WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I visited a grocery store, XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and purchased groceries for the total of {$64.00}, the cashier accidentally charged me {$6400.00}. I did not realize this until after I had walked out of the store. I received a text message from Chase to verify the transaction, via which I declared the transaction fraudulent. I went back to the grocery store stated above and notified them of the error and that I declared the transaction fraudulent to my credit card provider. I then proceeded to have my brother pay for the groceries using his credit card for the appropriate amount. I did this as to void the entire transaction so I did not receive any benefit from the transaction for which I did not pay. On XX/XX/XXXX, Chase placed the charge back on my credit card account stating that I had received a benefit from the transaction and therefore it was not fraudulent. I contacted the merchant and they told me the funds were removed from their account by the credit card company on XX/XX/XXXX. They also provided me a screenshot of the transaction as proof. The merchant has agreed to resolve this issue by writing me a check for the fraudulent amount once they receive it from the credit card company if the credit card company is unable to resolve this issue. The merchant, XXXX XXXX, agrees with the statement above and have no quarrel with me about this transaction or receiving payment for the groceries. When I contacted Chase on XX/XX/XXXX in regard to this transaction, the agent on the phone notified me that Chase was in the process of transferring the money to the merchant. However, by XX/XX/XXXX the merchant had not received any funds. On XX/XX/XXXX I called Chase again and was told that the transaction will be expedited and the merchant will receive the funds within 72 business hours. On XX/XX/XXXX, the merchant, XXXX XXXX, told me that they had not received any funds. I called Chase again to see where they were with the resolution to my claim but I was unable to get in touch with a supervisor, the name of the agent whom I spoke to is XXXX. She told me that she is unable to provide me with the notes on the account and that she will have a supervisor call me back when one is available. I am still waiting on a call back.
XXXX credit points was brought down because of an account called MCSI Inc. I searched what that was in XXXX and is a debt collector of red lights violation to parking violations. I searched also that I should 've received a letter from them that I owe debt but I did not get any letter. I 'm very confused and frustrated with what 's going on. I have n't been driving for months and I have n't lived in the state of Illinois ( which MCSI is located and has to do with violations in Illinois ) for a year already. I would like to know what 's going on, do some agreements, and get my score back to normal as soon as possible.
I am writing to request that the account in collection placed on my credit report be removed. Under the XXXX XXXX XXXX Practices XXXX XXXX FDCPA XXXX. This is not a request for validation ... XXXX XXXX XXXX -- XXXX
I have a secured line of credit with Regions Bank and they are incorrectly reporting to my credit that I have a past due balance of {$31.00}. The account number is : " XXXX ''. I paid this account off months ago in person at my local Regions Bank and to this date, they have not updated my account to show it is paid in full. They have been reporting that I have been 30 days past due since XX/XX/XXXX and this is devastating my credit report. I brought this to the attention of a branch manager at my local Regions and he told me my account is paid in full so I do n't understand what is happening! The branch manager 's  name is XXXX XXXX XXXX, his phone number is XXXX and his email is : XXXX. I need this to be resolved as soon as possible because late payments are being added to my credit and I have already been told numerous times that there is no balance on my account. I am including a screenshot from a recent report which shows how Regions is incorrectly reporting that I am late on my credit. I am trying to build good credit history and mistakes like this are setting me backwards!
I HAVE ATTACHED BOTH EQUIFAX AND XXXX REPORTS IN REGARDS TO INCORRECT LIMIT AMOUNT AS WELL NO CREDIT REPORTING. 
XXXX XXXX XXXX : XXXX : LIMIT IS {$1000.00} BALANCE IS $ XXXX : **************** LIMIT IS {$500.00} BALANCE IS $ XXXX LIMIT IS {$450.00} BALANCE IS $ XXXXPLEASE UPDATE AND FORWARD ME A REVISE CREDIT REPORT COPY. 
THANK YOUXXXX XXXX XXXX
I can not seem to access Equifax in any sort of XXXX XXXX, so i can not file a complaint [ as well as their information being SO incorrect, I ca n't pass their 'verifications ' test ] I have been trying to get them to Correct the amount owed on a bill in collections, to reflect a " paid in full/closed '' balance. The debt collector reported to Equifax , a remaining balance of {$77.00}, down from over {$200.00}, but i paid the bill, in full, in XXXX. I have a receipt from the collection agency with the corrected {$0.00} balance, with no way to upload a digital copy. Equifax makes it exceedingly difficult to contact them if you can not manage to online. I Need this negative report off of my credit report as it has affected my ability to obtain other utilities since paying the debt off.
This company is reporting a debt I have no knowledge of and for which I never received a notice of debt from the company as rquired by the Fair Debt Collection Practices Act. Therefore, on XXXX XXXX, 2016, I requested they provide me with info on this debt per certified letter. ( see attached letter ) and they have failed to provide this information. This is a violation of the Fair Debt Collection Practices Act.
I disputed the address with TransUnion on the Public Record because it is not mine and they refuse to comply to my FCRA rights. The address for this case is not mine nor on my file yet they verified it as accurate. That is impossible because the address is n't the same as my addresses. How can they say they verified the address if it is different than any address I have? The rep tried to tell me they spoke with the court directly, which I know is not true. I asked the clerk and she said they are far too busy to be dealing with credit bureaus. She suggested I dispute the address because they wo n't be able to verify it and will have to delete it immediately. Well, I did everything she said and come to find out the XXXX party that trans union used verified this account regardless of the address not being verifiable. Is n't that subject to a fine or something for lying about verifying the address? I am on the verge of small claims court but I figure that 's XXXX way to upset them permanently! All XXXX bureaus are fighting me and I 'm to the point of suing every XXXX of them! Please remind them that when they ca n't verify something they need to delete it. Thank you very much! I attached the petition from the case # for purposes of verifying the address, which is highlighted. This is a case of them lying to prove themselves right yet they continue to violate my rights!
Since XXXX of this year ( 2017 ) I have requested Debt Validation from Calvary Portfolio Services, LLC. During the course of the past five months I have been ignored and this company has failed to produce ANY form of debt validation. However, this alleged debt is still being reported to the credit bureaus and is negatively impacting my credit worthiness. On XXXX XXXX I sent a third Debt Validation request via certified mail. The correspondence was received on XXXX XXXX. As of today XXXX XXXX, Calvary Portfolio has not responded. This company is violating my consumer rights and not adhering to the guidelines set forth under the FDCPA. 

