WillisBack/dataset-financial-user-claim huggingface dataset:
A collection account for XXXX XXXX College, in the amount of XXXX, was showing on my credit report. I contacted the creditor in XX/XX/2017 to ask for proof that this amount was actually attributable to me and I had a legal obligation to pay them. They could not provide this information, so in XX/XX/2017, I demanded that the account be removed from my credit report. It was removed. 

Now I see the account has again appeared on my account. This is a clear disregard of the FDCPA.
I was contacted by CRS ( Commercial Recovery Systems , Inc. ) about a debt they claim belongs to me in the amount of {$1200.00} for a payday loan. They would only tell me the year and amount of the debt and refused to give me any more information. I assure you this debt has nothing to do with me. They said that it was already handed over to their legal department and I would now be getting fraud charges added onto the pending lawsuit against me. They refused to give me any sort of documentation for this debt, and I have never received anything in the mail regarding this. I need these calls to stop.
According to the Cardholder agreement with Bank of America, I am only obligated to pay the monthly minimum. In this case, my monthly minimal payment due was not the balance thereof, but a nominal fee of approximately {$25.00} to {$50.00}, more or less. 
On XX/XX/XXXX, I paid, albeit by clerical mistake/typo, a payment via mobile banking transfer of from my checking account to my credit card account with Bank of America for $ {$2400.00}. I intended to, at that time, to make a nominal payment of {$24.00}. Therefore, I respectfully asked for the difference from what the Bank has partially refunded me already -- of {$500.00}, to what I originally paid plus fees ( factoring any interest charges ), which would total approximately $ 2k either way. 
Moreover, according to the XX/XX/XXXX law -- -Credit Card Accountability Responsibility and Disclosure Act, the Bank acted contrary to this Law by changing the terms and conditions and/or my credit card account info via slashing my credit line by 80 % from $ XXXX to {$500.00} without providing appropriate advanced notice ; considering this lack of due diligence and lack of transparency I respectfully ask for the CFPB to secure me the funds for $ XXXX at this time and/or restore my credit line back to $ XXXX with Bank of America XXXX The Bank refuses to issue me a complete refund because my total credit line is only {$500.00} and it would be over my credit line ; moreover, they 've refused to raise my credit line back to the original amount. 

Thanks for your help and consideration! 
XXXX XXXX
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. you should have this info at your XXXX GA XXXX XXXX closed account XXXX and closed XXXX account XXXX all credit inquires..
I have been receiving telephone calls from it seems Citi-Bank on my number at XXXX. The number calling me is XXXX. It is for a Sear Credit card. I do t have a Sear credit card. I have spoke with someone from Citi several times and today they have called me 5 times. I want and need for this to stop. They wo n't give me information but want my name and SS #. I do n't think so. If these people continue to call and harass me again I 'm suing. 

