WillisBack/dataset-financial-user-claim huggingface dataset:
Io whom it may concern. I'm writing this letter in dispute of the Medical Data Systems debt of {$140.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I should have received a letter from the collector which includes all of the following : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor To my knowledge I had not received such a letter. The collector may be in violation of the Fair Debt Collection Practices Act.
So I filed bankruptcy twice. All my accounts were included in my bankrupctcy and closed out with a XXXX  balance. When I initiated a dispute with t he credit bureaus they responded and added all the loans back on my report with a deferred status. which brought my score all the way down. they changed the balances and kept the same date opened dates. by law this is illegal. i have tried to resolve this issue by just disputing the accounts but they they keep reporting as the accounts are accurate and opened.
A couple of months ago, after years of not having credit cards, I decided I needed some access to credit for a month or so to cover expenses. 

I applied for 4 cards one of which was the Chase XXXX XXXX and was approved and got the lovely card in the mail. 

I used the Chase card quite a bit with the knowledge that I would pay it off over the next 4 months when my projects finished and I was able to invoice my clients. 

After using a good amount of my credit on the unlimited card. I found myself declined for a purchase so I reached out to Chase. They informed me suddenly that my account was now closed and this was due to multiple inquiries and over usage.

You can imagine how shocked I was, especially since I made my last payment early and was on my way to establisshing a nice, reliable relationship with Chase.

Not only that, but they would report to the Credit Agencies that it was " Closed by Granter '' which frankly is absolutely unfair as now they decide to close my card and ruin my credit! For no real reason! 

I asked the rather rude fraud specialist manager that if I plan to pay this off and on time, why should that effect my credit and can you do something ... Nothing. I have never been treated as a new customer so poorly.

I ask you how fair is me joining the Chase family, utilizing the card given to me, paying on time, warrant a 7-year mark on my report and losing my card account?? 

I hope chase is the kind of company that will resolve this for me.
I am on the Federal do not call list. However the Compamy Oportun calls me several times a day for the last several weeks, despite requests to not call. I just hang up on them now. I have lived at my residence for more than 15 years. Now they have resorted to mailing Loan offers to people who do not live at my residence nor do I know them. 

The following two invitations using my address were mailed on the same day. 

Invitation # XXXX adddressed to a XXXX XXXX Invitation # XXXX addressed to a XXXX XXXX XXXX This is encouraging identity theft creating profiles for people who do not live at this address. When I called to complain they said they received this information from credit Bureaus. That I am pretty sure may be a lie, this information was given to me by XXXX XXXX who represented he was the Supervisor. I called back and spoke to XXXX XXXX and filed a report again the Report # he gave me is XXXX The interest rates offered on these loans is an APR of 44 %, and 49 %.
Person is constantly contacting my ex husbands cell phone looking for me from a National Debt Recovery number at XXXX. The last incident on XXXX at XXXX XXXX from a XXXX XXXX. This company has never provided any type of written communication, yet calls my ex husband and previous employer several times. I can provide phone records as needed. Person has claimed 'legal action ' implying legal action on an unverified account.
