WillisBack/dataset-financial-user-claim huggingface dataset:
i am having a problem with getting discover card unsecured i have had it secured since XX/XX/XXXX and they said would start reviewing my account automatically the XXXX of every month since XX/XX/XXXX i have paid all my bills on time every month with discover and all my bills on time every time i call them they tell me same automatic review thing. i put down a XXXX deposit and want to be unsecured on this card. they were very rude and unprofessional to me for asking and i didnt appreciate it discover talked to me like i was stupid for asking
Credit Collection Services claims I owe XXXX for an auto policy with XXXX XXXX. This policy was canceled prior to their cancel date of XXXX XXXX, a final payment was made before and should have brought the balance current and paid in full. They claim I owe XXXX, which is a ridiculous amount of money for a policy which I had already been paying on. I think the Liberty Mutual rep ( s ) I spoke with failed to cancel the policy when I first requested, however, the amount in question is still absolutely crazy and I refuse to pay it. The reason for canceling the policy is because the vehicle had been sold to XXXX XXXX XXXX, I no longer needed insurance on it.
Hello my name is XXXX XXXX, I have XXXX private student loans that sum the total of {$61000.00}, I usually pay {$390.00} monthly and its a lot of money for me since I 'm the only one who brings money to my house. Yesterday I was scheduling a payment and I noticed that they increased my monthly payment to {$400.00}, I called them and they say that they increase the interest rate just because. It 's this even legal??? Please help me out, I 'm not trying to forget my loan I really want to honor this debt, but I do not know what else to do. This is my information below.
Credit Bureaus changed the status of my XXXX XXXX XXXX Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the XXXX XXXX XXXX XXXX, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.
I was given a {$100.00} Visa gift card for my birthday on XX/XX/XXXX and I tried to use it twice the following week and the card wouldnt work. I thought that maybe I needed to register it online, so I went onto XXXX and realized that the card was already registered to someone else and a purchase had been made the day after it was given to me by someone that is not me in a city where I do not live and there was only a {$.00} balance left on it. I followed the instructions to register it as stolen after calling the lost and stolen number on the paper included with the card, which included faxing in a copy of the card, my ID, and writing a letter asking XXXX XXXX ( the company who handles the card ) to open a fraud investigation. I faxed all of the information in, and after three tries of sending in physical and electronic faxes ( through an app ) they still hadnt transferred the card to my name or opened an investigation. I talked w/a supervisor on XX/XX/XXXX and told her that I wanted a different option for sending in their required info, and she gave me the address of where I could send hard copies of this information, which I immediately did. I still had not heard anything back on XX/XX/XXXX, so called in again and was told that they had transferred the card to my name and received all of my paperwork and were opening an investigation. As of XX/XX/XXXX, I called back again and was told that the card was NOT in my name. I called back on XX/XX/XXXX to  talk to a supervisor and was told that they are still in the process of putting the card in my name and that it may take an additional 90 days to do the fraud investigation. When I asked that customer service rep what company he worked for because I was going to file a complaint he told me, " XXXX XXXX ''. I specifically asked him, " that is the company name? '' and he said " yes. '' I believe he intentionally gave me the wrong information as the card is drawn from XXXX XXXX so that I would not have accurate info for a complaint. This company has been an absolute disaster to work with, with numerous people giving me inaccurate and erroneous information for something that was NOT my fault and that should be easily rectified and they have made it incredibly difficult every step of the way. I have now spent hours on the phone, doing faxes, and sending papers just to get a replacement {$100.00} gift card, and every time I call I have to go through the same process over and over again and there is never any progress or solution. I believe they are making it intentionally difficult so that they do not have to give me a replacement card.
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. <P/>Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? <P/>As previously pointed out to you, XXXX XXXX XXXX, 6th Edition, 1990, defines 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. <P/>What this means is that your company must be willing and able to produce a document 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. 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. <P/>Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. <P/>Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. <P/>A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. <P/>XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account
On XXXX XXXX, XXXX, it was explained to my that my mortgage is in arrears due to the closure of bankruptcy. The company failed to explain once the bankruptcy claim was completed that an additional adjustments of {$200.00} was needed to recoup the monies that were paid during the financial crisis. Each month I would send in my mortgage thinking every payment was being applied properly to find out that the monies were adjusted to satisfy the rate during bankruptcy. 

I have had so many different grieves with this company dating back to XXXX. During that time the company applied something called Principal Curtailment starting at {$1000.00} and the monies grew up to the amount of over {$7000.00}. The loan is a projected as a predatory leading practices and I have written several officials both locally and state representatives. 

