WillisBack/dataset-financial-user-claim huggingface dataset:
Chase Bank has requested my credit report without my knowledge on the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've sent written requests for proof that I had applied for these, Chase has not responded to any of the letters.
I have had a credit card with Capital One for several years. As part of that agreement is an annual {$29.00} membership fee. The account has mostly been at a XXXX balance for the last several years. Last year I was charged the annual fee and not provided notice of that fee. They charged several {$35.00} late fees which they agreed to waive once I made the membership fee payment which I did immediately. At that time I also signed up for text message alerts for balances and payment information. I received a notice from XXXX XXXX regarding a balance on this account. When I checked online they had once again charged me the annual fee and two late fees. As soon as I logged in I received the only text message notice from them since XXXX of this year which was not in regards to the annual fee. They would not agree to waive all of the late fees nor the interest they have charged for the annual fee which again I never received any notification of being due.
I SENT A XXXX CHECK TO EQIFAX AND ALL THE REQUIRED INFORMATION BY CERTIFED MAIL. MY TRACKING NUMBER SAID THAT THE DOCUMENTS WERE RECEIVED INCLUDING COPIES OF MY SOCIAL SECURITY CARD, DRIVERS LICENSE, COPY OF MY BANK STATEMENT SIGNED STATEMENT E-MAIL ADDRESS HOME ADDRESS TO FREEZE MY CREDIT PERMANENTLY. I HAVE NOT HEARD A THING FROM THESE PEOPLE AND MY CHECK HAS NOT BEEN CASHED. I DONT TRUST THESE PEOPLE NOW.
This debt was reported as unpaid on my credit report and was already paid to the original debtor. Called to have it removed and or updated and the person I talked with became very rude. This was reported after the account was paid in full
Credit card company changed terms and conditions of benefits offered immediately after I paid the annual fee. Previous terms allowed for XXXX free night after a minimum of a XXXX night stay, essentially allowing a XXXX for XXXX, or 50 % reduction in points needed on any properties. The new offer only allows for XXXX free night per calendar year on US properties only. This change has devalued the points and I would not of paid another annual fee had I known this would happen.
I have been dealing w/ XXXX , Transunion and   XXXX    for the last  XXXX  months regarding  XXXX  accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX , Transunion and  XXXX  advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XX/XX/XXXX . Transunion,   XXXX    continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.
I sent Equifax 2 dispute letters by now and all i know is that the accounts are listed as : Consumer Disputes information, I 've yet to receive letters regarding the outcomes of the disputes. More than anything I Want Equifax to provide me their verification process as IT IS MY LEGAL RIGHT UNDER FCRA 611 ( a ) ( 6 ) and ( 7 ) ... ... .... HOW DID YOU EVEN TALK TO THE COMPANIES!? THEY DO N'T EVEN LIST A PHONE NUMBER!!! SO I AM ASKING THAT EQUIFAX PROVIDE ME THE ''MAIL CORRESPONDANCE '' USED TO VERIFY THE ACCOUNTS WITHIN 15DAYS OF THIS COMPLAINT.

ACCOUNTS IN QUESTION : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, 4 ) XXXX XXXX XXXX.

I DEMAND TO SEE YOUR VERIFICATION PROCESS EXECUTED IN 15DAYS AS STATED IN FCRA 611 ( a ) ( 6 ) and ( 7 ).
I had an auto loan with XXXX and paid on it since XX/XX/2013. XXXX XXXX XXXX offered me a chance to pay off XXXX and settle up some late fees with them, but I didn't realize the amount of interest they were charging me. I borrowed {$19000.00}, and I am paying back {$29000.00}. {$10000.00} interest for another 5 years. Is this feasible or am I losing my old mind. I am a XXXX XXXX veteran struggling to make ends meet, but if they are within their rights to charge that much ; please accept my apology. Thank you.
Apparently Capital One has amended the Fair Credit Reporting Act. You really need to publish this particular bold infraction. I disputed a Capital One tradeline on my credit file. I received the attached letter from Capital One saying that they would not process my dispute unless I sent them a list of items in the letter. 
Now the FCRA only requires that I send my drivers license and a utility bill along with information from my credit file and the nature of my dispute. They also are mandated by federal law to record the current status of the item or delete it from my file. I sent this dispute on XXXX XXXX. I know the bureaus send the dispute to Cap One through E-Oscar and give them 10 days to respond. But it is now XXXX XXXX and Cap One says that they wo n't even process this dispute unless I MAIL them the items in their letter. How is this possible? There is no way that the bureaus can comply with the 30 day maximum time frame for processing ... so the item will remain on my file because Capital One is breaking federal law and usurping the bureaus administration of my dispute. This has all the ear marks of a huge class action lawsuit. Consumers having their disputes pressed beyond the 30 day time frame because Capital One refuses to comply with section XXXX of the FCRA and the bureaus being wilfully negligent of section XXXX simply because Capital One does not want to respond in their ten day time frame. 
I was told that XXXX XXXX once went to Capital One to discuss consumer disputes and their handling BY Capital One ... and that the XXXX XXXX representative said : " We want to make our database look just like your data base '' ... .but I never thought that the bureaus would get out of compliance with federal law BECAUSE of Capital One. 

