WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a Checking Account under a bonus offer for {$250.00} if I did one of the following : Establish a {$500.00} minimum direct deposit or make 10 debit card transactions. I did both, but never received a bonus despite waiting approximately 1.5 months after meeting the bonus requirements. I emailed Wells Fargo about the issue, and they told me I would hear back in 14 business days, which did not happen. I spoke with a representative after that time, who claimed that the promotion I had signed up for had expired on XX/XX/XXXX ( I signed up on the XX/XX/XXXX ), which is impossible because the expiration date of my offer was XX/XX/XXXX as stated in the email I received stating the bonus was attached to my account. This appears to be a classic bait-and-switch and not what I expected when I signed up for this account.
I sent a letter via certified mail to XXXX XXXX. To inform them I am disputing a debt. 
Pursuant to the FCRA & FDCPA I exercise my lawful right to question the validity of this debt. According to the FCRA section 609 ( a ) ( 1 ) ( A ) -There company is required by federal law to verify through physical verification of the original signed contract. 
I requested them to provide me with a copy of the following. 
Copies of any and all documents showing I agree to pay, what they say I owe Copies of their bond and license to collect in California A copy of the agreement authorizing them to collect debt on behalf of the original creditor An accounting statement on how they reached the amount I supposedly owe A copy of the original contract I signed with the creditor, bearing my signature and S.S. 
The name and address of the creditor Copies of copies are not validation and by law are not considered proof. 
Under the FCRA unverified, invalid accounts must be removed. They were unable to provide me with a copy of verifiable/ validated proof within 30 calendar days. My request for the account to be verified or removed was ignored. 
They are obligated by law to verify or law or remove. This is a clear case of unverified debt. I was given no evidence or obligation to pay this debt. It has a negative impact on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX, Ca, XXXX
PORTFOLIO RECOVERY # XXXX, # XXXXI have a a unverified account from PORTFOLIO RECOVERY. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
On XX/XX/2018 I made a payment of {$150.00} to creditor XXXX XXXX, In. XXXX XXXX XXXX # XXXX XXXX TX XXXX www.XXXX. For an XXXX XXXX XXXX account. I paid the account in full and have a letter stating this account is settled. 

Six months later I got a letter from Receivables Performance Management stating I owe for the same XXXX XXXX XXXX account. I called to inquire and they advised me it would be taken removed, and it was XXXX XXXX XXXX that sold them the account again. As time passed I noticed Receivables Performance Management put a negative mark on my credit report for an account that was already resolved. I was confused because I provided proof of payment to Receivables Performance Management, and they advised me it would be removed. I called them again, and they advised me it would be removed from my reports in 30 days. I was given by XX/XX/2018. I checked my report after 40 days and it was still on my report. I called them back and they advised me it would be taken off in 60 days. Every time I call it's a different time frame. It still hasn't been taken off my report. When I filed with each credit bureau, each result came back with Receivable Performance confirming it was accurate information on my report. I asked for a copy of the phone call recordings, they advised me or security reasons they couldn't give me a copy. 

Receivables Performance management XXXX XXXX XXXX XXXX XXXX, WA XXXX.
The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
On or about XXXX/XXXX/16, I entered into a membership agreement with XXXX XXXX via agreement number XXXX. XXXX XXXX XXXX stated when I joined that there are several locations I can go to for the membership. However, it was later determined that the closest location was more than XXXX miles away from my address. On or about XXXX XXXX, 2016, I sent a letter to XXXX XXXX cancelling the membership. On or about XXXX/XXXX/16, I received a call from an employee stating that they will cancel the contract and refund all monies immediately. XX/XX/2016, I received a call from XXXX XXXX XXXX on behalf of ABC Financial Services ( XXXX XXXX ) stating that he is going to have me arrested or take me to jail if I do not pay the debt. I immediately informed him that it is illegal to threaten someone about a debt. I further explained to him that I sent a letter via certified mail on or about XXXX XXXX, 2016, requesting that the membership be cancelled and that all monies be refunded. I sent notice to XXXX XXXX XXXX. On or about XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from XXXX, XXXX, XXXX XXXX XXXX, attorneys at law on behalf of XXXX XXXX in regards to agreement account # XXXX in the amount of XXXX. On or about XXXX/XXXX/16, I sent a certified letter to XXXX disputing the debt. I want documentation on how they arrived at the XXXX when it is clear the membership was cancelled on XXXX/XXXX/16 as well as the gentlemen stating all balances has been paid in full.
