WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with an individual named XXXX at Early Warning Services today, in response to getting declined for a bank account with XXXX XXXX XXXX XXXX She was not helpful, rude, and seemed to experience schadenfreude when I informed her that EWS was the apparent cause of the aforementioned decline. When I told her that I had already requested my consumer report, and requested that they send it to me by email ; asking how long it would take to get to me, she said " We have the right to take fifteen days, to verify the report, and then email it to you. '' I believe she is one of those reprehensible individuals who just uses the word " verify '' to sound official, without in fact knowing what it means. She used " apologize '' in a similar way. <P/>Regardless, I have never had a problem with any bank, I have no issue on XXXX and yet, there appears to be what I can only assume is an error on EWS. Moreover, their customer service department is nothing short of recalcitrant. <P/>To wit, when I asked her name, she asked, " why do you want to know my name? '' to which I responded, " I must know whom I am speaking to, '' to which she responded, " I stated at the beginning of the call my name is XXXX. '' That sequence of sentences only makes sense if someone is going out of their way to be difficult. <P/>Please do something about EWS. If they are going to hold up people 's lives, and experience schadenfreude about it, they should at least provide one 's consumer report immediately online.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( Equifax, XXXX, XXXX ), XXXX XXXX, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
On XXXX XXXX, 2016 I disputed an account that was on my report from XXXX XXXX XXXX with all XXXX Bureaus - All the Bureaus removed the data except XXXX On XX/XX/XXXX16 I received an updated credit report from Equifax ( see attached ) stating that the item had been removed. On XX/XX/XXXX16 ( see attached ) I pull my report and confirmed it was removed. On XX/XX/XXXX16 I received a notice that the item had been reinserted on XX/XX/XXXX16 ( see attached ) and on XX/XX/XXXX16 I pulled my report and confirmed that the item had clearly been reinserted. This is a violation of the FDCRA and I need your help.
Disputed incorrect information with the Credit Bureau and 1st Franklin several times. The Company continued to report incorrect information. I asked for the Attorney and then they looked into what I had disputed after several months of disputes.
I received a letter from PennCredit that was paid through the original creditor so you should not be attempting to collect on a paid account. 

Paid directly through XXXX confirmation tracking number XXXX
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, XXXX XXXX
Frauding scams using greely leap of a XXXX stores as a government listings Frauding scams using XXXX XXXX Fraud divisions scams using XXXX Frauding scams using XXXX business permits and products Frauding scams using 50 states groceries stores products using XXXX slaw products Frauding scams using diner menus using XXXX slaw Frauding scams using sports players accounts and internet scams Frauding scams using XXXX Fraud scams using XXXX homes and XXXX auto stores and XXXX media Fraud scams using XXXX with an H Frauding scams using XXXX XXXX as business permits Fraud scams using XXXX XXXX building Fraud scams using XXXX building permits Fraud scams XXXX XXXX bank and IDs frauding my documents Frauding scams using reality companys Frauding scams using realistate agents herds Fraud scams using XXXX XXXX Fraud scams using semi trucks Frauding scams using freedom frauding freedom high School Frauding scams using XXXX apartment Fraud scams using using XXXX homes Frauding scams using XXXX herds Frauding scams using weigart as attorneys in XXXX Frauding scams using XXXX families using XXXX Frauding scams using XXXX grade school as IDs and others business Frauding scams using XXXX boat 's in Florida Fraud scams using XXXX XXXX in Florida Frauding scams using XXXX XXXX in Florida Frauding scams using lolus resterant in Florida.. frauding scams using XXXX slaw in all 16 counties of Florida Frauding scams using XXXX slaw products thru XXXX XXXX  resterants franchises Frauding scams using XXXX slaw products thru XXXX 's and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX dressing companies Frauding scams using brand advertising for XXXX food products frauding my family 's XXXX XXXX  record of XXXX Indiana of serial numbered documents Frauding scams using Maicke frauding scams frauding my grandfather who is XXXX  of XXXX Indiana Fraud scams using XXXX XXXX bank and XXXX XXXX franchises Fraud scams back through XXXX XXXX frauding IDs scams using XXXX Frauding scams using ticker symbol using XXXX frauding XXXX XXXX XXXX of XXXX XXXX Indiana Frauding scams using XXXX auto Fraud IDs using XXXX in insurance company workers and insurance fraud division worker Fraud scams using XXXX as XXXX advertising in XXXX Illinois Frauding scams using XXXX as XXXX prep colleges in XXXX Illinois Fraud scams using XXXX XXXX Fraud scams using XXXX auto repair Fraud scams using basketball XXXX Fraud scams using XXXX sports players Frauding scams using singers and bands and actors frauding scams using XXXX Fraud IDs scams using XXXX police IDs Frauding scams using XXXX school Frauding scams using XXXX politican listings Frauding scams using XXXX New York clothing Frauding scams using XXXX XXXX XXXX as IDs in XXXX  Fraud scams using book credits and book authors Fraud scams using chruch groups and pasters or ministers or preachers
I received a letter from I.C. Systems on XXXX/XXXX/16. My bankruptcy was filed on XX/XX/2016 and discharged on XX/XX/2016. I called spoke with Rep at I.C. made them aware of the bankruptcy provide attorney name and number. Fast forward to XXXX/XXXX/16 I was preapproved for an XXXX from XXXX XXXX XXXX was due to pickup on XX/XX/XXXX. On that morning I received a credit update from XXXX XXXX making me aware my score had dropped by over XXXX points. It was I.C. Systems and XXXX XXXX XXXX. I called the company to see why this happened and although my account notes notated that I called to report the bankruptcy. They proceeded to attempt to collect the debt anyway. I lost the vehicle due to the damage done to my credit report.
In XX/XX/2015, I submitted paperwork for the XXXX   Loan Forgiveness ( for the amount of {$17000.00} ) program to Navient. I received an email from Navient that they received my paperwork. Nothing happened after this. There was no follow up from them and my loans were not placed into forbearance. I had tried to call Navient but was constantly put on hold. Until recently, I did not know what to do about this.
I am filing a dispute because I received a letter stating I was not eligible for discharge. I was not sure about the dates I attended XXXX XXXX XXXX XXXX because it had been so long ago. All I know is that it closed while I was attending.There was no supporting document proving my reason for denial of discharge.I am submitting a copy of my notice of ineligibility and my application.This is my 2nd dispute my first was in 2010 and all they sent me was copies of transcripts from school I had attended and a free tXXXX XXXX   program that I attended but nothing XXXX XXXX XXXX XXXX, where this loan was taken out for.
Hello, I have Elan Credit Card since XX/XX/XXXX and I got charged interest without my knowledge since XX/XX/XXXX. I did not agree to any kind of interest and they start charging interest without my knowledge or my approval. 
I would like to pay Elan Credit Card the balance without any interest or fees that I did n't agree. 
I try to communicate with them but they have no email and they never reply to my letters that I send to the address that they have on their website. 
Every time I call the associate has to redirect me to an supervisor and the supervisor never answer the phone. 
The website is : XXXX For questions about your account or to report a Lost or Stolen Card24-Hour Cardmember Service : XXXX reach Cardmember Service via email, login to your account and click on Messages. 