This is not my debt and it should not be on my credit reports at all. 

I have included a copy of the third debt validation request I sent and postal confirmation of delivery.
There is an account that is unknown that is a mistake listed on my personal credit file. I need help I tried fighting this with no outcome
Public Records - Bankruptcy XX/XX/XXXX sent letter to XXXX XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. XXXX refused stating it was n't their policy to delete accurate information. 

I contacted Equifax with the same letter and the also stated it was not reported by them but sent to them by third party XXXX and they could not delete the item.
On XXXX/XXXX/2017 I reserved a car for purchase at Drive Time ( XXXX ). I was asked to provide a letter to show proof of an approved auto purchase from my bankruptcy trustee before reserving the car for purchase. After having received the approval letter DriveTime fails to complete the purchase transaction. On XXXX/XXXX/2017 I provided the dealership with proof of insurance for the car intended and was told i still could not complete the purcahse for the car. I was instructed to " hold on '' to my money. As of toady ( XXXX/XXXX/2017 ), I am without a car AND an explanation as to why. According to the sales agent at the dealership, I was approved for a purchase and the only thing preventing the sale is the communication from their bankruptcy department. For the past 12 ( twelve days ) I have contacted DriveTime for an answer. My sales agent is never able to provide an update. When I asked to speak to the general manager at the dealership to get escalated assistance, I was told that " there is n't anyone here in that capacity ''. I asked for their bankruptcy department contact information, my trustee was willing to contact them directly to help expedite the purchase. I was told " that department does not have a phone number '' I was further informed that I should call customer services for further assistance. On XXXX/XXXX/2017, I contacted the customer relations department at DriveTime, after explaining the situation to a representative, I learned that the dealership does have a general manager. To my dismay, the customer relations department did VERY little to try to resolve my situation. I feel as though someone should be able to directly contact the bankruptcy department at DriveTime and get information on my approval. At the very least, they should provide me with information on the barriers completing the sale so I can resolve them. To date I have provided the dealership with : proof of income, proof of residency, payment towards the car, my drivers license, proof of car insurance and the approval letter from my chapter XXXX trustee. I have even attempted to put additional money towards my reservation. I want to complete the sale or get a specific answer as to why not.
i have been trying to take my money out of coinbase but they would simply not let me. Coinbase keeps saying that I need to verify my address and such information and which is what i have been trying for 3 months. They continuosly give me automated messages and today i just received an email saying that I cant email them directly anymore. I have roughly {$3600.00} dollars in there. It is not a small amount of money. I need to be able to take it out and use it.
I had 7 student loans that were initially serviced by Nelnet. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. Nelnet has  responded that they did indeed report the status as Transferred ... however XXXX  still has not corrected the STATUS. They added a comment to the Remarks section but XXXX   did not update the STATUS. 

