WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I called Bank of America regarding a debit to my account of {$200.00} from XXXX XXXX Card Services. I asked if the item would be returned before my direct deposit cleared on XX/XX/XXXX. The representative told me I would be charged a fee but it would not be returned. It was returned. I was charged not an overdraft fee, but a fee of {$35.00} for a returned item. What I have requested is that they not take my word for it, but review the recorded conversation between myself and the rep and supply me in writing that it was her error and not mine so I can forward it to my credit card company. I had XXXX choices, I could have deposited the {$200.00} or declined the extended credit limit from XXXX. One of the supervisors I talked to hung up on me ( although she noted " disconnected '' ). I was on a landline. We were not disconnected and she did not try to call me back. The next supervisor/manager I talked to continuously talked over me, repeating the same thing as if I were illiterate instead of listening to me and answering what I was asking her.
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX XXXX XXXX, XXXX, 2. XXXX XXXX XXXX, XXXX, I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Our mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage. We had started a home modification with XXXX XXXX XXXX and, in XXXX when the transfer took place, we were two months behind on the mortgage but all that was left was to be approved by the underwriter. 
A month later, we've had no contact from Carrington Mortgage except for them to request the same information we'd already submitted to XXXX XXXX XXXX. We finally get that fiasco straightened out and they set up the modification for our home loan. We were told that we'd make a payment in XXXX, XXXX and XXXX and be able to skip the XXXX payment and start again in XXXX. 
We dutifully make our payments and, suddenly, now we're being told that we have to continue making payments until the modification is approved by the underwriters. This is on top of our credit report now showing we're 90-120 days behind on our mortgage which has impacted our daughter 's ability to obtain financial aid for college this year. 
To make the situation even better, after making our required three monthly payments, in today 's mail we received a notice of Intent to Foreclose. I understood that any foreclosure action was put on hold while the modification process was ongoing. Apparently, Carrington Mortgage 's vision and mission statement involves lying to their customers. We were told multiple times that we would be able to miss the XXXX payment, only to be told that we need to continue making payments until the underwriter approves the modification. We started out being two months behind on our mortgage only to end up with our credit report showing we're 90-120 past due because Carrington and XXXX  XXXX XXXX couldn't communicate which not only impacted us, but also our daughter 's college aid. We were told foreclosure actions would be on hold while the modification was going only to receive an Intent to Foreclose. 
Absolutely nothing we've been told by Carrington Mortgage has happened the way they assured us it would. This modification was almost finished with XXXX XXXX XXXX in XXXX and it's XXXX and we're still trying to get this completed.
I am requesting documents concerning this collection account. Please provide all copies of documents you hold on file concerning this account according to the FCRA 15 U.S.C 1681. I would like copies of all statements and accounting documents concerning this account. 
Please also provide documents that show that Portfolio Recovery Associates owns the rights to service the debt they have sent to me.
XXXX   XXXX  , 2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX , NC   XXXX   Interstate Credit Collections   XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  Re : Acct #   XXXX   To Whom It May Concern : This letter is regarding account #  XXXX , which you claim I owe {$750.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I sent this same letter on   XXXX   XXXX  , 2017 certified with return signature, with no response
Welcome bonus was XXXX % APR for first XXXX months. AMEX did not put that offer on my account
I receive cold calls from debt collections needing for me to pay for a loan im unaware of what it is and they will not give me any other information as to who is needing the money. I informed them I only have to  XXXX  types of loans and that is a federal and a private. They explain the loan that I have is neither regarding my educational loan and unbeknownst to me is absurd. Now my wages are being garnished by a collection agency who can sent a doc in regards to the loan terms in which I had explain I received when I was attending  XXXX  College. It is currently being handled by  XXXX . I constantly monitor all my loan payments one which is through  XXXX  and the other is through the FED. It is a scam how I cant see who the creditor and the requesting entity needing their payment. I need help asap
I opened a checking & saving account on XX/XX/2018 and funded my account with $ XXXX on XX/XX/2018 so that I will receive {$400.00} cash bonus as their promotion stated. By end of XXXX, I haven't received my credit. I have tried calling and visiting branch, and they have changed the date that I would receive my credit. They initially promised that i would get it in mid XXXX, then early XXXX and then End XXXX, as time went by. The last time I went to the branch on XX/XX/XXXX, I was told I will get it in end of XXXX On the fine print, it clearly states the cash bonus will be credited to the new checking account within 90 days from the date i complete all offer requirement. I completed the requirement on XX/XX/XXXX and I should receive by XX/XX/XXXX. Today is XX/XX/XXXX and I haven't heard back from them after submitting a complaint nor receiving the cash bonus. 