Thanks XXXX
I recently requested a copy of my credit report. I noticed false late payments on my account from Wells Fargo. XXXX in XXXX 2015 for a 60 day late payment and afew other 30 day late payments. And as much as Wells Fargo likes to call and send letters mysleff nor my cosigner never received notice of a delinquent account. I called to have these late payments resolved in the beginning of XXXX 2015. The man I spoke with admitted the 60 day late payment was put on my account by mistake. He said a letter would be sent out to notify it had been fixed. I never received a letter and when I called to check back they said my dispute was denied. I have my current bank records pulled ready to support my on time payments as well as the words of the customer service associate I spoke with confirming Wells Fargo indeed made a mistake on my account.
I attempted twice to get my free annual credit report from XXXX, Transunion and XXXX on Sunday, XXXX XXXX from the XXXX government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.
I sent every credit reporting bureau a identity theft police report and copy of my id and Experian REFUSES to remove unauthorized inquiries. I called AGAIN XX/XX/XXXX and the representative to remove all unauthorized inquiries from my report. I advised I have contacted these companies and can not get resolution. The representative stated to keep reaching out. That if I applied for a loan companies can do that. I advised her NO I authorized ONE company and they never reached out to verify my identity before allowing them access to my credit like I requested when there is allegedly a freeze. And this is causing a negative effect on my credit. She refused to give me a rep id. And just advised she can put she is on the XXXX team. I advised I did NOT authorize any other company but XXXX and XXXX XXXX to access my credit. I am requesting these all be removed since these fraudulent and unauthorized inquiries are having a derogatory effect on my credit. I have been fighting with them for over 1 year and its increasingly becoming a issue. I am requesting the following be removed. They have allowed companies to access with a credit freeze and wit my knowledge and authorization. remove the inquiries. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I ALREADY HAD THE LOAN XX/XX/XXXX THEY HAD NO PERMISSION OR REASON XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARDS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO NO DATE GIVEN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX MEMBERS XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN I HAVE LEFT WHAT I DID AUTHORIZE NOT LISTED
I received a copy of my credit report which included multiple inquiries made by XXXX XXXX XXXX, XXXX. I have never applied for an account or a credit card with this company. I contacted Chase and all 3 credit bureaus to dispute this incorrect info and asked that they remove it from my credit report. The credit bureas did nothing, but a Chase representative assured me over the phone that the inquiries would be removed because they had no record of me applying for any of their services. A week later I recieved a letter from Chase stating that the inquiries would be removed. I sent this letter along with my initial letter asking them to remove the inquiries, because now I have proof that I never applied for anything from Chase and a written letter from Chase that they were removing the inquiries. This all happened about 3 months ago. I checked my credit again today and the inquiries still remain on two of my credit reports ( XXXX   & XXXX ) and now there are even more of them ( 9 inquiries ). I am convinced that I am either a victim of identity theft or there is a glitch in Chase 's system. The inquiries are happening every month. No one in their right mind would continue to apply with the same company and keep getting denied every month. Either way its hurting my credit score.
Applied for credit, discovered my report is merged, only through Experian, with another persons. Placed a 90 day credit alert through XXXX to be safe. Recieved a letter from Experian stating they can not honor my request. Called and was told I would be transferred to a department that would fix the issue - was an automated line with no help. Called, communicated the issue, was told 3-5 business days it would be fixed. Received a letter stating an inability to honor my request. Was contacted by the individual my report was merged with informing me our reports are still merged and that they received my personal credit information along with theirs.
In XX/XX/XXXX, SLS ( Specialized Loan Servicing LLC ) became my mortgage loan servicing company. They sent out an information letter concerning the PMI ( Private Mortgage Insurance ) that was required by my loan. The document contained the steps necessary to have PMI deleted from my loan. I was in compliance with all the necessary steps that the SLS/Mortgage Company has requested and on XX/XX/XXXX I sent a written request to have my PMI deleted. To date, I have yet to receive any written answers to this request. On XX/XX/XXXX I called SLS and had a phone conversation with several representatives of SLS, including a Executive Service Representative, who indicated that my request had been denied. I requested a written response that stated this denial decision and why but have yet to receive an answer. During that phone conversation, I also requested a copy of the Mortgage companies PMI deletion requirements. I followed up this verbal request with a written request on XX/XX/XXXX To date I have not received any of the above requested information. On XX/XX/XXXX, I again sent a letter requesting PMI deletion and included a copy of the appraisal I had done for this property, which clearly shows my LTV ( loan to value ) under 70 %. The only written correspondence I have from SLS is a form letter telling me that my request in under review. The letter was dated XX/XX/XXXX.
" I have disputed these collections multiple times, which are not mine, and the bureaus have not responded. Sect 609 of the FCRA explains my right to have the bureaus prove these collections belong to me. '' I have disputed these and have been given zero proof that this account is valid and belong to me. I have gotten no paper work on this account and this account has essentially reached it's 7 year Statue of Limitations sunset.
I have initiated a wire transfer on XX/XX/2014 from my savings account at Wells Fargo Bank ( XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to my father 's account in XXXX, it has been more than 10 days and my father did not receive any money yet, when i contacted the bank there is no response from the Branch, i have visited the bank 3 days in a row.
Got new car lease with XXXX XXXX back in 2016 and then had to take new position and pay cut from SSA survivor benefits also. Couldnt afford payment and got it repossessed after a year. XXXX has resold the car and I am not the owner so why would I pay $ XXXX for it? Thats more than my lease balance was so I reported it and they dropped it to XXXX but are destroying my credit by reporting this as ongoing and monthly missed payments even though its listed as a charge off.
I spoke with the company on many occasions telling them I was filing bankruptcy. I know they still have the right to try and collect until I receive a case number. XXXX went to my house and handed my sister a letter that was not in an envelope that stated my account was seriously past due. When I called him to tell him that the letter should have been in an envelope because he was giving confidential information to someone that was not on the loan. He said oh well sorry if that hurt your feelings. I then began to explain why I had to file bankruptcy and he said that when he lent me the money in was not circumstantial to my financial problems. I explained to him that bankruptcy was my last resort and that I tried other avenues and he was like oh well.
I previously filed a complaint with you, it is the Case number : XXXX. 
My complaining is about unfair and deceptive business practices. Bankunited is offering in XXXX XXXX accounts an interest rate of XXXX for 3 months and afterwards, the interest rate is XXXX. However, I have a MM account with BankUnited for almost 20 years. XXXX has been lowering my interest rate until 0.3 %. This means that they have been giving me only a half of the return value, or interest rate that they should in relation with other customers. But, the market value of my money is the same as of those they called as " new money ''. This " new money '' is often the result of closing an account and re-opening it again. 
The first answer of my bank was they were unable to locate my account. Then, they said, that there were too many XXXX XXXX and they did not know who I am. 
Today, after 3 months dealing with them and waiting for a solution ... they offered me 3 months rate at XXXX and afterwards 0.6 %. 
I do not need the intervention of too many people or reps and 3 months waiting period for closing my account, sit in the lobby for XXXX min, and re-open my account again with " new money ''. I would like to know if the CPFP is able to provide me any help or assistance? 
I am XXXX and I have enough neurons to be graduated from an university and this " solution '' sound to me as a foolish. 
I would like to obtain your help if possible in handling this complaint. They are excusing behind an argument that customers has to be checking for " bank offers '', but instead, they do change " offers '' at its convenience b/c my XXXX account was openned at an interest rate of ( at least XXXX XXXX or higher. Then, the bank is able to reduce my interest rate without calling me and ask me if I agree or not with this change, but to increase my interest rate I have to be checking " often for offers '' with the account administrators. 
All banks that I know offer a rate that is directly related with the amount of money in the account.
On XXXX XXXX, 2015, Our company, XXXX XXXX XXXX, XXXX took XXXX deposits, XXXX in the amount of {$2900.00} and XXXX for {$9700.00}, to our bank Merrill Lynch for which we received dated and initialed receipts. When we got our bank statement, these XXXX deposits were not credited to our account. We talked to the tellers, and account representatives about these missing deposits. We were notified that the person who is supposed to scan the checks thought it was done and shredded all the checks on these deposits, therefore, the money is missing. The bank did agree to call all of our customers and let them know what happened, to try and recollect this money. We have had really upset customers calling us telling us that they do n't trust our bank enough to want to send a XXXX check. We have collected a majority of the money, but are still out {$2000.00} of this money. I always thought that if we have a valid receipt for the deposit, it should be put in our account. The bank told us that they will not put the money in our account, even though they know they are the ones who lost the money.
I was charged {$42.00} per month for the past year, XX/XX/XXXX through XX/XX/XXXX via an online payment system called XXXX XXXX as a service fee for consolidating my loans and managing my account through a third-party company called Student Loan Care. My official student loan servicer informed me that Student Loan Care was essentially committing fraud by charging me a service fee. Student Loan Care also sent me daily emails about the annual re-certification process for student loan forgiveness and requested that all correspondence go through them instead of my official servicer. When I questioned my official loan servicer about this, they informed that that is suspiscious activity from Student Loan Care, and that I should not be paying any fee because my loans have already been consolidated with them via the Department of Education and that I have no fees to pay according to their records. I was also recommended by my official loan servicer to file a complaint with the state 'Consumer Bureau, ' alert the Department of Education about the suspected fraud, and seek legal council.
Long story short I made a purchase and did not get what I paid for. I submitted a complaint for reimbursement of funds through Bank of America. I asked to speak to someone in charge of the disputes department, and got ignored.I was asked to submit a claim for my dispute. I submit everything they asked for on X/XX/17, and I was denied my refund because Bank of America told me, " We understand that you were n't satisfied with the outcome of the service the merchant provided, but they have the right to receive payment for any services that were rendered. '' It was not a matter of not being satisified. It was a matter of not getting what I paid for. What if you were charged for something for a service that you did not get in full? Would n't you want some kind of refund?
<P/>You would n't let yourself be scammed by a company so why should I be scammed? I put in another claim and was called by the manager, and once again I followed directions. I submitted my proofs. The manager even told me yes I want to help you, call me, etc. I submitted the claim again, called like I was instructed to, was ignored, and given a claim denial letter on XX/XX/17. <P/>XXXX XXXX BANK OF AMERICA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I am unemployed and a survivor of Hurricanes Irma and Maria. lost all my belongings with the hit of Hurricanes Irma and Maria in Puerto Rico, where I had been living for the past 5 years. 

