WillisBack/dataset-financial-user-claim huggingface dataset:
I originally used my reward to purchase XXXX gift cards, prior to redeeming my points for these cards I called customer service to verify that these gift cards would not expire since I was not planning on using them immediately but didn't want my point to expire. I was assured that these cards would not expire. Upon receiving the cards, I opened the envelope and glance inside to make sure the number of cards ordered were there, I did not take them out and look at them. this was back in XX/XX/XXXX ) I went to use them XX/XX/XXXX and was denied at the merchant because they were expired. I argued and said that couldn't be, the next day I called Bank of America and and was told that these cards did expire. I explained to them that it was not what I was told. After over an hour on the phone being transferred all around the company I was told someone would callme back and they will more than likely re-instate my points or re-issue my cards they have seen this resolved that way many times. I never received a call back. Called back again and they stated that they called me back, but after verifying and correcting my phone number the everyone I spoke to on that call the system was still showing an incorrect number. so I was transferred around again and again was told someone call me back and this was an easy resolution. Again no call. This went this way until about XX/XX/XXXX. After numerous transfer I finally go to speak to XXXX who was supposed to be supervisor. She needed to get approval and would call me back that day, surprisingly she did and told me that she had approval to re-issue my cards and they would be sent to my home address. I never received anything. I called again XX/XX/XXXX and spoke to XXXX another supervisor who was going to send me an escheat form to have my cards re-issued and assured me they would. He also did not have notes in the system of my conversation with XXXX. It is now XX/XX/XXXX and I still have yet to receive new cards. I am beyond frustrated. I have been a customer since XX/XX/XXXX and this XXXX card is my go to card for all my purchases and my account is always paid on time if not early. I never carry a balance. I have attached a more detailed letter with all the names of the people I have spoken to over the past 5 months, it's about 20 in all. This has cost me so much time and aggravation.
MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT CAPITAL ONE AND THEIR COLLECTION AGENCY XXXX XXXX XXXX HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT CAPITAL ONE ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT CAPITAL ONE ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******
Our social security numbers were stolen in 2014 to file false tax returns & the thefts never stop. Last week it was XXXX XXXX. As instructed I contacted the XXXX Equifax to put a freeze on our credit. All it took was inputting my social security number and street number ( not city, state & zip code ). I get emails from the USPS with images of mail to be delivered that day. 2 from Equifax, one for me and one for my husband. My envelope from Equifax never arrived ( see attached image ). My husband 's letter included HIS PIN NUMBER WRITTEN IN Bold was on that letter. I don't know of any company WHO SENDS PASSWORDS via US MAIL WITHOUT ANY TRACKING INFO. I have made several calls to Equifax & tried to chat. There's a language problem, the reps in countries outside the US ( XXXX XXXX XXXX ) are extremely difficult to understand.
I am writing to dispute the account currently being reported by XXXX as referenced above. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to the collection company listed above in this letter. 
The FCRA requires Experian to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Experian to remove this item before I am forced to take legal action.
In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : Experian, XXXX, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : Experian, XXXX, and XXXX to remove or delete the negative item on my credit report.
In XX/XX/XXXX, I checked my credit score and found a new account had been added by the XXXX XXXX XXXX XXXX to my report for {$150.00}, which brought my credit down by over 50 points. I submitted a dispute on XX/XX/XXXX and the account was removed between XX/XX/XXXX and XX/XX/XXXX, but my credit is still impacted. Why am I paying the price for someone elses mistake? Ive been working so hard to get my credit raised, and because someone XXXX  up, its affecting me. This isnt right, how can I get my score fixed?
My name is XXXX XXXX, I had an loan with a company name XXXX XXXX XXXX in which was brought out by XXXX now XXXX XXXX. At the time of transfer, I asked several account rep and Service manager to validated the payment history before assuming this loan from XXXX XXXX. At no time XXXX  now XXXX XXXX   validated or send me a verifiable payment history with XXXX XXXX XXXX. I eventually paid this loan off and ask for this account to be closed. At this time, the credit report is not correct due to the date and open of the account, payment history, and the account showing closed as of XX/XX/2417.
On XXXX-2018 I was advised by a law firm that my salaries were being garnished in XXXX County, GA, a county I have not lived in for over 23 years. I went to the county 's public records and XXXX XXXX  XXXX, XXXX filed an Affidavit for Continuing Garnishment and for disbursement funds to be issued to XXXX XXXX ( Attorney for Plaintiff ) -Bar # : XXXX, Tel : ( XXXX ) XXXX. 
I have not been notified of this ganishment ; I do not have any outstanding debt with XXXX XXXX XXXX, XXXX. ; the address Portfolio provided to the XXXX  County magistrate court for XXXX XXXX ( my employer ) is false, as it is instead the address of the courthouse in XXXX County. 
All of my outstanding debts are in good standing. It seems Portfolio is attempting to collect on a debt that has either passed its statute of limitations-as it is no longer on my credit report, or one that I do not owe.
ON XX/XX/XXXX I SEND A LETTER TO XXXX XXXX XXXX. BXXXXx XXXX XXXX XXXX, SD XXXX XXXX MAIL. 

AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. 

I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. 

I CALLED BACK ANOTHER TIME SAME DAY AT XXXXPM EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... 

I ASK HIM DID U GET THE LETTER I SEND OUT ONXX/XX/XXXX HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... 



Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. 
XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX XXXX XXXX. 
To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX XXXX XXXX.
I have received 4 telephone messages from Transworld Systems Incorporated in the past month. They call once a week from XXXX and leave a message to call XXXX XXXX at XXXX. They explicitly state that it is an attempt to collect a debt. I did n't call back because I have not received any written notice of any debt, have no knowledge of any debt and they actually do n't indicate who the call is intended for.
I purchased a {$5.00} dollar item on XXXX, I thought I paid by PayPal, which I usually did and paid with my own bank account linked. However, next day I got a call from XXXX XXXX  ( my credit monitoring tool I use ) regarding my hard inquiry activity. I checked the hard inquiry company, it is PayPal Credit, they opened an account with my {$5.00} dollar balance without my consent, and requested a hard inquiry on my credit profile. What in the world would I open a credit account with {$5.00} purchase? So I called them to close my account right away the next day. I requested to remove my hard inquiry on my profile, they told me to fax over my information. I did fax over. I asked to confirm if they receive my fax, the customer service replied 1 week later, told me they did not receive my fax doc and informed me to fax to different fax #. I am not happy with the speed of their customer service and why did you tell me to fax to one number, then to different next week.
Equifax report received from XXXX XXXX shows an employer in XXXX, CA. 
I have never worked in California. It also shows a late payment from 2003! That should no longer be there.
Issue 1 : My son and I bought a car XX/XX/XXXX. My son made a payment before he went into the hospital on XX/XX/XXXX. Honda Finance never mailed the statement until XX/XX/XXXX. Contact Honda for a payment deferment cause my son had XXXX which put him out of work until XX/XX/XXXX. I asked for financial hardship and got hang up on XX/XX/XXXX then call on XX/XX/XXXX the representative was rude. I asked for supervisor and no responds. 