This could be a landmark case for the CFPB
I have received numerous calls from Harris & Harris Lmtd. stating that they are a debt collection agency and I must call them. They do not have a live person on the line when I pick up, and provide no reference to said purported debt. As far as I know, I do not owe anyone any money. These repeated calls border on harassment and I wold like them to stop. 

If they have a legitimate claim, they would be able to contact me in a reasonable manner, with sufficient details such that I would be willing to address whatever the alleged issue involved.
I received a letter from XXXX with a debit card of {$50.00} representing a rebate because of prior repairs made to my XXXX Ford Taurus. The letter stated that if I did not want the debit card I could call XXXX to request a check of {$50.00} and cancel the debit card issued by the Bank of America. I paid for the Ford repairs in US legal tender and since I am entitled to a rebate I want my rebate in US legal tender and not in the form of a debit card issued by the Bank of America. I called in XXXX XXXX and cancelled the card and the customer representative from the Bank of America said that I would have the {$50.00} refund check in XXXX days. In the meantime the debit card was cancelled. I have not received the check and it has been 4 months and I have made numerous inquiries with the Bank of America and each time they say the check will be in the mail within 7-11 days. My XXXX communication was on XXXX XXXX, XXXX and the supervisor, whose XXXX name was XXXX promised that a check would be in the mail within 11 days. The check has not been received. I want my {$50.00} check in lieu of the debit card which was cancelled. I am tired of making telephone calls and being ignored. The number of the original debit card which was cancelled is XXXX expiration XXXX ccv XXXX XXXX XXXX
I have asked Vanderbilt Mortgage to remove the PMI from my mortgage. It is my understanding of the law that if I can show that my house worth Which was appraised at the time I refinanced it and It appraised at XXXX. I now owe XXXX I have met the requirement to remove the PMI I went on line and asked them to remove it they have n't responded to my request. again tonight I have asked them to remove it
I told First Merit Bank employees on XXXX XXXX that my wife and I would file complaints against it with the CFPB. Simultaneously, I presented a corporate dividend check for {$3.00}, cashed it, and then deposited the money into my checking account, as has been the pattern I have utilized cashing and depositing for the past five years. However, in retaliation, First Merit Bank employees at the XXXX XXXX, Ohio, branch afterwards put a hold on the check. Since no holds were ever placed previously on at least 99 % of my checks, it is obvious that First Merit Bank maliciously placed the hold in retaliation. Moreover, no employee of the bank notified me that there would be a hold placed on the {$3.00} check. First Merit Bank 's practices are against the interest of the public From the bank 's website re my account :. Date Type Description Withdrawal HoldXX/XX/XXXX HOLD {$3.00} HOLD ON {$3.00} DEPOSIT {$3.00}
XXXX entered a payment arrangement with me, in which they were to deduct my payments. I signed and returned the information. XXXX was going through a merger at the time with XXXX. The account was not even 30 days deliquent when I set up the auto pays, next thing I know, they marked the account 120 days past due, and charged off. I am upset because this has ruined my credit, and they wo n't respond or provide ACCURATE and full details of my payment record. I have tried to work with them several times, but it seems they do n't have the records, and are placing blame on my. If you view the payment reporting to the credit agencies- you will see the account went from paid on time to 120 past due in less than 1 month. They need to remove all of this information, I have given them 2 years to work with me or fix this, and it has ruined my quality of life and availability to consumer financing I would otherwise qualify for.
I recently applied for a loan with argon credit corporation for XXXX. I was approved, in a funding status and signed a contract to repay the loan. After a few days they never deposited the money into my bank account I called this loan company where my money was and they said they had a freeze on all loans and they would expedite my request to get my money. They later came back and denied my loan breaking their end of the signed contact and did n't give me my money.
Re checking acct XXXX XXXX XXXX # XXXX About 15 years ago I walked into XXXX XXXX in XXXX XXXX, FL, now Wells Fargo ( WF ), with my very old parents. We set up an account with me as power of attorney. I was not informed that at the death of my parents I would lose control of the account. The bank officer did not inform me of this and thus negligent. So when my parents died I lost control of the money. When I explained this to a local WF bank officer she winced. Since the account is worth {$2500.00} it does not pay me to spend {$2500.00} in legal fees to probate the estate. I want WF to own the mistake of their employee. They have a legal staff so it would not be expensive for them to represent me by filing for probate so I could get the money after probate. 

Six months ago, the WF officer in XXXX Fl, told me WF would escheet the money to the State of FL. Thus I could get the {$2500.00} without legal expense. This never happened. 

In a phone call to WF today told me WF would not deal with the issue.
My complaint is with Direct Express, the card the government uses to issue my Social Security XXXX checks. This is regarding the complete withdrawal of funds from my account with Direct Express from an ATM. Using a cloned credit card unknown persons at XXXX on the on the morning of XXXX XXXX, 2016 made several withdrawals from the account, each transaction was around {$300.00} for a total of {$1600.00}. They did suspend the account and issue a new card however ; after that first call we have been unable to speak with anyone. Direct Express has made no attempt to contact me to help resolve this theft from my account or assist in filing a police report. I 've long been a user of Direct Express and up until now have always regarded them as an excellent company. I have every faith therefore that they will do whatever they can to rectify this situation. 

Yours faithfully, XXXX XXXX
Hello, I am not usually someone who likes to complain or file complaints but I felt compelled in this situation because of the circumstances and the situation that I now find myself in. I am writing about a paid collection account with NCC Business Services. I paid this collection as soon as it was brought to my attention. This account is stemming from an old apartment that I had a balance with. I had no idea that I had a balance with them. I sent them the last payment and thought that the any monies owed were taken care of. As soon as it was brought to my attention I took care of this account and I thought that the matter was resolved. My credit score has dropped about 90 points as a result of this paid collection reporting on my credit report. Prior to this, I had no idea and I didnt receive any notification, written or verbal that I can recall in regards to this account. I cant help but feel a little cheated here because I am now trying to purchase a home for my elderly mother who is XXXX   and XXXX  and whos medical needs require her to live in close proximity to her medical providers office. I dont know why this systems works in a way where you are still punished for taking care of any obligations let alone obligations that you had no prior knowledge or awareness of. Seeing my mothers health decline has taken on a very heavy toll on me and Im beyond frustrated that Im unable to give her a qualify of care and comfort that she deserves due to one paid collection account that will not be deleted from my credit report. 

