at all. they keep sendinf summarys of these accounts. they havent showed my the contracts for thr origanal debt or any significant proof i am assocaited with these 3 collections. I will like these accounts to removed from credit report.
I was on my credit report and seen a collection from them for {$140.00} says it was opened XXXX 2017 thing is i never received anything in the mail or anything about this debt and i am not sure what it is a bout amd want ir removed from my credit.
I have about XXXX hard inquiries on my credit report that arent from me!! Also i noticed on my report there 's info from supposedly me that dates back to XX/XX/XXXX. I was actually XXXX since i was XXXX so its false.. my birthday is also off by a year. It states XX/XX/XXXX. My birthday is XX/XX/XXXX. I would appreciate it if my credit report was analyzed because theres so many disputes its ridiculous. Thanks
I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from midland funding still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the XXXX time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. Midland funding collections agency that I an a part of. Please help.
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last letter I send certified with tracking number XXXX in which the credit bureau responded back still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiry ( ies ) by Original Creditors on my Experian XXXX XXXX. Regarding the following inquiry ( ies ) 1XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX. 
I have also requested that they remove any and all of my personal information from Experian 's records.
I am a navy federal account holder I just saw that navy federal had to pay out a class action law suit for locking accounts and threatening to go to the commanding officer I was just wondering because this happen to me numerous time and I just paid my loan off last week and I want my piece of the pie too.Everytime I call navy federal to discuss the matter they put me on hold until I eventually hang up.
I have owned a property in NC for over 10 years. When I purchased it needed extensive renovation. I did an interest only loan to preserve ma/ny for the repairs. This was XXXX. My husband and I also purchased a business during this time. From XXXX to XXXX we lost money at the business. I did a modification with Wells in XXXX. Since then we have lost the business and had to file a Chapter XXXX for protection against business debts, not personal. I have asked for help from Wells as we have paid 6.625 % for 10 years and have not gained any equity. They sent me an appraisal in XXXX showing the value as XXXX. When I contacted them about getting turned down for a loan modification or principle reduction I was told that I should look into a short sale. Why should I sell my home for XXXX where we all lose? I have told them that we want to keep and pay on/off our loan. I have worked in the XXXX for 20+ and can not understand how a consumer could navigate this process. I finally gave up and now my payment has adjusted up another {$500.00} per month.
11 XXXX XXXX XXXX XXXX  XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA

sec. 605, 609, and 623.
XXXX XXXX XXXX   XXXX XXXX  XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided

proof as per FCRA sec. 605, 609, and 623.
XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof

as per FCRA sec. 605, 609, and 623.
XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof

as per FCRA sec. 605, 609, and 623. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof

as per FCRA sec. 605, 609, and 623.
XXXX XXXX  XXXX   XX/XX/XXXX Please verify and validate all data for this account, every notation,

date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623.
U.S. Bankruptcy Court XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623.

U.S. Bankruptcy Court XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA

sec. 605, 609, and 623.
U.S. Bankruptcy Court XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA

sec. 605, 609, and 623.
U.S. Bankruptcy Court XXXX  XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623.

U.S. Bankruptcy Court XXXX XX/XX/XXXXPlease verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623.

U.S. Bankruptcy Court XXXX   XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623.

U.S. Bankruptcy Court XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623.

U.S. Bankruptcy Court XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, date, and balance, whether reported or not. I would like to be provided proof as per FCRA sec. 605, 609, and 623.