Below are the Nelnet account reported incorrectly. I've already filed a complaint with Nelnet and they stated they reported the status as transferred and that the error is with XXXX. So XXXX needs to fix. 

Below are the Nelnet accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My XXXX file number is XXXX
I am having multiple problems with Transunion that I want fixed so I can pursue a new student loan. 

1 ) An incorrect collection is being listed on my report from XXXX XXXX XXXX. XXXX wrote Transunion asking for it to be deleted, Transunion has not deleted this tradeline. 

2 ) a XXXX credit card account from 2011 is being listed twice - one incorrectly with a 60 day late. Not only is this past the DOFD, but XXXX XXXX has acknowledged that they do not recognize that account. It has not been deleted. 

3 ) Transunion has locked me out of online disputes. They said to call them to reopen it. I called an agent at Transunion a few weeks ago who refused to unlock my account. They are trying to keep me from filing disputes for inaccurate information on my report!
22-year old debt : 1. fixed income prohibits making regular principle and interest payments 2. debt grows exponentially each year - no end in site 3. no consistent tracking records available for accumulated penalties or interest 4. purchased by multiple companies so document tracking is fragmented/non-existent 5. to-date payments on {$18000.00} loan, approx. {$30000.00}, representing a 60 % ROI ( please See attached )
I opened a credit card account with Bank of America on XX/XX/XXXX and this account was closed on XX/XX/XXXX. I paid the balance on the account down to XXXX and I am still being charged a monthly fee on this closed account and it is affecting my credit report. I would like to address this issue by paying what is currently due and having this removed from my credit report completely.
XXXX XXXX XXXX ACCOUNT # : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX The original company is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX school has been settled. Enclosed is the letter from XXXX XXXX that account has been paid in full. One account was reported by two collections agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They reported one account in different assigned account numbers. Account XXXX and Account XXXX are for XXXX XXXX XXXX and the bill has been paid ever before these collection agencies reported it. 

XXXX XXXX XXXX ACCOUNT # : XXXX One account was reported by two collections agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They reported one account in different assigned account numbers. Account XXXX and Account XXXX are for XXXX XXXX XXXX and the bill has been paid ever before these collection agencies reported it. 

XXXX XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX FOUR DIFFERENT ACCOUNTS I contacted XXXX XXXX XXXX on Tel : ( XXXX ) XXXX. I spoke to Ms. XXXX XXXX. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows why they put my name with Equifax. XXXX XXXX XXXX XXXX is a billing company that is located in XXXX XXXX. XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by XXXX XXXX. They are not mine. XXXX XXXX uses XXXX XXXX XXXX  to post same derogatory credit reports. Please investigate XXXX XXXX XXXX. This company has no base in XXXX or XXXX county. 

XXXX ACCOUNT # : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX I contacted the company. The collection department rep was not aware why they placed this account on my personal credit. He claimed it was erroneously placed. It is a business account that has many shareholders and I am one of them. Account belongs to XXXX XXXX, XXXX Telephone number XXXX. 

XXXX XXXX ACCOUNT # : XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX I contacted XXXX XXXX to produce documentation from XXXX but only sent me bill that XXXX claimed that I owed. I do not owe XXXX any money. My contract has expired, all bills paid and equipment returned to XXXX. My daughter XXXX XXXX signed the contract with XXXX and I assumed the contract. XXXX XXXX needs to produce signed contract for my daughter and I or else remove the derogatory from my report. The bill produced by XXXX was not enough evidence that I still owe any bill with XXXX. XXXX billing system continues to generate bill and that was the one XXXX claimed I owed.
My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo claims that the total amount past due is {$40000.00} ( see attached ). The alleged claim is for 51 payments. The original amount financed was {$92000.00} at 4.25 %. Since the current P & I payment is {$450.00}, the amount of interest due per month would average around {$300.00} per month. Therefore the total amount of interest past due should be {$15000.00}. Since the escrow amount is roughly {$150.00} per month, the total past due escrow would equal {$7600.00}. Therefore the total amount due should equal {$22000.00}. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have also applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency ( see attached ). Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XXXX. Wells Fargo has refused to cooperate and has set a foreclosure sale date ofXX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.
XXXX is the previous complaint that was closed. The attachments are included with that complaint. 