Attached is the my bank statement showing that i have funded $ XXXX, their promotion material, fine print and new account opening doc.
I applied for a Discover card a few days ago online at : https : //www.discovercard.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I did this for the 0 % financing on balance transfer for 18 months.

I liked this offer and applied. I was accepted and a screen popped up saying I was approved for 0 % financing up to 18 months for up to {$7500.00} on balance transfers.

Now I go look at the account online and Discover changed the terms to 10.99 % financing for 14 months with 3 % transfer charge.

I received the account and have good credit at XXXX, but no reason given for the 'bate and switch ' of promotions.

I have chatted with their representatives online, and they refuse to honor the agreement, and can give no explanation why.
This company continues to harass me and leave me threatening voicemails over a loan that was previously taken out with " XXXX XXXX. '' I have advised Synergetic Communications (  the debt collector in this case ) that I received a letter from the STATE OF FLORIDA that XXXX, XXXX D/B/A XXXX XXXX, is unlicensed in this State and I do not have to pay back the loan as it was illegal to be issued to me at all, which I was not made aware of prior to taking the loan. 

Furthermore, they have not only called me, they are starting to harass my friends. I received a voicemail from a close friend, who is currently serving  in the XXXX XXXX XXXX in XXXX, XXXX. He advised you called and left him a threatening voicemail as well. I have advised them this is an illegal loan and i will not be paying it back, but the calls continue. 

The amount originally taken was {$600.00}. I made three payments of {$140.00} before I received the letter from the state, at which point i disputed the previous payments with my bank ( who also sent me a letter that the dispute was valid and closed ) and received my money back. 

YOU ARE TO STOP CALLING ANY PARTY INVOLVED IN THIS MATTER. YOU MAY ONLY COMMUNICATE TO MYSELF IN WRITING. IF FURTHER CALLS CONTINUE, I WILL FILE A LEGITIMATE LAWSUIT FOR UNFAIR DEBT COLLECTION PRACTICES. 

THANK YOU, XXXX XXXX
An unknown address has been filed under army TransUnion credit report. I believe it is a fraudulent address because the same address was used on my FedLoan account within the last 3 months.
In XX/XX/XXXX I fell 2 months behind on my payment FHA loan to Wells Fargo. 
I applied online for the HAMP modification and began correspondence with a representative XXXX I have every thing ever promised in writing. 
He advised I cease correspondence with WF and sign a retainer with them at which point they would become the " representative ''. 
I would pay them a fee once their Underwriter approved it HAMP eligible. 
It took almost 3 months before my trial priod / retainer costs began at XXXX each payment. Of which i paid on time as agreed. 
Once that retainer period ended I received notification in an informal email telling me what i had been approved for by the lender being Wells Fargo and my new rate and terms. 
My initial rate was 3.875 % 30 year fixed They increased my rate to 4.25 or higher My payment which was XXXX and change then lowered to XXXX I was to make my first new trial payment to WF on XX/XX/XXXX of which i did. 
I then receive my bill for XX/XX/XXXX which states my XX/XX/XXXX payment was received but " unapplied '' It also stated that i was XXXX deliquent and my escrow now had a shortage due to non payment leaving my true new payment just under XXXX The paperwork was extremely demanding whereas online HAMP was supposed to be streamlined and fast. 
No one replies to me with written proof of the calculations used to determine the findings or result of such initial trial to Wells Fargo. 
Simply, if you do not sign with in 24 hours this offer will be null and void. 
I am seeking a class action law suit for borrowers who have attempted the HAMP loan and were not exactly helped but damaged tremendously from such actions. 
Because of the late payments now reporting on both my credit and my poor mother who helped me co sign ( since I was divorced ) they demanded i not pay I am now unable to apply for credit. 
Now, only to be left with a XXXX back payment on my note An Escrow Shortage A possibility of losing 50 % custody of my children if I have no home to provide. 

