WillisBack/dataset-financial-user-claim huggingface dataset:
Despite my three requests to delete the speedy cash account that ad astra is trying to collect on that I do not own, Ad astra still remain to report the UNVERIFIED account. The account remain on my credit report in violation of federal law. In the results of AD ASTRA re-investigation AD ASTRA stated in writing that the items on the account is being reported correctly and that they verified the account sold to them by speedy cash that I do not own. I have never had a Contract with speedy cash or AD ASTRA and I still DO NOT have an account nor CONTRACT with the companies. They still have not identified who in their company verified the accuracy of the account or how they verified them. XXXX 's Law Dictionary, 6th edition 1990, defines " verification '' as confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in arerments or statements of persury. AD ASTRA failure to provide me with verifiable proof required for they company to post the account is evidence that it does not exist and therefore is proof that AD ASTRA can not properly verify the accuracy of the disputed account. Under section 611 ( 5 ) ( A ) of the FCRA, AD ASTRA are required to promptly " DELETE all information which can not be verified. DUE TO AD ASTRA willful disregard of the law I intend to pursue litigation in accordance with the fcra to seek relief and recover all monetary damages that i may be entitled to under section 616 & 617 if the unverified account are not deleted within 10 days. AD ASTRA is violating the law by not deleting the account after several requests for the account to be deleted if it wasnt verified. I am well aware that a bill is not verification of a debt. I also stated to AD ASTRA that I wanted to see a contract or something with my signature on it which they did not and can not provide because the account is not mine. AD ASTRA has it bad about not responding to a request and just putting verified as the dispute resoultion without correctly handling the situation. The law is very clear as to the civil liability and the remedy available to me.
On XX/XX/XXXX, I applied for a Capital One credit card online through a XXXX XXXX link. The site indicated a 7-10 day time-frame for a decision. On Wednesday, XX/XX/XXXX, Capital One contacted my son regarding my card application. My son nor his cell phone number were in NO WAY included on my application. My son does not live at my address. They called my son 's phone number to confirm that I had applied for the card. This is a clear invasion on my privacy. 

Before I knew about the call to my son, they called me and asked to me disclose personal information including last four of my SSN over the phone. I do not give out my personal information over the phone. I told them to cancel the application. 

After the call to my son, I called back the number that had called me XXXX. I was told that they the obtain information for various sources and that I was somehow connected to his number. That still did not give them the right to discuss my application with someone else. His number is under my husband 's plan, not mine, so they had to also obtain information on my husband to get my son 's personal cell phone information. We are a private family, and prefer to keep our financial matters private. 

