WillisBack/dataset-financial-user-claim huggingface dataset:
World Omni financial Corp transferred my XXXX XXXX account to recovery in XXXX. As a CHARGE OFF. But on XX/XX/XXXX updating account 4 years later on XX/XX/XXXX as date reported. This is inaccurate reporting. Should have been as originally reported in XXXX. I need the company to remove the XX/XX/XXXX as the date reported since it was in XXXX it was reported
I deposited a credit card check, drawn on XXXX XXXX XXXX, on XXXX XXXX, 2016, for the amount of {$1000.00}. My bank, Wells Fargo, made {$1000.00} available to me. Then, the next day, the check was returned. Because Wells made the funds available to me, I spent approximately {$400.00}. Wellsfargo took the funds back, and now I have a negative balance. I 'm homeless. Wells Fargo is not able to help me. Some agent and or principle of the bank needs to credit my account so that I can buy food, clothing, and shelter. Thank you.
I found a deal with chase for a new savings account. I had to open, deposit {$15000.00} and keep it for 90 days. once the 90 days are up I would receive {$220.00}. that didnt happen, and now Chase is saying that I never applied the coupon code, which I did. they want me to find that coupon code but it was an online link which I can not retrieve.
I was put on a modification payment XX/XX/XXXX and made the required downpayment and when I went to make my XX/XX/XXXX paymen ton XX/XX/XXXX. ocwen would not take my payment online and I called and was told a relationship manager would call me on XX/XX/XXXX at XXXX. no one called. I called again and was told the next available date for a call back is XX/XX/XXXX and I asked for an earlier appointment as I wanted to make sure I paid XX/XX/XXXX mortgage per the repayment plan. I received a call XX/XX/XXXX and explained this again and and I was put on another repayment plan to take effect XX/XX/XXXX with a payment of {$4900.00} and 5 payments of to get back to current payment of {$3500.00}. I schedule another call back for XX/XX/XXXXto make sure payment was taken out of the account on XX/XX/XXXX. I am told today that was denied. each time this lender keeps giving info to me and I comply and then they change their mind and causes more fees and time. I never received any mailed documents as it was to be sent via email as requested. now they cant take the payment because its over 90 days. and the relationship manager refuses to transfer me to US rep., I have waited over 1 hour to speak to a manager in their XXXX office andXXXX keeps calling to transfer me and I cant keep holding
I pulled my credit report recently and noticed a collections account from XXXX that Debt Recovery Solutions is handling for {$220.00} opened XX/XX/XXXX. I dont remember having service with XXXX in XX/XX/XXXX.
I do remember having service in XX/XX/XXXX for a brief time. When we had the XXXX XXXX service in XX/XX/XXXX, our home flooded and the electrical caught on fire. We had to move into a place with a friend while we found a home for ourselves. We lost almost everything in the flood and the fire did a lot of damage to our home. I had to be hospitalized for a short period of time due to complications with my existing condition as a result of the XXXX I had. When I came out of the hospital, going through the process of calling Insurance, gas, electric, and so forth, I called XXXX XXXX and canceled services and specifically advised that I was going through this XXXX XXXX  because of almost losing everything in our house. I remember having to call several times because I kept receiving a bill for services that I did not have. Every time I called, I was advised that the services were no longer connected and one agent, for whom I do not have information for, advised me that I didnt owe anything and that they would send me boxes for the equipment. The boxes never came and if my memory serves me right, I even filed a complaint because I could not get you all to send me the boxes.
After I sent the equipment back, I called to confirm the receipt of the equipment and was told that you had received it and that I did not owe a balance on the account. After that, I never heard from anyone until I pulled my credit report and saw this. This is unfair. You charged me for services that we did not have or could not use because of the flood and fire. This is taking advantage of customers during a rough time to make an extra buck. Now you have added it to my credit report which is going to prevent me from continuing to get back on my feet. The sad part is, my husband and I still get solicitation from you for XXXX.
