WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 a collection company by the name of " Debt Recovery Solutions , LLC '' put derogatory and inaccurate information on my credit report. It shows that the original creditor was XXXX and the client was " XXXX XXXX, XXXX ''. It shows the amount was for {$310.00}. On the credit report it shows that the account was open on XXXX 2015. I have not opened any accounts with " XXXX '' in XXXX 2015. I was not properly notified per the Fair Credit Reporting Act, so I was unable to verify the validity or dispute the debt. This is in clear violation of the Fair Credit Reporting Act. The only notification I received was XXXX letter from Debt Recovery Solutions dated XXXX XXXX, 2015 requesting to pay {$230.00} by XXXX/XXXX/15 which is a settlement letter. This is another violation since the creditor put the inaccurate/derogatory information on my credit report and reported it to the credit bureaus at the same time. This action is a violation of my consumer rights and is illegal.
This is a second complaint. In regard to your letter of respectfully declining my request for compensation. Let me list the errors of your bank. First Error : loan was paid in full however you bank did not release the lien. Second Error : I went to Chase Bank in XXXX KY on XX/XX/XXXX then my lawyer contacted you XX/XX/XXXX because it was not resolved properly. Also by the time it was received and processed it was XX/XX/XXXX. Third Error : Your bank lost the paperwork not my lawyer nor myself. Fourth Error : It should never have take from XX/XX/XXXX until XX/XX/XXXX to research and resolve this issue. Therefore Chase Bank is the proximate cause of loses in the amount of {$2000.00}. This amount is in line with small claims so, if you don't resolve this I will file in small claims court in XXXX XXXX KY.
My paycheck is deposited to my checking account at BBVA every XXXX and last day of the month. XX/XX/2018 fell on a banking holiday so BBVA elected, without notice to me, to withhold my pay until the following day. 

Due to financial commitments, I needed to access my money on the XXXX so I made 3 transactions that day. One was a cash withdrawal from an ATM and I was not given notice of overdraft when the funds were released from the ATM - as is typically noted if an overdraft will occur.

BBVA did not process my paycheck until XX/XX/XXXX. They then proceeded to charge NSF fees 3 times for the 3 transactions the day before. 

I continued using my checking account as necessary and had not spent more than my available funds - IF the bank had not delayed my payroll and applied NSF fees when they should not have. The balance continued to snowball and they applied more NSF. 

I contacted BBVA through their website and all I get are generic form letters in return advising of their overdraft policy. The problem of them withholding my pay, without permission or notification, was never addressed. 

Getting nowhere with the bank I filed a complaint with XXXX. A total of {$290.00} in NSF fees had been applied to my account between XX/XX/18 and XX/XX/18. Through XXXX the bank agreed to refund {$110.00}. They stated my employer advised to hold my pay until after the holiday so they were not going to refund the remainder of the fees. I verified with my employer that this was not true and I provided BBVA with proof of this. The funds were processed for distribution on XX/XX/XXXX. My co-workers received their pay on XX/XX/XXXX. Not only did I present BBVA with proof of the payroll process date, I highly doubt my employer ( a large corporation ) instructed pay to be distributed on time to all employees, except me. I believe BBVA uses this deceitful tactic to apply fees unlawfully. 

They still declined to make it right. 

