WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed today that a {$500.00} preauthorized debit was posted to my Citizen 's bank account under " XXXX XXXX ''. I called the bank, and they could n't tell me who got the money but they did say that they used the router numbers to obtain the cash, and that they will conduct a full investigation and that I should call back tomorrow. I know that I absolutely did not authorize any {$500.00} transactions, and I am a little suspicious that the bank would authorize such an amount without knowing who the money was going to. I have checked six months of bill paying online, and every transaction id 's themselves. ; ie ; XXXX, XXXX XXXX, ect..They say I will have to wait until tomorrow to file an unauthorized charge report and of course I will do so, but there is still the {$500.00} missing from my account. Does this seem right?
Following a recent review of my credit report at the XXXX, XXXX  and XXXX consumer reporting agencies, I learned that Discover Financial Services was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XXXX, I deserve more.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.
I hired XXXX XXXX XXXX in XXXX XXXX to assist me with removing items from my credit report due to age or incorrect information. This account was removed in XXXX XXXX and has now re-appeared on my credit report as an open account and showing the account was opened on XXXX/XXXX/XXXX which is incorrect and reported XXXX XXXX XXXX. I 've disputed this item several times. I believe they are trying to re-start the debt.
At approximately XXXX on XXXX XXXX i received a phone call from # XXXX. They asked for my son and I explained that he was not here. they said since I was his mother they could talk to me but I had to call a different number. The second number is XXXX. The woman on the other end XXXX told me that my son was going to be served papers to go to court due to non payment of a card with a department store. I was very nervous about this since my son is XXXX and could never go to court for something like this. I was trying to figure out how to avoid this happening. The woman on the phone told me that the company was BlackRock Mitigation and so while on the phone I used my ipad to check this out and found out it was a scam. I was directed to call FTC immediately which I did and was told to go online and fill out the complaint. they wanted my bank card number and were going to take the money from my account to pay this debt. I ended the call. I then received it again and I was told be ready to go to court. It was not even for me. The call then came through again twice more.
I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. XXXX did received payment and still report the account as DELINQUENT.
On XX/XX/XXXX I mailed Equifax a letter, asking for verification of an XXXX XXXX XXXX account that's been reporting on my credit report. In this letter I requested for Equifax to send me the documents used to verify this XXXX   XXXX XXXX account which they have failed to do so which is a violation of my FCRA rights, I also asked for the legally binding contract between the company reporting the debt and myself which Equifax failed to produce. I've ask Equifax now 2 times to produce documentation they used to validate the account, the person who verified the account as well as their contact information However, they did not supply to me the verification documents. 



I requested the following from Equifax and they have failed to produce any documentation used to verify the account or the persons who actually verified the account Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 



XXXX Law Dictionary, defines Verify as : 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' And, Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 



What this means in your language is that Equifax must be willing, but most importantly, able to produce a document in your files that proves the account ( s ) in dispute belong to me, and the information being reported is accurate, and Equifax must be able to do this in a court of law, should I file a lawsuit against Equifax. Someone at Equifax must authenticate the documents in your files that were used to verify the disputed accounts, and to do this they must have first hand hand knowledge of the alleged account ( s ), and all that has ever transpired for the alleged account ( s ),  under oath and under the penalty of perjury. 

Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure  the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 



The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) of the FCRA. 