XXXX XXXX the company listed the debt twice on my XXXX credit report. Then tried to call and say they was with the FTC and or I would be turned over to the police for not paying the debt. 

See Credit Report Collections Field.
As of XXXX 2016, my credit scores was XXXX, my debit to credit ratio was reduced, my credit limits were increased, as of today no negative information including inquires were place on my Experian credit report. I applied for a low interest credit cards and was notified my credit scores was lowered to XXXX. 
I attempted to reach out to Experian to obtain explanation and copy of the report, first problem which I have filed several complaint about, is due to the fact I have filed complaints against Experian I am now discriminatorily placed in a special department and only permitted to speak with one representative. If that representative is not available I have to wait days sometimes weeks for a response. 
In addition Experian database was attacked and I am suppose to have free credit protection and access for a set-period of time which I have been denied. 
I placed several calls to Experian to obtain copy of credit report and scores and rational for lowering the credit score to date Experian has refused to provide credit reports, scores. 
Each time I called I have been told I am able to go online to retrieve the report this is not true please find attached a copy of denial of online access from Experian. 
Therefore, I requesting the CFPB investigate the above mentioned discriminatory actions and enact, enforce laws that protect the consumers from this abusive practice.
I downloaded my free/annual credit reports. I chose to ask for a " free '' credit score from Transunion. I had to complete several pages of questions and no price was listed. I received the XXXX score, but I found XXXX charges totaling {$30.00} on my credit card statement. I called the customer service number within 24hrs ( XX/XX/2016 ) and told them I did not want their whatever service. The money was credited back to my account by XX/XX/2016. I notice on XX/XX/2016 that the credit had disappeared. I called again on XX/XX/2016 and they reaffirmed that the account was cancelled, but they would not return my money. I asked nicely nicely and quietly times, but toward the end of the conversation I called " Supervisor XXXX '' a liar, cheat, thief and she would go to prison and have her children taken away by social services. I also reminded her that I had cancelled the contract within 24 hours and she was " breaking the law. '' I doubt if she cared since it was blatantly obvious that she was not in XXXX XXXX. State, Federal, and their own policy allows me to cancel within an allotted time period which I did. I have a printout of the initial credit to my account which has now disappeared. I did not want their year long service and the cost was never listed and the " FREE '' disappeared. I was told that I received XXXX credit scores which I DID NOT RECEIVE. This is a deceptive scam and should be stopped. Thank You
On XXXX XXXX, 2017, a check for {$21000.00} ( final payment for total loan pay-off ) was received in error by the Department of Education for my private loans serviced by Navient. The address was provided by one of their representatives. I noticed the check was deposited but never allocated to my account. I called to follow up approximately one or two months later ( no communication received ) and was notified the check was sent in error and a refund was to be processed. I was told a new check would have to be mailed to the appropriate PO Box to be applied to my account. If I did not call, a refund would never have been processed and I would not even know an error existed. Interest continued to accrue on my account, even after a new check was mailed. I have called several times and representatives have told me a request to backdate the check would be submitted to remove the remaining balance. I have documentation and all representative badge numbers - The check was never backdated and interest continues to accrue on my account.
I attempted to withdraw {$300.00} from a  XXXX  ATM located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA on  XXXX   XXXX  and the funds didnt disburse. Instead the machine provided me with a receipt that stated the machine had technical issues and to contact the bank. I contacted netspend who advised they are invesitgating the matter and requested documents, I sent the documentations and  Iam be ing advised that updates will be provided by  XXXX   XXXX  but it normally take s 45-90 da ys to verify this information. This has never happened before and this is unacceptable.
Phoned XXXX XXXX Bank asking why they did a hard hit on my TransUnion credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use XXXX XXXX Bank. They use XXXX Bank. No reason why XXXX XXXX Bank created a hard hit then removed it. It will remain on my TransUnion report for two years according to TransUnion.
I would like someone at my XXXX to investigate a transaction I made on XXXX XXXX, 2014 to a company by the name XXXX out of XXXX, WA in the amount of {$1000.00}. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms.