Attachments here include : Confirmation from payroll on XX/XX/18 processing Balance of my account had the transactions processed properly
I submitted a letter to Transunion disputing XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. <P/>I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. <P/><P/>These accounts are fradulent and Transunion did not conduct a through investigation according to the FCRA. These Contracts were cancelled or rescinded and should not be reporting on my credit report. <P/>Transunion responded stating that it meets FCRA requirements which is false.
I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX Loan Servicing ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX XXXX XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.
Back in XX/XX/XXXX, I requested a loan for {$200.00}. I made a payment plan that allowed me to pay one payment of XXXX and XXXX for the rest of the payment every two weeks. I should be done by now, but I just noticed that I am still paying as of XX/XX/XXXX on a weekly basis. On top of that they lied in an additional document that I received {$500.00} from them when I only received {$200.00}. I didn't realize sooner because I thought I was paying my student loans that I owe. Is there any way that I can get my money back?
I was incapacitated recently and spent quite a bit of time in the XXXX and dealing with XXXX issues. Because of that, I was not as attentive to my other affairs which included my usual check of my credit card status. I noticed two charges on my card that I could not understand and contacted the Bank of America VISA offices for an explanation. We send funds on occasion to someone in a XXXX through a company called " XXXX ''. We expect to pay a fee for this service [ XXXX or XXXX dollars per transaction ] but we did NOT expect our credit card company to stack two additional fees for this transaction on top of the XXXX charges. The fees were called " Minimum Interest Charge '' and " Cash Equivalency Fee ''. Having heard of neither before, I inquired as to what these charges were based. Evidently, as best as I could understand the convoluted explanation, I had in essence given " cash '' to the person who received it and therefore had to pay a " Cash Equivalency Fee '' of {$10.00}! I maintained that I had purchased a " service '' from XXXX just like I would have done at a doctor 's office or barbershop, but NO, B. of A. does n't see it that way. When I inquired about the " Minimum Interest Charge '' of {$1.00} I was told that it was interest on the " cash '' I had supposedly given to the recipient! Consequently, our gift of {$50.00} had now cost us {$68.00}! Even though I process a significant amount every year through this VISA card they refused to remove this unfair practice from my account. I think this type of fee is one of the reasons for the existence of the CFPB and I wanted to protest this sort of usury by the Bank of America. I will be happy to assist in any way necessary to correct this unfair practice. Just a few years ago, when we would participate in a phone call to this person, we had to pay {$12.00} for a 20 minute call. There were so many complaints about this abusive practice that the situation was addressed and now it costs less than {$2.00} for the same call. If the CFPB had a hand in that change, I applaud your involvement. I think that my issues with B. of A. are equally as abusive. Thank you for your work.
Unauthorized inquiries on my reports. I have tried to contact the companies requesting to verify or remove the information with no response.
I have been experiencing problems with Wells Fargo Bank N.A . 
First problem : Wells Fargo Allowed a change to my bank account personal information at the request of an identity thief after I had submitted a 7 year extended fraud alert on my credit profile with the credit reporting bureaus. Wells Fargo should have contacted me personally with the contact information on my bank account profile in their computer before they changed my personal information. Wells Fargo changed my drivers license number and state of issuance, my country of origin, and my home address to those of the identity thief. I have proof of this because a Wells Fargo Banker at a local branch office in my hometown showed me on the banks computer that my information had been altered. He also gave me a printed copy of the changes that had been made. I closed the account since Wells Fargo did n't keep my bank account safe. 
The second problem I have had with Wells Fargo is that they have denied me access to online access to the Wells Fargo credit card I have with them. Wells Fargo sent me a letter saying they restricted my online access due to my identity theft issues. I have tried to contact them many times by phone to resolve the problem but I have waited up to 30 minutes on hold with their fraud department and often get disconnected. 
The third problem I have had with Wells Fargo is with their credit card processing service called XXXX. I have a business and needed to have a mobile credit card terminal to be able to accept my customers credit card payments so I purchased a mobile credit card swiper from XXXX and then signed up for a merchant account with XXXX. My business is legally registered as an XXXX in the state of Texas and I have documents and an employer identification number and a taxpayer number that I included in my application for a XXXX merchant account. I was sent an email saying I had been denied service due to credit report information from XXXX. I checked my XXXX credit report and found no negative information on it. I believe Wells Fargo is denying me the XXXX service simply because I have a 7 year extended fraud alert on my credit report. Instead of calling me personally to resolve these issues involving Identity Theft they continue to give me problems with every service I have, used to have, or want to have.
My Fed Loan Servicing as consistently mishandled my student loans since taking over my student loan process. In the last year I have had the following issues with the service provider. I believe that this service provider lacks accountability and oversight. The representatives do not take ownership for the lack of follow through and do not know the student loan process well. 

