WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX XXXX : Acct # xxxxxxxxxxxx To Whom It May Concern : This letter is regarding account # Xxxxxxx which you claim my account was charged off {$1500.00} 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 Experian, Transunion and Equifax ) 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. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number XXXX as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work.
XX/XX/18 On XXXX, all the information was provided completely and accurately ; however equifax refused to provide my credit report. The report was denied with no explanation.
I received a letter rom XXXX XXXX  on XX/XX/2018 re my credit report from accompany I have never heard of called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX WITH A PHONE AN website address stating my credit score was XXXX  which I was astonished because I had no idea your credit score could even be that low. plus information that is not correct such as too many inquiries and length of time since most recent delinquency too short I called the phone number and they told me I could order report from them ..but I had to provide my full drivers lis, social security and other information that I feel could compromise my credit safety. 
I feel because their information Is in accurate they caused me to not be able to get credit and improve my credit score but my credit score has  never been that low..ever
I received numerous phone calls from Portfolio Recovery Associates, LLC through day and night to my new telephone XXXX that I received from my cable company. I notified Portfolio Recovery that I am the wrong person that they are trying to collect the debt from. I asked them to remove the number from database multiple times and Portfolio Recovery refuse to do so.
TransUnion has several accounts that do not belong to me and inaccurate I have tried to dispute these with no outcome XXXX XXXX XXXX - Not mine never opened up an account with this company XXXX XXXX XXXX XXXX XXXX - Not mine never opened up an account with this company XXXX XXXX XXXX - Nothing owed and past due remove inaccurate
I am having a problem with simple bank and there where fraudulent Activity from  XXXX  in my Account there was a complaint Filled for this before and yesterday   XXXX   XXXX   XXXX     Simple Closed My Cheecking Account for no Valid Respond. And I spoke to Simple Support team and the Agents wo n't talk to me or Provide me any Informal about my account why it was blocked and closed this is Illegal and what this bank is doing its Againts Customers Policy its not my fault there is fraud Activity and what the bank is doing is discriminating me Please Helo ... And I get   XXXX   XXXX   Benifits on this account it 's not fair what this bank has done to me I want for simple to returned all my ACH Checks back to my Payer or Sender please help.
This BK keeps getting updated and they are not allowing me to dispute it. I went to the court and they advised me they do not give third parties information and denied me access.
After contacting the lender, XXXX A/C # XXXX, and the attorney involved with the bankruptcy, XXXX XXXX at XXXX XXXX in XXXX, FL, I have located all of the paperwork necessary to correct the issue, yet neither of the above companies will file the correct paperwork to the credit bureaus to fix the problem. I have all of the additional paperwork that was sent to XXXX that they said they never received in order to put this loan onto my credit reports. Someone in either company made a mistake but I should not have to pay for this very costly mistake. <P/>My additional complaint ID is XXXX, this is NOT A DUPLICATE. Someone in one of the companies above made a mistake, and it is being taken out on me. I need this reported on my credit report, as this is my lifeline being a XXXX mother of XXXX XXXX boy. I expect this to be corrected by XXXX, they have the proof of everything, but will not fix it. <P/>I have to purchase another vehicle soon, and this needs to be on my credit report showing the excellent payment history that I have provided.
I received a bill from Citicard XXXX for a Costco membership. I can not tell you my credit card number because I never received the Citicard XXXX and told them over the phone. Also, I told them that I no longer needed to be a member of Costco. I moved to my daughter 's home and she has a Costco card. They continued to charge me. Then, I wrote a letter to them. Today, I have a bill for {$110.00} for that original {$50.00}. I talked to Costco and they cancelled the membership.
I have been a Chase Bank customer for 8 years. Over that time, I have paid a high number of overdraft fees and monthly fees to the institution. I feel that these fees are unfair, unethical and a predatory practice by Chase bank. 