Each year their is a new issue with the payment schedule and I really need help and referred to a legitimate company with honorable practices. I have attached a few documents to provide an overview of the problems and attempt to satisfy any errors in the payment schedule.
I 've been banking with Bank of America for 7 years and never had any problem until XX/XX/XXXX. {$1400.00} was stolen from my checking account ( XXXX XXXX XXXX ). These were unauthorized withdraws. ... Incident took place in 3 different occasions ; XX/XX/XXXX as well as XX/XX/XXXX and or XX/XX/XXXX. XX/XX/XXXX, {$400.00} was withdrew at XXXX XXXX, XXXX NY. XXXX and or XX/XX/XXXX, {$200.00} and {$800.00} was also withdrew ( from XXXX XXXX XXXX Ny ). I knew about the incident through Bank of America, via a text message. On XX/XX/XXXX or XXXX, I got a text message from Bank of America saying that I should confirm a possible {$800.00} withdraw. I immediately replied to the text and alert the Bank about the fraudulent. The {$800.00} is suppose to be a 4th withdraw ... But, was declined because this unknown has reached my daily withdraw limit. 
I was asked to filed a claim which I did. 2 weeks after I filed the claim, Bank of America Fraud Department connected me. They asked what happened, I told them the truth. I told them that the debit card was in possession when the fraudulent activity occurred. I told them that I did not know who did it ( which is true ). I told them to pull the surveillance camera/footage ( all evidences are there ). Days after the phone interview, I got a letter saying that my case has been close ; that all transactions were posted correctly ... I was hurt. I was disappointed but I could't challenge their decision because my father was extremely sick at a time and all I care about was to keep my father alive. I took my father from one hospital to another but he later XXXX XX/XX/XXXX. XX/XX/XXXX, I lost my grandmother. XXXX XXXX I lost my job because I could't focus on the job.. I have been through a lot. I have lost a lot. I am not writing this letter to gain sympathy..I am writing this letter because I need my claim and case re-opened and properly investigated. It hurt that NO ONE from Bank of America Fraud Dept took some time to investigate my case.. Because if someone did, I would n't be writing this letter. I 'm kindly requesting that Bank of America pull the footage, survillance camera and pictures ( from the locations where all ATM withdraws occurred ) and properly review/ investigate my case. The debit card that was used to make these withdraws was n't mine. I was never in the area. No one else has access to my debit card or pin number ( I had my card on me when the fraudulent was going on. I am a victim of card skimmers. As previously stated, I have been banking with Bank of America for 7 years. I never withdrew money at XXXX XXXX and XXXX ; or XXXX XXXX. It will be greatly appreciated if the individual ( s ) involved are arrested for putting me through XXXX. No one deserve this. Lastly, I would like to see the footage of all withdraws that took place XXXX, XXXX and XXXX ( for the amounts stated above ).
I GOT MY ALLY CASH BACK XXXX CREDIT CARD ON XXXX XXXX. I HAD GIVEN MY CREDIT CARD ACCOUNT TO XXXX FOR MONTHLY PAYMENT. XXXX WAS TRYING TO TAKE MONEY ON XXXX XXXX, BUT THIS BANK REFUSE THEM. AL THOUGH I ACTIVATE THIS CREDIT CARD IN XXXX.BUT THIS BANK HOLD MY CREDIT CARD ACCOUNT WITH OUT INFORMING ME. I DO NOT THEIR CUSTOMER SERVICE. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. ALTHOUGH, I MADE PAYMENT ON THEIR WEB SITE ON XXXX FOR FIRST STATEMENT FROM MY CHECKING ACCOUNT. THEY CAN NOT CONFIRM MY PAYMENT. THIS BANK DID NOT TOOK OUT MONEY FROM MY CHECKING ACCOUNT AS OF XXXX. GENERALLY, CREDIT CARD BANK TOOK TWO TO THREE DAYS TO WITH DRAW FROM OTHER CHECKING ACCOUNT. BUT THIS BANK TOOK MORE THAN A WEAK. THIS CREDIT CARD WAS ISSUED BY TD BANK, NEW JERSEY. I DO NOT APPRECIATE THEIR CUSTOMER SERVICE AT ALL.
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX XXXX and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Reporting Act, you are required to comply. My name is XXXX XXXX XXXX
Debt Recover Solutions is attempting to collect a debt that is past the statute of limitations and past the 7 year period for Fair Credit Reporting. They are using illegal tactics such as re-aging and ignoring validation attempts.