Technical Support For questions about your internet browser configuration or technical support for the Online Account Access website. 
XXXX a Payment Cardmember XXXX XXXX XXXX. XXXX, MO XXXX an Overnight Payment Cardmember ServiceXXXX XXXX XXXX StreetSt. XXXX, MO XXXX
This is a monthly rental we signed contact for 1 year. When the contract was over I called the owner first time 35 days before end of contract and then twice 30 days which is required per terms of contract. I spoke with the owner and he was/is still very mad because my truck left ruts in his freshly paved parking lot. And he told me where to park. The owner of course said I never called him about leaving when I called 3 times o my to get his voicemail every time he also claims we left stain on concrete floor? We did no such thing
I received an international wire transfer from my employer a week ago. BB & T has been holding all access to my account pending an investigation. I have submitted proof of employment. BB & T charged my account for posting this transfer, yet they will allow no access to my funds.
XXXX  Equifax having proper information on my credit report   XXXX   is correct I sent both credit agency to copy of the  XXXX  report and ask them to update it they have not done so as of yet. They all should have the same type of reports where information is concerned they do not match.
I received my bankruptcy discharge on XXXX/XXXX/2016. I sent in documents to equifax and the other XXXX bureaus so that they would update my information. Equifax will not remove incorrect info from my report. They are reporting that I had XXXX loans with Honor Finance, I only had XXXX. That was discharged. They will not remove the second XXXX after me disputing multiple times and providing documents. They are reporting a balance owed to XXXX XXXX XXXX XXXX, this was also discharged in bankruptcy.
I made my mortgage current up to the date it was sold. I was promised that my credit bureau report would be updated to reflect it was current. I sold the home this last year, which was my ONLY way to catch up, and my credit still suffers because Wells Fargo has my last report as being 120 day late which is FALSE! They falsely lead me into such a dire situation that I ended up selling the home. They knew it and now I lost my home AND my credit was n't corrected per their promise. Wells Fargo has been an absolute predatory lending institute and I 'm glad it 's FINALLY being found out.
Item appeared on my credit card as a collection from IC Systems with no previous contact or indication from the original creditor. No attempt was made to send a bill from the creditor either.
This debt does not belong to me, it belongs to XXXX XXXX, a special friend of mines at that time. His address is XXXX XXXX XXXX ; XXXX XXXX, MO XXXX. Also, I was told by XXXX XXXX XXXX, if I help them get the car back from XXXX XXXX this item would not hit my credit as it should not have in the first place because it was not my bill any way. Please remove this creditor, it does not belong to me.
My mortgage loan was paid in full on XX/XX/XXXX by cashier check. As of XX/XX/XXXX i have not received my title. I did receive a letter from Ocwen Servicing that the loan was satisfied. I need help getting my title.
I have an XXXX FICO score, XXXX in available credit, and & lt ; {$2000.00} in debt in any given month. 
Today I received an email from Capital One inviting me to do a balance transfer, that appears to be in violation of the Credit Reform Law. 
A section of the email stated : '' If you pay your balance in full each month, you do not pay interest on your purchases. Please note, after you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ". 

This appears to be in violation of the law that states that payments shall be applied to highest interest debt first.
During XX/XX/2017, XXXX XXXX  negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX  XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
XX/XX/XXXX RE : illegal Business Practices at Infinity-Nissan Infinity Acct # XXXX I have a lease contract for 24 months with Infinity Financial for a vehicle that started XX/XX/XXXX and will end XX/XX/XXXX. All monthly payment has been made. 
On XX/XX/XXXX, I became aware that infinity was tell us that they are missing A payment. Since XX/XX/XXXX. And that all the payments we were making was Being posted as late. On the phone, we agreed to make a payment including late Charges for {$400.00} and we agreed that I would send the payment to them. 
We send the payment to Infinity the same day. ( copy attached ) Also, they advise us that they are missing the XX/XX/XXXX Payment. We faxed them our bank statement showing that in fact a payment for {$300.00} was made on XX/XX/XXXX. 
See copy attached and Letter from Bank. It is very strange that if we are missing a payment, they would call us so late on this even after they were reporting us as being late for every month. 

On XXXX unknow to us Infinity illegally repossessed the vehicle, this is less Then 30 days that we are to return the Lease vehicle. ( how buzzer is that ). 

This is a Clear tactic infinity is using to negligently forced sell the vehicle to us. At this point I have requested over three times to get my payment history with them but they Keep stalling, signaling that there is something they wish to hide. 

We are proving clearly that Infinity has received all the payment required on a lease And we have called talked to them several times but they do not wish to admit that they Made a mistake and keep telling us that its over. " We will sell the car at Auction prices and bill you the Balance '' This is not our agreement, we do not wish to purchase the vehicle. This is Clear to me that infinity financial has a vested interest in trying to force sell this vehicle To me a Retail prices. A classic example of a big Bully. 