Equifax has elected to ignore my previous request to provide me with the documents that they have in their files that they used to verify the disputed accounts, which means that they have NOT verified, or they can not verify, any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA. Therefore, Equifax is required to promptly DELETE all inaccurate information which can not be verified through  this process.
I have requested the account be removed or updated with closed numerous times by mail and phone. The creditor bureau replies by sending a form letter stating the account has been verified which I know not to be true. I have asked for proof of verification and I do not receive any. The account is a CLOSED account reporting as OPEN.
On XX/XX/2018, I was notified by BBVA Compass Bank via e-mail of a Fraud Alert concerning a transaction in the amount of {$420.00} attempted by XXXX XXXX XXXX XXXX XXXX. I called them immediately to let them know it was indeed a fraudulent transaction which prompted them to remove the account and send me a new Visa credit card. I was told an investigation would be opened that day ( XX/XX/2018 ) and I'd be notified via US Mail of the outcome. It's been more than three months and the issue still has not been resolved. The fraudulent charge keeps showing up on every new statement ( along with the interest ) and every time I call for an update I'm told the investigation is still in progress. I've called the Fraud Department number directly ( XXXX ) but after being on hold for more than 50 minutes each time, I just hang up. The incident # is XXXX. Per your website, BBVA Compass is REQUIRED to resolve these types of disputes within 90 days and they have failed to do so. Any assistance you can provide would be greatly appreciated.
Lease agreement terms 100 % fulfilled. 30 Day notice given. Never late on payments. Left with XXXX balance. All payments submitted in full. Also cosign DECEASED.
I am a sensible, prudent, mature person and would not charge {$19000.00} on drinks and a XXXX. I believe a drink was spiked ( drugged ) causing me to lose my mental capacity to reason. I had a loss of judgment and rational thought and my ability to consent to charges. My credit card company said they can do nothing because they have signed paper receipts for charges of {$19000.00}. None-the-less, I was cheated and ripped-off at XXXX Restaurant in XXXX XXXX and do n't think Credit Card Companies should do business with XXXX. They gave cash advances to the XXXX who they claim is an independent contractor for the club. The other charges were for drinks I guess.
Selene Finance refused to process my loan payment last year when I was finally approved for a loan modification. This loan modification took 10 months because the purposely always lost my paperwork. I would email, fax and send in regular mail all required paper work and they continue to lose my paperwork until finally I got approved. They I mailed in my payment with a money order and they stated I did not pay and continued the foreclosure proceedings with the court system however they lied to me that they were going to work with me. I continued to send in new paperwork during a XXXX XXXX  XXXX and even during the XXXX of my daughter. I talked to this bank in the hospital and the funeral home and they continued to lie to me. They have already closed out the account on my credit report even thought we are in XX/XX/XXXX and the sale date is in XX/XX/XXXX.
I never received any statement regarding a collection account. There was never any communication from the collection agency notifying me that they were placing an account for collection, or about my right to dispute the validity of the debt. It was discovered when I found it on my credit report XX/XX/XXXX. I did not recognize this account so a Request for validation was sent. The company did not respond. A credit reporting agency confirmed to me today that collection agency contacted them with validation on XX/XX/XXXX but has still not sent me anything and credit reporting agency never notified me. I have had zero communication from this company although I have contacted them for validation, and they have failed to validate that this debt is actually owed by me. The status of this account is still in dispute and " reinvestigation in process ''. This has been in investigation since XX/XX/XXXX. Furthermore, the collection agency is reporting the same account twice on my credit report. The only difference is one says " reinvestigation in process '' and one has a XXXX added between XXXX numbers on the account number.
This CFPB complaint is against the attorney 's located at WELTMAN, WEINBERG & REIS , CO., L.P.A.  that is representing XXXX XXXX, XXXX. I have responded to them on XX/XX//18 with a letter and legal notice referencing the FDCPA to cease all communications. They received it on XX/XX//18 via certified mail. They are trying to collect on a debt that is paid in full with a company that is out of business and I have provided documentation proving this with a copy sent to them and the XXXX County District Court located in the Kentucky Court of Justice. They continue to send me documentation that is irrelevant to this so called " debt '' and I continue to be harassed by this attorney and his office. I demand them to cease all communication with me about this debt to the form of bullying and harassment or I will move forward with a lawsuit of my own against this attorney and his office trying to collect on an invalid debt.
Post card solicitation to refinance our 3.5 % FHA mortgage from Freedom Mortgage. Offer is for a " FIXED '' rate 3.875 % that will reduce payment " {$70.00} per month, with " NO POINTS '' " NO LENDER FEES '', although the APR is 4.586 %. YOUR PAYMENT WILL BE HIGHER on back of post card, while on the front " Close in XXXX & Your New LOWER Payment is not Due 'til XXXX ''.