I want the collections removed as I tried to cancel the services but it seems that XXXX took advantage of me and kept charging me. I was also told that I did not owe anything by your agent. The fact that I told you all what we were going through, seems that that gave more leverage to XXXX to take advantage of the situation especially because of my XXXX/medical condition. It also feels like bait and switch where I was told my services were canceled and that I dont owe anything but now you all are changing it on me and slapping me with a collections account. I want this removed ; its {$220.00}! Not, $ XXXX! I am also notifying the FCC, my State Attorney General, CFPB, State Corporation Commission and other agencies to show how XXXX, and Debt Recovery Solutions, takes advantage of people when they are dealing with a hard situation, when people are the most vulnerable.
I was charged {$1900.00} for XXXX theater tickets by XXXX. I wanted to look for the prices for XXXX tickets to see XXXX, XXXX XXXX show on XXXX XXXX, 2016. I emailed XXXX and was taken to XXXX site. I saw XXXX tickets in the XXXX but the cost was written within a range. I wanted specific information. In order to find out the price of the tickets I had to enter my e-mail, name and address and credit card information. When I saw the tickets would cost over {$700.00} I quickly left the site without clicking the purchase button. To my surprise I received an e-mail from XXXX thanking me for ordering XXXX tickets. No cost was listed in the e-mail. I immediately tried to call XXXX but their phone was not answered so I e-mailed them about correcting their mistake. I finally spoke to XXXX representatives who said all sales are final and to sell the tickets on XXXX or XXXX List. Since I did not buy any tickets I could not sell any. I went to my Chase Bank online account and found I had been charged {$1900.00} for XXXX tickets. I called Chase Bank Cardmember Services and disputed the charge. They gave me a temporary credit on XXXX XXXX, 2016. I heard nothing more until XX/XX/2016 when I received a call from Chase Bank saying they were charging my card again for {$1900.00} due to information received from XXXX. They said I purchased the tickets and Chase believed their statement. I do not want this to happen to anyone else which is why I am fighting this illegal charge. I would appreciate any help you can give me. Thank you.
I mailed a request regarding Fair Credit Reporting Act ( FCRA ) 609 ( A ) ( 1 ) ( a ) to Experian credit reporting agency and received absolutely no response at all from Experian in regards to my requests.

Under FCRA 609 ( a ) ( 1 ) ( A ) I am entitled to the right to demand to see verifiable proof ( an original contract with my signature on it ) that credit bureaus have on file of the listed account below : Bankruptcy - # XXXX Despite my written request, the unverified item listed above remains on my credit report without any response to my FCRA 609 ( A ) ( 1 ) ( a ) request which provides Experian is required by Federal Law to provide through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. Otherewise anyone paying for reporting services to a credit reporting agency could fax, mail or email in a fraudulent account.

Below I have listed the details regarding the request mailed certified mail return receipt requested.

1 ) Mailed XX/XX/XXXX and the letter was received XX/XX/XXXX by a XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Lender never sent me a lien release letter as required under Missouri law after the loan was paid off under bankruptcy discharge and payment plan completion. I am trying to trade in the vehicle and requested a lien release letter which lender stated they mailed by US Mail on XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span>. As of XXXX, the lien release letter has not been received. I called and tried to verify the address it was sent to ( which was correct ) and to request an overnighted replacement lien release letter on XXXX. Lender stated they would not replace the lien release and would not overnight. They however have no tracking information to support the claim they have mailed the document. I gave the lender 48 hours to overnight a replacement and they refused. I was referred to a manager who never returned my call to follow up. I need this document to sell a vehicle I no longer need. There has been every opportunity given them to deliver but they did not send a lien release.
