WillisBack/dataset-financial-user-claim huggingface dataset:
on X/XX/2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. They replied back ( letter attached ) that I  needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose. <P/>Last 4 digit of my social in next step - once again they should have this information since they are reporting. <P/>I find this is a tactic to continue to report & absolutely ridiculous this is my 2nd complaint - it was closed due to the company stating they can not verify my identity or the debt.
In XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I mailed a certified dispute letter to XXXX XXXX requesting validation of the account being reported by XXXX, Equifax, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
On the morning of XXXX XX/XX/2018 I attempted to use my Chase Bank debit card to purchase {$500.00} in cryptocurrency from XXXX, a U.S. based crypto currency exchange that practices KYC and reports large transactions to the IRS. The purchase was rejected and a subsequent Email from XXXX stated " When we attempted to process this transaction it was canceled by your bank. '' There was over {$600.00} in that checking account, so later on the XX/XX/XXXX I went to my Chase branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and asked my Private Client Banker why I had been unable to use my funds to make the purchase. She made a phone call to find out and then explained that Chase Bank did not consider purchase of cryptocurrency to be a legitimate transaction and that rather than be involved in a scam involving their customer they would also refuse to honor an ACH payment for such purchases. I expressed my displeasure at not being allowed to legally use my funds as I saw fit, and she quoted Chase CEO XXXX XXXX on the evils of cryptocurrency and brought up an anecdote of a customer duped into financially supporting terrorism. Where does this interference in a customer 's legitimate access to their own deposited funds end? No purchases of liquor or guns or birth control or donations to the " wrong '' political party if the bank CEO so chooses? Thank you.
I was sent an unsolicited prepaid card in the mail. I looked over the material that came with it carefully and saw that there was a list of fees. Among the fees listed was an " Account Maintenance ( Inactivity ) fee '' of {$5.00} per month. I am not sure whether or not I have to activate this card in order to be assessed this fee, but it seems to me that being sent something that I did not apply for and possibly being assessed a fee for not using it may be worth your attention. The company that sent this is netSpend at XXXX. XXXX XXXX, XXXX TX XXXX. Reading carefully the documentation that came with this card, it appears that I have to actively contact them to decline this card.
My phone was stolen, and my PC drive went bad in the same week, so I lost my saved authentication methods. There is a process to validate your identity and regain access to your account by scanning your photo ID, etc. My photo ID says " XXXX XXXX XXXX XXXX ''. My account says " XXXX XXXX ''. There was no mention at the time of account creation that my account name had to match my photo ID. 

XX/XX/18 - opened Case # XXXX with phone support XX/XX/18 - I emailed coinbase to check the status XX/XX/18 - they sent me the same pre-written " your case has been escalated '' email, with no further instructions are projected date of resolution XX/XX/18 - they sent me an email with a link to verify my ID. This was extremely insulting, as the reason I opened the case is that their method of ID verification can not work when your name does not match your ID. 
XX/XX/18 - I called them, re-explained the issue and why the link they sent me is not useful, and they assured me " my case has been escalated '' for the umteenth time.
I deposited a check at a Wells Fargo ATM and the ATM gave me a message that the check balance will be available the next day. I get a email from Wells Fargo 2 days later that the balance will not be available until the end of next week. I contacted the issuing bank and the funds had already been withdrawn. I contacted Wells Fargo and there answer was " that as a customer I was rolling the dice when I deposit a check ''. This is a crazy response!
So I signed up for the care credit account when my dog required XXXX, the amount was roughly XXXX. I set the account up for automatic withdrawal and after 2 yrs thought I must be done. I called synchronity put in my social and the message informed me my account was paid and up to date. I then cancelled the automatic withdrawal from my account. Within a few weeks I was sent a letter my account was overdue, I called and spoke with a representative who informed me that after 2 years of payments, I actually owe XXXX more than the original because I did not pay in time. What?????? OK so how will you work with me for payments considering that is unjustified. We will not, I refused to pay and now I 'm receiving collection letters. Help please unfair and unjust!!!!!!
This is my second complaint, as Chase is no longer responding. 
I cancelled my credit card on XXXX XXXX by phone and authorized the representative to debit my checking account with my bank to pay off the balance to close the account. I have a confirmation number from XXXX XXXX, XXXX. 