I received an alert from XXXX XXXX that my credit score dropped by 47 points on my XXXX report. I had no major changes on my accounts ( even during the holidays ). After carefully examining, I realized that Capital one had reported me 30 days late. I called them and explained that I moved in XXXX and that I have NEVER had any issues prior to this. I admitted my mistake and requested for them to remove this information as a goodwill adjustment. They initially stated that they couldn't remove it. I asked to speak to a supervisor who initially told me the same thing, and explained that he never encountered this situation before. After twenty minutes on the phone, he suggested that I contact the credit bureau and dispute it. I questioned the validity of his information since the credit bureaus will only report what Capital one reports. The supervisor, XXXX suggested that I send the request to the credit dispute department which I did, but I did not receive any response or solution to my request. I have this account since XXXX of 2016 and I have NEVER been late. I had such a good payment track record with Capital one that I even have car financing from them.
Hello. I underpaid Chase by {$40.00} on XX/XX/XXXX by accident for my XXXX payment, which was less than 1 % of my total bill owed. I am strictly a conveniece credit card user and pay my bill in total every month. I have had a credit card with Chase for years and they know my payment history. They charged me interest of {$24.00} on my XXXX statement and {$7.00} on my XXXX statement, totaling {$32.00}, almost as much as the {$40.00} payment for misreading my statement. 

I called and complained last night ( XX/XX/XXXX ) and was told the interest will be credited back to my account. It hasnt been credited back yet, prompting me to write this complaint. I recently moved and have had some large charges on my credit card and Chase applied the interest rate for the total charges on my account, all because of misreading my balance due. This is outrageous! Customers like me should be given the benefit of the doubt! If I hadnt frozen my credit reports after the XXXX breach, Id immediately cancel this card and apply for another. This practice by credit card companies must stop! 

Thank you, XXXX XXXX XXXX
I submitted a complaint against TransUnion for listing a business-related debt on my personal credit report within the last two years. I submitted proof that the debt was a un-guaranteed business debt. In response, TransUnion removed the debt. In a report that I received today, the debt re-appears.
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. RECIEVABLE RECOVERY NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
I have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX bank has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.
The collector From D2 Management was very rude and pushy. He was trying to bully me into paying a balance from an " old '' payday loan. I asked for validation of debt. He told me that I didn't need it. I told him I was at work, he told me I had to handle this now. 
He did not say This is an attempt to collect a debt. Told me they would sue me if I didn't handle it.
The company/lender is trying to repo our car, Its the only car we have and depend on this car for work in order to pay our bills, without this car nothing gets paid and we lose everything including our home. 
We have offered to pay them {$1000.00} a month to get the loan current, that 's over {$300.00} more then the loan payment, we have asked several times for them to reconfigured the loan in order to get the payments lowered as to make it more affordable for us to manage after losing my job, they refused, in turn this resulted in falling behind with the payments, and the car ordered for repossession. 
Is there anything I can do about this and them refusing offered payments?
In 2014 my purse was stolen from me with all of my banking information inside of it including my Pin number and account information to the TCF bank. As I went in to try and close the account and get a new credit card the bank had explained to me that a fake check was deposited into my account for {$2500.00}. I then filed a claim and a police report and also got my lawyer involved with this issue. I sent in multiple pieces of evidence showing that I was not the one who applied the fake check into my account, these are documents I still hold with me today. After sending in all of the information I had on the identity theft the bank came back and said that I am responsible for the incident and I have to pay the money back even though I sent in evidence showing it was not me. This has been going on for over a year now and is preventing me from making any further life changes with this on my credit report. I am not allowed to have a bank account and I am unable to find a place to live or buy a car due to this issue. I am not sure why during investigation they did not look at surveillance cameras or anything else to help solve my case but I can still prove today that I am not the one that deposited the fake check into my account.
NCB management calls me ove r 10 ti mes a day. They call early and late. They have now changed their number to unknown. I am trying to dispute this debt but they still call.
I have lost count as to how many times I have contacted XXXX XXXX with the goal of getting them to do what is required by law with the transfer of a mortgage. But as of this date they are still NOT complying with the legal requirements for transferring a mortgage and therefore I am being forced to take this matter to the next level. 