Regards, XXXX XXXX
I bought a computer at Best Buy and they offered a 1 year access plan to use XXXX XXXX for {$30.00}. They did NOT mention that I had to download the software, or I would not have bought it. 
When I realised I had to download the software, because the versions of XXXX XXXX already on the system did n't work with the key, I attempted to download, but the download failed. 
I notified the card ( Best Buy Visa ) and filed a dispute, advising that I had not been told I 'd have to download the software ( or would not have bought it - everything you download slows your system and I just got a new system because my old one was too slow!! ). 
Best Buy called and left a message offering to help me install. By that point, I did not want to install, just wanted credit for the unused/unusable software. 
Best Buy Visa has informed me via letter, and again when I phoned, that they only " exchange '' the software if it 's damaged. 
That is an invalid claim, as the software is n't the issue. It 's the fact that I was NOT informed I had to download it, and now do n't have the use of, nor the desire for, the software I paid {$30.00} for.
In XX/XX/2018, my husband and I submitted the final pay off balance on our auto loan during business hours online on the exact same day late charges and additional interest fees WOULD HAVE BEEN CHARGED had the payment NOT been credited by midnight the same day. Our payment posted and was credited to the account the same day BEFORE midnight. The late charge and additional interest was also adjusted. 

Our issue is the company website forced us to submit a final payment that included the additional charges, but when our payment was submitted timely ( and charges adjusted ), it never refunded the additional money it collected back to us. 

We contacted the company in early XXXX to find out when we should expect the refund, and the company denied owing us anything. After further conversation, we were transferred to another department that indicated that a claim would be initiated, we would be assigned a representative ( who was suppose to contact us within 48 hours ),  and the account would be audited. It is now almost XXXX and we have heard from no one as of yet. So much for 48 hours.
My mortgage statement dated XX/XX/XXXX, in the transaction history, has 2 amounts paid in the amount of XXXX each. One amount was applied on XX/XX/XXXX as the XXXX payment, the other amount applied on XX/XX/XXXX to the principal balance. 

This is the second time I've sent conforming payment, after making the scheduled monthly payment where the amount is applied as a curtailment to the loan balance instead of a contractual monthly payment to advance the next payment due date on the loan. 

I called on XX/XX/XXXX and talked to XXXX in the customer service who placed me on hold presumably to send a task to have the payment application corrected. When I asked XXXX about what I could do on my end to prevent future errors of this nature ; he says nothing can be done, the system is automated and decides where the money will be applied. This is unacceptable given the fact the amount I sent was a CONFORMING PAYMENT AMOUNT and should have been identified as such and applied as the XX/XX/XXXX payment. 

The correction to my transaction history should reflect that XX/XX/XXXX payment was applied on XX/XX/XXXX and the account is next due for the XX/XX/XXXX payment. 

It's unacceptable that I send a the exact payment amount and it's not applied as a monthly payment. 

I do not want an apology - I would like the issue fixed correctly on my mortgage loan.
Company called advanced capital solutions says i owe them and has said they would take me to court and have me arrest. But they still wont provide me in writing any validation. This has been going on for years now. It has started back up.
On XX/XX/18, I contacted Citicards to stop an automatic recurring charge for a monthly lawn service. I cancelled my lawn service but can not rely that they will follow-through and cancel the recurring charge. I should have control over my credit card account to stop any recurring charge. I was told by XXXX on Team 13 that Citi 's policy is that an individual recurring charge can not be cancelled for the protection of the merchant and that I can dispute future charges if the merchant does not stop the recurring charges. I was also told I could stop all recurring charges, just not individual ones. I am surprised that I do not have the authority to stop recurring charges. The dispute resolution process is not a viable solution - what if the lawn service never cancels the recurring charge? Must I dispute the charge every single month?
This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not XXXX XXXX compliant which is causing me serious XXXX in my life. I would like for this company to bring my account to current status for each month they have reported me late.
The following credit card company has closed my account for some unverifiable reason : Barclaycard For general correspondence : Card Services XXXX XXXX XXXX, DE XXXX Customer service XXXX I have contacted them a few times and they have failed to respond back to me. I have also requested to be communicated via mail because that is one of my rights, they have also failed to communicate via mail and they are still calling me. 