Chase made payments to the debit of my credit card account on that same day, without my knowledge. 
Late XXXX, I received a letter from Chase claiming that I owed them those payments, interest and late fees, even though I had no longer been receiving bills from them. 
I do n't work at Chase, neither do I know their internal processes, nor is it my business. To my knowledge and reasonable assumption, Chase and I were no longer bound in any way when the representative confirmed that the account was closed with my call and payment. 
At first, Chase recognized the fact that I did indeed make the payment when I had called to cancel the card and close the account. 
Their letter dated XXXX XXXX, XXXX, now claims that there was a balance pending and that the account was still active, even though I have a confirmation number to prove the contrary. 
I had accepted the card when making a purchase on Amazon in XXXX, around XXXX. The card was supposed to be free of any fees. However, I was charged a fee for using the card for that purchase. I made another purchase in XXXX XXXX and was charged a fee for that also. 
If for some internal reason there is a delay in the process, as a client, I have no knowledge of it, and was not informed of any such delay. It was confirmed to me over the phone that the account was closed and therefore inactive, and that my payment cancelled all debt towards them. 

My original objection was focused on those fees and interest. I was willing to pay the principle, but they rigidly refused and the situation has been in dispute ever since. 
I made them another offer to pay the principle in XXXX XXXX, which they also refused, unwilling to negotiate a reasonable outcome. 
As a client, I can not be expected to know the internal functioning of any bank, value dates etc, less so when it confirms that we are no longer bound. 
I hereby request from Chase a detailed account statement of all transactions from the first purchase which was concluded on XXXX in XXXX. And also, a justification for the fees charged for the purchases made with the card. 
As they have put a claim on me, it is legitimate for me to request the details that substantiate the claim. 
I have shown good faith and goodwill. I have made two offers that Chase chose to turn down. It claims no responsibility whatsoever, even though they did not send me bills in due time, once again due to internal processes within their credit card department, for which I can not be held responsible. 
I hereby offer once more to settle the principle and request from Chase details of transactions and fees.
I have been trying for months and months to get my mortgage caught up. I have a good rate, so I do n't think any refinancing would help. However, I just ca n't double up on my payments and they keep tacking on all these late fees. Then there is a section of " other charges '' to this day no one can tell me what those are or what they mean. I would just like a little help to give me a deferment or something so that I can keep paying every 30 days, but that it 's under 30 days past due and not incurring these fees for no reason, all while sending me threatening letters.
I 've never received any bill from the creditor or written documentation from the collection agency. They call asking for personally identifying information. Have failed to provide this on request.
Experian has several lines that are incorrect. Several Educational loans that have been sent back to the XXXX where I have been in a rehabilitation program. Experian has most of my negative accounts still opened and in a past due status. Making my credit score XXXX plus below other credit agencies. I was denied an apartment based on their info. They also have accounts on my report that were reported well over 7 and ten years ago listed recently and wo n't come off until 2018 that should be off already since those account were already sent to collections. So they have false reporting info. XXXX XXXX to mention. They keep starting the 7 years over and over on numerous accounts. There are accounts that are duplicate with different account numbers. XXXX card that they have as recent is well over 10 years ago. Student loans that are in past due status that were sent to XXXX that they still have for another collection agency that rehab has been completed on. Also for accounts that are in good standing they have the actual pay dates although the creditor has pays well and ok. They list every item and pay date which is very subjective ; allows the new creditor to think slow pay..when the account is paid well. Have other people that I may have been affiliated with in the pass never married to XXXX ( XXXX ) not in my life should not be on my credit. XXXX XXXX account should be off ; reporting false information. Have more judgments than I actually have. Fair Collections and outsourcing I have disputed because they can not validate the info and where my deposit went. They keep it on the file. To have every account still opened and they are closed drops my credit score. So there is a lot of miss info. If you all XXXX Experian complaints.. there are tens of thousands complaints. My sister has a XXXX and XXXX with other agencies and great credit Experian has her at XXXX. With false info being reported. The accounts should not be in past due status ; they should be in the status they truly are. I have disputed some of these not all as of yet. They are not pleasant to deal with when you call them. I truly feel they work with the creditors to keep people 's credit bad. Take a closer look at Experian please they are making my life difficult and maybe homeless soon. Also XXXX XXXX Bank credit card I paid off. Good standing closed it on my account when my life was on track before losing my job. They have another card with no reported data ( since I closed the previous account ) and have it in a bad status for an account I never had. They have no data but still have it on my report. Fix this please.
I have been getting at least 5 calls a day from this company and they are leaving more than one message a day.
Hello, I hope this note reaches you well. I recently have been trying to borrow credit for one of my four businesses. Though, I have a bankruptcy on my account which is false. I have been trying to have this removed for some time. It has been removed from 2 credit bureau 's but still on one, TransUnion. Therefore, I am unable to do my regular business transactions now. I'd really like to borrow money for my business and only have this single issue with my credit. I could borrow in the future since I'm a reliable borrower and pay back my debt. Though this negative remark on credit report hinders me doing business. I truly am a responsible person. I would really love the help in resolving this matter as soon as possible. 

