WillisBack/dataset-financial-user-claim huggingface dataset:
I have had cash on demand account with Wells for the past 7 years. While I may have been late on a payment or XXXX about 5 years ago, I have diligently paid the balance and interest every time I have used the card. Two months ago I received a letter stating that my annual fee would be assessed in the month of XXXX, and since that time I have logged onto my account weekly to look for the assessment and pay my bill. Instead, I received a very curt letter in the mail stating that I had not used the account in XXXX or more months and effective immediately my account is closed. 
I called Wells customer service to discuss having my account re-opened and offered to make a debit to keep it open. I was told they would not reopen my account but I could apply for a new account. 
Had I been notified that they were going to close my account if I did not use the card within X days, I would have happily used the card to keep the account open. 
Wells practice is detrimental to my credit score as I have been a paying customer for years, on both this card and my mortgage. By closing this account they have reduced my available credit balance by {$9500.00}. Moreover, asking me to apply for new credit instead of reopening my account will negatively impact my credit score as it will ping my SSN and show up as a new inquiry and new account, which are factors used in all XXXX of the credit bureaus ' models. 
I request that my account be reopened and that the Wells review the fairness and atrocious customer service element of this practice and the harm consumers that are not delinquent.
To Whom it my concern, I am being fraudulently pursued by XXXX for a debt I do not owe. XXXX claimed that I owed them {$450.00} and sold the debt ladened with false fees to a company called XXXX XXXX. I disputed the debt with the credit agencies and the debt was deemed illegitimate because XXXX and XXXX could not prove why I owed that amount. The debt under XXXX was removed from my credit report and a week later I began receiving calls from XXXX attempting to collect on the very debt that they could not prove. I informed them that the debt was disputed and removed from my credit report. A month later however a different company named diversified consultant reported the same debt on behalf of XXXX to my credit report. I called the company and they informed me that XXXX had sent the debt back to XXXX  who then sold the same disputed and disproved debt to them. I am now disputing the same debt twice with two different companies. XXXX who allowed a secutiy that put y name, address and social security number at risk, all they offered in return was one year of free credit monitoring. An irresponsible and fraudulent company such as XXXX should not be allowed to endanger my personal information, charge me fradualent fees while I travel abroad and then sell the same debt I have disproved to multiple companies. I will pursue this to the full extent of the law i.e. I will suing. 

