WillisBack/dataset-financial-user-claim huggingface dataset:
American Express lost its business relationship with XXXX, and the consumer was forced into doing business with XXXX moving forward. Prior to this merge I had a dispute that was submitted with American Express against a merchant that could not deliver ( after multiple opportunities ) on what I contracted them to provide. After providing American Express the information in the dispute and a short period of time, my account was credited the disputed amount and the matter closed. A month later my relationship with American Express ended with the end of their XXXX arrangement. A few months later and with my XXXX card this disputed amount mysteriously appeared on my statement! This was not a charge that was authorized on my XXXX card! It was a charge on my American Express card and the matter had been closed, as well as, my account with American Express was closed. Because of the account closure I was unable to discuss this fraudulent charge on my XXXX with American Express, I was directed to talk to XXXX. I have been back and forth dealing with a closed dispute with XXXX and a fraudulent charge that was NOT authorized by me. I have explained to XXXX that this is XXXX separate accounts, and no one is authorized to put charges on my card except for me the authorized user of this card! XXXX would like me to believe that the businesses merged and my account is with XXXX and that XXXX just took it over from XXXX, NOT American Express ; nonsense! Credit card relationships are unique to that credit card provider. American Express, and XXXX are separate business entities with separated agreements and terms and conditions. When American Express closed the account my relationship with them ended on that day. Any past disputed charges should be between American Express, the merchant, and myself ; not between a new credit card provider and a past closed dispute. PLEASE HELP!!!
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection  ( 8 ) ( D  ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation within  5 bu siness days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report a s : 1.    XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3.  XXXX    XXXX  ACC BL {$430.00} This account is a error please delete.   4.  XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.    6  XXXX   XXXX   ACC B AL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.
Midland Funding continues to try and collect a debt that was discharged twice in XXXX separate bankruptcy cases. The continue to tag my Credit report as though this is some sort of new debt. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
PayPal has a major flaw in their system that they refuse to address. They keep blaming the consumer and its costing people hundreds of dollars. 
I have XXXX bank accounts listed on my PayPal account. The first account we will call " Default Account ''. 
I authorized a transaction but I wanted to pay out of my new account, we will call it " Account XXXX '' for now. I selected " Account XXXX '' at checkout. The screen said " Your payment type has been changed '' indicating that I was now paying out of " Account XXXX '' instead of the " Default Account. '' A day later I noticed that PayPal had instead withdrawn money out of my " Default Account. '' I was upset because this cause the " Default Account '' to overdraft, resulting in a {$32.00} NSF fee. At this time I took no action because I had no proof that PayPal had made the error. I wondered if maybe I was mistaken and had forgotten to update the account settings, although that seemed unlikely. I let it go. 
A couple days later I tried to do the same thing. I made a purchase and chose " Account XXXX ''. The checkout screen gave a message that I had correctly updated my account choice. Again. I was confident I had done this correctly and went ahead with the transaction. 
One day later I called the company I was purchasing from to make a change in the product. They had to refund and recharge the same account to make the change. I was fine with this since I KNEW I had selected " Account XXXX '' A couple days later both transactions went through my " Default account '' instead of " Account XXXX ''. I was XXXX % sure I had chosen " Account XXXX '' during checkout and yet PayPal reverted the transaction back to my " XXXX Account. '' I now have a total of {$96.00} in NSF fees because PayPal is selecting the " Default Account '' every time instead of updating to the account that the consumer selects. 
Over the next week that company kept retrying the PayPal default and eventually I had a fourth NSF fee. I was powerless to stop this. I now have {$120.00} in NSF fees, all because PayPal chose the wrong account. I only authorized " Account XXXX '' and never authorized the " Default Account. '' I called and asked PayPal to refund the NSF fees and they refuse. They refuse to even admit that their system is causing this error. I asked them why they allow XXXX accounts on file if they ALWAYS choose the default account but they wo n't answer because they do n't want to admit fault. 
I know PayPal wont admit to their error but at this point it is BEYOND the {$120.00}. I know this must be happening to other people ... eventually there will probably be some kind of a class action lawsuit. But in the meantime PayPal is ripping people off and refusing to fix their mistake. 
If this does n't require the help of the Consumer Protection Bureau I do n't know what does.
Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this XXXX  has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!
I have attached my XXXX which shows i have not debt in my name. amerifinancial solutions have five accounts listed on my credit report and they do not belong to me and they is in violation of the FCRAand FDCPA. They did not send me a dunning letter giving me my rights to validate the debt and if they did i would like to see the letter sent by certified mail. According to15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if they have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes  this alleged debt, this is a demand that, they provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate their claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and their claim is verified/validated, they have no consent to continue any collection activities.I want a copy of a contract and not false itemized statements from some other company which is not debt validation.
I need to erase from my credit report, it appear money that i never took any loan from XXXX XXXX ... .... 

