WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016 I lost my debt card issued by Regions Bank. I noticed the card missing on XXXX/XXXX/2016 and reported it lost via telephone. At around XXXX the banker over the phone shut down the debt card and took my current address and stated that a new card was going to be shipped to my new address. I also disputed some fraudulent charges that were made on the account. I also requested to be taken of the overdraft program and not to honor any charges if there 's no funds in the account. This was requested in order to prevent overdraft fee ( {$36.00} each ). On XXXX/XXXX/2016 I called regions bank and request a status on the new card and report that there is automatic payments that are hitting my account and causing the account to get overdraft charges. I explained to them that I was waiting for them to send the new card along with the results of the dispute. I then get XXXX different version of what happened to the card. The first was that the card was going to be mailed to my new address. The second is that they cant send me a card because I have to go into a branch and show them ID and proof of address, and the last that the card was issued to the old address and that it was canceled. I asked about all the overdraft charges and they said that they cant do anything about it, that my dispute was denied, that I have allowed other people use my card. So I am stuck with the theft and the over draft charges. I even ask them to stop payment on all accounts as I originally have requested but they said that they cant do that either. Every time I requested to speak to a supervisor something would happen to the line or it would ring for about 20 mins and then hang up. The last conversation was that a compliant was file with Regions, that the fees will remain, and that I have to go in to a branch. After almost two hours of my time, I got no where and now I have to take time from work and go in person and see if this can be resolved. I am very upset with Regions Bank, they lied to me, made me wait for a card for 15 days when in fact it was never shipped to the correct address and due to this error there is {$260.00} in overdraft fees. I really do n't think this is fair.
Today, using my home computer, I attempted to request an annual free copy of my credit report from each credit monitoring company - XXXX, Experian and XXXX. So my first step was to log into XXXX   's webpage which in turn routed me to " XXXX ''. I was given the option of selecting all three credit monitoring companies, once I was on the web screen for XXXX XXXX - for which I selected all three. While I was able to view and print a copy of XXXX  's credit report I was not so fortunate with Experian nor XXXX. Upon completing the XXXX segment the software skipped right over Experian and went directly to XXXX. After the XXXX credit report was pulled up, and before I'd had an opportunity to review it on screen, while I was trying to figure out how to print a copy of the XXXX credit report I was kicked out of the system with no apparent way back into XXXX
Hello I called are Clark and associates and spoke with a Supervisor by the name of XXXX XXXX and she told me who I owed, how much and advised me she can do a pay for delete. I advised her ok Ill call back tomorrow to pay the balance due she said ok. On Tuesday XX/XX/2018 she called and left me a voicemail XXXX. She then called me back on Tuesday 5 minutes later and then 2 hours later she called again. On Thursday she called me at XXXX and my daughter answered and she said XXXX and my daughter advised her my mom is busy she started laughing and said ok and hung up. I think her tactics are harassing Im willing to pay my bill but not when she is being harassing. I have the voicemail and call records and the call recorded when she spoke to my daughter. Please help.
I am writing you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report immediately. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely manner. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX DEPT OF ED / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT OF ED / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT EDXXXX NELNET {$530.00}XX/XX/XXXX ( 2 yrs, 6 mos ) DEPT ED/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) DEPT ED/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) DEPT ED/ NELNET {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) DEPT ED/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) DEPT ED/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) DEPT ED/ NELNET {$3100.00} JXX/XX/XXXX ( 6 yrs, 6 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) DEPT ED/ NELNET {$3500.00} XX/XX/XXXX( 6 yrs, 2 mos ) DEPT ED/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) DEPT ED/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) DEPT ED/ NELNET  {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) Missouri Southern State {$4700.00} JXX/XX/XXXX ( 1 yr, 6 mos ) DEPT ED/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) DEPT ED/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) DEPT ED/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) DEPT ED/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) DEPT ED/ NELNET {$9200.00}XX/XX/XXXX ( 8 yrs, 2 mos )