XXXX
i ran my free credit reports XX/XX/2016. On my Equifax report, there are XXXX revolving charge accounts that do not belong to me but belong to my Mother ( same first name, different address, DOB, SSN ) for XXXX credit card and XXXX credit card. Also, Equifax is reporting me at an address that I have never been a resident of but is related to the XXXX credit cards that are not mine. I disputed all XXXX items and am waiting for response on the credit. To remove the address, the want a copy of my DL, a utility bill and a copy of my SSN card. I WILL NOT provide that information. Do they not check the SSN and DOB before putting items on consumers credit? I want the XXXX disputed items removed and they need to be more careful and check the information first.. Thank you
I had a credit card account with TD Bank / Target. The account was included and discharged in chapter XXXX bankruptcy. This account is showing a status of " CHARGED OFF ''. I disputed with the credit bureaus and the account came back as verified. I sent a certified letter to the creditor XXXX months ago and have not received a response. I then once again disputed the account with the credit bureaus and once again it came back verified.
Fresh out of high school I wanted to be someone successful. I went into XXXX College to get some info in classes that were available, I get told that if i sign up for school I can get a job guaranteed. So I fell for it and signed up, when I signed up I had to have a second signature and they told me to have any other adult sign. So I got the paperwork signed, enrolled, started classes to become a XXXX. After graduation I applied for jobs and nothing. I applied for the XXXX with a year waiting list and nothing. Places I applied for told me they could not hire me do to not having experience. I then applied for a position in the XXXX again with another year waiting list and nothing. So, now I 'm here stuck with a student loan that just keep accumulating interest. At the time I signed up with XXXX College to become a XXXX, I did n't understand Interest rates and how much this whole thing was going to cost, I just understood that i would be guaranteed a job.
A debt collection agency called Convergent Outsourcing , Inc., has been calling my home phone and has begun sending letters claiming that I owe a debt to XXXX, of some {$400.00}. After confirming with XXXX that I had no outstanding balance, I closed my account. Convergent has continued its attempts to collect the debt despite my telling them that the debt is invalid.
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I was late past due 60 days then paid. This is a formal notice that your erroneous claim is now 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. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX  ) from your company or any company that you represent, for a debt that I don't 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 : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting 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 Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
my credit is taking a hit unneccesarily. I pay all bills on time and XXXX  out my credit card balances monthly.
In the past few months I have discovered many concerning matters regarding my loan. The first issue being that Bank XXXX New York is not the actual holder of my loan nor has the loan ever been assigned to their company with any recorded or certified documents. I went to XXXX XXXX of records and was provided a certification of non-filing, meaning the document was never in fact filed. I even have an email directly from the president of Bank XXXX New York informing me the loan is not owned by them. I researched and was able to pull the assignment document and contacted the person who signed the assignment, XXXX XXXX, I asked him if that was his signature and he proceeded to inform me that he could not tell me if it was or if it was not his signature which raised alarms to me. Since discovering this information, I have contacted Ditech my servicer in attempts to help save my home. I provided all documentation they requested only to be told that I " do not meet the criteria '' for a loan modification with no detailed explanation nor alternatives to avoid foreclosure. I was never provided a single point of contact during that process and was constantly given the run around and treated unfairly. I am now facing an upcoming foreclosure and am unsure who my lender really is at this point and am beginning to become concerned about losing my home.
XXXX XXXX XXXX Clerk of Court RM:XXXX United States District Court For the XXXX XXXX XXXX Circuit XXXX XXXX XXXX XXXX. 