My balance never seemed to go down only up. Too much interest. I do n't make enough to make a payment and support my family. Too many calls harassing about missing payments but never got a a call when I made a payment. The loans are more of a burden on me than anything that 's happened in my life. My education seems like a joke to have to be repaying all this money that in the end keeps on adding up and not decreasing. I have never been able to get a good repayment plan or help on getting smaller payments. The interest is the only thing that I feel that I am paying and not the actual loan.
I sold Bitcoin online on localbitcoins.com using paypal to XXXX XXXX. I sent her paypal invoice to pay on paypal. She wanted to send payment through Family and Friends option. I allowed her to do so. Each transaction was for {$1000.00} totaling {$3000.00} purchased on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 she opened dispute with paypal saying that it was unauthorized. Paypal sent me an email on XX/XX/2018 about this that they are reviewing. I logged in to paypal to find my balance showing as - {$3000.00}. I called paypal and I explained my situation. Later that day I found that paypal had resolved the issue and my balance was back to {$0.00} and not negative anymore. I was so afraid to use paypal again that I decided to close my account as I had never sold and never faced this problem before. Upon closing, I recieved an email from paypal that my account is closed and can not be reopened using same email. Just yesterday on XX/XX/2018, I got email from paypal saying buyers bank requested reversal for all {$3000.00}. 

All 3 transactions were authorized and the buyer sent me her ID with selfie and note saying this was nonrefundable. I also have all her communication and receipt of the sale. All payments were sent using paypal balance and her email. 
For paypal to close the matter and allow me to close my account and then to email me 5 days later does not seem right. If there is a negative balance, paypal never allows user to close their account. But my balance was set back to normal by paypal after they realized XXXX XXXX authorized this transaction and closed the dispute, there was no open dispute upon me closing my account. This seems to me like someone working at paypal/localbitcoins and working together with XXXX XXXX to scam people of their hard earned money by saying unauthorized transaction. This transaction was legitimate. I need your help in investigating this matter.
Equifax, due to improper handling of personal data, allowed a breach of personal data files. My files were a part of this breach, putting me at risk of fraud and identity theft.
on XX/XX/18 made a purchase for XXXX with XXXX XXXX. the flight was delayed many hours and XXXX  would not let me off plane despite repeated requests. Detailed letter of dispute sent but chase has not reversed the charge
Equifax has through gross negligence, leaked millions of social security numbers, dates of birth, and driver 's license numbers. These are things that can not be changed, so anybody who has access to this info can potentially steal my identity at any point in time. Beyond this, Equifax refuses to properly inform people who have been affected. Even their online system has been shown to randomly tells you you are affected or not. Now, to protect your credit, every person has to pay for a credit freeze and unfreeze and refreeze their credit every time they need to open a new account. With fees up to {$10.00}, a family of four stands to pay {$120.00} to freeze our credit and then each of us will need to pay {$60.00} to unfreeze and refreeze each time up apply for credit.
The following should be done : 1. Mandate Equifax to inform every affected customer by postal mail.
2. Make credit freezing and unfreezing free at all 3 bureaus 3. Based on the gross incompetence they have displayed, Equifax should not be allowed to maintain consumer credit information anymore. The other two agencies must have high security requirements mandated on them including periodic penetration testing and ethical hacking.
This complaint is for XXXX written dispute sent XXXX/XXXX/XXXX requesting removal of XXXX credit services based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from XXXX  stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof XXXX should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. XXXX is allowing XXXX to violate XXXX laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.
I 'm a victim of identity theft and someone stole and used my North Dakota driver 's license XXXX and social security card to apply for a XXXX credit card account. Whoever the individual is, that stole my personal information impersonating me, they applied for a XXXX credit card account fraudulently using my personal information. The following XXXX credit card account : XXXX is fraudulent and unauthorized. The account do not belong to me. I did not apply for a XXXX credit card account. The fraudulent XXXX credit card account is listed on my XXXX XXXX, XXXX and Experian credit report.
