WillisBack/dataset-financial-user-claim huggingface dataset:
While at a XXXX XXXX art auction on a cruise ship ( XXXX XXXX XXXX ) the Park West employees placed a number of art works on the stage. The auctioneer then told the audience that as a reward for simply applying for a Park West Collectors credit card the applicant would receive any XXXX of the artworks displayed on stage absolutely free. I filled out the application and told the Park West employee my choice of the free artwork. At that point I was pressured to purchase XXXX artworks by the same XXXX for a total of {$810.00}. I chose not to purchase these artworks, indicating I only wanted the piece of art that was offered for free. I was then given an appointment to come to the Park West office after the auction, which I did at the appointed time. Upon arrival the representative told me my choice of artwork was out of stock and that I would have to pay {$35.00} to have it shipped from another location ( I found the same piece of art listed online for {$35.00} with free shipping included ). I told the Park West employee that there is at least XXXX such piece of art available-the one that was displayed on stage. I further told the representative that It is deceptive to display such a piece of art as available at no cost when it is in fact not available. I then told the representative that I wanted to withdraw my application for the credit card and demanded the application I had completed. The representative gave me the application and I left with it, thinking this was the end of the matter. Upon arriving home I discovered an E Mail from XXXX XXXX indicating a new credit account had been opened. I went to the Credit Karma website and discovered that Park West had in fact opened the credit card account against my stated desire .It is a Park West Collectors card through XXXX Bank XXXX
I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to  verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
In early XXXX 2017 I borrowed XXXX dollars from an on line tribal lender " big picture loans '' unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered to my account, I was unaware of the 697.0714 % interest rate! Payoff amount {$3200.00}! I have contacted The Florida Office Of Finiancal Regulation and XXXX, I was told Big picture loans is not licensed in Florida. I am now aware that this loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of XXXX dollars. I have paid off the XXXX dollar principal and plus. After educating myself I am submitting this complaint to stop being harassed by big picture loans with endless emails
This debt was supposed to paid worker compensation because I was injury but Stalling fin Group put this debt on my credit report ... .even when this debt was paid
I RECEIVED A LETTER FROM AMEX DATED XXXX/XXXX/2016 ADVISING ME THAT A 3RD PARTY AMEX USED CHANGED MY SSN WITHOUT CONTACT INGTING ME AT ALL? HOW CAN A 3RD PARTY LIKE XXXX BE AUTHORIZED TO CHANGE A SSN WITHOUT THE PARTY 'S KNOWLEDGE, AND ON TOP OF THAT THEY GAVE AMEX A WRONG SSN??
I purchased a used XXXX XXXX XXXX in XX/XX/XXXX through a dealership and obtained the loan through Wells Fargo at an interest rate of 14.99 % for Account # XXXX. The loan was paid in full on XX/XX/XXXX. In XX/XX/XXXX I joined the XXXX XXXX XXXX and served on XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. Furthermore, on XX/XX/XXXX I Palace Chased into the XXXX XXXX XXXX and have been actively service as a traditional Guardsman for the Colorado XXXX XXXX XXXX since then. I have been placed on XXXX XXXX ( title XXXX ) order several times since I joined the XXXX XXXX XXXX, one of which included a XXXX to PACAF from XXXX XXXX - XX/XX/XXXX and subsequent orders from XXXX XXXX and XXXX XXXX. 

Upon returning from my XXXX, I learned about the benefits offered under the XXXX in order to protect service member from high interest rates. Therefore, on XX/XX/XXXX, I contacted Wells Fargo to dispute the high interest rate and hoped to get reimbursed the difference over the APR that the service member is protected for under XXXX due to a pre-service loan. I explained that I am fighting to be reimbursed the difference from XX/XX/XXXX - XX/XX/XXXX ( which is when the loan was closed ). I received a denial letter from Wells Fargo stating the following : - " we are unable to provide benefits at this time due to the following reasons : '' 1 ) Information we received indicates that it has been more than one year after the end of the service member 's period of military service ; therefore, we are unable to provide XXXX benefits. 

