WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX {$280.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor ( XXXX XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; account was settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
I was never billed after insuance except 2 1/2 years later I recieved a message tbat always said this is a important message for my name and if this is n't you then please hang up. I thought it was just a scam. I mow found out I owe {$630.00} this has ruined my credit to buy a house. Please help me!
I made a {$50.00} payment to AAdvantage Citicard on XXXX XXXX. The payment was done electronic through my online banking account with XXXX XXXX XXXX. In XX/XX/XXXX I noticed that the payment was not applied to the credit card. When I called claiming why my payment was not applied, they said that they didn't receive it, after I explained to them how I sent the payment they gave me temporary a credit of the {$50.00} until they investigated. In XX/XX/XXXX they sent me a letter requesting more information for them to identify the payment as a copy of my XXXX Statement showing how the payment was done. 

I did send the copy of the statement as requested. I wait for a few weeks and I called back. Customer service transferred me to the dispute billing department and the manager of that department told me that the investigation was closed and they had reverse the temporary credit because the information I sent was not enough. when they asked me to send the copy of the statement. The payment was done electronic and there was nothing else to show. Since then I have been calling and speaking to different representatives promising that they will open the investigation again but nothing it has been done. 4 months already. 
Last Friday XX/XX/2018 about XXXX XXXX  I spoke to XXXX from customer service XXXX Florida she refused to give the last name, she told me that she was the supervisor and she was going to send the request to billing department to re-open the investigation. that was a lie.
I took a Super Check offer from Wells Fargo Bank that offered, I believe, 15 months with no interest. I calculated that {$300.00} a month would pay back the check amount by the deadline to insure no interest. When the the card was utilized for other reasons, I paid that amount in full along with the {$300.00} and I am still being charged interest. Why??
I do n't believe this ... ... I am right in the middle of financing and the lender had to pull my credit one last time before I fund ... .. all of a sudden I have literally have 9 collection account appear on my credit from Rash Curtis & Associates XXXX I do n't know who they are or what this is about but I have never received 9 different collection notices from them. I HAVE NEVER EVEN RECEIVED ONE!! 

I am going to file a complaint with the FTC and the Attorney Generals office
On the morning of Friday XXXX XXXX, 2016, as my morning routine I check my bank accounts that I currently have with Bank of America, which were joint accounts with my fianc. I noticed that {$1000.00} in our joint checking account was gone. The XXXX checks which I paid to our insurance bounced, and the balance was negative plus XXXX of {$35.00} returned item fee. The amount {$1000.00} went to legal order, XXXX. I then look at our joint saving account, and the amount of {$4600.00} was gone to legal order, XXXX. In addition, there was a fee of {$120.00} charged to the account. I immediately contacted Bank of America customer service at XXXX and the associate give me a telephone number which started with XXXX. I dial the number. Turned out it was Illinois XXXX. My fianc is currently paying for child support. He is compliance with the court order ; however, prior to court order, he did volunteer pay the child support. When XXXX parties agreed with the child support, each month he did pay extra to make up for the different amount between his calculation and the state calculation. So, I told my fianc the story and asked him to call the XXXX phone number that the bank gave me. He had a conversation with XXXX who work as case officer with the XXXX Accord to XXXX, the Illinois XXXX sent the document to bank to confirm if this is joint account in the XXXX of XXXX, and the bank received on XXXX XXXX. However, Bank of America did not response to their request instead Bank of America freezed my assets. After the guidance from XXXX, we called Bank of America customer service number. They gave us XXXX phone number which was legal department. The associate said they received something on the XXXX, and then she said the bank did n't received anything. We asked them to responded to request from the XXXX request. The associate said that tell them to send the document again. We then gathered three months of bank statements which proved that this is joint account and fax to XXXX. They received and put under review. However, they resent another request to the bank. Today, we called XXXX to follow up on our case, and they still have not received any response from Bank of America. We called Bank of America XXXX XXXX XXXX, XXXX was transferred my fianc back to general service line after 30 minutes of waiting. According to XXXX they just want to confirm if this is joint account and the fund should be released back to me. They mentioned that Bank of America has an history of notoriously not responded very quickly. Please keep in mind while the bank received the document, we have n't received any noticed from the State of Illinois XXXX While we were on the phone with the associate at XXXX on Friday, we requested a copy of the lien. So we can proof that we are not owed as much as they think.