We bought a XX/XX/XXXX Honda Ridgeline XXXX in Arizona. XXXX XXXX financed our vehicle through Sentander Consumer USA XXXX. Sentander, never mailed us any financial paperwork, with our account number, or their company name, prior to our first payment being due. 
When they did contact us, we immediately sent the payment through XXXX XXXX Bank Bill Pay. Sentander then accredited our first payment to our account. 
We then scheduled our XX/XX/XXXX payment through XXXX XXXX Bank Bill Pay, Which they claimed that they did not receive, and they called us to complain. So we faxed the information they requested from our bank. We received a confirmation that they had received our fax, but they called us the next day, claiming they did not receive the fax information. When I requested to speak to a supervisor, she confirmed that they had indeed received our fax. 
Two ( 2 ) days later, they requested additional information to include a bank statement. We sent the information via fax, and the very next day, Sentander refunded our payment back to our checking account. When we contacted Sentander, they claimed the account number was not on the check. We have paid our bills from XXXX XXXX Bank Bill Pay for years, and NO ACCOUNT has NEVER claimed that the account number was not on the check. 
Since I had Sentander on the phone, I agreed to make XX/XX/XXXX payment over the phone. After giving Sentander 's male employee my card information, he said our payment was rejected because I did not know my Zip Code, which is XXXX. 
So I informed them that their XXXX payment had been scheduled to be paid on XX/XX/XXXX, and that I was mailing them check # XXXX for XX/XX/XXXX payment that they had refunded. 
On Monday XXXX XXXX, 2015 ( three ( 3 ) days later ) Sentander called us at XXXX. and again attempted to collect XX/XX/XXXX payment. There have been several calls, and we are tired of Sentander harassing us, and making false claims, and refunding payments that are made.
LVNV Funding is a debt collection reporting on my credit. I disputed this information because the debt does not belong to me. Company has failed to validate debt. I attempted to call the company multiple times at the number XXXX and they are asking for personal information saying I won a gift card. It appears to be a scam and thru are reporting on my credit report.
NOT MY ACCOUNT. CAN'T GET REMOVED. HAVE SEVERAL. VICTIM OF IDTHEFT AND STILL HAVING ISSUES SINCE XX/XX/XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1000.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
The debt collection agency continues to send letters to my address, even though the person who owes the debt is not affiliated with me and does not live here.
It appears that there is a major flaw in Bank of America software. Intentional or unintential not sure. But a deposit of a Check of Friday, or Saturday would not clear due to the bank holiday on Monday XX/XX/XXXX, would not be processed until Tuesday, which means the funds would be available on XX/XX/XXXX, well Bank of America software does not assume the holiday as it make on the deposit slip and online that the funds would be available on the XX/XX/XXXX but they are not, I understand why but do not understand why they posted wrong. This must happen every holiday causing much issues for people. I out several XXXX dollars and may have XXXX.me getting a mortgage
Experian has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed in my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton  611 ( 5 ) ( A ) of the FCRA - t hey are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.     Thank You
Collection company never contacted me about any outstanding bill I contacted them when they appeared on my credit report showing a bill was open XX/XX/2018 and appearing on my report effective XX/XX/2018. The alleged bill is not open over 60 days and I provided proof of insurance. They indicated because they can not verify insurance they are requesting I contact other office until they could verify my information. 