XXXX D.C. XXXX Director Of CFPB Bureau of Financial Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, D.C XXXX Attorney XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, DC XXXX The purpose of my complaint is to petition the CFPB to have the Clerk of Court XXXX XXXX, The Director of CFPB, and Attorney XXXX XXXX XXXX XXXX, to review the Complaint number XXXX was filed by me, the CFPB staffs did n't allow me to have access to my own complaint I filed. Then, CFPB forced me, to have my wife write the authorization letter to add me on this complaint that belong to me. Then later, I can not able to see this complaint post on the CFPB complaint website. our documents were posted on this complaint above, my wife 's copy of her social security number, Copy of her XXXX ID, copy of the POA, copy of my XXXX Driver 's License, and those two copies of my Credit score from XXXX supposed to upload on the Complaint XXXX supporting documents I fax to the CFPB Fax number XXXX when I follow up the CFPB staffs employee lady told me, she does n't know where are they, and I have to refax again I asked her, if I can speak to the person receive those documents, she said, there is no telephone number, my credit score were XXXX fair, XXXX good, and XXXX very good on the copy I fax, I wrote, Att : CFPB Director. Reference number the case number above and the other one. 
The reason I put the Clerk of Court, I trust her, and also signed documents to Trade Secret with her, and the reason I address to the CFPB Director to let him know, what is going on with this CFPB office to corrected, and Attorney XXXX XXXX was our Attorney, and I talked to him to help us to transfer our money from the XXXX XXXX XXXX to our account here on XXXX. 
I also want to address that I declared our civil rights has been violated as well as our privacy has been violated too.
I had a {$25.00} minimum payment due on my Walmart Card and paid {$30.00} online on XXXX XXXX, 2017. I had no idea that Synchrony Bank would hold the payment until XXXX/XXXX/17. When they applied the payment, it overdrew my bank account. Knowing that I already paid it, I contacted the bank who then did not authorize what I thought was a double payment. Subsequently, I contacted Synchrony who accused me of 'scheduling ', not paying on the account. They assessed me with late fees, etc. on XXXX/XXXX/17 I paid {$30.00} ( for XXXX 2017 ) and then received a notice from Synchrony that I owed them another {$41.00} for XXXX. I called them and even though they agreed to adjust the late fee, they refused to adjust the minimum payment due by the XXXX of XXXX. In addition to that the customer service rep hung up on me when I was in mid-sentence. I had to call back and go through the automated process all over again. In speaking with a manager, I was told that absolutely nothing could be done to adjust the {$41.00} due. Since my billing cycle closes on the XXXX of each month, my XXXX payment of {$30.00} on the XXXX should count.
I had to pay extra money for my escrow. 
And also I have a balloon note on my account which I don't understand when I did my modification to lower my payment I felt like I had no choice, and I know when that time comes I won't have that type of money to pay out all at once.
I traveled to XXXX XXXX XXXX on XX/XX/XXXX for a festival i goto every year at the same time and I always put the travel notification on my Chase account so I can use my card while in XXXX. On the evening of XX/XX/XXXX i logged onto my chase online account to see 2 charges one for {$2000.00} and the other for {$600.00} at XXXX XXXX in Washinton which was not charged by me and is definitely not authorized. i called Chase to report the fraudulent activity as the card was still in my possession. The funds were credited back while the claims department investigated the claim. A few weeks later I noticed that the money was once again taken out of my account when I called Chase on XX/XX/XXXX I was told by one of the claims specialists that it seems a card skimmer was used and he would reopen the claim. I went into a branch on XX/XX/XXXX and was told that my claim is dismissed because my 4 digit pin was used on the fraudulent charge. I have never been to Washington state and it seems the purchases were made as cashback at a supermarket. If you review my transactions on my Chase account I made a purchase at XXXX XXXX in the XXXX XXXX which is located in downtown XXXX using my card as it was a chip purchase the fraudulent charge was made 2 hours later in Washington which is impossible for me to travel from XXXX to Washington by plane its a 5 plus hour flight. I have XXXX  statements to show my trip to XXXX, XXXX trips, and purchases I made while in XXXX. Chase has told me there is nothing they can do for me but it seems like my claim was not investigated or investigated incorrectly. I feel as if Chase who I have banked with since XXXX and never had an issue is not even taking the time to look into my situation.
I went to TransUnions web site on XX/XX/17 to place a lock our my credit reports. Directed to create an account, which I did. There was never any mention of any charge, let alone a reoccurring monthly charge of {$19.00} to do this. On top of that, when I attempted to lock my reports, an error message came up stating : " We are having trouble matching a TransUnion credit file with your personal information. Please contact TransUnion 's Customer Relations Monday & mdhas ; Friday, XXXX XXXX-XXXX XXXX. ET at ( XXXX ) XXXX ( press # 4 ). '' The credit information they had for me was correct as was my profile information so the above message makes no sense. 