Partial account number : XXXX {$220.00} I never took any loan of this amount ... ...
OCWEN Mortgage company updated their ACH part of their website and somehow lost my payment that was scheduled to come out XX/XX/XXXX. They have blamed me for this mistake several times. Today XX/XX/XXXX I get a letter in my email that blames me for cancelling my payment. I never cancelled my payment! They just never want to be responsible for any mistake they make. This is poor customer service to say the least. This letter that they just sent is 3 1/2 month after the incident. It made me wonder why would you send it to me now? What are you trying to cover up?
In XXXX XXXX XXXX I got notice items were removed and added to credit report for Equifax. There was XXXX delinquent items deleted and XXXX new ( valid ) accounts added. On today XXXX XXXX XXXX I received notice my credit score had dropped and not only was those items added back but the actual new credit lines that was previously added has been removed. I call Equifax and was adviced there is nothing that can be done. Not only was I not notified, this is neg effecting my credit that I 'm working hard to repair. In addition I 've notified the bureau on several occasions they have incorrect personal information. The addresses being added were removed and added back. There should only be XXXX address which is XXXX XXXX XXXX XXXX Al XXXX
I received a loan from Mariner Finance 3 months ago approximately {$5000.00} with a promise to Pay interest up to {$7000.00} extra. I had no problem wit this because I planned to Pay the principal balance off before in 3 2mths which would be way before my end date. After my XX/XX/XXXX Payment I was told my Pay off balance was {$5500.00}. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. After my XX/XX/XXXX payment I was told my Pay off balance was XXXX. Now that it is XX/XX/XXXX I payed my bill of {$230.00}. I was told my payoff balance is XXXX. I am not a finance major but I know from previous experiences with purchasing that my Pay off balance should not go up. I don't know what Mariner Finance is  doing with my account. I NEED SOMEONE TO LOOK INTO FRAUD IT EXTRA CHARGES TO MY ACCOUNT PLEASE.
My wife XXXX and I took out a personal loan with XXXX Bank to be serviced by Firstmark Services. We received an email ( attached ) that explains our loan was accepted on XXXX XXXX 2017 at XXXX. We called Firstmark to discuss the payments only to find out the first payment is due on XXXX XXXX. Only 27 days after finding out our loan was approved. We spoke with a representative who told me they can not change the date due as it 's set between 30-45 days after the loan is approved. Unaware XXXX only has 28 days that put their current methodology 5 days short of their own practice. It also put us in a bind having to make a payment not around paychecks. We were then incorrectly told to speak to XXXX to change the date. We called them and were told they could n't change it and that Firstmark needed to. So I asked what the grace period was. I was promptly told " your loan has no grace period ''. I asked to speak to a supervisor knowing what she told me was illegal and wrong. They were gone for the night. I then called Firstmark back repeating the information that XXXX ca n't change the payment date but Firstmark would need to. They said a supervisor would call in 24-48 hours. I called back the next day and was told by XXXX supervisors the payment date ca n't be changed period. So the previous 30-45 day statement turns out is n't true either. At last the company tells me the systems have crashed at both XXXX and Firstmark.
1. I applied for a loan thru capital one auto finance in order to purchase a new van on or approx XXXX XXXX 20152. I got approved by capital one auto finance with no further documentation or verification needed. ( see approved and no doc needed email attached ) 3. I went to the dealer freehold ford to complete the process and obtain the " VIN '' number of the vehicle i was interested in and finalize the sale. 

4. As required by capital ones process and " navigator '' system i entered the " VIN '' into the system .The system came back with a approval of both the vehicle and gave me the Interest rate, Terms, and payment amount as in the attached " XXXX capital one approval '' email. 

5.The dealer XXXX XXXX was listed on capital ones website as a " preferred dealer '', however XXXX ford did verify my capital one approval etc however they was n't listed on capital one 's end of the system as a dealer since it was a revised financing program and were dropped as a approved dealer so the dealer had to resign up and get trained in the new processing procedure. 

6. I the Interim the dealer received the vehicle ready for delivery and i received a additional approval from a dealership financing source and signed a financing agreement at at much higher rate and payment in the interim until the dealer was fully setup in the system to finalize my deal from the dealer end .It was understood that i was to be financed via capital one ( see " i owe you '' doc attached ) however in order to take delivery they had another bank as well to fall on. 

7.The dealer finally got reactivated into capital ones system however they withdrew the approval verbally last minute citing that the vehicle " was commercial " and also " they dont finance vehicles over XXXX passengers '' to note, the vehicle was " approved '' by their " navigator '' system by giving me the rate and terms it did not state on the system that the vehicle was n't approved etc! otherwise i would not complete the sale or take delivery. so here im left with a vehicle at a very high rate and payment as outwardly the dealer stated that a lot of banks wo n't finance it as it can be considered commercial use however santander approved financing ( santander was only supposed to be to take delivery, until the dealer was set up with capital one ). 