I have no debt with them, they claim I owe them monies and never received a bill from them. 

They received proof via fax of medical coverage and still refuse to remove. They are not complying with CFPB.
I purchased a Harley Davidson with a warranty. Every time I went to use the warranty Harley would not accept it and I would have to pay full price. I asked for the warranty cancelled and a refund and Harley refused. They used bait and switch tactics to place a useless warranty on my bike to increase my payments and the interest collected. They also engaged in predatory lending as my interest rate is excessive. I am requesting my warranty refunded and my interest rate reduced.
Portfolio Recovery Associates, LLC ( XXXX XXXX/XXXX ) is saying I owe a debt which I have no knowledge of. I requested that this company send me a validation with my signature on documents and they failed to do so. I have disputed this debt : therefore, until validated with documents bearing my signature your information concerning this debt is inaccurate. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. Please do n't respond to my request by saying that this account have been verified. Send me copies of the documentation in your file bearing my signature to verify the accuracy of this disputed account. If you do not have any documentation in your file bearing my signature in your file to verify the accuracy of this disputed account then please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
I spoke with & Paid XXXX ( Diversified Consultants ) {$380.00} settle amount on X/XX/17 at number listed XXXX. Although, this bill has been settle and paid It is still showing on mt credit report. I just do n't understand why do I keep getting the run around when I call to see who can help me get this removed because Diversified Consultants states the account has been closed since the payment went successfully and that the credit companies have not updated the information on there in. I was blessed with the money to do my part but noone wants to do there 's. I have attached the receipt from the payment I made & the confirmation letter that was sent from Diversified Consultants stating that it was paid.
Honestly, my experience with Navient has been a horrific nightmare since they took over from Sallie Mae. They have allocated funds to my 4 loans with them so one loan is paid off out over a year, and my other loan was charged off and they sued my dad ( who is a cosigner, and threatened to garnish his wages- he ended up taking out part of his retirement to pay his portion off to get off of that loan, but they are still coming after me ). No matter how many times I call, I get a different answer from these people. I graduated in XX/XX/2006, these loans should have been paid off by now, but the insanity of this situation is out of control. I feel like a slave to them. My online account doesn't show apples to oranges and their fraudulent practices make me sick! My credit is ruined, my father 's credit is ruined and I don't even know what recourse I have. How is one loan paid over a year and another loan in default? How am I paying them {$200.00} a month, and they get to chose how it's spent, and then I am left in the dark with ruined credit? I am absolutely disgusted and I want to know what my options are at this point.
Today XXXX XXXX, XXXX, I received a call from Concord Resolutions Phone Number XXXX. They left me a voice mail with a claim number to use when I contact them. I returned their call never using the claim number. Someone by the name XXXX answered and knew exactly who I was. XXXX recited the last XXXX digits of my social security number and what bank I use. XXXX stated to me that this was a call to collect a debt that I had taken out with his client in XXXX XXXX. XXXX also stated that I had a payday loan with his client XXXX XXXX who was now trying to collect. I asked him when did this loan occur because I have no information about a XXXX XXXX. XXXX them proceeded to state that they ( XXXX XXXX ) was a third party company to my original lender. He also said even if you pay your original lender, the third party has to be paid because the loan is generated from numerous lenders. I then asked XXXX who is the original lender. XXXX stated there was no other lender listed but XXXX XXXX. I then said to XXXX if XXXX XXXX is the third party you have to have information on the original lender. XXXX paused, then stated it was not listed. I stated to XXXX anything I do I receive PAID IN FULL letters from the consumer, so who is the original lender. XXXX then said to me to send him all my paid in full letters, him and his supervisor will go through them and find my lender and remove me from there call list. I explained to XXXX I was not sending him or anyone else my private information. If you do not have the information where this originated from there is nothing I can do for you. He paused, stated he understood and claimed he would be talking this matter over with his supervisor and would be giving me a call back on Friday. I asked to speak with the supervisor and that did not happen. After waiting about ten to fifteen minutes from hanging up with XXXX, I called back and the phone just rang with no voice answering machine to leave a message. I then blocked my number and called back ten minutes later and the phone just rang again with no machine stating who you called or any identifying information that represents a company. I then contacted the consumerfinance.gov who lead me to the ftc. XXXX did n't retrieve any important information. I changed my bank account number years ago so they were not successful in gaining access to that. I also found it weird because Concord Resolutions called my home phone number which is n't on any past papers I filled out because I just changed my number last XXXX. Also I always use my cell phone number as my primary because I 'm more reachable. 
Thank You in advance for letting me state my concerns. I want to help protect others from scams like this.
On XXXX XXXX, 2015 I received a collection letter from XXXX ; for debt that had been deleted from my credit report in XXXX 2015 due to CBE Group 's failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from XXXX ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.
My bank - USAA allowed a third party to do a complete takeover of my accounts. They were able to take {$9000.00} in Home Equity loans, transfer them to my debit account, and make XXXX Withdrawls of {$400.00} in a single day from an ATM. They did not catch this fraud until I brought it to their attention. They also " lost '' {$7000.00} of our money when it was transferred into a " Ghost '' account and did not apply the $ XXXX to our Home Equity line of credit. 
1 ) What kind of responsibility does USAA have to announce how many accounts this happened too? Wait time for fraud department went from XXXX to 2 hours leading me to believe this is widespread. 
2 ) It 's obvious Negligence when they do n't catch XXXX transactions for {$400.00} in a single day..do I have any options for redress due to their negligence? Myself and My wifes - name, birthday, Social Security number, and address are now in someone else 's control thru no fault of our own. 
3 ) Has their ever been an Audit of USAA 's procedures? How can they " Lose '' $ XXXX into a " Ghost '' account? I spent over 10 hours on the phone with them and ended up having to email XXXX of their executives ... and their CEO multiple times before they realized their accounting error. 

