WillisBack/dataset-financial-user-claim huggingface dataset:
I called Chase bank on XXXX/XXXX/17. Letting the know that an Payroll ACH that was pending from XXXX XXXX for the amount of XXXX has been sent incorrectly and it will need to be sent back to XXXX. I also went into the XXXX Chase Bank location and asked a bank supervisor for freeze on the account until some the second account holder could come in and we get a new account due to fraudulent charges. They stated it was complete and now i see more charges coming out of the account when i requested a freeze and they stated it was completed. They also stated nothing would go in or come out the account until the freeze was lifted from inside the branch. It has been continuous issues with chase and they are failing to fix them.
On XX/XX/XXXX I sent a Certificate Letter to LexisNexis ( XXXX in order to validate the accuracy of the account which reported by US Bankruptcy Court negative information : US BANKRUPTCY Acc. # XXXX Its been more than 30 days since received my certificate letter to complete the investigation, and as of today I havent received any answer from them. 


On XX/XX/XXXX I proceed to send other Certificated Letter : ( XXXX indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. 


I am filling this complaint because LEXISNEXIS has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts 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, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS.

Please, resolve this matter as soon as possible and thanks for your time and consideration. 
Sincerely, XXXX XXXX
Dear Director Of Operations, I agreed for a Deed In Lieu arrangement and was promised $ XXXX for moving assistance. Now 90 days has passed with-out any update or payment. Still I request for the FTC and CFPB to start a investigation on this firm : XXXX XXXX. I am requesting the payment be sent to me via USPS with a tracking method. Nationally a deed in lieu ends after 90 days. At the moment, I feel they aren't fulfilling their promise to pay. The forms and keys have all been given to XXXX XXXX. I must insist they honor the promise of payment as soon as possible.
Since XX/XX/XXXX I've tried to get a fraudulent collection agency account deleted from my credit report. I was notified that a XXXX XXXX collection action for {$1400.00} was listed on my XXXX credit report. I called XXXX XXXX and was advised that an account was set up and service provided in Florida using my personal information. I informed them that I never lived in Florida so it was a case of stolen identity, I filed a police report and for the past two years have been trying to get the entry off of my credit report with calls to XXXX XXXX and XXXX. I went online and asked to remove all the incorrect addresses from my report. I also noticed that there are three separate entries for the same XXXX XXXX action with three different collection agencies opened on three separate dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has made the process of removing the false information even more difficult. I've provided XXXX and XXXX XXXX with all the information to prove the identity theft but the fraudulent delinquency remains on my credit report. 

I appreciate any help you can provide to clarify this issue.
On XXXX/XXXX/2016 I contacted syndicated office systems in order to resolve an outstanding account. After my identity was verified, the representative was rude and bullish. I requested to be transferred to a manager and i was transferred to a lead person. His name is XXXX XXXX, who was nastier than the first person. He refused to verify any information to prove that the outstanding account was mine. I repeatedly requested that he verify the address on file but he said that he does n't do that, that i had to do so myself. After several uncomfortable minutes, i finally just wanted to get the situation over and just paid the account. I felt bullied and harassed.
Capital One. 
I have been a regular Capital One customer for 12 years. 

I paid my credit card balance in full on XX/XX/XXXX. Even though there was a XXXX balance, Cap One withdrew my regular monthly payment on XX/XX/XXXX. 
On XX/XX/XXXX, I called their office and spoke to a representative who said they could mail a refund check to me 10 business days out. I countered with them to deposit it directly into my checking account for an expedited refund. The representative verified my checking account information and advised it would be processed in 2 business days. 10 days later here we are with no refund. I called today ( XX/XX/XXXX ) and spoke with a supervisor, XXXX. 
XXXX informed me that 1 ) they do not issue refunds via direct deposit and 2 ) there were no notes on my account of my previous discussion on the XXXX. I replayed the conversation for XXXX and requested that if she was unable to deposit the refund directly, as I was told they could, then I would expect a check to be overnighted to me. She advised she was unable to do so. 
When I asked to speak with her manager, she refused. She told me her manager, XXXX, deals with only HR policies and doesnt talk to customers on the phone. 
When I asked to be transferred to a department who has authority to process check requests, she refused. She told me they had no extensions and no ability to transfer. 
When I asked for the direct number to the office where I can speak with someone about this matter, she refused to provide me with one. She said you can find that number on social media. 