On XX/XX/XXXX, I received a call from a mediator named XXXX She advised me that EzCorp had been trying to contact me for some time in reference to a loan. I asked her for details but she said I had to send payment first and then I would recieve information. I asked for date of loan. Said all she could tell me was it was from XX/XX/XXXX. I ask for written documents. Was denied. As well as my rights.
Caller acted as if they were not from collection agency in order to get me to continue talking and verify my identity. Did not indicate if call was being recorded or that it was an attempt to collect a debt. Indicated my payment was 4 months past due and I should get a lawyer or make payment today to avoid them suing me today.
My wife and I purchased a condo from XXXX XXXX in XXXX in XXXX of XXXX. Representations were made about the future development in the area that were false. They also steered us as first-time homebuyers to use XXXX Mortgage, their mortgage arm. They set us up with a 1st mortgage at 67 % of sale price, a home equity loan at 28 % of sale price, and a 5 % downpayment. There was also a XXXX buydown program on the 1st mortgage if we used XXXX Mortgage. At that time, we never should have been qualified or presented with this unusual arrangement. In XXXX XXXX, my family had to relocate for work XXXX, leaving our condo in XXXX XXXX for rental with great hesitation. We refinanced the 1st mortgage with Chase XXXX XXXX XXXX XXXX under the XXXX program, but have not been able to get any additional assistance in the past 3 years from Chase or XXXX, which has created long-term stress for my family and an inability to settle permanently XXXX. Our property is approximately {$85000.00} underwater and about {$130000.00} below original sales price. The qualifications required for assistance are extremely unfair to families that are current on payments and due to work ethic have continued to do well in their careers, making income qualification ratios unfavorable for assistance. Our issue is first and foremost with XXXX mortgage, which is now defunct, followed by both Chase and XXXX XXXX XXXX for very opaque processes for assistance. We believe the refinance in XXXX was done improperly and presented as part of the XXXX program, when it may have been just a standard refinance, trying to relieve Chase of any future liability with the original XXXX mortgage.
I would like to be a part of the law suite for Equifax Credit security breach for mishandling and improper storage and safe guards on my personal information. I need to get information on this process. Lastly, an open fund up to 1 million dollars to cover any lost money or corruption, loans or other financial procedures open in my name by anyone other than myself as of today XXXX-17.
I owe {$3000.00} to a hospital. I sent a small pymt. Then they sent me to collections. I sent a payment on XXXX XXXX they cashed it. They have called every day sometimes several times a day even on the day they cashed my payment! I sleep during the day because I work night s. They keep calling and disturbing my sleep. When I call to ask them to stop especially since I just sent a payment and they 're disturbing my sleep they say " man that 's fine but we can still call you! " if like to file a complaint. I will file one every time they call.
I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to XXXX XXXX XXXX XXXX they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around
They are abusing the people. Im not done with school and im afraid to go back. When i stopped going it was for the XXXX 3 yrs ago. I left oweing almost XXXX and i currently oweing almost XXXX.
My inquiries fell off but then they were reinserted and I never got the five day notice ( which is as FCRA violation ). The inquires are as follows : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Received correspondence from EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor XXXX bank. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.
I graduated in XXXX 2014 from the University XXXX after living in XXXX for 20 years, and then relocated XXXX in XXXX 2014. I updated all of my address changes, but never received any communication from my student loan debtors until yesterday when I received a phone call from a collection agency demanding payment. They want me to make XXXX monthly payments in order to get my loan out of default. I had NO idea I was in default and feel I have done due diligence in making a good faith effort to remain in compliance.
First of all I would like to take this moment to thank you for all the wonderful work you do in helping us resolve issues that would take years to resolve but because of your exceptional work they get resolved sooner, for that thank you. 
I have a mortgage with Pentagon Federal Credit Union ( PENFED ) I the borrower pay the Insurance and Taxes no escrows. I paid the Insurance and the taxes for fiscal year XX/XX/XXXX-XX/XX/XXXX. My XXXX XXXX XXXX forwarded the homeowner 's declaration page ( HODP ) in XXXX XXXX on the renewal date. In XX/XX/XXXX I received a letter from PENFED requesting a copy which I uploaded on the internet portal as they requested. In XX/XX/XXXX I was notified of forced insurance. Called their toll free and I was advised that they received all the needed documents ( s ). Forward to XXXX XXXX they raised my payments to reflect the forced insurance. I have tried to correct the issue and they acknowledge they received the HODP I 'm not sure if its incompetence on the employees on their systems do n't interface/talk to each other. If could be kind enough and help me resolve this issue of having XXXX policies on XXXX house.
I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Equifax and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
I received a screen online that read, " We were unable to honor your request. If you entered credit card information, we did not charge you '' ( I did not enter credit card information, nor was asked for it ... Was I scammed?
Hi, Today, Wednesday, XX/XX/XXXX, I received a collection notice for a XXXX XXXX XXXX for the amount of {$29000.00}. This notice is from a collection agency, Municipal Services Bureau ( hereinafter referred to as MSB ). 

