WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from TRS Recovery Services XXXX Inc. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending TRS Recovery Services payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX I send them a total of {$150.00}. I called XXXX XXXX XXXX XXXX and I talked with XXXX XXXX ( collection specialist XXXX ext. XXXX ) I was told that they have n't received any payment from TRS Recovery Services and that they no longer worked with this company. XXXX XXXX told me to send her a copies of my checks made to XXXX XXXX XXXX. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to TRS Recovery Services about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. TRS Recovery Services owes me {$94.00}. I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to get an update and I was told I needed to get in contact with XXXX XXXX at TRS Recovery Services she is the one handle your account. I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I did n't get anyone.
Regarding stolen money orders. 
from XXXX Retail Money Orders department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These were bought with cash at XXXX XXXX, stolen from the XXXX, doctored and returned to XXXX XXXX and were cashed at XXXX XXXX_ They should have a copy of the person on video. Federal Case # CA XXXX [ ref : XXXX : ref ] money orders # Money Orders XXXX & XXXX XX/XX/XXXX to XX/XX/XXXX I went back and forth about these money orders to get a replacement from Western Union. 
Western Union is passing this off to XXXX XXXX and XXXX XXXX is saying they can't do anything until Western Union closes their investigation. I have talked to XXXX from XXXX XXXX XXXX and she says they are closing case # XXXX because it is still in the hands of western union. But the following corespondence shows that Western Union has turned this over to XXXX XXXX. 

On Thursday, XX/XX/XXXX, XXXX XXXX MDT, Money Order - XXXX XXXX wrote : Dear XXXX , Please be advised that the Forgery claim for Money Orders XXXX & XXXX have been initiated on XX/XX/XXXX and both are currently pending at the XXXX  XXXX XXXX XXXX . Just a reminder that Western Union does not investigate this claim, but the bank does. Western Union acts in good faith assisting you in an attempt to collect the funds and provides this service free of charge. 
Thank you for contacting Western Union. 
Sincerely, XXXX XXXX Western Union Financial Services , Inc . 
My letters were stolen out of the mailbox on XX/XX/XXXX. I started this process with Western Union on XX/XX/XXXX when I learned that the MO never credited to my credit cards. They were brought back to XXXX XXXX store XXXX. District manager XXXX XXXX has tried to get them to move on this but says XXXX XXXX told him they have 100 days to look into this. There is no promise yet that they will pay. They have had all the info to prove I did not cash these altered money orders but still refuse to deal with me.
I called to verify a debt that the debt collector can not validate. The attendant agreed with my findings and transferred me to the Operations Manager XXXX XXXX. XXXX did not even say hello, she immediately started yelling at me and threatening to update my account in requests that I did not make. When I asked her why she was being so rude and abusive she simply continued with the abuse. I asked to speak with her supervisor and she said he does not take calls and is never available to speak to. 