Not sure if this conduct is legal, but definitely not ethical. I will not attempt business with this company in the future, and have a new card with another company.
My social security number was compromised in the recent XXXX security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. XXXX was able to process my request over the phone. XXXX ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. Experian was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised ( along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of XXXX then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of XXXX. This is seriously embarrassing and needs to be resolved.
Since XXXX 2016 when I was shocked to receive a collection notice for a telephone account fraudulently opened in my name, I have been trying to get XXXX to resolve the problem. I have submitted the requisite identification information and police report multiple times over these months, but have been unable to get any action from XXXX to remove the adverse information from my credit reports for this case of identity theft. The credit reporting agencies will not remove this adverse information ( the ONLY adverse information appearing ) until XXXX acknowledges the fact that the account is not mine.
My wife purchased a drink at XXXX XXXX on XXXX/XXXX/16. Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. EXACTLY XXXX minutes later an online charge of {$310.00} was made to XXXX XXXX, and an online charge of {$1100.00} was made to XXXX in XXXX and another online charge of {$320.00} made to XXXX XXXX was Declined by Wells Fargo. So it appears that 15 minutes after my wife purchased a Smoothie there were XXXX online charges made Fraudulently by a store employee who skimmed my credit card number. I have active Fraud cases open with Wells Fargo for these charges. She returned home immediately after buying the Smoothie so there was no other store purchases by her or myself. I was at work. I do not know who attempted these purchases. I assume they are female because of the XXXX XXXX purchases. So I am unable to provide the information requested above for the name of the person who committed this crime. I want to be refunded {$310.00} back to my card. I myself contacted XXXX to stop the {$1100.00} charge. Wells Fargo is saying they will not refund the {$310.00} because they show it was delivered to my address. It was not. 4 times a year this stuff shows up on 60 minutes where they get tracking info and wait for XXXX to deliver while you are at work.. Anybody can get any address from the name on your CC in 2 minutes from XXXX
These student loans are under federal fraud investigation that i have filed with My State, the XXXX  and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
It is absurd this law firm is permitted to function. They do and say whatever they want and the court just rubber stamps whatever they file. For one, they made publicly available every single credit card purchase I ever made. My case is not the only case this has occurred in. I know, because I went to the county court house and obtained credit card statements for these individuals and only the account number of a charged off credit card was redacted. This seems like a much larger violation of my privacy than the XXXX XXXX scandal. If this isnt illegal, then Congress seriously dropped the ball because the banking industry is regulated! Secondly, the fees on multiple writs they filed dont add up. The first writ filed XX/XX/XXXX costs are {$80.00} more than the affidavit of costs. Why when the fee for filing a writ is {$45.00}? The second writ lists costs are {$10.00} more than the first. Again, why when the filing fee for a writ is {$45.00}. On the third writ costs are {$150.00} more than the first writ. Again, why? It baffles me the court approves these writs when they do not have documentation to support the amounts listed. Finally, or at least the final complaint I am putting here, is they garnished {$280.00} from me and I have not been able to get confirmation this has been applied to my debt. Quite the opposite, I received a letter from Capital One claiming the balance is {$3200.00} only {$80.00} less than the writ served on my employer. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX requesting verification of the balance and they have not responded.
My debt was a parking violation at XXXX University on XXXX/XXXX/07. I paid the fine in full the morning I received the ticket. A few years later they tried to say I did n't pay it. I disputed it and it was removed from my credit report. I just received a letter in the mail from a debt collector that states the fine is their hands. Is n't this illegal? Does this fall under re-aging? I called the debut collector and explained my situation. I told them this was over 9 years ago and my documents have now been destroyed, but the debt was paid. They want me to mail the collection statement back to them with a written reason why I 'm disputing this charge. It 's a {$30.00} debt and I could pay it ... But how many times should I have to? 