I filed a complaint on XX/XX/XXXX against MSB for sending collections to my residence at XXXX XXXX XXXX XXXX XXXX, Hawaii for A XXXX XXXX XXXX for the amount of {$1400.00}. 

This is the 3rd collection notice I have received from MSB at my address for the wrong person. The first notice was for a XXXX XXXX XXXX ( now deceased ) and the second and now third time for a XXXX XXXX XXXX. 

I filed a complaint with your agency on XX/XX/XXXX which was readily handled and I received an apology from MSB and they claimed that my address would be permenantly removed from their consumer record. 

This continued inept handling of collections by MSB is becoming tiresome. It is a hassle for me to keep addressing this issue over and over again. The system they use to track people known as the " skip trace system '' is definitely flawed as it continues to attach my address to other people named XXXX XXXX who do n't even reside on XXXX. I may contact an attorney if this XXXX continues. 

I would greatly appreciate your help again in contacting MSB to resolve this issue. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii. XXXX
This company is reporting false information to the credit reporting bureaus spreading libel and slander, I have no idea who this is. Please remove the false info or face FCRA violation law suit in XXXX XXXX Texas.
Re : Citizens Bank, XXXX XXXX, Ct. 
Acct # XXXX, XXXX XXXX XXXX of XXXX XXXX XXXXI have multiple personal and business accounts with Citizens Bank and have been repeatedly told that because of the total large amount of money I have on deposit none of my accounts will be charged a service fee. On FOUR separate occasions I have discovered that for months Citizens has been charging some of my accounts a service fee. Each time I talk to and email my representatives asking for the fees to be reversed, for a written letter apologizing and explaning what happened, and for a written assurance it will not happen again. The first three times the fees were reversed but I never got so much as a phone call, let alone the written documentation I requested. Today I discovered that CitizensBank again has charged the above acccount a {$25.00} service fee on XXXX, XXXX, and XXXX/XXXX/15. I am not sure if they have charged my other accounts or my wife 's accounts on other dates.
I was told today when I asked for a credit limit increase that there are XXXX payments to a car loan that I 'm a cosigner on that we 're over 30 days late and on my credit report/score as late payments. I was never notified that there were late payments on this loan through XXXX. I contacted them today about it and they were unable to explain why I was never notified of these payments being late and therefore I was never able to take care of it. This information on my credit report of late payments is false as I was never notified and therefore unable to rectify it.
My mortgage servicing was sold to Selene Finance by XXXX in XXXX. XXXX had approved a loan modification and I had been paying them, without incident when they sold. One month into my relationship with Selene they raised my monthly payment by over {$300.00} claiming an escrow shortfall. I sell real estate and am hearing more and more of my customers complain about the pattern of changing mortgage terms. It is not unique to Selene but other mortgage companies are doing it too. Please look into this housing fraud scam immediately!. Thank you!