I received a call from XXXX XXXX XXXX  ( XXXX  ) XXXX about an unpaid debt and was threatened with litigation. When I tried it to get the details of the debt, I was told they did not have the information. The debt was for a credit card I never had in the amount of {$450.00}. When I explained to the representative that this may be fraud, she said shed put the information in the file. Several months later, they called my husband for the same reason. When I called back to understand why they called my husband, I was hung up on. I called back and when I reached someone else, they claimed they could not locate my account and hung up again. This is harrasment.
I have been paying a debt on a student loan I cosigned for eight years ago. I was paying XXXX XXXX, then XXXX, who sold the debt to XXXX XXXX XXXX XXXX. I have been paying every month but the loan does not reduce. I asked on XX/XX/XXXX 2017 for XXXX XXXX XXXX to send me a copy of all payments made, both to XXXX and them. I asked because their website will not navigate you to your loan. I have no idea how much has been paid, etc. I also asked for a copy of the promissory note. When I call I have to leave a message for " XXXX ''. but my calls are never returned. I was told back in XX/XX/XXXX to pay XXXX XXXX and the loan would be forgiven. That 's when I started asking questions and now no one will talk to me. I have asked our bank to stop payment but I have to go through XXXX XXXX XXXX. I feel we have more than paid the loan off and are being strung along. Our attorney suggested reaching out again, but they do not respond. he suggested filing this complaint. I would like answers and paperwork before I go back to our attorney and file charges.
I received a letter today that my account as closed due to creditworthiness. It report my credit score was XXXX. However, my score was lower than that when I got the card. I recently paid the card in full in XXXX 2017 and a few weeks later I received a notice that my credit has been pulled and my Belks card is closed. I never have paid late and this is going to reflect negative on my credit report. This type of protocal is unfair and deceiving.
Afni, Inc. reported to the three major credit reporting agencies that I owed XXXX dollars for an XXXX XXXX XXXX account. I contacted them by phone to inquire about this dept. They told me that I owed this money for an XXXX XXXX XXXX cell phone account. I explained to them that I do n't recall ever having an XXXX XXXX XXXX account, and ask them to validate this account. They refused to do so, so I ask who owned the account, and they replied that XXXX XXXX XXXX did, so I then told them I would call XXXX XXXX XXXX. His reply was go ahead, they will just refer you back to us. I called XXXX XXXX XXXX, and spent at least 30 minutes on the phone with 3 different  departments, and they had no record of this account, searching by name, ss number, phone number. I did this twice, and spoke to different people each time. They had no record of this account. I then called Afni back, shared this info, and tried to get them to validate the dept. instead, they question me of why I needed this info, and tried to coheres me into filing a report of identity theft. They continue to refuse to validate this dept, which probably is false.
I am in a FEMA disaster area. On XX/XX/XXXX, I was contacted by XXXX XXXX, from Chase Bank, who is my mortgage company. XXXX XXXX explained to me that because of the recent disaster, Chase would defer my mortgage payments until XXXX. At that point I was one payment behind, he explained come XXXX, I would owe for the behind payment and XXXX payment. The rest of the charges would be put on the back end of the loan. 
On XX/XX/XXXX, I spoke with XXXX XXXX, from Chase Bank. She explained I currently owed for 6 payments. I explained that I was offered to have the payments put on the back end of the loan, she told me this was not an option and I was mis informed. I asked to have the taped conversation from XXXX sent to me, she explained I would need a Subpoena for that. I asked if she listened to the tape and confirmed that I was offered to have the payments put on the back end of the loan, would they honor that? She said, no, we would just coach that employee for further reference. 