XXXX added almost $ XXXX in interest to my account even though I turned in my application on time. They state the application was incomplete, however refuse to point out on the instruction sheet where I did not follow directions. I was in constant contact with them because they told me a different thing every time I spoke to them. I continued to follow their verbal directions. They eventually told me to resubmit the entire application. I did and then they told me it was too late and added XXXX to my loan. 

I filed the complaint with cfpb. They emailed me and stated they should have used the previous years income before counting it as late and took off the interest they had previously added. cfpb closed the case. XXXX then added the interest right back onto my account once the case was closed with cfpb. I emailed them again, and they sent me emailed and voicemails stating they are allowed to do this and literally restarted the entire issue. Every time I try to call, they act as if they have no clue about the entire case. They are continuously trying to ruin my credit. My XXXX in loans is now up to XXXX, which I will never be able to pay because they illegally added interest. They stated again I did not have the application in on time. Which I did. They stated it was incomplete and keep telling me reasons, but none of these reasons are actually on the directions sheet.
1. I have a USAA MasterCard. USAA wants to switch to XXXX. They have sent me notices that I can " upgrade '' to XXXX. I have responded that I do not want to " upgrade. '' 2. Reviewing my account on line, USAA has arbitrarily opened a XXXX account in my name. I do not have a new card, have not activated an account - but a new account is being shown as open.
I was shopping at XXXX XXXX and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to XXXX XXXX. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.
Sent a complaint through the CFPB regarding A D Astra Recovery Service. T he company stated in their response. That the first dispute that I sent out the collections accounts were removed. Upon pulling my credit report  XXXX . I found that to be incorrect. The Account is still showing on my  XXXX  report. The company has responded with false and incorrect information. The company also stated that they have a current bond in Texas. Upon looking a t the Secretary of Sate for Texas the company is NOT Bonded in Texas and can not le gally collect debt. Please remove from my credit report and confirm that debt is not owed.
first thing my mortgage started eleven years ago, started through my bank was sold to XXXX right away, i refinanced the mortgage went to XXXX, then over a year ago it went to Freedom Mortgage. My loan hit the 80 % LTV with XXXX long ago and asked they drop the PMI from my loan they said id need another appraisal and to get it down to 78 % so i paid the principal down to 78 % and asked it be removed again and XXXX said no it would only automatically be removed when my scheduled payments reached 78 %, so i asked when is that and they said XX/XX/2017, then over a year ago Freedom Mortgage bought the mortgage, last month they sent me a escrow projection showing me paying PMI another year ( at least ) i asked them to remove the PMI and they told me id need an appraisal.. i sent a response saying i wouldnt pay for an appraisal because not only were my scheduled payments reaching 78 % LTV XX/XX/2017, but that my mortgage is currently just over 72 % LTV. According to what i read about pmi insurance XXXX should have dropped the pmi when i actually hit the 78 % LTV, but my complaint is with Freedom Mortgage, from what ive read on PMI insurance they are clearly in the wrong and violating federal law by not automatically dropping the PMI on their, i shouldnt have to request this and especially not fight with them.. obviously the loan is good standing im several thousand dollars ahead of schedule with no late payments.
On XX/XX/XXXX, I mailed a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX   XXXX, XXXX. requesting debt validation. I received correspondence from Resurgent Capital Services dated XX/XX/XXXX stating that XXXX XXXX, XXXX, has initiated a review of the inquiry recently received. On XX/XX/XXXX, I contacted Resurgent Capital Services regarding the alleged debt and was informed that a cease and desist was placed on the account. Since XXXX, I have communicated with XXXX XXXX XXXX, XXXX. and at no time did I request cease and desist. On the contrary, my correspondence has specifically demanded debt validation. On XX/XX/XXXX, I again demanded debt validation from Resurgent Capital Services. On XX/XX/XXXX, I contacted Resurgent Capital Services again and informed them that I have not received the validation letter. The representative reported at that time, that while my account had been flagged, there was no record that a validation letter was sent. 
Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been almost two years, and I have yet to receive debt validation. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated to respond within the statutory time limit. Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission. I consider your agency to be intentionally ignoring my requests, therefore I am submitting this letter to the Consumer Financial Protection Bureau. 
In addition, I would like to remind you that collection agencies are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. Despite this, XXXX XXXX, XXXX. has continued to update the alleged debt to all three credit bureaus ; on XX/XX/XXXX, it was updated with XXXX and XXXX. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws.