WillisBack/dataset-financial-user-claim huggingface dataset:
It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
I am a new prepaid debit card user and I bought a netSpend card at XXXX to use for convenience. I think I might have inputted a wrong social security number or password when signing up for my online account, so when I went to access my account I could not. I tried using the link to reset the password and could not get it to send me a reset link. I then called the number on the card and there were only two options, if you lost your card, or everything else, but that required my social security number and because I must have hit a wrong number when setting up the account, it would not let me in from XXXX when I got it, until today XX/XX/XXXX. I tried it multiple times over a month, so I threw the card out and basically lost {$20.00}. 

My Dad saw the card in the trash and asked me about it and emailed the company that basically told him that we could use the prompt for lost card and get a live agent. When we finally were able to access the account, there was fee on XX/XX/18, Debit : Account Maintenance Fee for {$5.00} on a card that only had {$20.00} on it. There might have been some notice of this fee, but I did not see it or realize that just having the card would cost me almost {$6.00} a month. They are taking almost 20 % fee just for having the card each month. That should not be allowed ... basically, the card is useless and they are preying on us younger kids who are not financially savvy or have the ability to get accounts at a bank due to low amounts of money or whatever. I feel this is a predatory practice on a population of low income, young and/or uneducated people that should be protected, and not taken advantage of. With my {$20.00} card, I would have {$2.00} left after 3 months if I DIDN'T EVEN USE the card.
I reached o ut to Barclay 's  Bank fo r my Barclay Arrival Card at  (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017  at  XXXX   XXXX  to inquire about  two  times my interest rate increased an d one ti me it was decreased on my variable APR. The reason I was aware of this is because a third-party application called  XXXX  notifies me when such changes occur. Upon speaking with the representative I informed them that my interest rate was increased in  XXXX  and  XXXX  this year, yet I had not received a formal notice in regards  to this. The one t ime it was decreased,  XXXX  I believe, I had requested it and a formal letter was sent to my address on file. I was perplexed as to why I would not receive a letter or e-mail besides my normal statement to indicate when my rate would increase. After much back and forth I spoke with a supervisor that informed me that interest rate increases were due to the recent hike s by the FOMC in each month. This statement made it much clearer to me why I received the two interest rate increases. However, there was no formal communication of this from Barclay card. The response I   received from the supervisor was " Do you expect us to notify all of our millions of customers? '' At first I was taken aback and somewhat agreed. After having thought abut it though I am sure there are some guidelines that may have been provided under the Dodd-Frank Act or that are required by the CFPB. Please clarify what they are if any. Thank you.
I no longer can get my tax information or access my loan information online with Coldwell Banker Mortgage Company. I reached out to get someone to help me from Coldwell Banker, and they were unwilling to do so! They told me they could mail the information to me, but I have never received a single document via mail from them?? The told me they could fax me my mortgage tax information, but I do not own a fax machine. I own a PC with a printer and they refused to email the information because of their security policy! 

I have had a mortgage with this company for over 6 years, not 1 late payment! Yet they refuse to help someone who needs information to file their taxes! They changed all of their website information ... now you login in and you are directed into circles! 

I 'm at a loss ... please help!!
On my mortgage with Ocwen Loan Servicing # XXXX I am continually being charged a fee of {$16.00} for other fees. I have written and called them to find out what this is for but have received no response. This is for a tri plex rental property that is fully occupied and has always been so for the 10 years I have owned it. Ocwen is a predatory loan servicer that refuses to provide me with any information.
Paypal has contacted my family in regards to a {$700.00} debt that I owe to them. They disclosed to my father the details of my debt which has caused much distress.
I did not authorize Discover to debit my mother 's bank account for {$100.00}. Discover said that I did. They put through a payment for {$100.00} and caused my mother 's bank account to bounce and now they will not reverse the transaction and pay the XXXX bounce fees that are on my mother 's bank account.
Security Breach of personal information which puts my financial future at risk for the rest of my life. 
Equifax negligently provided my personal information to outside parties without my knowledge or consent and provided all my pertinent and personal information in such form and as complete as to ensure that I will have to deal with the results of their neglect and improper handling of my financial information and identifying information for the rest of my life. 
EQUIFAX has NOT provided proper notification of the security breach. 
EQUIFAX has suggested they will provide a 12 month monitoring service for my credit. 
The remedy suggested by EQUIFAX is INSUFFICIENT to  mitigate the considerable on-going life-long risk of damage to my personal finances, business opportunity and reputation. 
EQUIFAX MUST NOT BE ALLOWED TO RETAIN ANY INFORMATION ABOUT ME OR MY FINANCES IN ANY WAY SHAPE OR FORM AND MUST PURGE ALL INFORMATION ABOUT ME FROM THEIR SYSTEMS IN A WAY WHICH IS NOT RECOVERABLE AND SAFELY PREVENTS ANY FUTURE ACCESS BY EQUIFAX THEIR AGENTS OR EMPLOYEES IN PERPETUITY. 
Further, I should NOT experience any penalty or discrimination as a result of refusing to allow EQUIFAX to handle any information relating to me or my finances.
CBCS verbally has told the XXXX XXXX XXXX XXXX that I owe XXXX and CBCS tells the XXXX XXXX to tell me to call and make payment arrangements but they have not sent me a letter or any written communication that I can dispute. I have no idea what this amount is about. I asked the XXXX center and they said CBCS knows the dates of services and amount and what the charges are for supposedly but the XXXX XXXX will not help me at all. I tell XXXX XXXX I have received nothing from CBCS but CBCS tells XXXX XXXX that CBCS want me to call them and make payment arrangement or I can not see my doctor. I am not agreeing with this at all. I 've been going to this place for treatment for a long time. I had a balance of XXXX and all of the sudden I have a balance of XXXX. I have had no opportunities to see what this is about, why I am being accused of this amount other than I told XXXX in the billing department she was very rude to me and ever since I have been targeted of being bullied by this billing department. Why would I call CBCS when I have never received a letter from them but the XXXX XXXX said CBCS has this amount and that is where XXXX XXXX got this number. It 's ridiculous to me how I have never heard or seen this amount ever before. The XXXX XXXX has sent me to collection for an amount that was paid by insurance, then they said I owed it and so I payed it and then they also sent me to collections for the amount that had already been paid twice.
I have received mutilate calls from them attempting to collect a debt from a medical visit I never had. If I had visited, my health insurname would have covered the visit and it would n't have cost me {$260.00} like they are claiming.
When I first started making payments to this company I was under the impression that payments were due by midnight of the due date in my time zone as it is with my other cards. Not so and I got hit with a couple of late payment fees. It is midnight in their time zone XXXX XXXX  ), not mine. ( XXXX ) So I need to make the payment by XXXX PM my time, fine. So I make my last payment at about XXXX PM on-line and get hit with a late fee. Now it turns out that only works if you do it over the phone, which I would have gladly done, but I thought on-line was more expedient. If you pay on-line the payment has to be made by XXXX PM XXXX time. Now I have spent quite a bit of time over the phone with different reps and not XXXX of them ever mentioned the different times, just that it needed to be done by XXXX PM, which I did. They would not reverse the fee. I have canceled the card as I am tired of these games they play to get more money out of you. BTW in XXXX late fees are not allowed, interest yes which is fine, but why do they get a double whammy here. However I would still like the late fee refunded as a matter of principal, sincerely XXXX.
My former complaint with Drivetime advises that I had a referral from them that resulted in a {$200.00} dollar credit that was accepted as a form of payment in XX/XX/XXXX. No one that I know of made a referral using my name inXX/XX/XXXX towards DriveTime. I am requesting that they give me the person 's name who used me as a referral. My sister had an account with DriveTime but that was before XX/XX/XXXX. So if they are using my sister 's account and trying to use it as a referral to me they are incorrect. I have gotten my sisters documents showing that she had a vehicle with them and in no way should have ANY referral been used against my account as I did not refer any one. That makes no sense ; why would I tell someone to use me as a reference on a car loan that was not actively being paid on.