I have paid to chase in excess of {$150.00} in overdraft and monthly to chase fees in 2015 and much more over the course of my account being open. In the past 3 weeks, I have been charged over {$130.00} in overdraft fees on XXXX separate days where funds were unavailable in my account. In these XXXX cases, even though I transferred in money to cover the balance, Chase will not forgive the fees as Chase has refunded fees to me a total of 6 times in the past 2 months. Chase says that they have already refunded me {$200.00} in the past year, so they are entitled to any fees in the future, including this {$130.00} and any previous fees where chase only gave a partial refund. 

I do n't understand how a bank takes money from people who do n't have any to begin with. My account was overdrafted because I am struggling without money, not because of mismanagement. I even went to the branch and told them my story and how I was out of work and just started a new but Chase only relies on their computer systems and their system does not allow branch managers to refund a customer more than 6 times, even if the customer is showing financial progress, or if those charges came during a time of stress for the customer. Even though I turned overdraft protection off, Chase still charged me overdraft fees for ACH payments. 

I feel that this is unfair and unethical. This bank 's practices are specifically designed to be predatory and take advantage of people who are facing financial hardship. The excessive overdraft fees, charged multiple times a day are incredibly damaging for anybody who is trying to crawl out of financial distress. This is in addition to a $ 12 monthly fee that chase charges customers who have a balance below a certain amount. Chase bank 's goal is to keep these customers close to the brink, so that they can continue profiting off of these predatory fees in the future. For example, while my account had a balance of - @ XXXX, chase charged me another monthly fee of {$12.00}, resulting in a negative balance of {$15.00}. If I do not pay this - {$15.00}, which was caused by fees from chase, chase will charge me another {$35.00}, and then {$15.00}. This is disgusting. 

I lost my job in XXXX 2015 and found a new job in XXXX 2015, during that time I have had financial difficulty and hoped that my long relationship with Chase, in addition to the countless fees I have paid to the bank, would mean something to the company and that the company would support me in this time to stay afloat. Instead, there is not even a partial refund offered and the bank refuses to address the issue past their computer system. 