I sent in dispute letters and I requested proof for all of these accounts.
My wife, XXXX XXXX XXXX, has mortgaged our home to " Chase ''. Property address : XXXX XXXX XXXX, XXXX, Mi XXXX. Chase Loan No. ending in " XXXX '' .Our regular monthly mortgage payment amount is {$410.00}. On or about XXXX XXXX we made the arrangement to have that amount drawn from our " My Personal Credit Union '' checking account, and that arrangement was confirmed with " Chase ''. On or about XXXX XXXX a " Chase '' letter dated XXXX XXXX, 2015 was received by us stating among other things that due to a credit of {$170.00} against our account our payment for the month of XXXX would be {$240.00} ( the basis for the credit was not disclosed ). We thereafter made arrangements with " Chase '' to have that amount withdrawn from our account for the XXXX payment as that letter stated. Thereafter, a letter was received dated XXXX XXXX and another dated XXXX XXXX from " Chase '' stated a payment of {$410.00} would be withdrawn from our bank account for the XXXX payment. We immediately called " Chase '' -spoke to a representative and confirmed the payment of {$240.00} ( confirmation # XXXX. ) We now as of XXXX XXXX XXXX have received credit call from " Chase '' demanding $ XXXXXXXX/and no explanation of the " credit '' disclosed in the verified " Chase '' letter of XXXX. XXXX phone calls to " Chase '' since the XXXX XXXX " draw date '' have accomplished no settlement ; but a repeat of the demand for the Regular monthly payment. We surmise that the " credit '' was a return of Attorney fees assessed against our account for foreclosure actions taken by a law firm in XX/XX/XXXX/XX/XX/XXXX 2015. Undoubtedly Credit Agencies have been informed of a missed monthly mortgage payment for XXXX 2015 with the negative effects thereon. We believe " Chase '' has violated the Fair Debt Collection Act. We want our account audited with a Report issued thereafter and all credits due placed on our mortgage account, credit accounts and payment of any applicable penalties assessed against " Chase '' and in our favor. We have tried to resolve the matters with " Chase '' by phone and have accomplished nothing another than repeats of demands for late payments to be made. Thank you for working your way through the details of this administrative nightmare.
Everbank is claiming we have a 2 or 3 month history of late payments when in reality it was the fault of the bank. Everbank claimed we put a stop payment on a check we sent to them. 
I supplied all the bank info to prove there was never a stop payment issued by me or my bank. The bank made several errors that they admitted to but now claim it was our fault. I have been trying to work this out with them for over 6 months now with no success. 
They have asked for lots of info and we supplied it. Then they look into it and then ask for the same info again as the file or whatever was passed off to someone else. 
Most everytime we call we get a different person and have to start from scratch We are trying to get a refi and a equity loan and due to the erroneous reporting we are being denied. This situation has caused us much grief, lost time from work, interest rates are rising and without the equity line we are losing rental income. 
We need to have the negative reporting reversed. 
Do we need a lawyer? We can not afford one! 
We need help.
Enhanced Recovery Co XXXX incorrectly reported the origional deliquency date from the origional account that it reported to the credit bureau. Deliquent accounts are to remain on an individuals credit report for a mere 7 years. The origional date of my delinquent account was late XXXX, however Enhanced Recovery Co XXXX has it dated for XXXX XXXX, XXXX and at one time I had two collection agencies, with Enhanced Recovery Co XXXX being one of them, open on my credit report for the same debt. This type of faulty information negatively affects my credit report. Federal law requires that collection agencies report the origional delinquency date from the origional account. This debt was incurred by XXXX XXXX XXXX XXXX and was a result of failed contractual agreement. I signed into a contract with the company for a monthly fee in exchange for cell phone service. When my cell phone failed to get reception because of the city where I lived during that time, I called to advice them on their failure to provide the service I paid for. They adviced me a tower would be built in the next 2 years, this was in XXXXI was forced to switch companies given that I was paying without receiving service. The debt was the cancellation fee of contract breach, even though they in fact breached the contract.
US department of education loans were taken over by XXXX and now they both appear on my transunion credit report, and the US department of ed XXXX appears under collection from 2011 even though I have been making the regular payments. XXXX and XXXX are not showing this. It 's impossible to speak to any representatives at Transunion because their phone system does n't recognize when you dial your choices. I have started an investigation online.
I applied for a 1 bedroom apartment with the " XXXX by XXXX '' in XXXX XXXX on XXXX XXXX. Mind you I have no evictions on my file, my credit is average due to the amount of recent inquiries by Law school and rental properties in addition to Car lots fraudulently putting inquiries on my profile long after I walked out. The company uses a background check service called Core Logic. Not only did they report a false report as the reason to deny my application but they used false background reasoning to support their argument to further deny me an apartment. I did my own background check after they did it and did not find anything they were claiming to have found. It did not state anything they said and my credit score did not state anything they said as well. They just did not want me to have the apartment and Core logic used its resources fraudulently in order to deny me the apartment.
After receiving a bill from them I contacted them certified mail usps XXXX requesting debt validation. They then sent me a letter asking me to help prove to them that I do n't owe the debt but no validation. They have continued reporting to the credit bureaus for unvalidated debt amounting over {$17000.00}. I have a right to see the medical bill and dispute charges of services I never received. Continuing to report the debt is illegal.
on XX/XX/XXXX I mailed a certified dispute letter to Ad Astra Rec., on XX/XX/XXXX the received the letter, XX/XX/XXXX they sent me a copy of the original loan agreement. On XX/XX/XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
I had opened an account with pnc bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. Pnc has reported this to ChexSystems and entered it in XX/XX/XXXX. 6 years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.