8. On or approx XXXX/XXXX/2015 capital one sent a letter citing denial due to application submitted was incomplete or can not be verified which was untrue, as on the approval email it was clear that no further documentation or verification was needed and i received verification from the navigator software that the vehicle was approved and they provided the terms and payment amounts due. In addition the application does not expire until XXXX/XXXX/15 so the excuse for final denial is void and inexcusable
I submit a stop payment request on this payday loan from my bank, XXXX. I paid the fee of {$30.00} but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.
Due to accounting errors with PHH Mortgage, my account was erroneously placed into foreclosure I have obtained an attorney and have made numerous, concerted efforts to work out the issues through mediation and have provided both a deposition and a loan modification request. 
The loan modification was mailed - with delivery confirmation - on on XXXX/XXXX/16 and contained all requested information. 
There was no response to the loan modification request. On XXXX/XXXX/16, I received a " Notice of Sale '' for my property, with a sale date of XXXX XXXX, 2016.
Hi abo ut 5 y rs ago I contacted the original creditor  XXXX   XXXX , This account was an account open from Identity theft.  XXXX   XXXX  closed the account. I have been living out of the country for several years. and I pulled my credit and saw it was fraud. The closed it and promised to remove it off my rep ort 5 yrs ago.      I have Attached my utility bill to prove, I was living in  XXXX  from  XXXX   XXXX  And I have made updated police reports when I had returned and saw even more Identity theft.     Now in  XXXX    XXXX    XXXX  has sold the account to a collection agency, they put this account on my credit report and has been trying to collect  XXXX  on a  Fraud  account fro  m 5 yrs ago.
I did write a letter to the collection agency but I have not had a response.     I would like to have this RE- Removed off my credit report.
To Whom It May Concern, I have been disputing these three accounts with XXXX XXXX for at least 3 years now in regards to an unfamiliar account with XXXX and Belk. Unfortunately, due to the fact that these accounts are unknown to me, I can only give you the details that I have received through the credit bureaus and just once correspondence received from this creditor. 

So for starters, XXXX XXXX has been reporting a frivolous and unverifiable account on MY credit report, that is ( 1 ) under someone elses first name but my last name, and ( 2 ) without any verification documents to substantiate the data its reporting. 
Ive requested on multiple occasions, a copy of the contract/agreement bearing my signature as required by law to initiate this alleged debt. Ive also requested a full accounting of the alleged debt and any other intimate information that they must have in regards to my alleged obligation to it ( ie, a copy of the identity verification they must have obtained in accordance with the US Patriot Act ). However, they have refused to provide this information or even to respond at all ( except once ). 

I am attaching a copy of the most recent letters, certified return receipts, and proof of delivery to this complaint. I am tired of going back & forth with this company only to have them continue to violate my rights. Theyre not only damaging my credit report but theyre also causing me a host of unnecessary wasted time AND stress. Im at my wits end and I seriously need some help. So PLEEEEASE help! 

If theres anything else that I can provide to you at this time, please do not hesitate to contact me. Thank you and have a great day!
On XX/XX/18 i received a letter in the mail from CFSI of an attempt to collect a debt. I did not recognize this alleged debt and sent a request in writing for Validation via Certified mail on XX/XX/18. It was received by CFSI on XX/XX/18. CFSI has failed to respond to my correspondence in writing as requested. According to the Fair Credit Reporting Act, CFSI has 30 days to respond to my request for validation or they must cease reporting and has failed to do so.
Hello, I recently logged onto XXXX XXXX to pay find any debt I may have. I have been on XXXX for a few months now and recently received an income, which is the reason Id like to pay off debts owed. I went XXXX XXXX last year XXXX XXXX. I had suffered in XXXX to my XXXX XXXX, XXXX, up to XXXX XXXX. I had taken the XXXX at XXXX in a clients XXXX. I was forced to work the rest of the day without being able to XXXX XXXX or get medical treatment until a couple of days later. After being XXXX for my right XXXX I had reported feeling XXXX. I went to XXXX XXXX where I was treated for a XXXX that XXXX XXXX said may have been XXXX during the fall and XXXX  clothing. I had mentioned this XXXX to my work place but they said it had no revelance to the XXXX. Till this day my case is still open and today I paid out of my pocket for something I feel that my work place should have provided treatment for as well. The original amount due was XXXX today I was told the amount was XXXX. I paid the amount off and asked if this could please be taken off my credit record. I was told it could not but would reflect as paid. If you could please look into this account with Arcadia I would greatly appriciate it. I find it unfair to have had to pay out of pocket for an XXXX that was due to XXXX on a clients XXXX at work and not getting medical attention or being allowed to go home to at least XXXX XXXX. Now Im being told this will stay on my record regardless if I pay it off and the amount increased. Thank you for your time and attention.
I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to   XXXX   XXXX   XXXX   Since  insurance  company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with   XXXX   and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
In   XXXX   XXXX  ,  I was purposely provided with misinformation when opening a checking account with Bank of America using a  XXXX    XXXX   XXXX   issued check.  When the Bank's employee responsible for opening the account asked what brought me into the branch that day, I said my desire was to deposit a check to purchase a vehicle using an earnest cash deposit in a timed sensitive  XXXX  owner vehicle auction (paying the remainder when the entire check clears & pay a credit card bill.   from   XXXX   XXXX   in order to open a new account. Bank of America.  I reported a loss of a steal of a deal (practically) give away vehicle.  I requested Bank of America's Insurance provider with a claim number for the reported loss.    XXXX   XXXX   has not been cooperative.  I request expediting of the matter being that I'm a Veteran   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . Happy Memorial Day weekend!
I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was XXXX in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.