Upon receiving this denial letter on XX/XX/XXXX, I contacted Wells Fargo to explain that I am still serving in the military and returned from a XXXX on XX/XX/XXXX ; therefore, it had not been more than one year since my period of military service. I escalated the dispute to The Office of the President at Wells Fargo and on XX/XX/XXXX by calling them directly. On XX/XX/XXXX I received the same denial letter informing me that I had to have made the request for XXXX benefits by XX/XX/XXXX. 

I have tried to seek assistance for this matter since they are denying me under false pretense that I am no longer in the military. I have provided them with proof that I am STILL serving in the military by submitting my XXXX, Title XXXX orders, and detailed explanations of active service, but they are still telling me that I no longer have the right to fight for the XXXX benefits. My dispute was initially made less than XXXX after ending my last set of XXXX XXXX order ; therefore, I do not understand why I am being denied these rights. Especially since I am seeking reimbursement for a time period when I was on XXXX XXXX. Can you please advice me on my rights and explain why or why no I am being denied? 

Thank you for your time and assistance with this matter. 

Respectfully, SSgt XXXX XXXX
My daughter asked her Grandmother to co-sign on XXXX XXXX loans. The loans were sold to Navient. XXXX did not finish school because of the expense. She instead started working for a very large corporation who is paying her salary plus bonus. The only salary that XXXX can commit to is {$20000.00} per year. Her loan payments are {$600.00} per month. She tried to renegotiate, she tried to get her interest rate reduced but they turned down every request for assistance. She has a very good credit history with Navient. 
The problem is her Grandmother is XXXX XXXX XXXX and this company calls her 8 or more times a day starting on the day the loans are due. XXXX pays her loan payments with a paycheck that at times does not fall on the due date. They have told a XXXX XXXX XXXX women that the only way they will stop harassing her is if she gets a lawyer to send a Cease and Desist letter or give them her credit card number. XXXX does not have a 30 day late on her credit report. 

We have gotten a lawyer and we are sending a letter to this company. I do n't know what else can be done about the harassment of a co-signer. They said that legally they can start call her at XXXX and continue up to 8 times a day through XXXX. Its takes several days after a payment is made for the calls to stop. This is a XXXX XXXX XXXX women who is too afraid to not answer the phone and they know it. 

This story about student loans and Navient is a very common story. There must be a way to get this company to stop the harassment. No one requests to do business with them. People who take out student loans with the government are not given any notice or warning that the the loans will be sold to this company. 
Something must be done to protect people against this kind of harassment.
I was in an automobile accident, not my fault. The other driver received violation for running a red light at XXXX, totalling my car, which was paid off. Due to existing health issues, job loss and already battling a home foreclosure at the time. My credit score was not what lenders liked to see ( now I 'm starting to think maybe they do ) higher interest rates, excuses to take advantage and collect money. As I explained my situation to Toyota Finance, which I located them due to researching the same BMW x3 that was just taken from me. I arrived to see BMW x3, mind you I suffered a concussion and was badly hurt but I was pressed for time before I had to hand rental back over. After arriving at Toyota XXXX I never even seen the BMW X3 I somehow left with A XXXX Camry SE after putting XXXX down and leaving with a XXXX a month car payment. My foreclosure XXXX mortgage was XXXX a month which I explained, I did need a car and the sales guy was great but having no payment, car accident, and so on, I said that was high, he had said I could refinance to a lower rate in two three months. So I left, today I was denied auto refinance, car is behind about to lose it, I paid on XXXX XXXX They said I did n't and I thought at that time I double up on two more and I would be caught up. I also asked for them to please put a payment on back end, I said this is crazy, I 'm driving a car that i had to just " settle '' I was hit by a women who was being irresponsible and I 'm stuck with an outrageous monthly payment driving a car that reminds me of a terrible, frightening moment in my life that I was told to refinance in a few months. Coming up on a year XX/XX/XXXX since my accident, I 'm still driving car, credit shot, and dealing with everyday phone calls, and awaiting a repocession. I do what I 'm advised to do. I believe there is some confusion on last payment, I also tried to get a pay off and it is coming in over XXXX that 's insane I was told by another dealer and a state farm agent. I just ca n't understand how this is ok. Thinking back they had said good news, huge REBATE and he said sign here, I did well GREAT NEWS was n't for me, it was for lender. After I signed it was scooped up and I was told that 's not for you, for me. I was disappointed but they actedas if I was getting this great deal.
In XX/XX/XXXX I received a lawsuit from Kings credit services for the amount of {$880.00} for a medical bill from the provider in XXXX of XXXX. My insurance was provided at time of visit and other bills ( hospital and radiology ) were paid. 
Kings credit services never informed me that this bill was never submitted to my insurance. They stated it needed to be paid by me and I never provided my insurance to the hospital. My insurance investigated this and was informed by the hospital I had a zero balance. In XX/XX/XXXX a judgement of default was placed against me for the amount of {$1100.00} from Kings Credit Services, they added interest. I was informed on XX/XX/XXXX from the Collection agency that they cant wait for XXXX to pay the bill even though the provider never billed my insurance because they placed a judgement against me and they are threatening to garnish my wages.
My mother and I took out a student loan through XXXX years ago and it was eventually taken over by American Education Services or AES. My mom makes payments to the loan every month and has been making the payments the same way for the past XXXX or 6 years. Recently AES took over another loan of mine that I had through XXXX with my father, it was a much smaller loan compared to the one I am complaining about. They took this XXXX loan over XX/XX/XXXX and when they did that part of the payments that my mom was making to our larger loan was being applied to my smaller loan. This was an error on AES part. My mom filed a complaint through you already and AES also sent a letter apologizing to her for the error that they made and informed her that they requested for the derogatory information be removed from her credit report and that her credit would be fixed within 60 days. Her credit is now fixed with her score rising back to where it was prior to this happening, however, my score suffered as well and was never fixed. I filed a dispute through credit karma and the dispute was completed saying they removed the derogatory information from my report however, when I pull up my score it was never corrected. Also, when I pull the payment history it says 30 days past due XX/XX/2015 which is incorrect. Any help getting my credit score fixed from this would be a great help.
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. 