Equifax Credit reporting agency has violated the Fair Credit Reporting Act by failing to respond within the thirty day time frame with 100 % debt validation accuracy. Equifax was unable to provide proof that they verified the debt ( s ) and continues to list them on my credit report. The Collection agencies have failed to provide any original documentation, in addition have failed to respond to my dispute. Equifax received certified letters on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. Tracking numbers # XXXX & # XXXX USPS tracking service. Equifax also has been notified through Fax and certified mail with police reports, affidavits, and notarized letters that these accounts where established without my consent and knowledge due to identity theft.
In XX/XX/XXXX I was approved for a consolidation by Dept. Of Education XXXX XXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX ECMC returned approximately 2300.00 back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by XXXX XXXX XXXX 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. In XX/XX/XXXX my wages were garnished. I called XXXX and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XX/XX/XXXX the notice was mailed to me and XXXX resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to ECMC to resolve the issue and ECMC has not responded. I contacted XXXX XXXX with XXXX to explain the situation and ask for his assistance in reaching ECMC to resolve because when I call the automated system referred me to XXXX and disconnects. XXXX assured me He would help and suggested I call back Friday XX/XX/XXXX. Instead of assistance from XXXX, they resolved my dispute and on XX/XX/XXXX garnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue XXXX for unfair treatment and unethical collection practices. XXXX 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.
Hello, I recently became employed with my company and received the XXXX XXXX XXXX prepaid card in XX/XX/2018. Second time of get paid on XX/XX/2018 XXXX was taken out of my account by an unknown merchant. In XX/XX/XXXX I had noticed the charges now and it has been now {$510.00} or more. When contacting money net work I have followed everything that have asked me to initiate a proper dispute and still no resolution. Nor an explanation of why I can not get my credit that I earned.
Equifax has been good about real investigation and having items removed. 
The remaining items XXXX XXXX XXXX XXXX XXXX XXXX, needs to be removed not mine. XXXX, had been removed previously needs to be removed again. Trying to by a home through the VA. And would and need some assistance in this matter before the Consumer Finance Protection Bureau . Please! 
Kind Regards, XXXX XXXX
On XXXX XXXX I was notified by the news, not by Equifax directly, that my personal information was stolen as a result of negligence by Equifax. Using Equifax 's own online system at XXXX XXXX XXXX I confirmed this information. I now have to worry for the rest of my life about my personal information being used to opening illegitimate accounts and debt. This has a financial repercussion in the thousands or tens of thousands.
I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.
First National Bank of Omaha, XXXX account. 
The credit card issuer is refusing to dispute the charge with the merchant. 
In the first week of XXXX I called the bank to dispute the purchase on my card which was a recurring charge from XXXX XXXX XXXX at XXXX that happened on XXXX XXXX when I was out of the country. I have cancelled the service on XXXX XXXX pursuant to new automotive coverage I purchased on XXXX XXXX deeming the service no longer necessary. After a very long wait time the representative told me that the purchase will be disputed and the temporary credit issued ( it was n't ). I also XXXXquested that the XXXX XXXX XXXX charges be no longer accepted. However when I received the statement XXXX weeks later it appears that the purchase was not only not disputed but the new charge from the XXXX XXXX XXXX dated XXXX XXXX allowed. When I called about this, again after about XXXX min wait, I was told that the XXXX purchase was not disputed since the company has 30 days from the original time to have the dispute initiated, contrary to what I was told on the first call in the beginning of XXXX. I requested the supervisor to review the call and inform me why the XXXX charge was not disputed contrary what was communicated. Furthermore on XXXX/XXXX/XXXX I received a statement from the bank that it will not dispute the charge after all and that it is my responsibility to contact the XXXX XXXX XXXX ( I did so twice in XXXX and XXXX ) to have the charge credited. 
Issues : 1 ) Why the the bank has a very long wait times to even get a basic service? 
2 ) Why the CSRs are misrepresenting the dispute process and telling people that the dispute will be initiated and escalated when it is n't? 
XXXX ) What does it say for the corporate culture that is not protecting consumers from unauthorized charges and allowing 30 days for additional unauthorized charges and possibly illegal behavior to occur? 
4 ) Why is it ok by the bank representative to say to the consumer that the dispute is initiated when in fact it is n't and the bank feels it has 30 days to do so contrary to what is represented? 
5 ) Is the refusal to dispute the charge a form of retaliation for the criticism of its operations as it appears to be in my case? 
6 ) In its communication to me the bank stated it requires proof of the cancellation of the XXXX XXXX XXXX service. Since the enrollment and cancellation transactions took place on the phone does it require both transactions to be recorded? Since it is illegal for anyone in IL to record transactions without prior consent, does it mean that as consumer of the bank I have to violate the law since the XXXX XXXX XXXX reps refused to give me a consent for the call to be recorded? 

