WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I was on vacation in XXXX XXXX XXXX XXXX, XXXX XXXX charged my debit/ credit card {$540.00}, I did not authorize the charge.The casino was supposed to give me the money in cash that they charged my card, but they did not. They didn't give me a dime. They also lied about how much they charged. I gave permission for them to charge {$500.00} in exchange for the money in cash, but they didn't give it to me. It wasn't till I checked my bank account on the mobile app that I saw they charged even more. I contacted my bank ( TD Bank ) immediately, minutes after the casino charged my card. I told the bank not to allow the transaction go through. They told me it was instant so I would need to file a dispute. I filed that on XX/XX/XXXX or XX/XX/XXXX. They then sent me paperwork to file a report with in depth details. I submitted that on XX/XX/XXXX. I assumed everything was taken care of because I hadn't heard back. However on XX/XX/2018, someone form the disputes department called me to tell me they needed even more proof, this time from the casino saying they did not give me my money. I have contacted the resort/ casino several times, but they have been no help and have stated they are not associated with the casino. However the name of the resort is on the receipt I was given, and they gave me vouchers to check out the casino when I checked into the resort. Since this incident happened I have read numerous reviews on the internet about the casino charging other peoples credit cards and not giving them the money. I have even spoken to a few of these other victims. The " casino '' is a complete scam. TD Bank said they need proof from the casino directly that they never gave me my money, but knowing that would be them admitting fraud they will not give me anything. As my bank I expect TD to protect me and my money. They have had me jumping through hoops for absolutely nothing and enabling this scam to continue.
Equifax responded to this investigation in a letter dated XXXX/XXXX/2016 Confirmation number XXXX. They are still claiming this account is a valid debt, and will not re-investigate any claim regarding a dispute to these accounts unless they receive relevant information to support my claim. Obviously they did not verify any of this information. I have provided sufficient documentation to have this account removed since the date listed on to their offices directly, and to date this account still remains on my credit report. This account being disputed is now listed as XXXX ... ( which is this exact same account that I disputed in this case ) as a negative item. 

They claim they have validated this debt, however per CFPB complaint number XXXX, and cfpb complaint number XXXX : I want the method of validation they used to obtain proof this is a valid debt and/or the deletion of these accounts from my credit reports. I have spoken to the original creditor and have a printed response from JPMCHASE which was attached to the original dispute in your office stating they no longer owed or controlled this account. I specifically wan the name and phone number with the extension of the person they spoken to. I will not accept and do not want any verification of these accounts through a third party or database, because it should not be there.
Fraudulent activity was made through my account, and my accounts were depleted. The bank was notified as soon as this occurred but took no action to protect my account. A police report was filed. The bank refused to discuss the fraud and told me to contact the bank that caused fraudulent activity on my account. I contacted the bank and a representative reported that the bank that had my account had to initiate the contact. When I contacted my bank a representative told me to contact the company who issued a fraudulent charge. In essence, I have been given a runaround for a year. Now the bank has contacted me, instead of the bank that depleted my account, with a collection notice. I believe both banks are at fault and should be charged with fraud related to elderly persons. Today, I read on a website that this occurs in other states.What can really be done to have this fixed? I am receiving collection bills for fraudulent activity.
On XXXX/XXXX/2012 Bank of America charged me {$750.00} for debris removal. Bank of America never removed any debris. After contacting Bank of America, I was told I was going to be credited the {$750.00} since it was a false charge added to my mortgage. Bank of America has still not yet credited the {$750.00}.
I am filing a complaint against State Collection Services, XXXX XXXX XXXX XXXX, XXXX wi, phone XXXX. State Collection Services placed a derogatory item on my credit report XX/XX/XXXX.I have never received any correspondence, bills, notices, phone calls, or any other attempt to reach me before this action took place. I called State Collection Services and they informed me that it was for a medical bill, from XX/XX/XXXX. They could not verify the details. I have been at the same address for XXXX, same phone for at least 10yrs, and nothing was sent to me regarding this Item. I have requested Validation of the Claim from both the Collection company and XXXX. The action of affecting my credit rating without making a reasonable attempt to make any contact seems at the very least inappropriate and at its worst- likely unlawful. In speaking with the representative from State Collection Services, I was able to learn that the claim is a medical claim, but they could not provide any further documentation. They would have to request that information. It seems that to put an item on a credit report without a satisfactory attempt to reach me and without having the details of the claim, should be brought to your attention. thank your
Debt collector, Preformant Reco, telephone number XXXX has made repeated calls to my place of business. These calls continue after multiple requests to XXXX & XXXX. Company persists in calling and has been told that the employee they are attempted to contact is no longer with the company.
