WillisBack/dataset-financial-user-claim huggingface dataset:
I take advantage of XXXX yearly. When I applied for a home loan through XXXX  in XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XXXX, XXXX six fraudulent student loan accounts were appearing on Experian, XXXX, and two on XXXX. The six on Experian and XXXX were created by XXXX XXXX. The two on XXXX  were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XXXX due to a XXXX caused by an automobile accident. I had a student loan with XXXX XXXX in XXXX. This loan was paid off. The following are the six accounts by XXXX XXXX on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}. 
Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XXXX, but continue to remain on report. Numbers 1-6 are XXXX XXXX accounts falsely created and Numbers 7-8 are XXXX XXXX XXXX.
I have a a unverified account from ENHANCED RECOVERY COMPANY XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. 
Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
On XX/XX/XXXX, I requested a Reinstatement Demand from my lender Fay Servicing so that I can reinstate my loan to avoid foreclosure. They stated it would take about 5-7 business days to receive the reinstatement in writing. Then I call back today only to be told the request never got put in and they will be putting it in today. This is really hurting me because I plan to take the funds out of my retirement and the only way they can release the funds is to have the reinstatement figures in writing. Now I am facing a foreclosure sale on XX/XX/XXXX and Fay is jeopardizing the loss of my home! They do not understand that this is all a process and I am doing my part.
I use Regions Bank and have 2 checking accounts and one savings account. I have the both checking account set up for taking out of savings if if checking accounts overdraft. I also called to have secondary checking account draft money from main checking account if not enough in savings. Last night my second checking account overdrafted. and there was not enough in savings but I was charged a {$36.00} fee because money was.not drafted from primary account account. I called and was told money can not be drafted from primary account to cover secondary account. I told the supervisor that I had called a couple months back and service representative said I could draft from primary account. This bank is practicing unfair trade actions and should be avoided
To whom it may concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the numerous written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite numerous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Also, I received a letter stating I contacted transunion to add a 90 days initial fraud alert on my account. That is a LIE because I never contacted anyone, I have only been disputing the unverified accounts so you decided to place the alert on my behalf without my consent, which is against the law. I am requesting for the fraud alert to be removed immediately I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Suntrust XXXX Unverified Account
Chase CASE ID : XXXX My Mother had XXXX on XXXX XXXX, 2017 in XXXX, FL. I have all doctor 's note and completed Chase forms. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then XXXX at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and XXXX, I stayed in FL and was unable to take my return flight home. 

I asked Chase for the trip cancellation protection, but they declined it for 2 reasons. 1 ) my mom had a pre-existing condition. My mom did NOT have a XXXX XXXX. She went in for XXXX because of potential XXXX found by doctors just a few weeks prior. 2 ) XXXX refused to cancel flight instead provided flight credit expires in 1 year. But I will not be flying XXXX again because it does n't fly to destinations I frequent. I am happy to give the credit to Chase. 

I am disappointed that Chase trip cancellation benefit is so difficult to use. In effect, Chase is telling me that I am on my own when I helped my mother recover from XXXX. 

Please find attached all documents submitted to Chase : - physician 's statement signed by doctor - claim form - refund policy of XXXX - travel credit - credit card statement with XXXX charge
I made a deposit at a Chase ATM back on XX/XX/2016. Unfortunately, the ATM jammed the checks and did not credit the account. I then called Chase claims department and initially they said they were able to see XXXX of the checks deposited ( there were XXXX total ) and credited the account for that XXXX ( amount was {$400.00} ). Then I called back letting them know there were more checks but did not get a chance to check our records for the exact amount so they credited {$500.00} in addition as an approximation. 

After going through my records, I realized there were a total of XXXX checks totaling {$1300.00}. So we called back to file an additional claim for the remainder, {$430.00}. At this point ( around XXXX ) the {$400.00} and {$500.00} were finalized and permanently credited to the account. However, Chase kept saying they need more time to process the last claim of {$430.00}. they also said they have recovered XXXX of the XXXX checks. After another 2 months, we got a letter from Chase in XXXX saying that they have found the {$430.00} to be correct and debited the amount out of the bank. I was told that I need to look for the original payor of those XXXX missing checks. ( The {$430.00} does n't add up to the XXXX checks, that is just the difference between the total amount of the deposit and what was already credited to the account ). I reopened the claim and was able to get a check image from one of the payors of the XXXX missing checks showing that missing check was in fact cleared from her bank account and quickly faxed it in. Chase still denied the claim ( for the second time ) in mid XXXX and re-debited the {$430.00} out and closed out the claim ( given the only check missing was in the amount of {$75.00} ). I called back about a week ago and they said they would re-open the claim and that they have what I faxed and they would contact me and the claim will be accepted. Now, there is still no answer. I have asked to speak with several people in Chase customer claims.
When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. experian has removed these loans off my credit but they are still on my XXXX and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.
I was charged an annual fee of {$190.00} on XX/XX/XXXX by American Express but they gave me a credit of {$200.00} on XX/XX/XXXX. When I called and asked about {$200.00}, a representative told me that it 's a special credit on the anniversary of the card. I told the rep. that I was going to cancel the card to avoid the annual fee but since I got {$200.00}, I am going to keep the card. 