Tried to lock my account numerous times and all failed. Finally called the phone number shown above, somebody took my social security number then hung up. Called their support number and they were of no help. Simply said to keep trying and had no idea who the above phone number belonged to. 

So now my identify seems to be in jeopardy due to their web site. 

There also appears to be no way to contact Transunion via email or chat. Have to call and sit on hold to talk to somebody that has no clue.
I was incorrectly charged a fee of XXXX on XX/XX/XXXX and again on XX/XX/XXXX at an atm machine listed as a XXXX atm for amex bluebird card. There should be no fee for such atm listings. I have tried on numerous occasions to view updated website listing and webpage has been inactive. All previous months this charge has been reversed when i called in. This month webpage still not working to locate different nearby location. Rep refused to reimburse claimed no longer on no charge list yet website still unavailable. Requested XXXX reimburse for 2 charges.
I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free credit report?
Please Be Advised I am writing to report that Experian is falsely reporting a public record on my credit report and I have written to this company via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still the account remains. I have also advised them to please send me copies of the documents that they have in their files used to verify the accuracy of the account. I have n't received any verification and via the telephone call that I made to their company and agent by the name of XXXX advised me that XXXX XXXX is the ( third party agency ) that provided them this public record. On XX/XX/XXXX I sent via certified mail a letter to XXXX XXXX to dispute this record. On XX/XX/XXXX I received written documentation that an investigation has been done and in conclusion this record was removed. On XX/XX/XXXXI sent the supporting documents to Experian and they still have n't complied. I have spoken with XXXX and XXXX on XXXX, I have spoken with XXXX on XXXX who advised me that she would resend the dispute over to compliance for review and I would receive a call within 48 hours business hours and still have n't heard from Experian. I also took the liberty of contacting XXXX XXXX on XX/XX/XXXX and spoke with a Manager by the name of XXXX at XXXX XXXX and she advised me that this item was removed off my records Experian she be following suite and updating appropriately.
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Equifax continues to report inaccurate information that has bee n discharged a nd no longer can report on my credit file. The other  XXXX  bureaus has removed the items, Equifax continues to report the information after sending each bureau the exact same information.
We opened a Chase/XXXX credit card on X/XX/17 after receiving multiple email offers and promotions and a mailer Offering XXXX miles to open the credit card and XXXX additional miles to add a second person on the card and spend {$3000.00} within the first three months. We complied with these requirements within the first month. We were told multiple times by mail, fax and on the phone that we are only available to get XXXX miles. We are still getting email offers for XXXX miles. This looks like an obvious bait and switch.
On XXXX XXXX 2017 Bitcoin ( BTC ) performed a hard fork, which is basically a stock split. 
XXXX did not give the split off coins ( shares ) to its customers. I am looking to get the coins due to me from XXXX. I have since threatened them with a Class Action Lawsuit ( but no action is pending that I know of ) and they have arbitrarily closed my account for no reason. 

The hard fork should have given me XXXX BCH ( shares of Bitcoin Cash ). At the time of the fork it was about {$1400.00}, current value is about {$2500.00}. 

I contacted the company multiple times on, and after, X/XX/2017 and they stated they would not distribute the coins.
My sister-in-law and brother-in-law both received a call from someone claiming to be from ACM stating they have received a potential claim forwarded to them attached to my name and ssn. They want a statement from me. The lady said her name is XXXX XXXX and can be reached at XXXX, ext. XXXX. 

I have attached a recording of the voicemail left to my brother-in-law. Both calls to them were asking for me. My sister-in-law answered the phone but stated there was no XXXX XXXX at the number they called, which was her cell phone. My brother-in-law was in a meeting so it went to his voicemail. He never called back but forwarded me the voice mail recording which I have attached to this complaint. 

I do not know what is going on and this is the first I heard of this, but research has shown that this company has shady practices.
All of my students loans are consolidated with Navient, and i have been working to build m y credit score. A  couple days ago I checked my score to discover that it had dropped  XXXX  points. The remarks stated that it was from a loan with  the US Dept.  of  Education that g ot sent to government collections between  XX/XX/17    and  XX/XX/17   . I have contacted every student loan service and Ombusman group and none of them have any information about the loan in question. I need to get to the bottom of this and ge t my credit score cor rected.
Auto loan opened in XX/XX/XXXX. 
Car repossessed in XX/XX/XXXX. 
Letter sent in XXXX or XX/XX/XXXX stating that the car was sold at auction and balance was reduced by {$6000.00}. 
Loan appeared on credit report twice, with two different loan amounts and dates. The one with the lower balance was eventually deleted. 
I've been trying to get in touch with the company to work out a payment plan, but nobody answers the phone and they will not return my messages. I want to see that the amount is correct for this loan. It's still showing as an open account and new missed payments are still appearing on the account. They're still charging me interest on this loan. I filed a dispute to try to gain information on this loan, it was denied. I filed another dispute with XXXX this morning, again to gather more information on this loan. The total amount I'm being held accountable for now is roughly {$13000.00}.