Everyday XXXX5x daily Barclays Bank calls for a debt I do not have ( XXXX XXXX XXXX
PLEASE NOTE : THIS IS NOT A DUPLICATE COMPLAINT****** Per Trans Union explanation of closure to remove/delete XXXX original Creditor XXXX XXXX this was included in this complaint and part of resolution this account was removed. I called Trans Union and talked to supervisor XXXX XXXX which informed me the XXXX XXXX XXXX was still on my credit report and not XXXX. This confusion which the supervisor XXXX XXXX refused to understand this is the same account and told me that I must follow the same again procedure of filing a dispute or contact the in creditor in writing to get XXXX for XXXX XXXX XXXX for XXXX to delete this dispute. I repeatedly gave XXXX XXXX XXXX the CFPB case number XXXX and tried to explain that XXXX XXXX XXXX XXXX was the same account on my complaint with CFPB. Sadly, to say XXXX XXXX XXXX still did not understand, yet assisted I follow his procedure by writing to creditor and filing another dispute. Supervisor XXXX XXXX XXXX ignore and refused to investigate my CFPB case ( XXXX ) where this matter could have simply resolved. However, supervisor XXXX XXXX XXXX admit that he is aware of the CFPB complaint, but took no action to investigate my complaint. Therefore, Trans Union did not honor their response to resolve this dispute. I would like for Higher Management to investigate this matter and please remove this error from my credit report and send hard copy of my credit report with the correction. 
Please see attachment Trans Union docx. ( XXXX ) Thank You XXXX XXXX
My loan servicer ( Navient ) reported a non-payment to credit bureaus after I transferred my loans to another company without properly informing me that I was still responsible as a co-borrower for one of my spouse 's loans. The letter I sent to them is pasted below. 

XX/XX/18 Dear Navient Representative, I am reaching out to you regarding a series of non-payments that were reported on my account beginning in XXXX. As a result, my credit score has dropped from over 800 to less than 700. Since I transferred the servicing of my federal student loans to another company last year, I was under the assumption that I did not owe anything. When I received E-mails stating that I still owed money after the transfer completed, I called Navient and was told to ignore the messages since they are automated. I even logged in periodically just to be sure, and my balance showed XXXX and transferred. Once I became aware of my falling credit, I discovered that the non-payments were from my spouse 's account. When we called to inquire last month, we discovered that I was listed as a co-borrower on a consolidation loan. Needless to say, I was perplexed since all amounts I have ever borrowed for college tuition had been transferred to the new servicer, and I had not received any postal mail notices or phone calls regarding the other account. Additionally, my name is not listed on her account when she logs in, so there is no way for me to know that I bore any responsibility for those balances. I did receive a couple of payment reminder E-mails, but again, when I logged in to my account it was still listing a XXXX balance. We have since requested a forbearance to deal with this issue financially, but I would also like to request an investigation into this situation, and hopefully the removal of the non-payments on my credit report. I have always been a good steward of my student loan obligations and do not have a prior record of payment irresponsibility. A copy of my credit report is enclosed for your review. Thank you for your consideration, and I look forward to your reply. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Bbva compass has now charged me twice in the amount of XXXX to remove XXXX dollars for a California levy order. XXXX dollars have moved from my account to the levy order, but bbva happily charged me XXXX for transferring XXXX dollars. After there was a negative balance they charged me XXXX dollars for clear benefits which will cause XXXX dollars in overdraft fees.
Round point mortgage is not giving us our insurance settlement check from our home flooding. We can not fix our home without this money, our home is sitting vacant and unlivable, with no work being done. We are current on our mortgage, always have been, and now are paying for months of rent in a XXXX bedroom apartment. We have XXXX children that want to go HOME! We have called repeatedly and are not getting anything from them, but the run around.
I previously attempted to get a dismissed public record removed from my credit profile with Equifax. They 've continued to report a confirmed dismissed bankruptcy on my report. It is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed for 10 years. The  FCR  act mentions nothing in Sect ion 168 relating to bankruptcy about dismissals or filings. The law mentions date of adjudication or ord er of relief. A dismissed case no longer exists in the eye of the law and a case filed  may have never been adjudicated. Equifax basically reports information that the government deemed nonexistent. In addition, I was referred by Equifax to contact the US Bank ruptcy court. The clerks at the courts stated that they do not report any information to credit reporting agencies. In addition,  XXXX   XXXX   ( th ird party reporting agency ) was unable to release information about this case- XXXX . Both   XXXX   and   XXXX    have already removed the information from my credit profile.