However, I noticed {$200.00} credit reversal on the XX/XX/XXXX on the statement that ended onXX/XX/XXXX, and used the customer chat feature to inquire about that on XX/XX/XXXX. I was told that it was an error that I got {$200.00} so they took it back. I repeatly explained to them that I would have cancelled the card if it was n't for the {$200.00} and asked for the refund on the annual fee but they told me that they ca n't because 30 days has been passed. One rep finally submitted a claim for me on XX/XX/XXXX but told me that it might take up to 30 days and I am the one responsible to call back from time to time to check on the status of the claim. 

I feel like the company tricked me to stay with them and pay the annual fee of {$190.00} by offering {$200.00} credit, only to take it back a month later, when it was too lake for me to act on it to get my annual fee back.
I 've already filed a complaint once against IC Systems. Case # XXXX - they removed this from my credit then added it back. I 've contacted both IC Systems and XXXX XXXX XXXX and neither of them have an account for me. I again am asking the IC Systems remove this from my credit. The way I was talked to and harassed with phone calls is not the way to collect any type of debt and I will not be paying them or XXXX XXXX XXXX due to they were very unwilling to help me on their end with an arrangement I could afford. I again will ask this be removed from my credit report. Thank You.
In the first week of XX/XX/2018 I received a note that my bank, BankUnited in XXXX, Florida, transferred ownership of my mortgage loan to a different service provider. In the letter I received, I was told that I had 30 days by federal law ( from day of notice of transfer ) during which I could send the original payment to the original bank and they would be obligated to forward it to the new loan holder and without incurring any late fees. BankUnited, however, refused to accept the payment in violation of federal law. I then called their helpline and both the person who answered the phone and supervising manager told me that they were under no federal obligation to receive the check and could also not tell me where to send the payment to. After the call, I researched the aforementioned law and found that BankUnited has in fact ran afoul of the law by refusing to accept my payment during the statutory allowed period. Today is only XX/XX/XXXX, meaning I am still within my rights.
A loan that was paid off in XXXX 2013 and it is still showing open on my credit report. The company that was servicing the loan is no longer in business. I have a goodbye letter from the lender and a welcome letter from the lender that took over the loan.
Thursday XXXX XXXX, 2017 : XXXX XXXX Eastern Time - unknown number called me.. answered, no one on the other line XXXX XXXX Eastern Time - called number back and spoke with a male representative who gave me his name, and the company name. Wanting me to verify information. I refused to give him my information and asked " Are you a debt collector '' he kept telling me he could n't say until I verified the account which is in violation of FDCPA 805. Communication in connection with debt collection ( 15 USC 1692c ).
I received an alert from XXXX that Midwest Recovery Systems placed a negative item on my credit report. When I called them, they said I took out a loan from XXXX XXXX XXXX in XXXX of 2011 and that I owe {$660.00}. Midwest Recovery Systems did not send me a letter about this debt before this negative item was put on my credit report. In addition, I do n't remember taking out this loan. Also, Midwest XXXX XXXX is not licensed to do business in XXXX Illinois, so the loan is invalid.
This is the story of JP Morgan Chase and the multi-year long saga of the never ending document demand and " we 're reviewing your loan modification request '' lie. This is how the original borrowers from Washington Mutual were treated when Chase bought their loan portfolio several years ago. Incessant letters, lost documents, multiple account rep changes, misleading characterizations of what underwriters were doing, lies that your loan was suspended from foreclosure when the XXXX was actually proceeding to foreclose. It was the most horrible experience I would never wish upon anyone in this country. Not months of waiting for an answer about a loan modification-years- and it never happened. My logical request to make some good faith payments while awaiting a decision- denied. Loan counselors so inept as to basic mortgage practice- widespread. Wasted hours copying and sending the same information over and over to a black hole- I wish I could have those hours back in my life. Again, all for nothing. Chase- I do n't care about how busy you are, how many problems you have and all the lame excuses for not dealing with your customers in a fair and expeditious way. You wanted to become this behemoth enterprise so you deal with it. I 'm done with you after paying this loan off and you will never see another dime of my money come your way.
The complaint is against one of the Telephone/Internet companies in PR ( XXXX ). 