I applied for a loan Modification on XX/XX/XXXX. On XX/XX/XXXX, I called and talked to my case manager, a XXXX XXXX. He said the paperwork was order and he would be in contact. He stated I was in the process of a loan modification. I instructed him that in no way did I want to lose my house or sell my house. 
On XX/XX/XXXX, I call Chase Bank to talk to XXXX XXXX, I am instructed that my case manager has been changed. I talk to my new case, XXXX XXXX, she explains that she works in the Liquidation Department. So from one day to the next, I am in the Liquidation department, which would mean I intend to sell or lose my house. I ask to talk to a manager.

I get a phone number for a manager. I speak to a XXXX XXXX. She explains that I am correct, that at first they did offer to put the payments on the back end of my loan. However after the time the offer was made, the investors decided to change the offer, and because I was not current on my loan, I was one payment behind, the offer would not be honored. She could not tell me why my case was in the Liquidation department. All she could say is I have to wait for the loan modification process, which takes 30-45 days. I asked what happens if I am not approved for a modification, she could not tell me. 
I am at risk to go in to foreclosure. If they go ahead and proceed with the filing for foreclosure, I will not be able to afford the additional charges for foreclosure and legal charges. 
If I am not approved for the modification, I have options to borrow the money to bring my payments current. I can not get any certain answer that they would allow me that option prior to filing for foreclosure. If they do process for foreclosure, I will not be able to afford the additional costs. 
I have a wife and XXXX small children, ages XXXX XXXX XXXX  I am not sleeping at night with the thought of losing our family house. 
I feel the actions taken and the offers made, then changing the offer, is both fraudulent and misleading. I am certain it goes against UDAAP laws. I am not able to get a straight answer from Chase Bank. I do not know what to do.
Wells Fargo is allowing fraudulent activities and theft in the amount {$3700.00} in unauthorized checks in which I was not present over the course of XXXX months. I suspected fraud activity related to my account in early XX/XX/2016 and went in to a branch on located at XXXX, XXXX NC. At that time, I put a verbal pass code on my account and specifically indicated is authorized to make withdrawals from the account. XXXX on XX/XX/2016, an unauthorized withdrawal was made in the amount of {$2000.00}. At that time, I was informed that this money would be refunded back to me if I was not physically present to obtain the money. Since that time, there has been XXXX more unauthorized transaction made on XX/XX/2016 * {$1000.00} XXXX and XX/XX/2016 ( {$750.00} XXXX. Today I was informed that my claim for the {$2000.00} was denied because the signatures matched. This is ridiculous and fraudulent as I was not physically present to authorize these withdrawals. The XXXX is allowing this fraudulent activity and failing to verify identification and my verbal password for the account. My business has suffered as a result and my account balances are falling low due to the NSF fees of more than {$200.00} and these transactions. I am requesting that this branch pull the video and refund me my money and NSF fees for allowing these unauthorized transactions to occur this is ridiculous. Please be advised that I will file a suit for damages if these funds are not placed back in my business account. Additionally, I all NSF fees refunded since XX/XX/2016. On XX/XX/2016, Wells Fargo XXXX my account due to NSF fees and I have not been able to use this card since that time ; therefore, it is impossible to have withdrawals for this account without providing identification and my verbal pass code. 
This is my final demand before I proceed with a adversarial approach and file a suit in court.
I contacted Experian Credit Agency after my mortgage company informed me that there was a judgement listed against me on my credit report. I was surprise because a couple of months earlier, I had requested my credit report from " Annual Free Credit Report '' website and the judgement was not listed. I received a copy of my credit report from the mortgage company and they explained that I need have Experian remove this information. I proceeded to contact the creditor ( XXXX ), they explained that they never reported this information to Experian and proceeded to provide me with a letter explaining that the information in my credit report is incorrect. I forwarded this letter to Experian through their dispute center and U.S. postal Service. I received a letter a day ago stating that they would not be removing this information. I need this information removed, because is preventing me from obtaining a home mortgage. This information should have never appeared on my credit report also because is under the name of a company that used to own, not under my personal name. I will appreciate it if you could please help me resolved this matter. I have tried several times to remove this information from my records, but Experian refuses. I have attached copies of my credit report showing that the judgement was against " XXXX XXXX, XXXX, not XXXX XXXX. I am also attaching the letter from XXXX ( XXXX XXXX XXXX XXXX the creditor named in the judgement stating that the information in my credit report is incorrect.