I advised XXXX that I, too, work in the finance industry and I know what options are available to bring resolution to an upset customer. XXXX and Capital One were unable to provide me with a resolution. I was told I would receive my refund check on XX/XX/XXXX. 

The Fair Credit Billing Act ( FBCA ) applies to open end credit accounts like credit cards. According to this law, creditors that offer open end credit must promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than one dollar. If you prefer a refund, it must be sent within seven business days after the creditor receives your request. 

Requested on XX/XX/XXXX. Refund expected onXX/XX/XXXX. Well beyond 7 business days ...
I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, Transunion removed the accounts that were not associated with me but hasn't removed the inquiries, XXXX  and XXXX has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.
I was contacted on my personal cell phone by a XXXX XXXX from Revenue Group. I had to ask multiple times who was contacting me. She rudely advised and then stated tried to ask about someone else - XXXX - who may have had the same address as me. I advised that I do not know the person and then she continued to ask for my address. She then rudely said " ok, bye, bye, bye and hung up '' after what she needed my information for. I would like to seek legal council. I am sure my cell phone carrier can pull a record of this call. Very rude and the debt does not belong to me additionally, the individual that they are inquiring about information has also been compromised.
CitiMortgage is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to CitiMortgage, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.
I was contacted by Midlands Credit Management and they continue to claim I owe them a debt. I checked my records and I do not recognize the debt. They say it is from a credit card with XXXX but I never had a credit card with them. I told them over the phone I disputed the charge and then sent me a letter stating they disagree with my dispute. Now they demand I pay over {$4000.00} to them immediately, which of course I do not have. After looking into this company it is difficult to determine if they are a legitimate debt collector. I also receive a number of calls stating they are a company collecting a debt however the messages never state a name of the person they are looking to collect a debt from.
I think it illegal for Select Portfolio Services to " claim / state '' ownership of a debt and report same about that debt while it is and has been in legal proceeding since 2010. The specific being a Quiet Title action taken against XXXX Bank Home Mortgage filed in XXXX XXXX by XXXX XXXX XXXX XXXX. of NY. ( See attached ) This action precludes any possible transfer of " debt '' or " claims of debt '' from XXXX Bank to SPS and thus, makes it impossible for SPS to have any say or standing in the matter. 

there is and has been a QUIET TITLE Action in court with XXXX in XXXX, NY XXXX XXXX XXXX XXXX since 2010 ( decision and Order Number XXXX by Judge XXXX XXXX XXXX ) So how can XXXX transfer something it does not legally own, furthermore, how can SPS claim to have rights? let alone publish such rights without legal standing? 

this is clearly criminal and potentially Identity theft XXXX
Our SUV damaged XXXX/XXXX/15. Ins. XXXX XXXX XXXX subtracted $ from payment because we had " a lien on the car ''. Never any loan for it, never a lien or ever used as collateral, so I contacted Experian to check. Screen came up immediately with all details, including my credit score and reports from all three. Not being aware of the extra charges, I had thought what appeared on the screen was my lawful yearly information. So, I closed the screen. When I accessed my XX/XX/XXXX statement from XXXX XXXX. I saw a charge On XX/XX/XXXX of {$39.00} and another separate charge of {$1.00} ; On XXXX/XXXX/15 further charge of {$21.00}. When I Called to complain, I was told that because I had been given my credit score and all reports from the XXXX credit checkers I had spent {$39.00}. She then carefully asked if I had a {$1.00} which was charged for the yearly report. The {$21.00} was for membership in Experian after a free trial of one month. 

I did not ask for or sign up for membership and did not ask for credit score or all XXXX reports, they were just there. No joy from Experian. I vented my frustration and anger on XXXX and found a wealth of others with the exact complaint. 

This complaint seems to be a common practice and is designed to charge the public a lot of extra money ; even should it be not technically illegal. 