She said the call was recorded, so it would be very easy to hear the language and abuse that she treated me with.
Recently while conducting a monitor of my credit report I discovered that Key Bridge Medical Revunue has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Key Bridge Medical Revenue but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Key Bridge Medical Revenue to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that Key Bridge Medical Revenue is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.
I leased a XXXX XXXX XXXX. I had to pay my first lease payment when I leased the vehicle. XXXX XXXX is stating they are reporting all payments to all major credit bureaus. When I got my annual credit report this year, I noticed my first car payment was not reported on my TransUnion Credit Reporting Agency. In addition to my first car lease payment was not reported on my XXXX Credit Reporting Agency. I first attempted to repair the inaccuracies with XXXX XXXX XXXX, who sent me a history report that shows a first payment was made of {$320.00}. In XXXX I disputed the inaccuracies with TransUnion Credit Reporting Agency and with XXXX. I received my TransUnion Credit Report dated XX/XX/XXXX. My first lease payment is still not reflecting on my credit file, which also makes it appear as if I owe XXXX XXXX more than what I owe. I am due to turn the car in on XX/XX/XXXX. My last payment is XX/XX/XXXX. All I want is my fair credit reported correctly. I made a {$320.00} payment to XXXX XXXX XXXX on XX/XX/XXXX, yet the payment is not being reflected on all major credit bureaus. TransUnion placed a REMARK on my file stating DISP INVG COMP CONSUM DISAGRS. I requested a dispute, so that my first lease payment made on XX/XX/XXXX of {$320.00} would reflect correctly and accurately. Please investigate this matter thoroughly. This is an isolated incident, that may possibly constitute identity theft of some sort.
XXXX XXXX is reporting a debt on my credit for a contract with XXXX that cancelled in XX/XX/2015 due to financial hardship. The company allowed me to cancel the contract per their policy to consider hardships. I sent in the cancellation letter as requested by the XXXX at the time I needed to cancel. It was received. I was told by a representative the contract would be canceled and i would be released from financial responsibility. Years later, XXXX and XXXX XXXX not honoring the cancellation - it's being reported on my credit. I provided Experian with proof I submitted the cancellation, as well as the company 's policy on reasons for allowing cancellations. XXXX XXXX and experian refuse to remove the debt from my report.
I maintained an E-Checking account with Bank of America, which is an account without monthly maintenance fees. Without my consent, Bank of America automatically converted this account to a Core Checking account and automatically deducted {$24.00} from my account in monthly maintenance fees ( {$12.00} XX/XX/XXXX and {$12.00} XX/XX/XXXX ). On XX/XX/XXXX I contacted Bank of America XXXX and was transferred to a manager. The manager stated that I " should have been notified '' of the automatic account conversion for all E-Checking accounts to Core Checking account, and therefore would not reimburse the fees, which were deducted without my knowledge. I requested that an official dispute be filed for their company to review, and the manager declined. I requested a ticket number which documented the conversation, and the manager declined.
On XX/XX/18 I applied based on an offer from Capital One Auto Finance via their electronic application process. I received an approval and the contract to electronically sign and return. I did so immediately. The actual document and email I received stated Congratulations your application has been approved. 

On XX/XX/18 I received a call from a representative with Capital One Auto Finance stating they were not going to fulfill their agreement of the approval because I had a dismissal on a Chapter XXXX. I asked for a supervisor and spoke with a XXXX at XXXX extension XXXX who stated they would not proceed even after I received full confirmation of an approval. 

I have the email and the cover letter and the Loan and Security Agreement to validate my concern and claim. 

This is an unfair practice to have me approved, sign loan and security agreement disclosures and then call me to cancel the agreement. If the shoe was on the other foot I am certain they would say well you agreed and you have to meet the terms ; so should they be compelled to honor their agreement.
This is in response from complaint XXXX. The license was not my only complaint from this company. 

For complaint XXXX, I stated that I never received validation for the amounts they say I owe. In this complaint, CMRE stated I never requested validation, but I did so in writing several times. All I received was a bill showing charges they say I owe, but that is not validation. Validation is receiving a document that bears my signature that attests that I signed off or am responsible for those bills, anyone can send a bill. CMRE claims they received this bill from XXXX XXXX XXXX XXXX, but still has yet to produce validation with my signature. According to the Fair Credit Reporting Act, I am entitled to validation ... if not, the party must delete all collections and negative marks ( there are 3 ) from all reporting agencies. Is there a reason that I have yet to receive validation? Not an itemized printout showing charges ... that is not validation. If you do not provide validation, legally you must delete these collections or I will get my attorneys involved as that is fraud.
I disputed the referenced accounts above on XX/XX/2017 and XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the date of XX/XX/XXXX - XX/XX/2017. The credit report and alert received on XX/XX/2017 showed the item was removed between the dates of XX/XX/XXXX-XX/XX/2017. As of XX/XX/2017, Equifax now shows the items have been reinserted on my credit report on credit file confirmation # XXXX Therefore, I need your assistance in having Equifax remove the negative item due to violation of the FCRA.
On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the XXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.
XXXX  has been non-compliant with removing the unverified account NORDSTROM/TD BANK Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NORDSTROM/TD BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I got a call from Capio Partners Llc some times 2 months ago, they told me I was owing a medical bill due to treatment I got sometimes last year. 
I asked him few questions about the name of the hospital and why has the hospital not contacted me before reported it to the collection. He told me the name of the hospital and it was a fact that I was admitted there last year for 2 hours but I was curious to know why they did not get to me before reporting me to debt collector. 