Thank you. 
XXXX XXXX
I purchased a XXXX XXXX XXXX in XX/XX/XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XX/XX/XXXX to XX/XX/XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact XXXX XXXX XXXX XXXX and assist with getting what they have been report unfairly, fair. Thank you
on the XXXX th of XXXX i recieved my first direct deposit from my Job in the amount of {$440.00} to my American Express acount. on XX/XX/XXXX an unauthorized money transfer to an individual whom i do not know, removed my direct deposit funds. On XX/XX/XXXX i discovered this fraudulent activity and notified American Express about the suspicious activity and opened a dispute. I changed all of my banking login information with the rep on the line with me. He told me i was all set an be on the look out for an email with the resolution to said dispute. On XX/XX/XXXX i was notified by email that my dispute was denied and my payroll check would not be credited back to my account. i called AMEX and was told to basically write a letter. i implored them to reconsider, as i work very hard for my pay as a XXXX. Again i was told there was no fraud or error. well something happened without my approval.
The creditor took on my loan when i never should have been approved my credit score was barely XXXX. The creditor put my interest rate of 120 %!!
Never advised me of repayment plans. Multiple loans for the same account or school attended. Confusing and contradicting information regarding school loans.
I joined XXXX XXXX XXXX on XXXX 2014. before i did it I asked particularly if there any contract, they said " no ''. I signed permission to collect monthly payment and paper for health condition. of course I never saw any contract, since there where no contract as they were saying. on XXXX I wanted to stop visiting GYm. They told me to write a a letter to themand send it with confirmation. There where snow storm alert and post offece was not working. So they received it later certain day. Monthly payment is {$20.00}. Where this amount come from I have no idea. 
I spoke to collection department they said this is anually payment. they do n't anything this is the amount their client want. i spoke to them 2 times, and refuse to pay this amount without any explanation. XXXX send me contract with no signature or any place where the signatury supposed to be.
I was alarmed at the number of " hard hit '' inquiries on my  XXXX ,  XXXX  and   XXXX   credit reports. I reached out to each bureau and was told that they could not remove the information with a dispute. So I contacted Clarity Services , Inc.  as they are the source for the majority of these unauthorized credit inquires. I had to provide them with a written request and was provided a copy of my report with them. I identified each inquiry that was not authorized and returned by mail to them as requested. To date, none of the erroneous information has been removed and I keep getting the runaround from them. Telling me I have to start the entire process over again.   This is ridiculous. Sadly, I have since found many documented consumer complaints against this company, all similar stories. They are completely unethical.
I have submitted several price protection claims with Discover that haven't been looked at, even after 2 months. When I submitted the claims I got an email saying the claim would be reviewed within 10-14 days. Normally this process has taken 7-10 days. I submitted a claim on XX/XX/XXXX, and it is still in processing and has not been looked at. I have called the claims dept several times ( the number in the email ), and each time they tell me they will look at it within 120 days, not 7-10 days in the email. Every time I have asked for a supervisor or someone in claims they refuse to transfer me. They tell me to call Discover.