I demand the following accounts be verified or removed immediately.
Under the new law effectively XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear on my credit file. The Credit Bureau has  not updated the information per the new law. I 've contracted XXXX, Transunion and XXXX on several occasions in reference to this matter and they have yet to remove the item. Each send me a response saying that they are still investigating the matter. I 've been disputing this error with all three Bureaus since XXXX 2017 and nothing has happen. True Bankruptcy listed does not include this information and should be deleted immediately from my credit report.
my XX/XX/2016 statement indicated {$370.00} due in fees + overdue payment of XXXX for a total of XXXX. 
( As of this date there 's XXXX in unapplied funds as I am paying extra each month to get current ) {$160.00} listed as maintenance fees rest unknown. the statement listed several fees however each fee listed also listed a credit for the same amount. 
I contacted my server and was told the maintenance fees were due to locks being changed due to an inspection in which the house appeared vacant. I informed my server the house is not vacant and had the locks been changed my tenant would have been lockedout and that is not the case. 
I demanded an adjustment of all fees with confirmation. to this date I have received 2 letter informing me that those fees have been removed. 1st dated XX/XX/2016 & 2nd dated XX/XX/<YYYY> however per my statement dated XX/XX/2016 those fees are still part of the overdue amount. I have requested in writing that they correct this and just ignore me.
I have been trying to call Flagship for two days. I called XXXX and they transfer me to XXXX which no one answers. On XXXX XXXX, 2016, I was on the phone on hold from XXXX to XXXX XXXX EST. I was not able to talk to a representative. I want to talk to a representative to negotiate a payoff of my account so I can re-establish my credit.
On Wednesday XX/XX/XXXX I arranged a meeting with XXXX XXXX from XXXX XXXX XXXX in order to see a house that I was interested in renting, the address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA. 

When Mr. XXXX showed me the house, he told me that for the application process they have a broker that checks credit with a soft pull ( like any other free credit report service ), meaning it wouldn't hurt my credit score. But then after I applied, the owner from the property, without my consent ( supposedly to dig deeper into my report according to XXXX XXXX ), pulled a hard inquiry on my credit using my SSN without my consent. 