Thanks!
I disputed the erroneous, unlawful, purportedly negative account from XXXX XXXX appearing on my TransUnion, XXXX, and XXXX credit reports. It is a direct violation of FCRA to report an alleged outstanding debt if there is an ongoing billing investigation. To report this to the credit report is grossly premature especially considering the unlawful overage charges for data and breach of contract for an advertised unlimited service plan. Upon conclusion of the dispute investigation, TransUnion deleted the account. I just received notification that the same XXXX account was reinserted.
My previous mortgage holder was XXXX since XXXX and they approved my modification agreement to affordable terms in XXXX XXXX. 
In XXXX XXXX I was notified by Select Portfolio Servicing Inc. ( SPS ) that my mortgage was transferred from XXXX and they were not obligated to honor the modification agreement workout from XXXX. 
Therefore SPS rearranged the agreement and added back the arrears that XXXX removed for the agreement terms to work. 
SPS increased the mortgage beyond what I could afford and the arrears began to incur additional interest and penalties. I continued to pay the mortgage until XXXX XXXX while trying to obtain a new modification agreement with SPS. 
For nearly two years I continued to apply for the new modification agreement with SPS. In XXXX XXXX I was notified that the modification application and two years of effort was denied. They stated the numbers did not work for their investors and underwriters. 
Subsequently, they recommended and approved a Short Sale option in XXXX XXXX with a relocation allowance. The other option was foreclosure losses, a damaging credit rating and no relocation allowance. 
A purchase offer contract was presented to SPS by the real estate agent in XXXX XXXX. SPS sent a Short Sale Counter-Offer letter XXXX XXXX, XXXX. Subsequently SPS sent a denial letter XXXX XXXX, XXXX stating " The Short offer presented does not meet our minimum acceptable net proceeds. '' XXXX XXXX, XXXX letter states SPS " has received your request for a Home Affordable Foreclosure Alternative Short Sale Payment Plan. SPS is unable to approve your request for assistance at this time for the reasons marked below. '' " We have determined that this option is not available at this time. '' I have owned my home since XXXX. I had financial hardship due to economic decline in my field of work as a consultant. They were errors in the transferring of my mortgage since it transferred over 4-5 times previously and I obtained attorney consultation to assist me with pursue the errors with other mortgage companies in addition to SPS not honoring XXXX modification agreement. However, I am unable to pay additional attorney fees for research of documents over the last ten years. 
The equity value in my home has diminished by over {$100000.00} since the banks transferring my mortgage were taking place in the last several years. My home was appraised in XXXX at {$250000.00}. The current mortgage is {$230000.00}, which include the payments, penalties and interest accrued since the XXXX XXXX when the Short Sale Option was approved and in effect. The current assessed value according to the bank is {$150000.00}. That is {$83000.00} under the value of the current mortgage. 
It is my ultimate desire to keep my home and have the terms affordable and the arrears removed to the back of mortgage as XXXX previously proposed. Also, I would like the current principal mortgage adjusted to the current market value as assessed by the bank.
I have been a credit card holder with Discover since  XXXX . I have been paying a monthly fee since  XXXX  for " discover payment protection. '' I called Discover today & spoke with a special sector of their customer service specifically for this exact issue. I never agreed to this and Discover is stating that I agreed to the terms in  XX/XX/XXXX , but will not provide me with any record of the agreement. I have researched this problem & there have been many lawsuits against Discover for this same exact issue. Most people have succeeded with getting all of the money they paid over the years back, but Discover is refusing to refund all money even though I never signed up for or agreed to the terms of having Discover Payment Protection. They only offered to pay back six statement periods of the charges & continued to talk in circles, never giving an exact answer or an agreeable solution.
I have tried on several occassions to resolve the removal of account of my report, they keep saying they investigate but never provide any details as to whom and what was provided to them showing it belongs to me, in which this account does not belong to me and should not report as collections. 
1. XXXX XXXX XXXX {$6000.00} is a debt showing from XXXX which is not listed on any of my CBR reports. This account does not belong to me, I called XXXX XXXX and disputed this acct and advise never had a car for this company they refer to XXXX XXXX whom claims this has been closed and statue of limitations has run out since from 2012, this account needs to be removed off my CBR, When I called XXXX which is part of XXXX XXXX they have no record. So not sure where they are getting the information this is mine, I have requested a numerous times proof of debt, proof of possession, signature card, this account has been open via fraud by the car company XXXX XXXX XXXX XXXX and I never took possession of the car that they are stating belongs to me.
I applied for a loan, the company called my bank with me on the line and verified my information. I was told that the I was approved and that the money would be deposited into in two business days. at that time I was offered to received the loan in one day by paying an additional {$12.00} fee. On the day the money was supposed to be deposited in my account. I received a call from the company saying they needed a different work number. I had provided them with my supervisors number. They called after the wire cut off and there was no way to get me the money in addition they had been given the only number to verify my employment. I spoke to my supervisor this week. He was intending to discipline me because I broke security procedure and gave out the phone number. I corrected him and told him I had applied for a loan. He said the person who called him did not present themselves as a professional and he thought it was a customer. He said had they been able to communicate properly he would have verified my employment. I took a loan out to buy a luxury I did not have the money to buy. The company had me sign the loan document and said it was done. They did not keep their promise, as a result I have suffered overdraft fees and I want them paid. The company called me the next day after the day I was suppose to get my loan they wanted a different number. The damage had been done I told them I wanted nothing to do with them. Why would I go through this process a gain. Because the people doing the verifying are not American and obviously do not understand how to communicate when calling and asking for sensitive information. they were not able to verify. I have suffered do to the incompetence of this company 's employee and I feel they should pay my overdraft fees incurred do to their inadequacy. No I do n't want a loan from them. I want reimbursement of the fees they caused me with their lies. If my loan was not complete, they should have said so. I signed a promissory agreement and was told my money would be deposited on that day not it may be deposited. It was suppose to be a done deal.
When I opened my savings and checking accounts, I specifically requested Santander Bank to not allow overdrafts in my accounts ; i.e. decline transactions that would result in an overdraft, if I did not have enough money in my accounts ( I am attaching a letter sent to me by Santander Bank that proves my request ). I requested this because I not always pay too much attention to how much money I have in my accounts. Selecting this option gave me peace of mind since I knew that if I wanted to pay for something but I didnt have enough money, Santander Bank would just decline the transaction and I would know I was running low on my balance. 