I told him I will check with my previous job health insurance company, I did gave them a call and they told me I dont have any outstanding and I should be careful of scammers. 

After this, I made a call to the Hospital and someone promise to give me a call back because the person to check the record was not on seat. 

I did not get any letter or further calls from both hospital nor the debit collector but the report did appear on my credit report as Derogatory Account few days ago. 
Because I would not want to toy with my credit history, I quickly call the number on the report and after making my complaint I decided to make the payment so as not to give me negative impact. 

Though I had paid but this will have a big negative effect on my account.
I made a deposit at a Chase ATM on XX/XX/2017 in XXXX, CA for {$900.00} and the ATM only credited me {$800.00}. On XX/XX/2017, I withdrew {$500.00} to only receive {$280.00} from the same ATM in the same city. So in total I was shortchanged {$320.00} from XXXX different transactions that occurred from the SAME ATM. I expect a credit fo {$320.00} as this is in no way acceptable. When I deposit money at an ATM, I expect to receive no less than the amount that I deposited. Therefore, I would like a full credit for {$100.00} on the XX/XX/2017 {$900.00} deposit and {$220.00} for the XX/XX/2017 {$500.00} withdrawal. I do not know what is wrong with this ATM but I demand the {$320.00} be credited back to me ASAP as explained previously.
Fifth Third 's credit card division is saying I did not pay the settlement agreement that was agreed upon over 5 years ago. That was paid by a check over the phone and all I received was a letter saying that out of x amount of dollars, I owe {$500.00}, which was paid. I never received a statement saying it was paid in full, the person I was communicating with from 5/3 said that is what they issue. Unless I can find a bank statement from 5 years ago with the charge, they are threatening to take me to court and freeze all my accounts.
in violation of the fcra, credco continues to erroneously report my discharged bankruptcy past the 10 year non-reportable period. as a result I can not obtain mortgage financing. credco has flagrantly violated the fcra. 
on the civil side, I am represented XXXX. I am a highly skilled XXXX as well. if I am unable to obtain a very substantial settlement, XXXX will pursue this matter in each and every applicable federal and state forum. credco 's litigation costs would be staggering. while in office, XXXX championed consumer rights. he has told me that my case would be like taking candy from a baby!.
They have been several occasions where Selene Finance was paid on time and they charged us with late fees. Their payment due dates are between XX/XX/XXXX XX/XX/XXXX, we were told that if they were paid within those date ranges we would not incur any late charges. We began paying them on XX/XX/XXXX after I got off from work and they would still charge a late fee. When I inquired about why we were receiving the late fee then they said that we had to pay by XXXX XXXX. The problem with that is their system is down from XXXX XXXX to XXXX XXXX which makes it difficult to comply with their rules. <P/>In addition to the above mentioned, we decided we would chose a different Home Owners Insurance from what we had when our Home Loan was first sold to Selene Finance because we would get a group discount. Without our consent Selene finance changed it back to the original HOI provider and once we inquired about why this was done we were told that they didnt know. We then asked them if they would switch it back to the provider of our choice and they told us that we could but we would have to pay it in full ourselves and they would reimburse us the money they paid. We have many more issues with Selene that they have yet to address. <P/>Thanks XXXX & XXXX XXXX
Dear Sir/Madame : Approximately 1 year ago, it came to my attention that erroneous information was present on my credit report. I immediately contacted the collection agency regarding this matter via phone and then via written mail. My initial contact with the collection agency was met with hostility ultimately terminating in vile words being exchanged. After researching the matter, I determined that the collection agency was required by federal law to " verify the accuracy '' of the information being reported. Federal law is very clear concerning this matter. In my case, the data being reported is are three delinquent medical bills. Because of the nature of the bills, I requested very specific information regarding the debt that must be maintained and provided upon request. As this date, the information has not been provided nor have the accounts been removed from my credit profile. After further research, I determined that the credit reporting agency is required by federal and state law to " verify '' any disputed debt or remove the delinquent account ( s ) from the consumer 's profile. I immediately contacted XXXX, first via telephone and ultimately through multiple letters sent via certified mail to have the " debt verified '' or removed from my credit profile. Again, during the debt verification process, I have requested very specific information which is required under federal law to be disclosed upon request or have the accounts removed from my credit profile without prejudice. On at least two occasions, XXXX has contacted me via U.S. mail stating that the accounts have been verified but have not provided me with any of the information I have requested. In addition, they have refused to remove the delinquent accounts from my credit profile. As a result, I have taken the liberty of contacting an attorney regarding this matter. Through our research, we have determined that the collection company ( Collection Consultants of California ) has a well documented history of implementing deceitful, illegal and immoral practices. As a result, they have been successfully sued multiple times, currently maintain a grade of F with the XXXX XXXX XXXX   and a currently facing multiple lawsuits in both state and federal court. These facts were disclosed to XXXX, yet the steadfast refuse to remove the accounts. In a final attempt to resolve this matter without entering litigation, I have been advised to contact you to have this matter investigated and resolved. Thank you in advance for your cooperation and concern. I am truly appreciative of any efforts you make to resolve this matter. XXXX XXXX
OnXX/XX/XXXX My wife and I want to exchange a bad phone. XXXX told us they would set up a new plan and send us phones right away. They told me they would over night them for {$61.00} and I agreed. The next morning I received a text saying that they charged my account {$810.00} and I would receive the phones in 8 to 10 business days. I called them right away and told them to cancel everything. That was not what I agreed to and to return my money as soon as possible. XXXX told my that finance department would handle it and I would get my funds back in three to five business days. I waited three weeks and finally got my bank involved to dispute the charges. I never received any phones from XXXX!! I noticed a charge on a email message in XX/XX/XXXX for {$810.00} from XXXX and to pay immediately. I called customer care and they said they would fix the issue. I have since been turned into a collection agency for {$810.00}. For this reason I am submitting this complaint and I am seeking legal council to pursue legal matters to clear my credit.
I need CoinBase/XXXX to stop holding my money XXXX. 
They won't even let me LOG IN to see what happened to my balance. 
No one is giving me real answers and they *refuse* to give me any information about the status of my account.
On XX/XX/XXXX my friend called me upset because a lawyer called her saying they were sending deputies to her place of business to serve me with papers for a lawsuit. She informed them that I did not work there and was not there but the woman continued to be mean and told her to give me a message which was her phone number and a case number. 