I've called Discover twice and messaged them twice, and they won't do anything. 

I am worried because so much time has elapsed since I originally submitted my claims that they will be denied because they can't verify the lower price. Many of the claims I submitted were a weekly sale, and there's no way you can verify a sale price 2 months after the fact. 

I am also worried that I will be unable to return these items if my claims are denied, because most retailers only allow 30-90 days to return an item, and Discover is telling me I have to wait 120 days before they will ever look at a claim. This sounds illegal. You can't change the terms and conditions of a claim AFTER a claim has been submitted.

I will attach the original email I got from Discover saying my claim would be reviewed within 7-10 days, back on XX/XX/XXXX. 

These are my Discover price protection claims, along with date submitted, that haven't been looked at as of today : XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XX/XX/XXXX
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2015 Amount : {$740.00}
This is the document that I was coerced into signing in order for them to release my funds. I was told that I just need to provide this actual document to my bank and they would fax as well and my funds would be released. I asked how is this legal, I received no notification, the lady at the desk got the attorney, I asked the same question, I was given no answer. I requested to see the documentation that was " apparently '' mailed to me, she then held up a document ( she would not let me touch it and examine for myself and then I asked what the date it was mailed and she looked down and said XXXX XXXX, I then stated that is today. I drove the above document to my bank, XXXX XXXX Bank and was then told that the document has not been received via fax. I then called the attorney 's office, XXXX, XXXX, XXXX, XXXX and XXXX ltd and stated that they have not received their faxed copy. The lady was rude and stated that they faced at XXXX. The bank teller XXXX called back to the main branch and was then told that they can not accept this agreed order ( signed under duress, they would not release the levy that I had no prior warning to unless I agreed to an amount and was given no factual legal law that they had the authority to enforce a levy under. I either signed or my funds would be 100 % depleted ). The document would not be accepted to release my funds unless signed by a judge. I called the above attorney 's office again and asked why I was told that the document would suffice as is. I was verbally humiliated and hung up on. I called my workplace and said I had an emergency and personally drove to the courthouse to get a judges signature as I was told by the above said attorney 's office that an attorney from their office would be there today for another court matter and he would try to get the judges signature and they would hopefully fax the correct document to my bank today. I drove XXXX miles to the courthouse and waited. During that time I called the above stated attorney 's office to gather a time frame so I could notify my employer of my return and I was accused of " stalking their attorney at the courthouse and that the matter was out of my hands '' I was again hung up on. I chose to wait for their attorney and he obtained from the judge the proper documentation needed to provide to my bank in which I hand delivered at approx XXXX. I have XXXX children and I do not earn a large some of money and just now in my adult life have health insurance.
no APR mentioned, deceptive marketing of discounts without full disclosure.discount for closing not available for lower purchase price which prohibits lower income buyers.
On XX/XX/2018 and XX/XX/2018 I notice AD ASTRA RECOVERY SERVICES balance {$330.00} on my XXXX XXXX XXXX XXXX credit report. I faxed over a letter requesting a contract bearing my signature to support this claim. I do not recall any account with this company. I would like this account remove due to the company failure to provide me with verification agreeing to this account with AD ASTRA RECOVERY SERVICES.
I asked for verification of XXXX debts from them. Never got verification. Just a letter stating that it was frivolous and will not investigate. They just closed the accounts and charged it off on my credit. That tells me they have nothing to state i owe them. I never signed a contract with this company.