On top of that, as my account had a low balance, chase took an additional {$11.00}
On XX/XX/2017, I filed a complaint against XXXX XXXX with the CFPB ( XXXX ), you investigated and closed the complaint. XXXX XXXX, then gave information about my account to AFNI , Inc., they show the account number ending in XXXX. My credit report indicates AFNI created a phony account on XX/XX/2017, made it look like payments were made and then delinquent after a XXXX. This is fraudulent reporting and having a negative effect on my credit.
I was charged a {$37.00} late fee on my Cabela 's  account that has a balance of {$150.00}. In addition to it being an usurious fee ( 23 % ) I have been working with a collection agency on this account, to which it was forwarded after non-payment over one year ago. The collection agency, XXXX XXXX, set me up for recurring payments. I agreed to make two ( 2 ) payments on the remaining balance, which was around {$160.00}, at the end of XX/XX/XXXX. The first payment was deducted on XX/XX/XXXX for {$80.00} and a second payment was set for mid XX/XX/XXXX. Today I received a bill from Cabela 's with a new  balance of {$110.00} which has been adjusted to include a late fee ( which the collection agency should have reversed because we agreed on a payment date ) and an interest charge of {$2.00} ( interest that should have been stopped when I entered repayment with the collection agency over one year ago ). 
In sum, I am realizing that I am basically paying off late fees that accrued because the collection agency did not adjust my payment due date and interest that XXXX XXXX staff led me to believe would be arrested due to the closure of my Cabela 's account and agreement to work with their agency.
I applied for a loan on XX/XX/XXXX, with my credit union. When I asked for status I was told I was denied partly due to a " Charged Off '' account. My credit union had used XXXX as their credit reporting agency for my score and also my credit history. On XX/XX/XXXX I had received confirmation from XXXX that my credit information had been updated on this matter. My account in question had been paid in full, I did not take a settlement offer and paid the whole amount that was due on the account. When I had checked the other XXXX credit reporting sites this information had not been updated on my account. Upon reading information on XXXX website I found this statement, " If information in your credit report is changed by your lender as a result of a dispute, federal law requires the lender to notify any other consumer reporting company to which it reported the information. So if it is reported on all XXXX credit reports, it should be updated on all XXXX credit reports ''. Because this was not done, As of today XX/XX/XXXX have initiated disputes with XXXX and XXXX. Therefore, by submitting this complaint I have high hopes that this issue will be resolved so that other consumers will not have to go through this same situation.
Received calls and mail correspondence from First National Credit Bureau in reference to a 2004 XXXX debt that was a result of identity theft but was sold to XXXX XXXX and now has been sold to FNCB. This debt has not and can not be validated. I 'm requesting assistance in handling this matter properly and swiftly. This is considered junk debt being that it is XXXX years old and besides it was opened in my name without my consent. I have attached the original police report and letter I received from the collection agency.
Walmart sent me an unsolicited credit card from Synchrony Bank. The fine print says they have th right to share my information for marketing purposes. I do not want this credit card and do not want my information shared. I could not find information about how to have them stop sending me credit cards or offers.
Chase Mortgage has ruined my life. Just look how they reported ... XXXX LIE! If I 'd have been that delinquent, do n't you think they 'd have foreclosed? I have paid their cheating inflated unsubstantiated monthly note for 16 years since 2001. They SAID THEY THOUGHT WE WERE XXXX YEARS OLD, SO THEY 'D MISCALCULATED OUR PAYMENT! They ARE International criminals -assessed.what XXXX, or XXXX and supposed to compensate mortgage holders. Not me - they ALWAYS say I 'm behind " ... uh, because of escrow, or uh, because of shortage in last payment compounded blah blah liars liars thieves. I WILL get a forensic accountant to find where they 've done, besides two times they collected {$12000.00} cash on XXXX or they 'd foreclose!!! and then sold my house anyway, but I was at the sale and had it stopped! They SO LIE about all. another try, their lawyers had to have certified teller check for {$12000.00} on XX/XX/XXXX " or else ''. They Systematically deny my application for HARP or mortgage interest lowering '' the underwriters rejected your app '' they MAKE sure something goes wrong so that i ca n't qualify ... like the credit report. now i see the damage they 're continuing to do. I 've PAID for that house, which by the way, was an original XXXX in 2001 of {$150000.00}. This report is a refinance from 7.5 down to 5.5. THEN they said we were XXXX!!! The amount then financed was NOT {$150.00}, ooo. it was {$120.00}. Maybe someone can now investigate their ruination of me. THEY called my creditors - I always made my payments, but all of a sudden, all the vendors cut off my credit. I was stunned. Chase did it. Also, they say I was late all those times ... can no one see what 's going on? ALSO, Finally -- at XXXX, my husband got a LOT of pay from OT. Then, in XX/XX/XXXX or XX/XX/XXXX, XXXX stopped it. He still works a lot of events, but he stays HOME 2 or 3 days a week when that happens, then works 18 hour days. We lost $ XXXX every single month. Plus, we had a baby, and he never would take care - to doctor, etc. She got sick I out more than director wanted and I got FIRED!!! at XXXX. I found a great job, but 20 hours only. Still no 40 hour jobs avail. So, we went from fine, with savings adds every month (! ) to no salary from me + then XXXX, and no oT from him. Chase Mortgage THAT month jacked note from {$1000.00} to {$1700.00}, and kept for 6 months. They broke us on purpose, and I lost my good credit name.
XXXX This number " XXXX XXXX '' Calls Every day. MANY times a day, trying to speak to a " XXXX XXXX '' no such person is here, or ever has been. 
Its a Credit card place of some sort wanting me to open accounts. 
I speak to them, tell them no such person is here and remove my number. they do not, and call EVERY DAY starting very early, around XXXX
On XXXX XXXX, 2018 I tried accessing my online banking with Bank of the West. I encountered a verification communication that I was required to agree to, unconditionally and ongoing or not be able to access my account. I was not willing to agree to the demand and have now been unable to access online my business or personal accounts. After getting no result with phone customer service, or from the folks at the branch where I bank, I did some research and got the name of the bank president and figured out her email address and sent her a direct communication, as no one under her had been able to help me. I received an anonymous response from an associate of hers saying my complaint was forwarded to compliance and I'll hear back from them within 5 weeks. I wrote back that was not acceptable, as my business is in high season and now my livelihood was on the line, could they please help. I received a call from the online department who was able to bypass the verification block by having me reset my security questions, which allowed me online access at that time. However, I am still blocked. If I want to get online I must call and connect with the online department who then bridges the gap. The communication policy now being required offers no options other than unconditional release of my phones, email and other devices to receive unscreened, unsolicited communication of any sort, at my expense from their outside vendors and independent contractors for an open ended purpose. No guarantee that those vendors won't pass along the information either. HERE IS A COPY OF THE AGREEMENT I COULD NOT ACCEPT.. notice the term " for other reasons '' which leaves the door wide open.. 