I request that the law firm representing Credence Resource Management , LLC will understand that I do not any resources nor income.
I do not have a contract with Afni. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.
XXXX   XXXX   XXXX   XXXX   Synovus Bank. customer service  XXXX  Dispute resolution department  XXXX .   I disputed  XXXX  fraudulent charges on my credit card statement  four  times.  XXXX / XXXX /   17,   XXXX / XXXX /   17,   XXXX / XXXX  /17 and   XXXX / XXXX /   17. Th e amount of the  XXXX  charges is {$80.00}.  Synovus s aid the dates of the transactions are outside of the dispute time-frame and will not refund the disputed fraudulent amount, which I have paid.
XXXX loans have been opened in my name and I did not apply for the loans, nor did I authorize anyone else to open accounts in my name. XXXX company is XXXX and the other is Lending Club. After submitting affidavits with XXXX to dispute the accounts, the debts are still showing up on my credit report. I have also received mail from a collection agency for the Lending Club loan. The inquiries also need to be removed.
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : XXXX Balance {$190.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX
Hello, I have a folowing situation - I just legally Immigrated to USA and I don't have any credit history, good or bad. 

I went to XXXX XXXX XXXXXXXX in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of XXXX XXXX XXXX in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but I kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 
I notice that I have 5 hard inquiry from XXXX XXXX XXXX ... But I requested only 1 credit card and I got 5 hard inquiry.

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history.

I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past.

But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card  anyways?!