WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to you regarding investigation results based on information provided to Transunion. Although, I have provided proof to this agency, that the amount is not owed there is no change to my credit file. Other agencies ( XXXX, XXXX ) were able to comprehend and verify the validity of my documents and confirm with XXXX XXXXXXXX XXXX that it is an error within their processes and yet Transunion is unable to correct this reporting. I find this unacceptable and ask that Transunion provide their investigation results with proof of findings. i.e. paperwork, conversation dates and representatives talked to resulting in your inaccurate reporting. 
Once again, proof of supporting documentation : 1. Bankruptcy discharge ( XX/XX/17 ) 2. Confirmation received from XXXX XXXXXXXX XXXX to US Bankruptcy court that the creditor agrees that the debtor has paid in full the amount required to cure the prepetition default on the creditors claim 3. Release of Mortgage recorded paid in full 4. Item on credit report Partial acct # XXXX
I made a XXXX payment on XX/XX/2018 for month of XXXX and on XX/XX/2018 they took it upon themselves to take out XXXX in which it bounce my checking account XXXX and the XXXX payment was not due to XXXX therefore becoming an unauthorized transaction, I had called them and refunded the XXXX payment and was told to submit bank showing insufficient fee and faxed them twice, and then they told me it wasnt their fault and will not reimburse me, now it cost me XXXX extra because i had to go to XXXX and faxed this to them so now i am out XXXX for their XXXX, if it wasnt their fault, then why they reimburse me the XXXX they took out, because i turned around and gave back them that same XXXX in XXXX for XXXX so i am asking for immediate action on this, they took out an unauthorized transaction and they will not refund my XXXX insufficient fee.
I am currently in collections with XXXX XXXX Hospital for a bill that I already over-paid. The hospital owes me the sum of {$65.00}. 

In XX/XX/2017, I went to XXXX XXXX Hospital for an XXXX on my XXXX. A few weeks later I received a bill for the amount of {$440.00}. I promptly paid this bill and have a receipt for the transaction. 

A few weeks later I received two additional bills for the services, one from XXXX XXXX in the amount of {$45.00}, and the bill from XXXX XXXX Hospital for  {$370.00}. This is the bill they want me to pay. I paid the XXXX XXXX bill as this was a third party service associated with the services that I received at the hospital. 