If infinity Financial tries to unfairly pursue this illegal activity. I have no choice but to take Legal action. This is a demand that infinity return the vehicle from where they picked it up from And let the course of our agreement run out on XX/XX/XXXX.
I have owned my house for 12 years and always make my payments on time. A few years ago my loan is transferred from XXXX XXXX XXXX to Nationstar. In XX/XX/2016Nationstar made a mistake crediting my account and they contacted me to say I was late. I disputed this and asked them to look into it. I was treated very poorly by Nationstar at this time. I asked for a supervisor for help and they said no. I requested a Spanish speaker and they would transfer me to different departments but I could never get help or answers. Nationstar was demanding that I make a double payment on the mortgage plus late fees but this was their mistake. I kept trying to fix this but Nationstar will not work with me. Finally I hire an Attorney to help and then Nationstar says in a letter it was their mistakebut now I was six months behind and they said I had to pay all the late payments at once. I try to get them to work with me but instead of playing fair when it is their fault, they foreclose on my home in XXXX. Nationstar needs to be investigated by your people because they are doing bad business.

We bought this house with 100 % financing and a very bad first mortgage loan that is adjustable. My main language is Spanish and I did not understand the documents that I was signing. This loan had an interest rate of 7 % and then just a few years later the rate went up to 10 %! This was very high, but I still made sure to pay the bill each month. I always paid the bill each month. I live in this home with my wife and two children and I work as a landscaper. A few years ago the loan was transferred from XXXX XXXX XXXX to Nationstar. Then the problems begin when my monthly payment is not credited. I found out about this and started contacting Nationstar to get this fixed. I am told that I have to make a double payment and that I have to pay late fees. When I go to try to do this I am told that the amount I am going to pay is not enough, the amount has changed. I try to get to a supervisor but they say there is no supervisor here. I try over and over to get a Spanish speaker to help me, but Nationstar would not let me talk to anyone who could help me. Instead of fixing the mistake Nationstar sold my house in XX/XX/XXXX. This is more bad business, putting me in a predatory loan that I did not understand and then making a mistake on my payments and not working with me to fix it. They sold my house over this at auction and I want them to fix it.
I received a Citi checking account offer via email ( In XXXX 2016 XXXX where I would be getting XXXX Thankyou points if I open Citi Gold Account and complete certain requirements. Then I opened the Citigold account in XXXX 2016 and completed the required XXXX XXXX payments XXXX XXXX and XXXX 2016 ). I completed the XXXX and final bill pay required for the bonus offer exactly on XXXX XXXX 2016 and I sent a secure message later that month to get it confirmed if I have met the requirements. I received a confirmation on XXXX/XXXX/2016 that I have met the requirements and I am eligible to receive the XXXX TY points by XXXX/XXXX/2016. It has been over a month now and still I do n't see the bonus points posted. Multiple calls and chats, but no real response. Over the phone with a representative I was asking for an exact date when I would be getting my bonus points and they do n't have a clear answer. They say a date and when I ask " Will I get my points posted by that date ''. The reply was " If not give us a call after the date has passed and we will raise an investigation ''. And above all that they were so rude on answering my questions. Because of waiting for the bonus even after meeting requirements I was charged {$60.00} in service charges ( {$30.00} on XXXX and {$30.00} on XXXX ).
US BANK has been overcharging me on my home owner 's insurance coverage since XX/XX/XXXX for the amount of {$32.00} a month every month. This charge is billed as " overage/Shortage ''. 

This charge is billed in addition to my monthly Home owner 's insurance in amount of {$32.00}. 

My monthly insurance premium for previous year XX/XX/XXXX to XX/XX/XXXX was {$27.00}. My 12 month premium was {$320.00}. US bank mailed me a letter saying XXXX XXXX is not enough so I contacted XXXX XXXX & increased the coverage. My 12 month premium during the renewal increased to {$390.00} and I should be paying only {$32.00} a month for 12 month. But US bank has been charging me {$32.00} extra every month since XX/XX/XXXX as " Overage Shortage ''. 

I am already paying the increased rate of {$32.00} from {$27.00} so I should NOT charged extra {$32.00}. I have contacted XXXX XXXX, the insurance company and they told me they were NOT paid any more by US bank then what I have been paying US bank. I have called and spoken to US bank agents and supervisors but they have not been helpful in resolving the overcharge issue.