I ask that someone please assist me by putting in a request to remove this account. I hope someone can find it in their hearts to do this.
In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is account opened with HSBC Bank for over 7 years that is not known to me which is in default and is the reason why my credit is reporting so badly. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account opener.
Debt Collectors are attempting to steal my home after the debt has been discharged lawfully in a Chapter XXXX bankruptcy. Discharge paperwork lists mortgage as fully discharged. Interlopers are trying to force me out of my home with threatening unsigned letters. I have made numerous requests for the full account loan data which have been ignored. I have also sent FDCPA Validation Letters that have been ignored.
Received a phone call on XXXX XXXX 2015 from XXXX @ XXXX with caller ID as 'UNAVAILABLE ' Left an automated voice message stating " This message is for XXXX '' XXXX Immediately, I recognized the caller had the 'wrong number ' because no XXXX resides here ) and continued to state, "... this call is not a sales/marketing call. Hunter Warfield is a Debt Collection Agency and advised to call XXXX between M-F ( EST ) XXXX - XXXX When calling refer to number ID : XXXX. '' A return call to the toll-free and local number, each call was answered with the name Hunter Warfield in the greeting. Apparently, they are a debt collection agency. Area code for XXXX is XXXX, Florida. http : //ww2.hunterwarfield.com/ Mailing address for : Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX / XXXX : XXXX XXXX : XXXX
A double payment was taken out of my account and I have been trying for two days to have Loancare reverse the payment. They give an estimate of a week before they will return the payment that was their mistake due to computer issues they had this weekend. I am not the only customer in this situation and it would be helpful if they returned the payment in a timely manner.
Today, XX/XX/XXXX, I went to Lowe 's to make a purchase with an understanding that I had $ 1500+/ {$2000.00} available credit, only to be declined at check-out. I called XXXX XXXX at the Lowe 's Customer Service desk only to be informed that on XX/XX/XXXX, they closed my account without any notification they were closing my account. I was informed by a XXXX XXXX representative that they closed my account due to a recent credit review. I informed the representative that my credit history/score is actually better/higher than when I first opened the account in XX/XX/XXXX. I informed the representative that the account closure was unwarranted and significantly dropped my score due to the closure. 
I have never been late on payments for this account or any other account I currently utilize. I do not generally carry a balance on credit accounts. Upon research, XXXX XXXX is notorious for these banking practices by closing account ( s ) without warning and without warrant of doing so. XXXX XXXX is utilized by multiple corporations by offering store credit cards and I will never utilize this bank for future credit offers by any store that uses this bank. I will continue to utilize my other reliable credit accounts to make all my purchases.
Bought a XXXX XXXX and went through Toyota Financial XXXX XXXX, XXXX. The pay off date was XXXX XXXX, XXXX. I told them that I usually pay off loans early and asked if there was a pre-payment penalty and they said no. I paid it off in total XXXX XXXX, XXXX. I called and asked when I would receive a refund since I was unable to reach them for a pay-off amount due to holidays and so just paid the full amount. The first time the lady actually said I did not " deserve '' a refund and the second said they prorated my bill. I received an amount for the total payoff for 5 years and paid it in total. I read through my contract and found a clause c. that states " How late payments or early payments change what you must pay. We base the Finance Charge ( FC ), Total of Payments ( ToP ), and Total Sale Price ( TSP ) shown on the assumption that you will make every payment on the day it is due. Your FC, ToP, and TSP will be more if you pay late and less if you pay early '' I went to the dealer once and they said they have nothing to do with Toyota Finance even though they are XXXX XXXX XXXX XXXX XXXX and I got the loan there. I went back a second time with all my paper work and they checked to see if I had any warranty that needed to be cancelled. But could not help. I have called twice more and been hung up on. Please help me. I have never had this happen before and have always received a refund.
On XX/XX/2016 I sought emergency care in a North Carolina hospital after an automobile accident. At the time I had hospital insurance with XXXX XXXX and also XXXX XXXX XXXX. When I received a bill from the hospital I called to question why I was being billed but promised to pay a small amount as a " goodwill place holder '' until I could clarify my responsibility.. Some months later, XXXX contacted me and took ownership of their insured 's liability and I erroneously thought that XXXX would pay all medical bills associated with the accident. I found out that the medical debt to North Carolina had gone to collections, thus spoiling what had been my stellar credit score of the years. 

As a new resident of Georgia, I was never able to find any lawyers to help me with any claims either because they did not practice in North Carolina or because my case was not worth their while. ( Moreover the timing of the accident presented any number of other issues piled up to complicate the matter. ) As I mentioned earlier, I had erroneously thought that XXXX would pay the medical bills that I had incurred. I have finally gotten a settlement offer from XXXX only to find that NC law does not permit XXXX to pay the debt incurred in the NC Hospital emergency department. The settlement leaves me with a diminished credit rating, the balance of over {$1000.00} in collection, and the unresolved question as to why the NC Hospital 's Billing Department did not first make a claim to my health insurers I think that this was an error on the part of the NC Hospital. I want to add that I received subsequent medical treatment through XXXX XXXX, for which liens were attached to the settlement and thus these bills will be paid by XXXX. The statute of limitations for the accident is just about to expire as far as the accident is concerned .. Because I am XXXX years old and have never had any credit problems, I had no thought of contacting you earlier and still do not know if you can offer any advice. However, I am going to call your telephone number but wanted to establish a background. I am only trying to address the bill from the North Carolina Hospital that is on my credit report
My parents attempted to put cash in their grandson 's Chase bank account. They could not because they were not account holders there. They were told to use a cashier check, personal check or money order. None of these allow instant access to cash and/or cost money. This seems like a plot to force people to open chase accounts and not combat money laundering. ( For Pete 's sake there are more efficient ways to launder money through Chase Bank without stepping foot in a branch )
Original loan amount was XXXX, now I owe over XXXX, none of my payments go to the balance and I am now unable to pay at all after having a death in the family.  I don't want to have to claim bankruptcy over this one stupid decision.
Jefferson Capital Systems attempted to collect a debt from me on a XXXX XXXX account from 2013. We have repeatedly explained that this is not my account, but no one will remove it, including XXXX. We 're getting more and more angry as time progresses as the tactics get insane and obscene. They 're now harassing my father as a result.
I mailed a certified letter on XX/XX/XXXX to XXXX for them to provide validation for accounts that are appearing on my credit report. I received a letter from XXXX on XX/XX/XXXX that included a copy of my credit report and no proof that the account belongs to me. This is my second attempt and I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the accounts listed below : XXXX XXXX XXXX Navient 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 to all accounts posted on my credit report. If the accounts are unverifiable they must be removed.