PROFIT SERVICES GROUP {$76.00}, {$350.00}, {$770.00}, {$330.00} I challenge the accuracy, compliance and reportability of this listing.

There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
My mortgage servicing company, Select Portfolio Servicing, received my payment on XXXX XXXX, 2016 electronically from my bank. Funds were applied to my conventional mortgage on XXXX XXXX, 2016 XXXX day after electronic receipt, although they were applied incorrectly. The payment submitted was {$28000.00}, of which {$3200.00} was for the regular payment and the remainder for principal reduction ; for this it was noted as " other payment '' on their web site, the only option available. The payment applied was {$3200.00} for the scheduled payment and {$5000.00} in principal reduction ; the remaining {$20000.00} was noted in the payment since it was a single electronic payment but the amount does not show in the accounting of the mortgage. In particular, the mortgage principal shows a reduction of {$5000.00} only. Several calls have been made, with the most recent saying it will take XXXX5 business days to apply this ; unfortunately, this is contrary to Federal law requiring payments be applied on the day received. Their mishandling has incurred extra interest charges since the principal was not reduced. Additionally, they changed the next payment date, apparently with a policy to pay up to two months ahead with extra payments instead of applying to principal ; this was not provided in any documents or truth in lending, and results in the customer paying higher interest for the loan which is disturbing when Select Portfolio Servicing , Inc. already maintains an escrow account with has more than a months payment in it.
I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life.
I wrote to XXXX  and TransUnion Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of XXXX. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of (2) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
BoFa was supposed to close my home loan on XX/XX/XXXX. BoFa 's underwriting department decided on XX/XX/XXXX to change the terms of my loan, and classified my home as non-owner occupied. They told me I need to pay a 25 % down payment, they took away {$2000.00} in lender credit and charged me {$2100.00} in loan amount points. They changed my interest rate from 3.375 % to 3.500 %. BoFa had a promotion going on that if I brought in $ XXXX in new money to BoFa, then they will give me a .25 % reduction in my loan. I brought the $ XXXX over to BoFa and my new interest rate should have been 3.125 %. Underwriting never gave me an explanation on why my place is considered non-owner occupied. I told BoFa that I do n't plan on moving. The seller was purchasing another property, so I did not have time to shop around for another bank. I had no choice but to close with BoFa. BoFa dragged out closing this loan, and I closed on XX/XX/XXXX. I purchased the property that I lived in for the last two years, and the owner did not involve a realtor in the sale of the property. I kept telling BoFa that the non-owner occupied classification was a mistake, but they would not correct this. The loan officers told me that underwriting has already made their decision. It is not right they told me this right before closing. I have no idea how to fight this or what my rights are at this point.
I have XXXX mortgages on my credit report that are listed as delinquent, XXXX with Chase Bank and the other with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My attorney XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in XXXX notified both Chase and XXXX that both banks agreed to a global settlement pursuant to which Chase and XXXX would have the right to take title and in return drop all claims against me. XXXX XXXX sent both banks the stipulations discontinuing the XXXX foreclosure actions and waiving all deficiency judgments against me. The XXXX Customer Care and Recovery Group refuses to remove this item from my credit report and the Chase Credit Research Department has not yet responded. I am a single mother of XXXX living in the basement of my sister ' s home. I am desperately trying to apply for a mortgage to buy a home for my children. My credit score has been adversely affected by these mortgages for which I am no longer liable. I can not get a mortgage with these other mortgages still on my record. XXXX XXXX XXXX XXXX XXXX ) has also closed my credit card account even though I told them I had the stipulations of discontinuance for all three mortgages. XXXX did n't care. I am a victim of fraud and these banks are punishing me for it. They are financially abusing me and violating the Fair Credit Reporting Act. Please help me get these mortgages removed to restore my credit so I am able to buy a home and take care of my children.