I 'm requesting a full investigation on this issue because this is damaging my credit.
1. I have been trying to apply for a credit card XXXX XXXX XXXX, At the moment I applied for the first time they told me that the credit report companies are sending a credit report with my name and a SSN however this SSN that appears in the report is the number of my old passport. At the moment that I try to contact the credit report companies they are not able to pull up my credit report because I dont have a SSN. I have lived in three different adresses and need to know what adress to give for them to be able to check my score which is of XXXX. Can you please help me to solve this. The dates I applied for the card was XX/XX/XXXX in  which I applied ONLINE and I messed up and wrote my passport number in the SSN box. In XX/XX/XXXX I was told to reapply and since my adress was  attached to the old application, it appears as If I applied with the same social security but this time XX/XX/XXXX, I applied thru the phone and clearly states that I do not have a social security number. Please help me.
equifax has my credit report all wrong and is refusing to fix it. Listed in the potentially negative is XXXX accounts that were never paid late. The credit report actually shows paid as agreed but yet they have it listed in potentially negative part of my report. These accounts should be listed in the satisfactory part of my report. Having this incorrect information reporting like this affecting my credit score which in turn is making it difficult for me to obtain credit.
I have paid off my XXXX XXXX 's consumer loan accounts and XXXX XXXX as of XXXX/XXXX/2015. It 's been over 5 months and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.
Hello, On XX/XX/XXXX I sent XXXX BTC ( A little over {$2000.00} value at the time/ $ XXXX+ today ) from my XXXX wallet to my Coinbase account. I noticed the transaction had gotten many confirmations so after a few hours I noticed that this money did n't show up in my Coinbase account so I got a little paranoid. 

I then emailed Coinbase on XX/XX/XXXX and they sent me back a scripted email back with some links to try and follow to track down my money. I told them that the links did n't satisfy what I was trying to accomplish and I never got an email back from them. 

Since these links did n't help me very much I continued to email then on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX without anymore information from them except for the same scripted email in reply to my XX/XX/XXXX message to them. 

I then reached out on XX/XX/XXXX to XXXX on XXXX and he never answered me. I provided him with all of the information that would be needed but unfortunately I never got a single reply. 

I have yet to see any information on whether the money is going to be sent to my Coinbase account or if I will be refunded the money in some way but this is inexcusable. Thank you very much for listening to me and I hope you have a nice day.
I paid {$15000.00} in XXXX 2007 when I had a XXXX loan. My student loan was {$11000.00} that I owed. Then I lost my job. My student loan is now almost 4 times that amount now. I had XXXX XXXX then XXXX XXXX. I need help.
On XX/XX/XXXX my husband and I received a letter from Pressler and Pressler in regards to a wage garnishment application that will be filed through Superior Court of New Jersey : Law Division XXXX Special Civil Part. It states that it is a debt from original creditor XXXX XXXX XXXX XXXX. We have no idea who that is. We checked both  of our credit reports and there is no debt attached to that name or any civil or lien judgement against us. I have only heard from Pressler and Pressler one other time, which was back in XX/XX/XXXX or XX/XX/XXXX, can not recall the exact year. They came to my place of employment with a paper stating either I pay them on the spot or I will be arrested. I seemed legal advice at that time and was told that, that was illegal and to disregard the threat. Now XX/XX/XXXX rolls around not even living in NJ anymore and we get this letter, with no debt amount just stating wage garnishment explanation and my husbands place of employment listed. We are unsure how they even retrieved this information. Any debt we may have had in NJ is definitely past statue of limitation. But again we do not know what this debt is or who the original creditor is. I have read many complaints against Pressler and Pressler who they also go by XXXX XXXX XXXX and XXXX ( something ). I have also found that either an associate or a partner works for the XXXX Special Civil court and that is how they are awarded these such judgements. We will do everything in our power to make sure this firm is stopped and this is the first step.