They have erroneous stated in each of their letters that I am represented or have been represented by the XXXX XXXX XXXX. IN EACH RESPONSE TO THEM I HAVE INFORMED THEM THAT I AM NOT AND NEVER HAVE BEEN REPRESENTED BY THEM AND THERE ARE NO RECORDS TO SUPPORT THAT LIE THEY ARE ESPOUSING! THEREFORE, THEY DO NOT NEED ANY TYPE OF CORRESPONDENCE FROM A FIRM THAT I HAVE NEVER USED! I AM TELLING THEM THERE IS NO CONNECTION AND EITHER THEY ARE INCREDIBLY STUPID OR DO NOT HAVE ANYONE AT THAT COMPANY THAT CAN READ! THERE LIES ABOUT SENDING ALL COMMUNICATION TO THAT FIRM IS ALSO UNLAWFUL! I have STILL NOT LEGALLY been informed concerning this transfer they are stating has taken place. In their last response they FINALLY ADMITTED what I have been telling them in every complaint and even apologized to " the mortgagors for any inconvenience they may have caused ''. BUT, EVEN AFTER ALL THE COMPLAINTS I HAVE FILED AGAINST THEM THEY STILL HAVE NOT COMPLIED WITH THE LEGAL REQUIREMENTS OF TRANSFERRING A MORTGAGE BECAUSE I HAVE NEVER RECEIVED ONE PIECE OF PAPER SENT TO MY RESIDENCE NOTIFYING ME OF ANY CHANGE IN MY MORTGAGE. NOTHING FROM XXXX OR THIS COMPANY SO AS FAR AS I AM CONCERNED LEGALLY, XXXX STILL HAS MY MORTGAGE! IT CAN NOT BE IN FORECLOSURE BECAUSE XXXX IS UNABLE TO FORECLOSE DUE TO THE SUPREME COURT CASE THEY LOST! IF ANYTHING IS DONE BY THIS COMPANY REGARDING MY HOME I INTEND TO SUE THEM IN EVERY COURT POSSIBLE! I EVEN SENT THEM A CERTIFIED LETTER WHICH THEY HAVE COMPLETELY IGNORED! THEY HAVE IGNORED ALL MY CORRESPONDENCE, EVEN THOUGH I HAVE A RECORD OF SENDING, SO OBVIOUSLY ARE TRYING TO CONTINUE ILLEGAL ACTIONS WITHOUT MY KNOWLEDGE! THE LAWS ARE VERY CLEAR REGARDING FORECLOSURE AND THEY HAVE BROKEN THEM ALL!
I talked to my mortgage servicer due to Brock & Scott doing a foreclosure attempt from the prior servicer. The new servisor has no record of my house being foreclosed on and an eviction notice was received to vacate the property XX/XX/2017. I filed an appeal with the courts on XX/XX/XXXX to stop this illegal foreclosure. I am requesting a stay on any foreclosure proceedings until this is settled. Brock & Scott has not responed to my compalints!!
On  XXXX   XXXX ,2014, my wife filed a complain wi th Trans Union Credit to remove a company name from her report,   XXXX   XXXX  l, which was not hers and had no knowledge of it. Trans Union instead add a name to her report that is not her name.
Hi.
I was renting appartments and my landlord put them on the market proposing me to by apps first hand.
I decided to apply to my bank, JP Morgan Chase, where I have accounts for ~5 years.
I called their mortgage hotline. Situation was quite urgent. I applied thru web site on   XXXX   XXXX  , 2017.
I had 10%+ down payment on Chase's accounts and  XXXX +  (Excellent) cre dit score.
Lady on the phone,   XXXX     XXXX , Mortgage Banker who called me after that, tried to get rid of me as fast as possible.
Multiple times I asked her to send me breakdown on closing costs, loan program details. Instead I got only 'preapproval letter'. She also told that it is going to be mortgage program called 'Chase DreaMaker'. No more info. She was extremely inaccurate in locating my appartments in her system, saying that there is a possibility that after everything, bank will not be able to approve project on latest phase.
I tried to find information about so called 'Chase DreaMaker'. No luck - couple of lines of common words on Chase Mortgage.
I tried Chase Mortgage calculator. It showed ridiculous number: closing costs suppose to be   XXXX   per  XXXX  loan.
I decided to go into local Chase Bank.
I called another broker,   XXXX   XXXX  , Chase branch,   XXXX   XXXX  , CA. No luck. Multiple attempts to schedule appointment (including other bank employees) - no luck.
On Monday I finally caught   XXXX     XXXX , it was surprise for her that we had appointment. She briefly told me that I'm, in the middle of contract, can't even think about approval for 'DreaMaker' program, saying that this program for low income people (
I have disputed this debt with the credit reporting agencies and they continue to validate it without providing the information I have requested. I have also asked them to stop calling me and my family.