Sincerely. 
XXXX XXXX
OnXX/XX/XXXX, I sent a letter to Equifax regarding 4 accounts being reported by XXXX XXXX XXXX XXXX in the amount of {$75.00}. I have attempted to contact the collection agency several times by phone and mail to get validation this debt, to no avail. I have disputed this account several times with Equifax due to the address listed on my credit report being incorrect and the phone number being disconnected. I even called Equifax about this problem onXX/XX/XXXX and was told that they would reinverstigate. OnXX/XX/XXXX, I sent a certified letter to the collection agency to the address listed on the report and the letter was returned as undeliverable. ( see copy attached ). However, despite this, I received another letter from Equifax, dated XX/XX/XXXX, wherein they claimed to have verified the account and listed the same undeliverable address and disconnected phone number. ( see report # XXXX attached ) After sending yet another dispute on XX/XX/XXXX, Equifax changed the address listed on my report dated XXXXXX/XX/XXXX.  However, a review of the State of Florida Division of Corporations website revealed that the fictitious name filing for XXXX XXXX XXXX XXXX XXXX, which lists the same address as the Equifax credit report, expired in XXXX. Therefore, this company is not even authorized to do business in Florida. ( see attached Division of Corporation document ) As part of my dispute on XX/XX/XXXX, I sent copies of my XXXX and XXXX reports which showed that both bureaus deleted these XXXX XXXX XXXX accounts months ago as I 'm sure they experienced the same problems I had with verifying these accounts. ( see attached XXXX and XXXX reports )
XXXX XXXX  XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Inaccurately reporting to credit bureaus that my loan term as 538 months. My loan term is only for 30 years which is 360 months. I have disputed this with the credit bureaus and the Ocwen Mortgage company with no resolve. Ocwen is also reporting on my account log in that my loan term is 538. This is not what I agreed to in my loan modification on XXXX.
Fay Servicing LLC : 1. Has misapplied payments 2. Is unable to properly apply and track payments made bi-weekly 3. Is improperly charging me late fees.