I want justice, I want the practice stopped. People should be told plainly, what they will be charged if they get the credit score number and if they should look at the other companies.
It began when my relatives kept receiving phone calls that I owed to a payday loan company that I never took a loan out on. My relatives gave me the debt collectors contact info, and I returned their phone call. They proceeded to say that they had served me with an affidavit to an address I have never dwelled in, XXXX, and that this was an issue of a loan taking out in XX/XX/XXXX. I checked my bank statement to corroborate their story and I did not receive any fund in the timeframe they are accusing me of. I proceeded to explain this and asked if they could send me a copy of this affidavit, and they proceeded to say they do not bend over backwards for people that did not pay their bills ; than when I preceded to say it was public record, and it should not be that difficult they hung up. About a week later the same company called me this time after my relatives said they would report them. They proceeded to tell me the same song and dance, and I told them it is XX/XX/XXXX the fictitious debt you trying to collect is too old. Than they said you live in this state or this state, and I said neither, than they said where you live, and I said if you have an affidavit for my arrest you should know. Than, I got transferred again I told this individual that I was in the military at the time of this so called payday loan and military members are not allowed to get payday loans, and they said that 's not true, when indeed it is. And I told him if I had a warrant out for my arrest I would not be able to have a job that has a XXXX, which I do. He than proceeded to yell and scream and call me a scumbag that does n't pay my bills, I could n't do anything but laugh because they got caught in their own scheme, and were getting mad at me, then they hung up. I received one more phone call with them stating they have my commanding officer 's information from a base I have not been stationed at for years, and I told them good luck with that, than the hung up on me again.
{$110000.00} from 2009 on. Navient is the company.
I use to have a XXXX Student Loan Account. Every month I would call the XXXX number and make a payment, it would take less than five minutes. In XXXX 2015, some company called American Education Services took hold of my XXXX accounts. On XXXX/XXXX/15 I have tried to make a payment by phone and by computer. When I tried to make an account online, I was consistently getting error messages, saying my social security number was not correct, or name was incorrect. I was on the phone for 20 plus minutes and transferred by XXXX different people. each person who could n't help me. I also tried making a phone payment and their automated system would n't recognize any entry that I tried to input. I never agreed to have any loans serviced by this company as my original loan note was from XXXX. This is a breach of contract and I refuse to do business with this AES company ; especially when they ca n't get any information correct.
Midland Credit Management and I agreed to pay {$760.00} for a XXXX XXXX debt. 

Midland prints checks to present to my bank for the payment. 

My bank notified Midland that their check was not being printed correctly. After XXXX payments and no response or change from Midland, my bank refused to accept their check. 