DriveTime is trying to reage my account. I will get a lawyer involved if I have to further escalate this.

I want DriveTime to PROOF to me who and when someone used me as a reference as THIS IS FALSE.
My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. XXXX ( after removing from credit reports ) sold the debt to Resurgent and they are going to report it. When XXXX sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. Resurgent told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to XXXX they used the social security number for my father. So he did n't steal my identity XXXX and Resurgence just used my information.
MasterCard Barclays offered me 0 % interest with no annual fee as a military member and I use their card exclusively for all my purchases, up until I received a letter dated XXXX XXXX, 2017. In this letter they stated that going forward they would no longer honor my annual fee waiver and that they would charge my account on the next month billing period. This loop hole that is being used to get out of XXXX is not very honorable. They recover funds every time I swipe my card. I understand that the card at 0 % is a great opportunity and I wish that they would not go to the extreme on service members to charge them this fee. I used this card everyday and now I face a {$990.00} charge or close the card and pay off the balance. Most members would be in a predicament under that constraint.
I have previously disputed the XXXX claim of a sum owed. I have provided XXXX with a copy of the receipt for returned equipment. There has been no response from XXXX, but this claim remains on my report, causing me to be denied credit. It is as best I can determine the sole blemish in my credit report. I wrote on XXXX XXXX, XXXX, when I still lived in XXXX, Virginia, to the XXXX XXXX Department of XXXX XXXX and XXXX XXXX to describe in detail my difficulties with XXXX. On XXXX XXXX, XXXX, I wrote to XXXX collection agencies, XXXX XXXX , XXXX and XXXX XXXX XXXX, to dispute XXXX 's claim. I also wrote to XXXX on this date, with copies to each of the XXXX credit reporting agencies. I wrote again on XXXX XXXX, XXXX, to another credit collection agency, XXXX, to dispute XXXX 's claim. In each of these letters I disputed XXXX 's claim and asked that its complaint be discontinued. I received no replies from any of the credit agencies, or from the collection agencies, or from XXXX.
On Tuesday, XXXX XXXX, 2016, I was on the phone with Synchrony Bank, for more than half an hour, addressing a concern to my Walmart 's Card and I also made a payment to my account. However, this morning, Wednesday, XXXX XXXX, 2016, I received a call from Synchrony Bank, at XXXX XXXX., which I did n't answer. However, within an hour, I did contact them, to get the nature of the call. Upon contacting them, I was informed that my account was overdue and I was told that I needed to make a payment to bring the account current. 

After I explained to the customer service representative that I had already made a payment to the account, she told me that it was not noted and that I would have to make the payment again. I asked if she could please verify the information, so I would n't be inconvenienced. However, she responded by saying that she had already checked the records and that a payment had not been made to the account and she suggested that maybe I had n't made a payment, at all. 

I was already upset by the fact that I was contacted at XXXX XXXX. in the morning regarding a matter I had already addressed. But, when she began to behave as if I were not being honest, I was even more upset by this. 

Anyway, I told her I would make the payment, so I could move forward with my day. Because, this is certainly not how I wanted it to began. 

She took the payment information and then insisted that I pay and additional {$15.00}, which had also been addressed the previous day, with another customer service representative. So, I refused and told her that I was completed with this conversation and I needed to get off the phone, so that I could began my day. I had already spent nearly 30 minutes of my morning addressing this redundant and unwarranted phone call. 

After hanging up the phone, I immediately went to the computer to check to see if the payment had been taken out, since I used my debit card to make the payment. Well, to my surprise and dismay, both payments had been removed from my bank account. The one from the previous day and the one I had just made by phone. I was outraged. 