I have tried contacting my mortgage company loancare or XXXX services for months.Have n't been able to get in touch nobody ever answers.It shouldn't be this hard to pay my payment. I've read alot of bad reviews on this mortgage company.
this dispute was put in to exsperian and the othe XXXX credit reporting agencies and they keep associating me with other people of the same name and reporting wrong information on my report XXXX XXXX XXXX in XXXX nj and a judgment against me that does not belong to me i have called and spoke with them .I have never lived at this address and the information that they are reporting doesnt belong to me and they wont remove it.
I have lived at this address for 24 years and had my telephone number as long. 

AllGate Financial , LLC of Illinois is trying to collect a debt from an person unknown to me, named XXXX (? ) XXXX. 

Per AllGate instructions, I have contacted then telling them I am not the person they seek and the calls continue, several times a week. 

My number is on the " Do Not Call list '' and I have no business relationship with AllGate Financial I wish to log a formal complaint against AllGate Financial LLC for their continuing calls, even after being advised by me that my telephone number is not affiliated with whom they are seeking.
I got home from work on XX/XX/2015 and my wife gave me a message that a debt collector named XXXX from XXXX XXXX called my mother in laws house. She had told my mother in law that she needed to talk to me about repossessing something. I called the number immediately and left a message saying i was very upset about her phone call and to give me a call a.s.a.p. I got a call from XXXX the next day around XXXX, she was instantly hostile towards me about the message I had left and called it " XXXX '' and then proceeded to harass me about my debt that I owe on a jewelry credit card. she told me i was a loser for not paying for my wife 's jewelry and asked me sarcastically " how old are you ''. She also told me that she was going to get a police escort, find me and take back my wife 's jewelry, she said she already had my mother in laws contact information and was going to start there. she continued to belittle me and after trying to explain that I had lost my job and gone through some major family issues she told me she did not care and to start paying my bills before the cops come looking for me. After hanging up on me I called back to see what I could do to not have some weird people or the cops knocking on my Mother in laws door. she told me she had already submitted the claim for repossession but she might be able to work out something and she would call me back. when she called me back she gave me some options that I could not do and I said " i guess you have to do what you have to do ''. After that I called my mother who has been in XXXX for almost XXXX years and told her what had happened. She immediately told me she had broken all sorts of laws ( ex. not telling me that the call was being recorded, abusive language, talking to a third party about my case ) and that I should call the jeweler to make sure that it was not a scam because XXXX from Summit Receivables was very unprofessional and if it was not a scam that I need to file complaint with the CFPB. I called XXXX from Summit Receivables and asked her for her name and other information about her company, she refused so I told her I was filing a complaint with the CFPB and she proceed to laugh at me and tell me to just shut up and pay my bills then she hung up on me again. I called the jeweler and the sent me to XXXX who was taking over the debt. XXXX from XXXX was very helpful and filed a complaint with his company and agreed that what had happened was very unprofessional and XXXX had broken alot of the guidelines debt collectors have to follow. XXXX also told me that the whole " repossessing '' thing was a lie and the companies name was Summit Receivables and not XXXX Repossessions like XXXX had told me. My biggest thing in all this is I understand I have a debt that is unpaid but alot of uncontrollable circumstances went into me not being able to pay that debt. if you look at my past payment history it was flawless. XXXX was abusive and humiliated me to my mother in law with lies about taking jewelry away from my wife. people like this should not be allowed to have jobs like this if they have 0 people skills and 0 selfcontrol
After negotiating a lower payment at the beginning of XXXX I was told my payments started in XXXX. When my payment was made in XXXX I contacted by Navient telling me my payments were over due and that I had missed my XXXX payment. After a long discussion on the phone I was convinced to file forbearance for XXXX payment. At the first of the year I went to check my payments and my payment amount was raised. After a lengthy discussion were the customer service rep, who tried to convince me to file forbearance multiple times they finally told me they would pass the issue on to there manager and I would be contacted by the XXXX. I have not been contacted and my payment still is at a higher rate then I can pay and higher then the payment I negotiate in XXXX. I have tried contacting Navient a few times since the XXXX with a number the customer service representative gave me was given with no avail.