Any assistance in this matter would be appreciated.
I talked to someone on the phone named XXXX and was promised that they would remove the debt if the amount of {$340.00} was paid. I paid that amount and it 's still on my credit report.
I deposited a check that I wrote from my bank account and deposited it into another of my bank accounts. It has been 5 business days and they have n't released even XXXX dollar of the funds. Should I just have cashed the check at the originating bank and then deposited the funds? How long can they hold my funds? I have never deposited a bad check or overdrawn my accounts.
Re : XXXX XXXX acct. # XXXX and SCA Collections XXXX  acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.
This item needs to be removed. the original company XXXX is in violation of several renters right and are unlawfully having Resolve Partners report on there behalf. This is an Arizona State violation ( A.R.S. 13-1321 ). Not to mention Resolve Partners doesn't even have an Arizona license to be doing business or reporting in the State of Arizona.
After 2 submissions of disputes in regards to my identity theft and non action from the credit reporting agencies, I have no question but to submit this complaint as I have submitted everything according to there corporate policies and FCRA 605b. in regards to Identity theft.
Total amount due from the original company ( XXXX ) was XXXX upon disconnection including 3 % sales tax ; however, XXXX has informed On Line information services that I owe {$970.00} dollars whom has stated in a letter that On Line services has no duty to provide verification of the debt.
Account has been paid off and I have not used nor applied for another card. The account has an open credit limit of XXXX from XX/XX/2011. Please remove from my credit report. I have not and will not use this card.
i have been XXXX the last four years and the loans went into default. A collection company has taken over. I want to start repaying the loans but they are pressuring me into signing a program that i do not understand. they are charging me {$3000.00} in interest and a {$2000.00} fee for themselves.
My wife and I always accepted there calls. we ask them not to call a certain number due to my parents are sick XXXX.They still call. I spoke with XXXX XXXX she said she was a manager i explain to her that I was n't working I was trying to get my paper work in from the doctor so I can return back to work that I will send a payment in soon as I start receiving my pay check. XXXX XXXX made a statement saying do n't you need to go and aply for food stamps. I think that is very unprofessional. I ca n't help I had XXXX I was paying on time never missed a payment.
I had a storage unit at XXXX canceled it then moved my belongings out and my mother moved all of her stuff in. I discussed this with the receptionist and was told that my mother was not able to take over the unit it was going to stay in my name i was very frustrated but there was nothing I could do and the receptionist would not do anything to assist me. My mother made all the payments for her unit until she became ill and was unable to pay for her belongs and she contacted the storage unit several times to discuss this. They sold off all her belongings when she was in the hospital and sent me a bill. My mother is on XXXX now and can not afford to pay this bill. This debt is not mine and does n't belong to me.
I contacted Western Union for an issue with the funds attached with my Western Union account. I contacted Western Union on XX/XX/2015 at XXXX XXXX in regards to changing the name of the receiver for my Western Union payment. The first person I spoke with was pleasant and helpful, then the supervisor was called because the number was n't the same as the number on file. I explained that I had already changed the number and that the new telephone number was all I had. XXXX then told me that it was a " compliance department problem and they were the only ones able to correct the situation '' he told proceeded to tell " me to hang up because know one would help me ''. After demanding someone else to speak with, he placed me on the line with a compliance officer who told me that it was " in fact the customer service department and them only who could handle such a situation ''. XXXX, the alleged customer service manager at that point because immensely disrespectful and rude. He then transferred me to another person, a woman by the name of XXXX, who was acted as if she was clueless on the processes of the customer service department. She then placed me on hold for 35 minutes and then hung up the telephone. I am overall disgusted and dismayed with the care I received on the telephone and hope that this situation never happens to anyone else.
Companies- Experian/XXXX. Account.XXXX. Reporting inaccurate information on my credit report since XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX . Please remove this inaccurate item from my Credit Report as soon as possible if you have no proper reinvestigation proof. Thank you
should have been covered by insurance was told covered and now they have placed it with collections. I have spoken with XXXX clinic to resolve on muliti time and they do not seem to care.
EOS CCA / XXXX XXXX XXXX XXXX  has been sending me collection letters for around a year now alleging I owe them {$810.00}. I have sent them numerous letters requesting validation / verification of this supposed debt, starting XX/XX/XXXX up to XX/XX/XXXX. All my written requests sent to them were sent via certified mail with the USPS and I've verified delivery of each letter to them. They are also continually reporting this debt to the credit reporting reporting agencies against me, even though I've clearly disputed it with them. They have ignored every request for validation / verification I've sent thus far.
Mtg servicing was transferred from XXXX to XXXX XXXX XXXX. The new company charges a fee to make an online payment via ACH. This is completely unacceptable. The new servicer also is not setup for ACH with large banks like XXXX. Both of the 2 ways I pay all my other mtg servicers this one does not allow. 
Better oversight is needed with servicers since I have no say in when or how many times my loan is transferred to stop the hassle with these transfers and to require I have a way to pay without a fee. 

Charging to pay via a bank account on the servicers website should be illegal. How is it remotely acceptable to charge to make a mortgage payment? 

Please work with this servicer to change this policy so I can make my payment.