To resolve the issue with XXXX XXXX Hospital, I called their billing department many times over several months but they were not able to find my previous payment. After months of trying to get them to resolve the issue, they sent my information to a collections company which is now requesting that I make the additional payment.
On  XXXX / XXXX / XXXX , I discovered that a collection has appeared on my   XXXX   credit report. I have no idea what the collection pertains to.     The collection shows the amount of {$100.00} and an original date of  XXXX   XXXX . However, no account number, contact telephone number, or contact address is available. If I am responsible for the alleged debt, I should have been notified by letter of the existence of a collection. However, to date, I have not received prior notice of a collection account. Therefore, I have never had the right and opportunity to dispute the validity of the alleged debt.
I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Citi Bank never responded to my dispute from several letters mailout back in XX/XX/XXXX and XX/XX/XXXX and place the account in collections and I disputed it then and never got no response from Citi Bank all ways the run around some one going to call back. I call Citi Bank over 45 times and got no response from them what so ever. I updated my mailing address at the post office with no response from Citi Bank and the post office can verfify change of address.I have/ had a right to dispute XXXX XXXX XXXX and I'm in the process of hiring an attorney regarding the situation by Citi bank
On XXXX I sent a response to a Collection Agency named XXXX  XXXX XXXX XXXX who claim that I have a debt of {$970.00} through Capital One. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.
XXXX is trying to get payment for things that were discharged By XXXX XXXX almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges
my COMPLAINT IS WELLS FARGO HAS REFUSED to HONOR OR RECgonize REGULATION Z AS IT RELATES TO AN HEIR being place on a existing loan mortgage. I AM THE ONLY HEIR TO MY MOTHERS PROPERTY that was left to me via her will i am the executor of her estate and have met with nothing but lies and deceit from wells fargo loan number XXXX. Their stone walling has but one intent and that is simply to drive the home to foreclosure
I initiated an investigation with Experian in which they completed on XXXX XXXX, 2015, Report # XXXX. At this time I requested documentation as to how the following items : 1. XXXX Now-Account # XXXX ... was verified as accurate. 
2. XXXX XXXX XXXX-Account # XXXX ... was verified as accurate. 
These accounts are not at all accurate and I have requested several times proof as to how they were verified in accordance 15 USC ... and to date have yet to receive this information. 
when it has several
On XX/XX/XXXX, I received a letter from XXXX regarding a debt. The debt was in the amount of {$14000.00} and from Midland Funding. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to Midland Funding dated XX/XX/XXXX, and a copy of a court document dated XX/XX/XXXX stating that the default amount of the debt from Midland funding was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with Midland Funding. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.
This account was reported on my credit report. It was previously with another collection agency and when i t was with first agency, I updated my mailing address and made a payment. It then transferred to Online Information Services. I never received notice of the debt and my right to dispute via mail from Online Services. I was only alerted to it being moved to another agency by checking my credit report. I contacted Online Services  on  XX/XX/2017    and spoke to  XXXX   ( refused to provide last name ) to clari fy what address they had on file and they stated they had a previous address ( in which I no longer reside ). When I asked for deletion from my credit report ( after I made the payment ) based on the fact that an initial notice had not been sent to my current mailing address, I was denied.
In 2012 I bought a car from a company name Carhop, which was a lemon their contract mechanics would make some lame excuses on not being able to fix my Van, that I purchased. After all the XXXX I been through under the magnuson and Lemon law I was able to get half of my money back. After looking at my credit score from different sources although it was paid off at wholesale my credit showed derogatory marks on it, and that is false, and I dispute this allegation. I always paid my that Van on time. This company is hurting my credit score.
On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX  deleted all the accounts. Experian and XXXX did not, they only updated the reporting of the account. I contacted Experian and XXXX again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. Experian, updated the account again and did not remove it as requested. XXXX did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my Experian file, XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX file. Please help.
I have asked GLA Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I am reporting a debt collector that I have reported several times in the past. The name of the company is Enhanced Recovery and the last time they called it today,  XXXX   XXXX , at  XXXX . The telephone number is  XXXX . They have been calling for years and they never leave a voicemail message. I have talked wi th one of thei r representatives and told them to stop calling.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I received the attached correspondence dated XX/XX/2018, from XXXX, XXXX on XX/XX/2018 ( see attachment ) In the correspondence it states that I did not make my mortgage payments that were due on XX/XX/2018 and XX/XX/2018. However, sent my payments via certified mail ( see attachments ). My XXXX payment was made via Money Orders and my XXXX mortgage payment was made via certified check also known as a bank check ( see attachements ). 

XXXX, XXXX, in its correspondence threatens to foreclose on my house even though I made the payments on time and via money orders and a bank check. I am askingfor an investigation into the proceedures and processes of XXXX, XXXX and that any foreclosure proceedings by XXXX, XXXX be stopped. 

Sincerely, XXXX XXXX
Last month, I changed my bank account on my Elan Financial Services credit card. I have had autopay setup for a year or more and simply changed the account associated with the autopay . Elan skipped  my autopay on  XXXX , and I reached out to correct them on  XXXX  and they refused, despite it being their error. I repeatedly asked them to correct the autopay error, most recently today, and they refuse.
Since XX/XX/2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.
Chase bank locked my accounts. I can not log in or access any of my accounts. This started because a friend of mine sent me money using Chase XXXX  XXXX ( about {$1200.00} ). My friend sent the money from her Chase account, to mine, and yet they locked my account because they could not verify her. She is currently on XXXX leave in XXXX and will not be back to the US for months. Chase told me they will not unlock my account until she comes to America to verify her account with them! I asked, how can you lock my account because of an issue with someone else 's account?! They could not provide any reason or explanation to me. This is a big problem for me since Chase has my checking account and money that pays for my bills and credit cards, and I can not access any of my funds or accounts for two days now. Chase also has control of my XXXX XXXX XXXX XXXX credit card.
On XX/XX/2018 RISE credit did an unauthorized hard inquiry on my XXXX report. I have never applied for credit from RISE.
I was sold a Zero % interest plan ( for 2 years ) in store by XXXX / Synchrony Bank. It turns out this is a deferred interest plan, which is not what they tell you in-store, of course. Now, at the end of the promotional period, I 'm hit with a massive bill ( charged at 30 % ). They claim they 've given me this deferred interest information in my monthly e-statements, which I have to log in to the website to see, but in their monthly communication, the bank gives you all of the information one needs in the body of the email ( statement balance and last payment ), so one would never log in to the website to check. 