I could n't believe I had wasted my morning addressing an issue that was already taken care of. And thanks to the negligence and inefficiency of Synchrony Bank - Walmarts customer service, now, I had made a double payment, which I never intended to do. 

I immediately contacted them back and demanded a refund of my second payment, which was never required. I feel that I was forced to do something against my will and I also feel that it was unethical practice. 

I was told that I could not have a refund, but the customer service representative told me that she would document what had happened. Well, this was unacceptable.
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXXXXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I would like all my information updated and remove for you database asap.
I have a collection account listed with XXXX. I have not had an account with them for years and I 've received solicitation stating how bad they want me back. I fulfilled my account with them and have not been contacted. This is the first I 've seen this. I 'm disputing this and I want it removed.
Dear EXPERIAN : I XXXX XXXX XXXX, a women, respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete all disputed item ( s ) listed below. 

ADDRESSES : ( 1. ) XXXX XXXX XXXX XXXX XXXX, AR XXXX : I DO NOT LIVE THERE ( 2. ) XXXX XXXX XXXX XXXX, AR XXXX : : I DO NOT LIVE THERE The following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate and delete ALL item ( s ). I respectfully request that you provide me with proof of the disputed item ( s ), specifically any contract, applications, note, court documents or any instrument ( s ), bearing my wet ink signature. Failing that, you must delete ALL item ( s ). 

NON ACCOUNT INQUIRIES LESS THEN 30 DAYS OLD : ( 1. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX XXXX   Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX ( 2. ) XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - XXXX XXXX XXXX XXXX Address - XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXXXXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX XXXX Date Filed - XX/XX/XXXXType - All Banks - non specific Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX I Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XX/XX/XXXX Company Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to validate these item ( s ). It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item ( s ) from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item ( s ) has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

XXXX XXXX XXXX XXXX XXXX AR, XXXX Sincerely,
On XX/XX/2019, several transactions occurred on my checking account that I did not authorize. I filed a claim with Capital One and they denied it. I did not make any of these transactions and I need my money back. 

XXXX {$87.00} XXXX  XXXX {$160.00} XXXX  XXXX XXXX {$58.00} XXXX XXXX {$150.00} ATM WithdrawalCAPITAL ONE {$200.00} ATM WithdrawalCAPITAL ONE {$800.00} TOTAL - {$1400.00}
XXXX of my Citizens Bank checks ; mortgage, energy loan & electric co payments were stolen out of the mail. Though none were made payable to XXXX XXXX XXXX, XXXX of the checks were cashed by XXXX. A thief got my money. 7 weeks later Citizens still ca n't figure out how to help me. Not one person. I 've sent front/back images of the checks. I 've filed XXXX police reports. I 've talked with more than 20 people at Citizens including Supervisors and Managers. Not one knows how to navigate their own system in order to help me. The front office has absolutely no idea how the back office works. And, to make matters worse, they do n't communicate with each other. There 's no training. If there is training there 's no retention of the information. The loan company told me they were going to put me in default. However, they provided real support and information about what should happen. They said Citizens should provide me with a Provisional Credit so I could pay the companies who did n't get my money. Citizens never told me anything about their obligation to provide me with a Provisional Credit. Citizens initial consul was that I should pay the companies again from a different account. I told a Supervisor at Citizens Online Banking I was going to contact the Attorney General to report this abuse. He ended the conversation and escalated my complaint to the Office of the Chairman. Maybe they can make something happen? I 'm suppose to hear from them in 24-48 hours. It 's been over 24 hours and I have n't heard from them. Plus, I received a threatening letter from XXXX, XXXX with a case #, XXXX # and threatening language : " this is an attempt to collect a debt ..., '' signed by XXXX XXXX A Citizens Branch Mgr said it was a fraudulent letter. Turns out it 's Citizens Bill Pay service. Bottomline no real help from Citizens in solving their longtime customer 's banking problem caused by a lax banking system.
I was turned away from a wells Fargo branch When executives financial services brand XXXX XXXX and XXXX spoke with the branch