1. ( Current Issue ) I submitted a REPAYE request online and selected a one month forbearance during the time that my loan is being processed. I am currently making payments towards the Public Service Forgiveness program and will like to make continuous payments in order to avoid extending my payment length further. It has been over a month and my application has not been processed. I have made my {$5.00} payment and have received notice that my next month 's bill will be over {$1100.00} which I can not afford because the service provider has not processed my loan. 
2. For almost a year the # of qualifying payments for my Direct Sub/UnSub Loans have had different amounts of qualifying payments for public service forgiveness. I asked the servicer to reconcile these numbers because the loans were consolidated at the same time. The request had to be submitted multiple times. Finally the # was reconciled and it was reconciled to the lowest # of payments. Also, the servicer sent me another person 's loan information in the process which disclosed their personal information.
I'm filing this complaint because XXXX, XXXX and Experian refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my EXPERIAN report and there are 4 on XXXX  and 4 on XXXX. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. EXPERIAN, XXXX and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that EXPERIAN, XXXX and XXXX verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.
I WAS enrolled in the REPAYE program, which requires renewal of income and family size information every 12 months. My income and family size changed in XX/XX/XXXX, and I submitted a renewal form in or about XX/XX/XXXX or XX/XX/XXXX requesting a recalculation of my payments under the REPAYE program. By letter dated XX/XX/XXXX, Fedloan Servicing denied my request stating that it was not time for me to recalculate my payment. In XX/XX/XXXX, a notice was posted to my account requesting a renewal form. As stated above, the renewal form had already been submitted to Fedloan Servicing, and none of the information that I reported to Fedloan Servicing changed over the 5 month period. In XX/XX/XXXX, I received a notice that I have been removed from the REPAYE program, that interest is being capitalized, and that as of XX/XX/XXXX I will be required to make payments under the standard payment plan because I did not submit the renewal form. This causes my payments to significantly increase from {$250.00} a month to over {$2000.00}. My renewal form was submitted at the time that the change in income and family size occurred. This information has not changed. Fedloan Servicing has the information that they require for renewal, but they intentionally denied my request and disregarded the information that has been provided to them with the purpose of capitalizing the interest. I have dealt with Fedloan Servicing before regarding this same renewal issue, and going through their internal complaint process gets the borrower absolutely no where. They are not being held accountable for deceptive lending practices. I submitted my updated income and family size information to this company, to be proactive and to keep them abreast of my the changes that have occured, I am penalized for it. This is unfair practices, and they continue to find ways to capitalize on interests and prevent borrowers from paying off their debt.
I have 4 total accounts that are fraud and not mine. I have sent multiple I mean multiple fraud affidavits with police reports and my license and social 4 times. This is the last time I will send this letter before I sue all 3 credit companies These accounts are not mine and I have never done business with any of them. The collection account account does not even have a name on it this needs to be deleted asap. 

THe other 3 I have never done business and are ignoring my calls
Convergent Outsourcing, Inc. contacted me via mail, in reference to a XXXX account that was already Paid and settled back in XXXX of 2015 With XXXX. ( Copies attached ) In the point of me addressing this, I faxed them a copy of the receipt FROM XXXX. I followed up days later to confirm that Convergent had received the faxed information. and they would n't confirm. Overall, this is an unfair practice, buying and reselling debt acct, that is being dealt out by companies and corporations that negatively affect consumers and in turn can/will possibly end up on one 's credit report as well as a possible judgment against persons. and on and on. Is n't this fraudulent on some level?
Because Automotive Credit Corporation keeps XXXX documents they lost a payment of mine And repossessed my car early XX/XX/XXXX of this year. I had to pay {$1800.00} to get it back. I was told next payment was XX/XX/XXXX which should have been due XX/XX/XXXX. Unbeknownst to me since I got my repo car back on XX/XX/XXXX, the new due date became the tenth so on the XX/XX/XXXX I began getting calls. I called on XXXX and informed of the change. The most cost effective choice to minimize processing fees was to arrange an electronic fun transfer on my Next payday XX/XX/XXXX to cover two payments totaling {$700.00}. Woke up XX/XX/XXXX to car being repossesses from my back yard. I called and showed receipt and they said they voided the ECT payment cuz they had no record of my call though they had record of payment arrangement and I emailed a screen shot image of my call and call time. They refuse to correct this and say I owe {$1000.00} and now need a cosigner to get my car back or property out of my car.
I lost my job now Im back working tried calling to work something out no response but they got it on my credit report when I been trying to pay them with a payment plan for 6 months Now
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I had an overdue account with XXXX. The debt was sold to a company named EOS CCA who sent me paper mail and the debt was paid. The debt was {$500.00}. The debt was paid in full although I do remember thinking their form of payment was a bit odd as it was basically a cash transaction. On XXXX/XXXX/2017 I received an email from XXXX informing me there was a change in my credit report and as of logging in and looking at it I found it was a very significant drop due to EOS CCA reporting me for collections. I was never contacted by the company in any form. I did research and found that I was one of very many people scammed by this company and it 's fraudulent acts of business.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
I had received a medical debt from XXXX XXXX, I put in a dispute against them because it was a workmans comp claim, I then was contacted by National Recovery Agency who was also claiming the same debt. I filed disputes with both company 's and XXXX XXXX had it removed, I have made several contacts with NRA and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX
On my birthday i received money to buy a playstation. When looking for a seller i came across a guy who was selling one for XXXX . I sent him money and i waited a week for shipping and then he told me that the money transaction was messed up but it was n't i was confused for a while. Then one day he told me that i was dumb and he already spent my money.