I applied for loan with loan depot with XXXX XXXX XX/XX/XXXX Through out this whole Process when they say they will call back they never does. Very poor customer service! We was pre approved for loan on XX/XX/XXXX. Found a house went under contract we was supposed to close XX/XX/XXXX. Received disclosure XX/XX/XXXX signed and submitted back to loan office an we were under the impression that we would close on XX/XX/XXXX but definitely XX/XX/XXXX at XXXX XXXX. XXXX XXXX XXXX informed me that loan officeer who I had been dealing with quit, that was very unprofessional you never supposed to let a client/customer know that an employee has quit. I received a call from XXXX XXXX XXXX XX/XX/XXXX at XXXX requesting more documents that I was not able to come up within 2 hrs. Information she asked for at XXXX XXXX had never been asked for through the whole entire process. We wired {$8800.00} to the attorney. We paid XXXX earnest money we paid XXXX for appliances and also {$470.00} for apprasail. We were under the impression we were closing XX/XX/XXXX. Apartment that I was living in we moved out because we were supposed to close on XX/XX/XXXX so now I am homeless due to loan depot dropping the ball. I also feel that the reason the loan was denied at the end due to me being XXXX XXXX. My license was sent at the end of the process. So I feel at the being it was approved bc they did not no my nationality This has been very emotional distressed, I feel like giving up on life due to this. I feel betrayed. This has took a toll on my entire family. This has brought on illness XXXX and XXXX.
Credit Card Ending in XXXX XXXX Office of the President XXXX XXXX XXXX, North Dakota, XXXX Dear Sir or Madam : I am writing to dispute fraudulent credit charges on my account on the date of XX/XX/2017 and XX/XX/2017. The amount is inaccurate because I did not authorize or make any of the credit card A.T.M. withdrawals on XX/XX/2017 and XX/XX/2017. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Of greatest concern are the following issues : 1. I received four letters declining my fraud report before I received a letter asking for a written statement. 
2. The credit card representative and fraud department could not explain the reasons for declination. One representative was confused over the acronyms used and could not explain what was happening with my account. Promises of return phone calls by XXXX did not happen. 
3. Three months went by before a fraud representative communicated that my actual debit card was used ( which is impossible since it was always in my possession in California ). Instead of investigating the situation, XXXX decided to instead decline the fraud and place the burden of proof on the consumer. 
Enclosed are copies of the fraudulent charges, information I used my debit card in XXXX XXXX on XX/XX/2017, letter my supervisor stating I was in XXXX XXXX California at work for the entire work day on XX/XX/2017 and XX/XX/2017, and a calendar of events supporting my position..
Recently i deposited my employer 's pay check through mobile online banking application to my Bank of America checking account on XXXX, but the bank put it in hold my available funds until XXXX at XXXX. My employer use XXXX for his pay checks. I have had my BoA account for 10 months without any overdraft
I have a checking account with TCF Bank. On Monday XXXX XXXX, the balance in the account was {$51.00}, purchases were made at XXXX XXXX for {$12.00}, XXXX XXXX for {$11.00}, XXXX XXXX for {$3.00}, and ( local grocer ) for {$7.00}. I checked my balance online the morning of Tuesday, XXXX XXXX, and saw that the XXXX transactions had posted to his account and funds had been withdrawn, and the remaining balance was {$16.00}, then he went to ( local grocer ) and purchased some groceries for a total of {$32.00}. I realized that this transaction was going to cause an overdraft ( for which he has protection ) and he decided to make the purchase anyway, knowing he would be assessed an overdraft fee of {$37.00}. When payday came on XXXX XXXX, he got online in the evening to check the deposit and found that the balance was much less than he had calculated. TCF had charged him a total of XXXX overdraft fees at {$37.00} each, XXXX of which were assessed on XXXX XXXX and a fourth fee was assessed on XXXX XXXX. We ( my wifeand I ) called the bank this morning ( Saturday, XXXX XXXX ) to notify them of the discrepancy. XXXX customer service reps and XXXX Lead Customer service Reps explained to us that the fees were assessed on the previous XXXX transactions because they were not actually posted, but pending, on XX/XX/XXXX and the bank posted them on XX/XX/XXXX along with the XXXX transaction. They blamed this on the merchants stating that TCF can not control when the merchant will make the demand for payment. TCF is using this process of " pending '' transactions to assess more fees to the customer, and then blaming the merchants when there is a complaint. We plan to close our account with TCF as soon as the payroll deposit cam be changed, but other customers need to be aware of this fraudulent practice, and merchants need to be made aware that TCF is blaming them. If TCF were the only bank we do business with, we would fall for this scam, however, we also bank with a local small-town bank and a bank much larger than TCF and we know that this practice is not " an industry standard '' as TCF representatives claim it to be. In the end, the TCF lead rep agreed to take off {$15.00} and then agreed to remove XXXX of the XXXX overdraft fees. To avoid this happening in the future, they offered that we could apply for a line of credit or open another savings account and link them, that way we would only be charged {$10.00} for each transaction. They still owe us {$74.00} which we seem to have no recourse for but to take them to court which would cost us more. This is criminal and they are getting away with it.