The service was cancelled on the XX/XX/XXXX due to bad service ( various reports of interruption in the service, delays in follow up and time the repair job was coordinated and completed and the charge for a service was not given ). 
Even though all those issues, I had to wait until the end of the contract to cancel the service. Due to the fact that I signed for a service that I never received. That is, I extended the contract agreement to have an upgrade in the internet velocity to find out the service was not available to the area of residence. So, I had to wait on a contract to expire when the service was not provided. 
The service was cancelled on the above mentioned date and I remember asking the Account Representative to give me the ending balance as of that day. I asked her if she could do that and agreed upon the final payment. The payment was done and the Service Cancellation - Client Receipt was issued. 
To my surprise I received a letter stating that I had a debt for {$23.00} from the internal collection agency of XXXX ( CICA Collection Agency , Inc. ) dated XX/XX/XXXX. Called XXXX and was told that the debt came after a final audit. What audit do they need when you can see all the records online? Besides, that was something worked at the time of cancellation, not otherwise. 
Where do I raise the flag and think about this being a fraudulent tactic and something to bring to the attention of the authorities and for an audit not only of my account but other accounts? 
When in a conversation with other office workers at lunch they told me they had a similar issue once they cancelled the account and something like {$23.00} was the amount owed after a final audit. Since it was a small amount the paid it and forgot about it. 
Once again, I am convinced the charge is not a valid one, more so, is a fraudulent one requiring an investigation.
After several attempts to verify and validate the debt being reported on my credit file it was unsuccessful. The information is being incorrectly reported and they havent responded nor validated/verified the debt.
My checking account was closed on XX/XX/XXXX with a negative {$950.00}. i was a victim of a scam which left me at a negative {$320.00} on XX/XX/XXXX. the bank wants me to pay all kinds of overdrafts and fees.
Upon reviewing my credit report from the reporting agencies, I found an account from Pro Com with the original creditor being XXXX 's. I 've never purchased anything from XXXX 's. This account is negatively affecting my credit, and it 's an account that is not mine.
XXXX XXXX XXXX XXXXXXXX ( XXXX ) is in violation of : Using any false, deceptive, or misleading representation or means in connection with the collection of any debt, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, including but not limited to : ( 1 ) falsely representing the character, amount, or legal status of a debt, or any services rendered or compensation which may be lawfully received by a debt collector for collection of a debt, in violation of Sections 807 ( 2 ) ( A ) and ( B ) of the FDCPA,15 U.S.C. I692e ( 2 ) ( A ) and ( B ). On XX/XX/XXXX, I received a Notice of Default - Right to Cure notice from XXXX in the amount of {$10000.00} for account # XXXX. On XX/XX/XXXX, I received a notice from XXXX stating that they would be force placing hazard insurance on my deceased parent 's home. Specifically they state, " Because hazard insurance is required on your property, we plan to buy insurance for your property. '' In addition, on XX/XX/XXXX they ordered ( order # XXXX ) and conducted a Broker Price Opinion ( BPO ) on my deceased parent 's home without conducting due diligence or authorization. I have repeatedly told XXXX the security interest they are allegedly servicing, and is legally described in the note and mortgage is not my deceased parent 's home. My deceased parent 's home, per tax records ( attached ) and Deed, is located at Rt. XXXX XXXX XXXX, XXXX, New York. The property 's legal description is codified in Deed XXXX XXXX, dated XXXX in the XXXX XXXX XXXX XXXX. XXXX is erroneously attempting to foreclose on this property. The property legally described in the note and mortgage is codified in Deed XXXX, dated XXXX and is associated with recorded mortgages : XXXX, XXXX and XXXX, all of which are recorded in the XXXX XXXX Land Records. See attached property map. XXXX refuses to acknowledge the truth and continues to pursue collection on the wrong property. They repeatedly state that they are servicing the account per the note and mortgage. They are not. I have provided proof that they are in fact incorrect.
I 'm currently with the Rush Card thru XXXX XXXX ... as you guys probably already kno it 's been 8 days and we still ca n't access our hard earned money nor speak to someone at customer service! All of my bill are due and their is nothing I can do ... .I think it 's sad we ca n't access our money
The California XXXX XXXX XXXX XXXX requested a copy of my credit report. I was notified through XXXX, and when I reviewed the alert, it shows it was a phone inquiry. The board did not have my permission to run my credit, and I would like to know why they did. I am curious if a state government agency is above the law and is allowed to run peoples credit without consent?