Issue 2 : I also notice that my income was boost up by dealership. My son wasn't working at the time and I was only one working. The dealer rep fraudulently boost the income and never asked for proof of payroll checks from my son nor me. My son told him he was employed and on leave of absence. His income should be XXXX. Honda Finance never asked for payroll checks either. Every Finance income I had asked for payroll checks before approving the credit application. The contract have no signature
I am on XXXX and the interest on the loan and the payments are too high. I am in hardship and I need a reasonable payment plan I tried talkin to someone but the payment plan included past due payments. The past due payment on top of the regular payment was too much. Its too expensive to have butI needed it at the time.
I was dealing with Royal United Mortgage. A woman by the name of XXXX XXXX leaned on me for about 3 weeks to have an estimate on my house, XXXX assured me that I would be on a fixed 4.25 % interest rate. After I spent {$430.00}. on an estimate ( she also lied about the cost ) ; they upped the interest rate to 5 + %.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
CitiCards refuse to connect me to a manager. Im currently unemployed due to the effects from XXXX XXXX. Ive been making my payments on time but this month ( XXXX 2016 ) my financial situation has gotten worse, I preemptively call CITI CARDS and requested to have my payment date from the beginning of the month to the middle. I was promised a call back from a manager, which never happened. I called again but was unable to speak to a manager again even though I requested it but was told my requested was placed and that I would be able to pay at a later time with not late fee. Unfortunately they did n't comply nothings has changed on my account except for the fact I am now being charged a late fee. Its become apparent they will make up any excuses each day as to why I ca n't speak to a manager. Horrible service line // Condescending over the phones // Straight out liars //
This is my third and attempt to have discharged bankruptcy removed from my credit report. I have written, sent certified letters requesting validation and verification but to no avail. They always respond as verified as accurate. How could that be????? Furthermore they will not provide me with the third party company in which they used to get this information. I know they use these third party companies because I have a letter from the bankruptcy court saying that they do no provide public or personal information to the credit bureaus. And also I froze and suppressed by credit with all of the data mining companies, including XXXX XXXX and XXXX. I strongly urged them to delete this bankruptcy from my account. They have violated several rules and regulations according to FCRA, including section 602 a, b and c. I ask the cfpb to please look into this matter and hold them accountable for what they have done. It this is not resolved here I will be forced to file a lawsuit and let the courts handle it. And I have all of my documents in order.
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly  DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX unverified account XXXX XXXX XXXX unverified account
I have never giving my legal consent to have CBNA Bank Credit cards to run my credit and cause an inquiry Dated XX/XX/2018 their for causing a negative impact to my credit score.
The interest rate on my private student loans have been steadily rising every quarter. They have risen more than 1 % in the past year, with the largest now sitting at more than 12 %. At most, they should have only gone up by .25 % to correspond with the Federal Reserve interest rate hike. In reality, the interest on a loan that ca n't be discharged should never increase. I have never missed a payment, and there has been no change to my income or credit score. I have contacted my servicer twice to inquire as to why they are rising, and have received no response other than " we have received your communication and will be in touch. '' Raising the interest rates on massive student loans for no discernible reason should be against banking regulations.
I 'm writing in pursuit of my owed money from my private loans. I have consiladated twice and my payments exceed well over XXXX $ month. I have joined XXXX and XXXX for 5 years and have received no discount or lower payments because of my civil service. I was told I was ineligible.
XXXX XXXX XXXX XXXX XXXX {$97.00} no valid claim ... account was settled with original creditors by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
My issue is that i 'm a single parent with a background that took up XXXX hoping to obtain work it 's been almost XXXX year 's and i 'm still without work for a trade i obtain and still with a loan i cant afford. my name is XXXX XXXX XXXX XXXX my school was XXXX XXXX XXXX in XXXX, IL
I received multiple calls from Integrated Mediation Solutions LLC between XX/XX/2018 and XX/XX/2018 regarding a loan taken out with a XXXX XXXX XXXX XXXX   d/b/a XXXX. Upon first speaking to me, the representative stated that she was calling prior to sending a judgment to my employer to resolve this debt because I failed to respond to a court summons. When I did a case search and was unable to find any filings filed by her company, she then backtracked and said that it had not been filed yet and that she was giving me the opportunity to resolve the debt. I asked for her to provide proof of the debt, and I received a form letter from her company via email ( attached ). On XX/XX/2018 I received two phone calls, one on my personal phone and one on my work phone from this company. When speaking to them, they stated that they emailed me a letter. When I asked for proof of the debt they tried to send me back to the original lender to ask for my contract. I advised that I want Integrated Mediation Solutions LLC to provide me with a copy of it so that I know they have legal jurisdiction to collect this debt. The agent/supervisor continued to try talking me out of this, and stated they would no longer be able to settle later on if I requested proof of the debt today. She stated that I was refusing to pay the debt, and I corrected her by saying I only asked for proof. I ended the call by asking for proof of the debt be provided to me. This lender violated the FCDPA by misrepresenting that they had filed a lawsuit and obtained a judgment already. They tried using scare tactics that were unethical because I wanted proof of the debt as Im authorized under law. Lastly, the original lender is not licensed in the state where the loan was obtained, and loan principal has already been paid in full. The original lender utilized an ongoing tactic of renewing the loan weekly so that it could never be paid back. Lastly Integrated Mediation Solutions misrepresented themselves multiple times - 1. Stated they received a judgement against me already, 2. Stated that I failed to respond to suit filed, 3. Stated they were representing a law firm when they were actually representing XXXX XXXX, 4.  Failed to provide the mini-Miranda stating they were a debt collector in phone conversations.