The following " hard inquiries '' are being reported by all three credit bureaus ; ie, XXXX, XXXX, and Experian. I did not authorize these inquiries. I have disputed this information directly with the credit bureaus and the requesting companies, and I have not received any acknowledgment of my complaint or any response whatsoever. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
XXXX XXXX I XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # *******************Dear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to Account # XXXX with the XXXX credit reporting agencies. 
Although I made a late payment XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred XX/XX/XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
SincerelyXXXX XXXX XXXX XXXX
I recently learned that a medical collection account has been put on my credit report ( XXXX  ) by XXXX XXXX. It states it was first reported XXXX, XXXX. First, I have never received any written documentation from this company notifying me of any dispute and did not have the opportunity to validate, etc. Second, this company changes the amount owed by increasing it by {$1.00} each month and re-reports it to the credit bureau further damaging my score. It is my understanding per FDCPA that a collection agency CAN NOT charge you more than amount owed on any account. Third, I  constantly get phone calls daily numerous times after requesting I be contacted only via email or postal service as I do not have validation of this account belonging to me. I have requested validation and have not received. This company has numerous complaints filed against them for their continued unlawful practices. 

The XXXX has given AWA a rating of F. There are 30 closed complaints against AWA in the past three years, with 10 closed in the past twelve months. Almost all of these complaints allege problems with billing and collections, with 7 complaints alleging additional problems with customer service. The Consumer Financial Protection Bureau ( CFPB ) has logged 56 consumer complaints against XXXX since XX/XX/XXXX, alleging violations ranging from attempts to collect debts not owed, to inaccurate credit reporting, to misrepresentation and false statements. Justia lists at least 3 cases of civil litigation naming XXXX as a defendant. 

Further, in XX/XX/XXXX in United States District Court, Eastern District of Texas, a  judge issued an Order regarding a civil action brought against XXXX for alleged violations of the Fair Debt Collections Practices Act ( FDCPA ).
They have been GOUGING me with EXCESSIVE OVERDRAFT fees from about XX/XX/XXXX- XX/XX/XXXX, but the most recent is on XX/XX/XXXX for {$36.00}. I check this account daily and I am noticing that it 's  something not right. I 've spoken with someone several times and they 've all came up with different stories and reasons as to WHY I keep getting charged.
Fell behind on mortgage with Household Finance/Beneficial and made a payment agreement. Sent the first payment of more than agreed upon, but returned to me because it did not reach them within the date claimed ( takes time for mailing! ). The agreement was made after being denied for hardship assistance with the company, which in their denial recommended I do a short-sale or whatever, basically to get out. During this time I received several confusing correspondences within days of one another stating, thanks for the agreement, we want to help, etc. HUD does not assist on this company 's mortgages and HFC has a growing number of complaints nationwide on how they are taking back homes without working with consumers. I am one of them! Interesting that with 3 months of payments behind ( {$700.00} check sent back today ) that their interest in taking my home coincides with the neighborhood being deemed 'historic ', perhaps making this more valuable. Anyway, I am able to catch up over the next 4 to 6 months, but the company is claiming 'default ' and apparently about to start foreclosure. Our circumstance happened due to medical bills for XXXX and a garnishment I am resolving on my paycheck creating a better debt to income ratio within 30 days. HFC Beneficial has thousands of complaints listed online for foreclosures and difficult to work with. I am a witness and victim. Do NOT want to lose this home even though seems impossible to gain equity. Also they refuse partial payments, holding any payments sent in advance of a payment due without interest thus increasing the amount of interest owed - they apparently just hold it in escrow without applying any portion to payment.