By entering into an agreement with us, you expressly agree and consent that we, any of our affiliates, agents, independent contractors or service providers : May monitor and record telephone calls to assure the quality of our service or for other reasons ; May use written, electronic or verbal means to contact you ; and May contact you by using any email address or any telephone number you provide, including a telephone number for a cellular phone or other wireless device, regardless of whether you incur any charges as a result. 

By your entering into an agreement with us, you are expressly consenting to, without limitation, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems regarding any current or future accounts, loans or other banking services.
My kohls charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted kohls department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes kohls will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.
When a payment is made to my credit card, whether it 's done via an electronic transfer or from a check, the creditor holds my payment from my available balance for 5-10 days. In other words, if I make a payment to my credit card my money is deducted from my checking account almost immediately but it 's not credited to the card 's " available credit '' amount for a week. My creditor floats my payment and earns interest off my balance instead of applying my payment timely.
Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
On XX/XX/2016 Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XX/XX/2016 at XXXX ). 
Why was no notification sent to me, the borrower, that this transfer had taken place?
in XXXX of 2010 we purchased a car. in sc you have 45 days before payment is due. however they started in XXXX for XXXX payment even though we put down payment taxes title etc, at the time of purchase we were unaware of any problems and with my spouse having XXXX English from another country there was a time 1 yr later we had gone through a hardship and needed to break payments up. we were told to do so online and put wrong account # down by XXXX number. that " wrong '' account was active and excepted the payments all in full. it took us 2 months to be caught up. while out of town the car was repo. we came home 5 days after car had already been soled in atl ry. our bank tried to let them know with payment history that the funds were accepted on there end and confirmation was sent back to us. however they used the XXXX payment for reason to pick up car. the car was a 745 bmw 4 yrs old and. in perfect condition we owed XXXX left after a XXXX loan. and sold for XXXX at action in atl, within 5 days. our credit is terrible due to wells fargo stating we still owe XXXX with fees and interest. help please.
On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to XXXX, and XXXX on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.
We received an escrow analysis showing our payment was going up significantly. The taxes were wrong. Our local tax office updated everything to show a considerably less estimate of taxes due and we faxed to Roundpoint per their request five weeks ago. We were told it would take XXXX10 business days to receive an updated analysis and have our payments on track. It has been three weeks since this update would have been " due ''. We have spent countless afternoons on the phone with Roundpoint 's customer service trying to figure out what is going on and every time we are transferred to a new person or they keep us on hold for a very long time forcing us to give up. This last call the customer service rep laughed at me because I told her I 'm tired of waisting so much of my life on this and they told us it would be completed three weeks ago. We are a family of XXXX and can not afford the payment they calculated that is WRONG.