Hence, I have now an unauthorized hard inquiry on my credit report. Since it was an unauthorized hard pull, I'd like to get it removed from my credit report, which is the fair thing to ask in this case. 

I have screenshots of the conversations I had with the real estate agent who was working on the property, and he confirms that that hard pull was unexpected ( not informed to him as well ) and done without my consent.
I worked with Citi to access my credit card account and they closed my credit card account against my will. I am worried that this will impact my credit score. I will promptly work with Citi to try and re-open the account, but I have the same concern. I am worried that my account closure will affect my credit score when there is a lack of sure-ness about if their processes " identifying the fraud event '' is so sure or not. regardless, I requested that they don't close the account, yet they closed it anyway.
Re : ROTH IRA for a Descendant Have sent 3 Letter 's of Instructions over the past 8 months to close a Descendant ROTH IRA of over {$220000.00} and still have not received a check. 

XX/XX/XXXX and XX/XX/XXXX mailed and faxed Letters of Instruction to XXXX XXXX. " XXXX '' in the IRA Dept instead XXXX documents to transfer funds into an Estate Account. We do not want to do that. We want to close the account. 


XX/XX/XXXX Sent another Letter of Instruction. No response.

XX/XX/XXXX telephoned XXXX XXXX. " XXXX '' in IRA Dept stated that " no supervisor is available '' nor " no Manager on Duty is available '' and " XXXX '' could not assist. Then she found Supervisor " XXXX '', who refused to give us his surname, to be available. 

" XXXX '' said he is a Supervisor but could not assist us. We gave him our name, account number and telephone numbers. We await 48 hours for him to read the file and get back to us. 

Descendant passed away 1 year ago and to this date, we have been unable to close this ROTH IRA account. The Descendant 's two other accounts at XXXX XXXX were successfully closed.
This company XXXX XXXX XXXX XXXX XXXX is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
The account in question was sold to a debt collection agency and I was not informed of my right to dispute. Furthermore, when I did dispute this account based off of not having a contract with the debt collection agency, the credit bureau removed the account and the debt collection agency then reinserted it without any written notice whatsoever and did not send any information showing that they did their due diligence to investigate or ensure the information obtained was complete and accurate. I called and left a voicemail to let them know that I would be taking action should be the account not be removed from my credit report immediately.
On XX/XX/16 I spoke with 3 representatives of Capital One. I would like to point out that the initial person was understanding until I didnt understand and she started using condescending phrases like sweetheart. I spoke with an account supervisor and a sr. Account manager. The Sr. Account Manager XXXX ( Employee ID : XXXX ) was extremely condescending. She would cut me off and say things like Im not going to go back and forth with you, implying that I was in a hostile state. Which I was not. I didnt understand. My account didnt draft for the month of XXXX at no fault of my own PER the first representative I spoke with and my minimum payment due had increased for the month of XXXX 3x the normal amount because of this error. While speaking with the representative I made the payment for the XXXX payment and she agreed the late fee should be waived HOWEVER my XXXX payment would still be double what it is normally. The Sr. Manager stated I cancelled it but was not able to tell me why or how I cancelled it and again became extremely RUDE during the call. This is the WORSE customer service Ive ever experienced. My issue is still not resolved and I still dont know why, how or when the auto pay was cancelled.
XX/XX/2016 I came inside and paid {$350.00} ( and the bill shows this ). On that date, I completed an INTENT TO VACATE form and gave it to th rep along with the lock etc and moved all of my things out as required. So the account should have been closed on XX/XX/2016. Yet they kept billing me over 6 months for an empty unit, which I did not use or need. They claim to have sent a certified letter but it's a lie and they dont have proof of the mailing etc ... Now they have placed me in collections for over {$1300.00} -- - all of it late fees.
There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).XXXXthe inquiries are XXXX XXXX XXXX ( on the datesXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ),  XXXX XXXXXXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XX/XX/XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX )
The mortgage service provider ( SP Servicing ) has failed to remove private mortgage insurance ( PMI ) from the loan while overcharging on their escrow calculations. Furthermore, the service provide has refused to remove the escrow account. XXXX requests were in accordance with Federal and State of Texas law. The service provide has also paid of home insurance XXXX on separate occasions, and failed to pay on time on another.