To  Midland Funding, LLC T his compliant is being sent to you in response to a complaint reponse sent to me on (  XXXX / XXXX / 17  ) Be advised this is not a refusa l to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ),  stating your claim is disputed and validation is requested.     This is NOT a request for verification or proof of my mailing address, but a request fo  r VALIDATION made pursuant to the above na
med Title and Section. I respectfully request your offices provide me with competent evid  ence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, If you do not c  omply with this request, I will immediately file a complaint with the Federal Trade Commission and the [  XXXX  ] Attorney Generals office. Civil and criminal claims will be pursued.     If your offices are able to provide the proper documentation as requested in the followi ng Declaration, I will require at least 30 days to investigate this information. Also during this validation  period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I recently sold my house, after which I owed my utility {$1100.00}. After my move  on  XX/XX/XXXX , I notice d a letter fro m Allied Acco unt Services at  XXXX   XXXX   XXXX ,  XXXX  NY. I called  on  XX/XX/XXXX  and  paid {$500.00} with the understanding of paying the balance  in 2 week s. During this time, my wife and I are looking for our new home for our children. I 'm in the beginning process for a new mortgage when I 'm told m y credit score  dropped over  XXXX  points due t o Allied rep orting me as delinquent for {$620.00}, after making an initial {$500.00} payment. This now causes a large increase in my financing rate as well as which type of mortgage I qualify for. I called them and they offered no assistance other than stating they follow fair credit policies. This is not fair and not necessary and I 'll be paying for this for years!
On what I think Was approximately XX/XX/XXXX, I got a call from USAA telling me that I had an outstanding balance on a credit card that was closed in XX/XX/XXXX. The balance was for {$14.00}. They told me that the card originally had XXXX cents and had accrued interest over the last 8 years. I told them that I had closed that account. They said that it was their mistake and credited my account the {$14.00} and closed the account. I asked them if this was going to affect my credit rating and they said that they were n't going to report it to the credit agencies. the following monday I got an alert from XXXX XXXX saying that my credit score went from XXXX to a XXXX. Not only did they not contact me for 8 years to settle the account, but they assured me that the outstanding balance was their fault and that no credit reporting would occur. I feel that I have been unjustly treated and my credit score should n't be affected.
on XX/XX/2018 Home Point Financial experienced a technical issue that affected the accuracy of the information to one of the credit reporting bureaus. As a result my mortgage account was reported delinquent 30 days. 

They sent out a error report to the credit service but as a result my credit score went from XXXX to XXXX.
I 've submitted numerous documentation to this company to verify that this account was n't mine. They 've told me numerous time 's that they 've removed this account from my XXXX report, but never have.
Spoke to customer service on a account that is not mine, explained to them that I had identify theft in the past, and this account does not belong to me, continues to ask me questions and talk around the problem. I told them they purchase debt without verifying anything, account does not belong to me, please remove it from all my credit reports, XXXX, XXXX, XXXX.
Spoke with representative and informed her that I was n't made aware of this really old debt and had n't been contacted about it. Now that I pulled my credit report I wanted to take care of it, only if they would agree to delete it from my report and send me something in writing stating that it was resolved and would be deleted. I specifically ask if paying the debt could get the debt deleted. The rep verbally agreed that once payment was receive that the XXXX XXXX XXXX debt would be deleted from my credit report and that act was misleading and deceptive. Now they are telling me that they are unable to delete it from my credit. I 've made several calls in attempt to speak to a manager ( XXXX and XXXX ) but somehow they are never available to take my call or some how the call is mysteriously dropped.
Creditor 's representatives gave me incorrect information regarding " filing a dispute ''. If Creditor 's representative did n't mislead me, I would not have a balance on the account. I would have disputed a {$5000.00} charge and it would n't be on my credit