I contacted Midland and they reinstated the payment plan and corrected their check account number. Midland did not inform me that they were no longer agreeing to the original agreed upon debt amount. After making the final payment, Midland wants to collect {$480.00} more in debt payments.
ASC is reporting on my credit as a foreclosure with multiple lates. I have never had an account with this company, nor do I know who they are. I never signed any documentation with ASC. The only mortgage I ever had was with Wells Fargo, which is reporting on my credit. I have never had any other Mortgages other than Wells Fargo.
Hello, Back in XXXX of 2016 I attempted a Mortgage Refianance .The company I delt with locked in a low rate and documented this. There were a few issues the company was awhere of scince day XXXX. The rate was changed twice, the last change was a few hours before signing stateing issues they knew about from day XXXX, rate went from XXXX to XXXX +. Is this leagle when they locked the rate in? And had me sign loan disclosure docks? I of course did not sign after this, but the time waisted costed me a decent interest rate.
I was going to attend   XXXX   XXXX   College in   XXXX   XXXX   Sc that was between  XXXX  and  XXXX  not exactly sure. The advisor i had was  XXXX  ca n't remember last name. But after finding out the school was n't accredited I decided not to attend. Yet I 'm assuming   XXXX   XXXX   was still billed. I never attended classes but yet I was sent a bill to pay   XXXX   XXXX  . I contacted   XXXX   XXXX   to make them aware of this. At which time I was told it was showing I attended the school for months and that I should pay and if it found that I did n't attend I would be refunded. ( I paid about {$300.00} towards the loan ) I again assured her this not to be true. I then went to the school and got a letter on the school letter head confirming I did n't attend classes or got materials from the school. I was told it would be looked into and I would receive a follow up and if found I did n't attend the school id receive a full refund. I never heard from them again. And only got a load of run around afterwards.
I was a victim of identity theft and noticed a collection from WAKEFIELD & ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against WAKEFIELD & ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
1. Applied and was granted " Care Credit '' card thru GE Capital Retail Bank in XXXX XXXX. Contract was for {$500.00} credit limit, with 6 month interest free promotion, no specific amount. 
2. Timely payments made. Promotional balances paid prior to promotional expiration date. 
3. XXXX XXXX received email advising bank name changed from GE Capital Retail Bank to Synchrony Bank. Email states " GE Capital Retail Bank XXXX " GECRB '' XXXX -- the issuer of your CARECREDIT Account -- is now Synchrony Bank. Do n't worry, most things remain the same. What is changing are the email addresses for XXXX ''. 
4. Never did they advise that the purchase amount needed to be over {$200.00} to be eligible for the interest free promotion. I called complained, they refused to go by the original contract and charged interest. I continued to make timely payments and pay the interest even though it should have been interest free. 
5. I called in XXXX XXXX to see what the promotional amount/details were and was advised the 6 month interest free promotion was for charges over {$200.00}. 
6. XXXX/XXXX/XXXX I incurred a {$370.00} charge at the XXXX XXXX Vets, and was advised that my Care Credit card had been denied. 
7. I contacted Care Credit and spoke with XXXX who advised the account had been closed as " high risk ''. When question XXXX became firm and raised his voice. I requested a supervisor. 
8. I spoke with a supervisor XXXX who was worse than XXXX when it came to aggressiveness and raising her voice. She stated I was lying as the promotional value was always {$300.00}, never {$200.00} and certainly was never any amount charged. She refused to view my history to prove she was incorrect. She also refused to reinstate the card, advising they had done a " Credit check '' on me and decided to close the account as " High risk ''. She told me they could do a credit check any time they wanted and close the account whether it was in good standing or not!! I then disconnected my call with XXXX as she was absolutely worthless in the customer service dept. She also advised they sent a letter stating it was closed, which they did not. Nor did they state it was closed in XXXX XXXX when I contacted them regarding the promotional details. 
9. I currently owe the vet for the {$370.00} charge, and feel that Care Credit should reinstate the card as they never advised it was closed, not should it have been closed. THE SIMPLY CLOSED IT AS THEY WERE NOT MAKING ANY INTEREST OFF FROM IT. THIS IS NOTHING BUT FRAUD. Care Credit/Synchrony bank has violated the contract. 
10. Remedial Action : I want the credit card back with the exact same promotion as promised, received initially and as the contract stated, at which time I will again make timely payments. OR : I want Care/Credit to pay XXXX XXXX Vet for the {$370.00} that is due, and they can keep the account closed. 
Thank you for your time.
I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX  IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.
I currently have a mortgage that is serviced by  LoanCare LLC ( LC ). They have been servicing my loan for just over 1 year. Since the beginning of the contract, I have always had my monthly payments set up as an auto withdraw from   my bank account on the  XXXX  of every month, as contracted with LC. I have also checked each month to make sure these payments have been made. My   XXXX   XXXX   payment was confirmed via email by LC as being received by them on   XXXX   XXXX   XXXX  . In  XXXX , I noticed that I was charged a late fee for the   XXXX   payment, which then triggered a delinquent mark on my credit report. I had another late fee charged the following month due to an error made when LC tried to remove the  1st one , but instead added a second fee. Both late fees were removed on   XXXX   XXXX   XXXX  . Each time  I  email  LC , they respond with the same automated message. ( see attached ) I first contacted LC on   XXXX   XXXX   XXXX  . I was told that LC will make an inquiry on my behalf and email me a confirmation ticket number for this inquiry. That ticket number never came. I made a follow up call and sent an email in  XXXX  and was told the same thing again, with no ticket number following. On   XXXX   XXXX   XXXX  , I again emailed and called LC and the customer service agent put in the actual inquiry at that time for me because the ticket number never came. In the process of refinancing my home in  XXXX , I was told that the delinquent mark was still showing on my credit report and I was denied loan approval. On   XXXX   XXXX   XXXX  , I emailed LC again requesting the delinquent credit mark be removed. There was no response from LC. After being denied again with another mortgage lender, this lender and I called LC again on   XXXX   XXXX   XXXX   to check the status. We were told that  LC had not received any emails that I previously sent. I asked to talk to a supervisor and when that person came on the line, I was told they would send my request personally " to the appropriate department ''. The matter is still not fixed as of today 's date.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XXXX 2013 Account numbers : XXXX ; XXXX :
I am a victim of fraud someone has been using my ss number that have recently did XXXX credit inquiry and used my debit card gained access to my info since 2011.
XXXX XXXX XXXX settled a 5 year old debt with my attorney on XX/XX/XXXX for  {$990.00}. I paid the full amount on XX/XX/XXXX which was within the terms of the settlement offer proposed by this debt collection agency. They then proceeded to garnish my bank account on XX/XX/XXXX for {$1600.00} and there was a fee of {$150.00} from the bank for this garnishment. Between my attorney and myself, we have attempted to contact XXXX XXXX on 6 occasions since I received the letter from my bank. The payment of {$990.00} and the garnishment of {$1600.00} has left me with only {$42.00} in my bank account.