4. Has improperly sent me late payment notices 5. The first time this happened, the VP of Account Management, Mr. XXXX XXXX was able to step through dates and payments to verify and acknowledge the above claims. 
6. He adjusted my accounts to resolve the issue XX/XX/2018. 
7. However, the problem persisted and XX/XX/2018 I was receiving late notices again. 
8. In XX/XX/2018 my account had been reported past due to Credit Bureaus. Despite my having never missed a payment. 
9. Again, after several phone calls, and walking the account manager through my payment history and filing a dispute with the Credit Bureaus. The issue was resolved.

10. However, the inaccurate statements persist, the late fees continue to be applied. And now, without my authorization, Payments I specifically designate for P & I and Escrow has been improperly applied to late fees, shorting the scheduled and proper P & I payments. 
11. Attached are Supporting documents and extended narrative.
My name is XXXX XXXX, I am dealing with a situation with XXXX where there is a Repossession showing on my credit file that is not even under my social security number, though uses a like name and same DOB. I have had the credit bureau dispute the item with the creditor and have contacted the creditor directly and the matter has not been resolved to date. I made direct contact with the fraud department at XXXX in hopes to get an immediate action as I have done before but not with this particular account and I don't understand why it has not been removed yet. I do appreciate the help they have given me thus far as their fraud department has been very expeditious in other matters in the past few days so I have no real complaint about XXXX except why would they allow an account to be reported to my file in the first place when it so obviously had a different social security number attached to it? The company that reported the incorrect information is Credit Acceptance Corp. XXXX. They reported an auto repossession to my credit file with a different social security number and upon being contacted were so rude and disrespectful because I had no account information to supply for obvious reasons. I called them back again and was transferred to a young lady who was very nice and gave me the account number, the name used, verified the last 4 numbers of the social used and that the DOB was the same as mine. I supplied them with my name, address and contact number and the police report information and was advised I would be contacted within 72 hrs by their company. I called XXXX again to give this information, including the name of the lady I spoke with, but the account remains on my credit. I don't for my life understand why it was not removed as soon as they realized the social security number was not mine, it wasn't even close. Anyway, the battle continues as there are multiple accounts that do not belong to me that do have my social security number attached unfortunately for me. I hope my story helps someone else out there going through the same or similar situation. Stay on top of your credit and don't take No for an answer. It's your credit, your right and as long as we live in a society that rates you by a number on a report, you've got to make sure it's correct and the information is accurate.
I received a letter from a creditor fro an unpaid debt to XXXX XXXX. I have not had an account with this company for at least 4 years and when I canceled my services in 2012 my account balance was paid in full and all equipment returned. I have not heard anything from this company in 4 years but suddenly a collection account popped up on my credit report and i received a letter in the mail. The name on the letter was the incorrect spelling leading me to believe this may be a false collection. I do not owe any debt to this company and the statute of limitations in AZ is supposed to be 3 years, which has passed anyway. 

This also appeared on my credit report which concerns me.
Company is repeatedly reporting my account past due under 30 Days further hindering my credit report or dulpicating amounts under 30 days raising my debt to income ratio. I have tried to resolve it several times and the company fixed a recall on my car and damaged in the process and refused to assume liability causing me further hardship. But the are damaging my Credit Reporting My account past die when its under 30 Days.
Wells Fargo sent me a new credit card to replace an expiring one in XXXX, and I never recieved it. I let them know. Since I dont use this card very ofton it slipped my mind. In XXXX I got a letter from them stating they had tried calling me and could not reach me so they closed my account as Fraud. I called them and spoke to several different people escalated all the way up to the Fraud Department, who would not reopen my account. This caused damage to my credit report as it was one of my oldest accounts, as well as decreased my available credit, thus increasing my utilization. I feel they could have reopened my account.
In XXXX, XXXX, I received a notice from Phoenix Financial Services that I had an account with XXXX XXXX XXXX of FL in collections for {$65.00}. XX/XX/XXXX, I had paid my bill to XXXX XXXX XXXX. The company subsequently refunded the payment I made, as my insurance had covered the {$65.00} bill. 

I contacted Phoenix Financial Services with the telephone number on the letter I got int he mail. I explained to them the situation. I had both receipts from the payment and the refund. I asked them if there was a way to submit this paperwork. The representative gave me an email address and reference number to send the paperwork to them. I did, and waited a number of weeks to hear back from them. I had not heard anything. I called them a second time, and they claimed that they received my documents but now they had to contact the original creditor. I thought that was reasonable. A few weeks later, I called again. They claimed that they still had not been able to contact the original company. 

A few weeks ago, I called back again. They informed me a second time that they have not been able to contact the original company. I explained that this account was negatively affecting my otherwise clean credit report. It is an inconvenience, as this situation could not be handled in any sort of swift manner. The representative assured me that since it is being disputed, it would be off my credit report. 

I called back XX/XX/XXXX, as I saw the collections was still on all three of my credit reports. The representative told me it was because they usually update once a month, and I should see that they are not there within a few days because it had not been exactly a month since they deleted the information off of my credit report. 

I checked my credit report last week, and the collections are still there. I do not believe that Phoenix Financial Services has contacted the credit bureaus or the original company on my behalf, despite claiming that they are looking into my dispute. 

I 've called Phoenix Financial Services numerous times, and they are not able to make any progress with my dispute. It does not seem like they 've made any effort to even explore the validity of my dispute. I have done everything correctly and everything that they requested for me to do on my end. However, whenever I call them, it seems to me that I get a different excuse from the representative on the line.
My credit record shows a charge due to XXXX, which I do not believe I owe. XXXX has said there is no record of me owing this amount, and the collection agency continues to ignore my repeated efforts to get information to learn what these charges are for. I am attaching the letters I have sent and have not been successful in removing this charge from my credit record.