While I 'm sure they have all of the their legal I 's dotted an T 's crossed and I should have been more diligent, rather than just listening to their " zero interest '' pitch, they are hoodwinking unsuspecting consumers and engaging in predatory lending.
XXXX XXXX, KROSS, LIEBERMAN & STONE said I owe them XXXX and I disputed this claim and said I did not have a contract with XXXX XXXX, KROSS, LIEBERMAN & STONE and THIS company put this on my credit report. I call XXXX, XXXX, XXXX and they told me that these people can report this on my credit report with out having a contract or social security number all they need is my name and they can report what ever.
I have been having issues with Identity theft for some time now and have fraud accounts and inquires show on my Experian report. I have sent in supporting documents as well as police reports and ID THEFT Affadvits in support of this matter. The following is the result of this on going ID THEFT. They please need to be blocked and or removed ASAP Thank You Report Number : XXXX 1.XXXX XXXX XXXX Inquired on XX/XX/2018 2.XXXX XXXX Inquired on XX/XX/2018 3.XXXX XXXX Inquired on XX/XX/2018 4.XXXX XXXX Inquired on XX/XX/2018 5.XXXX XXXX Inquired on XX/XX/2018 6.XXXX XXXX Inquired on XX/XX/2018 7.XXXX XXXX Inquired on XX/XX/2018
I am filing this complaint about PNC Bank for what I believe to be confusing marketing practices aimed at tricking existing PNC Mortgage customers into opening a new PNC Bank account. 

My wife and I have a mortgage through PNC Mortgage. Yesterday we each ( separately ) received letters in the mail suggesting we needed to go online to set up a PIN number. It appeared we needed to do this in order to set up " online banking '' so we could " access ( our ) accounts ''. 

The letter itself came in the type of " snap out '' form that often is used for sending checks, or for sending official notices relating to things such as proxy voting for shareholders. It was not in the type of glossy, colorful envelope that is typically used for marketing purposes. So, as the only relationship I have with PNC is my mortgage, I naturally assumed this was some sort of formal notification or communication relating to my mortgage. 

I began the process of setting up online, because I will need to access my escrow information at tax time ( interest paid, insurance, etc. ). But I grew suspicious when the online " setup '' process began asking for more information than I thought would be necessary for simply setting up online access to my mortgage account. 

So I called customer service, concerned that this may be a form of " phising ''. They told me that they were aware of this letter. It was in fact sent by PNC and was valid. According to them, they wanted to offer their mortgage customers the ability to " access additional banking products and services '' at PNC. In short, they wanted me to set up a new bank account. 

The form letter they sent out did not at all make this clear. It does not clarify that they are sending this to existing mortgage customers and that they are soliciting these customers to set up a new account. 

Instead, it appeared to simply be telling us we needed a PIN in order to " access ( our ) account '' online. On closer examination of the letter, I now see that they use the words " online banking '' but they do NOT use the words " establish a new account '' or " an additional account '' or anything that would clarify to the reader that they are trying to sell us additional accounts, products or services. In addition, to most folks ( at least myself an my wife, both of us have Masters Degrees ) the term " online banking '' when used in the context of PNC Mortgage simply means " online access to the mortgage account ''. 

This seems to me to be an extremely misleading way to trick people into opening accounts that they do not wish to have. 

In light of recent XXXX XXXX actions - where their employees were setting up new accounts without customer knowledge - this letter from PNC seems to be a twist on that same thing, except in this case, they are simply trying to mislead existing mortgage customers into setting up new online bank accounts.
Congratulations on winning the case against XXXX for consumers!! Well done! I signed on with XXXX in XXXX 2013 and noticed late that they are now charging me 23.99 % after 18 month period, though it is no where stated on the contract I obtained from my XXXX. They do n't give you the choice ( or hide it well ) to receive mailed statements. I had no idea of late charges and mysterious {$2.00} charges and now the 23.99 %. Please help!!!
This DEBT was paid to XXXX XXXX and the collections agency is falsely reporting that the debt is late or outstanding.
I have an Easy 5 year mortgage from Capital One 360. I have paid all but just under {$4000.00} on it. I have been making payments online for 5 years, and the loan is due by XXXX XXXX, 2015, as it has a balloon. I went online today, Thursday, XXXX XXXX, 2015, to pay off the loan, but for some reason, Capital One is not allowing me to pay the loan off. They are forcing me to make payments by certified check or wire transfer. Even if I wanted to may the small biweekly payment, which is around {$80.00} bucks, it wo n't allow it. I spoke to XXXX employees, who stated, " The loan has matured, you ca n't make any payments. '' This loan is not even due for over a month, and I have a biweekly payment that ca n't be made because of this nonsense. I have never been late on a payment before, and they are using their power to force me to make expensive payments, when there is no reason why I should not be able to make a payment online. I repeat, this loan is not due until XXXX XXXX, 2015!