They will not quit calling my wife and I as well as my employer by phone, but we have yet to receive anything in the mail from this company. How do I know it is legitimate without that information?
A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as Colony Brands , Inc . These 2 entities are XXXX XXXX and XXXX XXXX XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.
on XX/XX/2018, I received a notice of assignment from a company called resurgent capital claiming i owed money to them from a debt from XXXX XXXX. I responded with a letter on the same day via return reciept certified mail. I requested they provide proof of this supposed debt, and also stating that i was disputing this debt. They responded on XX/XX/XXXX with a letter dated XX/XX/XXXX, stating i had to inform them in writing ( which i already had ) that i dispute this account. I responded that day with another letter stating i had already in fact disputed this supposed debt and that by sending me another request for me to put something in writing, they had violated florida debt collection practices, two days later they sent me a generic statment of account from there own computer system, attempting to pass this off as proof of this debt. I responded this morning, andd informed them that since they are unable to provide proof they are to cease and desist immediatly from contacting me or attempting to collect on this supposed debt. theey have violated the FDCPA by calling my husband on his cell phon regarding this debt and have failed to provide any proof of this supposed debt.
To whom it may concern, I have been trying to fix my credit from past mistakes I made in order to buy a home in the future. When checking my credit report with Experian and XXXX I noticed a lot of unauthorized hard inquiries on my report. I called Experian and XXXX several times and also disputed those negative items and they have not been removed. On my Experian report the only items that shall remain that I authorized are from XXXX, XXXX and XXXX Credit Card. There are some from XXXX that should of fell off in XX/XX/2017.
I am a Victim of Identity Theft. For months now, I have been trying to repair the damage that my Credit Worthiness has sustained as a result of this violation of my Financial privacy. I 'm at my wick 's end trying to resolve this matter. Some assistance and direction would be greatly appreciated. Thanks.
Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised XXXX, XXXX, and Equifax and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if possible.
On XX/XX/2015, I filed an dispute with Experian and advised Experian that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Experian that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Experian my mailing address is XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian. Subsequently, I filed a second dispute with Experian on XX/XX/2015, and advised Experian that they never responded to my dispute dated XX/XX/2015, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Experian that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian.
For 3 years I have made payments late to Discover Student Loans occasionally but never more than 30 days late. They repeatedly call after being 3 days late 5 times a day starting at XXXX and ending at XXXX. It is harassment and I wish I could afford to pay on time but think this is unfair treatment. Please help me if you can. Thanks
I recently got a Citi AAdvantage XXXX XXXX card and required a replacement card at the end of my first month. A fraud hold was placed on my account, and when I called Citi said they were unable to verify my identity with the phone number I provided upon my card application. I visited a Citibank branch to try and verify my account in-person, but to no avail. Finally, the branch manager was able to help get a supervisor on the phone and the fraud alert was lifted because the supervisor decided they could use my phone number as verification after all. 

However, another fraud alert was put on my account once the replacement card arrived. This time, I asked for a supervisor, who insisted that Citi could not verify me with my own phone number this time. The supervisor 's ID code was XXXX. Instead, she asked me for a family member 's phone number. I provided my mom 's phone number, and Citi was able to send her a voicemail with verification instructions. 

This is absolutely unacceptable because I am the individual cardholder and my account has no relation to my mom. It is a serious privacy concern to me that anyone could call Citi if they were friends with one of my family members and provide a family member 's phone number for card verification -- especially ironic when I myself can not verify my own account alone. I am very concerned about Citi 's ability to maintain cardholder security, and have found that the fraud department 's verification process to be extremely problematic. Allowing family to verify my account poses a great risk for fraud. Only the cardholder should be able to verify his or her account, and the cardholder should not be put through such a hassle either.