Beginning on XX/XX/XXXXsome payments using my savings account were not only not declined, but a ridiculous number of overdraft fees were charged to my account. I didnt notice anything because I didnt receive any text message or email alerting me of the situation. In addition, I changed my address and I received the first forwarded overdraft notice by the beginning of XX/XX/. However, by that time my mother ( another Santander Bank client ) and I had already contacted several times the bank trying to settle this issue.

Not only Santander Bank did not decline the transactions ( none of them were recurring payments, therefore, they should have been declined due to lack of funds in my account ) but also it began to record ( on XX/XX/2019 and on ) some doubtful transactions, none of which I was aware of. For instance, the same amount charged twice the same day ( charging me two overdrafts fees! ) and then, the following day recording something as ACH RETURNED ITEM twice, which resulted in me being charged two overdrafts fees AGAIN! 

We ( my mother and I ) have called XXXX times Santander Bank ( from XX/XX/ to XX/XX/2019; we have dates, names, hours of calls, etc. ) and we have been told every time that a supervisor is going to call us back, but no one has done so. At the middle of XXXX, we noticed that not only Santander Bank did not resolve my issue, but they actually closed my account and sent it to collections. 

To summarize, there are five ( 5 ) overdraft fees that should have not been charged to me ( 35*5= {$170.00} ). In addition, my credit report might have been affected negatively because of this issue. I exhausted every possibility to resolve this issue directly with Santander Bank and I have no other option, but to make a formal complaint against the bank. Santander Bank is not only charging me fees that it is not authorized to charge, but it is blindingly ignoring any and all of my attempts to resolve this issue. I request Santander Bank to write off those five ( 5 ) overdraft fees and to correct any bad report submitted to consumer credit reporting agencies, in case the bank had made a bad report against me.
This is the second time this happened. I sent money to my son XXXX and i had to call due to the fact my name is on a list for drug something or another but my name is a common name so the first time i had to call was fine but my name should 've been removed from that list so it happened last night again and the wait time to talk to someone is simply unacceptable. I will not ever be using Money Gram again. I am a hard working man and i should n't had to even go through that once let alone twice!
I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that ARS sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.
I had a transaction with a merchant that we were not able to resolve, so I filled a dispute with my XXXX XXXX XXXX card in which the charge was originally authorized. XXXX XXXX after receiving all my information determined that the merchant should reimburse me and credited my account and closed the matter for the amount in dispute. A few months later, XXXX XXXX closed my account due to the fact XXXX was moving to Visa. I have a new account now with Visa/Citi bank and the disputed amount is now appearing on my statement as a new charge. I called Citi to let them know that I did not authorize this transaction on my card and that this was a fraudulent charge due to the fact it was not authorized on my account by me. They are refusing to credit the charge because of what they say is carried forward business from XXXX XXXX and that XXXX XXXX is authorizing the charge due to the fact they ca n't get reimbursed by the merchant. These are two separate accounts and XXXX XXXX after resolving the issue has no business being able to authorize a new charge on my card on a matter that was credited and closed by them and trying to get made whole by charging my new account with Citi to get their money. This is 100 % fraud and no one at Citi after hours on the phone is willing to do anything about the fraudulent charges. Please help!!!
I was in an accident and their insurance company was responsible for my medical bill. I contacted them advising them of this information. I also sent documents of the company and I communicating on a settlement amount. I advised the creditor that once the company had settled it could be paid and could it be removed. Though it is my bill this company was responsible for paying it. I sent a copy of the settlement check and asked could the debt be removed because I was never responsible for the debt the insurance company was and that I would be willing to make arrangements to pay it. Instead of them understanding that an accident took place is the reason a bill ever came about and that company was responsible for paying the bill. All this was sent in writing with the companies name and settlement information and info saying that they owed the bill.