I called the number to Walter Lee & Associates and was told by XXXX that it was regarding a credit card from XXXX. The woman claimed the card had a {$500.00} limit and I owed the bank {$700.00}. She went on to say I was being sued for over {$4000.00} ( she said the extra {$3000.00} was for court fees ) and a wage garnishment would be starting. I told her I had no idea what this debt was and asked why hadn't I been contacted before. I also asked why they called my friend 's store looking for me. I have lived at the same address for seven years and have received no mail whatsoever regarding this matter. I've had the same cell phone number for 15 years. The woman claimed the business was listed as my employer at the XXXX XXXX XXXX 's office. After hanging up I contacted the clerks office and was told they don't have that type of information. 

After going back and forth about me having no idea what this debt is about, I was told to ask for a chain of title from the bank that issued the card. I called Matrix the bank and was told they didn't have any information before XX/XX/XXXX and was told to contact XXXX XXXX XXXX where I was told to contact XXXX XXXX XXXX where no one answers the phone. I have left several messages. The recording says someone will contact you within 24 to 48 hours but its almost two weeks since my first call. 

I just want proof of this debt and I want this lawyer 's office to stop calling my friend. I also find it odd that this debt isn't on my credit report and just surfaced out of nowhere. XXXX has very bad ratings online and I can see why.
so i purchasex a XXXX western union money order i no longrr needex it so i toom the money order to XXXX XXXX XXXX a total of 3 of them that wouldnt pay me the money order says payable at XXXX XXXX but they wouldnt pay me its ridiculous and i am tired of the sham the we american citizens are faced with
Applied for an Amazon.com rewards visa card, was promised a {$70.00} Amazon.com gift card upon approval, but was only issued a {$50.00} card.
There are fraudulent items on my credit report with Experian. I sent them copies of my police report, ID Affidavit, and they refuse to block the accounts from my credit report. They also refused to remove the items off of my credit report and reinvestigate it anymore.