WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a consumer of citi bank credit card and XXXX  XXXX XXXX for many years. I am a hard working law abiding citizen who believes in a persons second amendment rights. I have never been in trouble with the law and my tax dollars bailed out these 2 companies when their incompetence got them into serious trouble. Now these 2 companies want to restrict the second amendment rights of Americans who bailed them out? I dont think major corporations should be able to make their own laws especially in contradiction to the us constitution. If they are allowed to do this whats next? They dont have to provide services based on the color of your skin? Or maybe because they disagree with your political view? Not being able to get a home loan, not because you have bad credit but because the bank doesnt like you for ... ... fill in the blank. I fortunately have the ability to drop my longstanding relationships with these companies but some may not have that option. This is wrong, this is going down a slippery slope and it should not be allowed to stand.
Hello I had money on my card and I went to buy food in my house and it kept declining my transaction at the register. I had enough money on my card but rushcard would not let me use it. They took my money off my card. Called customer service XXXX got hung up on and was on hold for almost 2 hours.
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Upon checking my credit report I noticed that a collection agency by the name of BYL Collections Service had reported a debt in the amount of {$6100.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 but not mailed until XX/XX/2018 labeled as " debt verification letter '' showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$6100.00}. On XX/XX/2018 I sent BYL collection services another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX and XXXX XXXX credit file. They were not able to validate the account with XXXX   and therefore was deleted.
There are scammers out there depositing fake checks into peoples accounts. I think that all the banks should hold the check for at least 5 days before releasing the money especially for people opening new accounts those are the main ones getting targeted
I owed {$870.00} to XXXX XXXX XXXX XXXX that went to collections some time in XX/XX/XXXX. I was laid off, and only worked part time until recently. With my tax return I intended to pay the bill. Sunrise Credit Services , Inc sent me a letter XX/XX/XXXX offering a settlement for 85 % of the debt on behalf of their client, XXXX XXXX XXXX XXXX. I accepted their offer, and spoke to a representative at Sunrise who took my payment of {$740.00} on XX/XX/XXXX. My check was postdated for XX/XX/XXXX, and cleared XX/XX/XXXX. My bill at XXXX XXXX XXXX reflects the payment, but does not show a XXXX balance. I spoke with several representatives at XXXX XXXX XXXX from XXXX to get the debt discharged as per the letter 's settlement agreement. A supervisor from XXXX XXXX XXXX told me XX/XX/XXXX at XXXX EST over the phone they are not going to honor Sunrise Credit Service 's stated agreement to settle the debt. I have filed a complaint with USPS for federal mail fraud, as this contract was sent through the federal postal service, and is not being honored by one or both parties. Either Sunrise Credit  misrepresented themselves as being an authorized agency for XXXX XXXX XXXX XXXX, which does not seem likely since XXXX XXXX XXXX received my payment through their office, or XXXX XXXX XXXX is fraudulent by not honoring their settlement agreement as authorized through their debt collector.
On XX/XX/XXXX I transferred XXXX euro to my Coinbase wallet. On XX/XX/XXXX I received a message that my deposit would be reversed, because " the name of the bank account does not match the name entered on the Coinbase account ''. Coinbase claimed the funds would be returned to the sending bank within 1-2 business days. 

By XX/XX/XXXX the money still had n't arrived at my bank account, so I filed a support ticket, asking when the XXXX euro would arrive. I only received a auto-reply from support. 

On XX/XX/XXXX the money still had n't arrived, so I called their support number and I talked to a support employee called XXXX. I shared with him multiple screenshots as proof of the situation. He told me he was unable to resolve the problem and that my ticket would be escalated to a specialist. They would follow-up with me, as soon as they had an update. Support ticket numbers are # XXXX and # XXXX On XX/XX/XXXX I responded to the ticket, asking for a status update, but still have n't heard back from them and the money still has not arrived.
The AMCA ( American Medical Collection Agency ) are trying to collect a debt for {$960.00} that is not mine. The first letter I received from them was on XXXX, then XXXX on XXXX and this XXXX XXXX on XXXX and now dated XXXX on their letter. This last letter is written in a threatening tone. I responded on the same letters they sent me on XXXX, XXXX, XXXX and mailed the response the same day explaining in very courteous form that they billed me in error, the same on XXXX and now again on XXXX. The letter they sent on XXXX I faxed to my doctor as % his request. I explained on the other letters to AMCA the DEBT IS NOT mine and that I am XXXX and on food stamps as well. I HAVE XXXX. and these threatening in tone communications are exacerbating all my symptoms. They stated in this last letter that I had not disputed the debt ; a blatant lie on their end as I have responded in written form 3 times and I keep copies of everything!!! They have attempted this in the past as well with a much smaller debt. That ended in XX/XX/XXXX but went on for 2 years prior to that as well. Is this company is preying on me because I am XXXX??? Please help me as best you can.
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be  entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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. 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. 


I demand the following accounts be verified or removed immediately. 

South Carolina Student : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ONCE AGAIN XXXX XXXX XXXX AND ITS LEGAL COUNSEL AND AGENTS ARE LLYING AGAIN! AUTO LOAN NO. XXXX AS WELL AS XXXX, AND EXPERIAN ARE IN COLLUSION AND ARE CHRONIC DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. THEY AGREED TO UPDATE UNDER FAIR CREDIT BILLING ACT ( F.C.BA.-T.I.L.A OR BE DELETED BY ALL CREDIT BUREAUS, AS OF TODAY XXXX REFLECTS RECENT BALANCE {$17.00}, XXXX, STATUS ACCOUNT CHARGED OFF {$17.00}, XXXX, the date of status was XX/XX/2018 and a recent payment of {$17.00}, XXXX, this is the same info on EXPERIAN . XXXX AND XXXX   ALREADY DONE SO 3 MONTHS AGO.
I required the services of a software company in XXXX that creates mobile apps. I required the company to create a mobile app for XXXX and XXXX. I made XXXX Paypal payments in XX/XX/2016 and XX/XX/2016 for a total of {$3500.00}. The software company in XXXX has not been able to deliver my app. I requested a refund from Paypal and they stated that the XXXX payments did not qualify for a refund. Paypal stated that they were willing to refund the XXXX payment if I returned the merchandise that I purchased from the seller. I never purchased merchandise. I purchased a service.
Essentially when I left school at the XXXX, I was left with the burden of very large student loans. Half of these loans are serviced by XXXX XXXX ( now Navient ). When I first applied for these loans they made these loans seem like cake and rainbows and that nothing was better. They offered me what they call XXXX, which are anything but 'smart '. They have been unwilling to work with me to come to a reasonable payment option for these loans, and as such I can not possibly make the payments required currently for these loans which puts me and my cosigner at great risk. When talking on the phone with them they seem to everyone just has money growing from a tree in their front yards. I have attempted now to find a solution to lowering my payments in any fashion as I have exhausted all of the forbearance limits they have in place. They have not been willing to work with me and I now risk defaulting on these loans.
I sent a dispute letter to XXXX requesting they verify three collection accounts, one of which this complaint is about. XXXX received my dispute letter on XX/XX/XXXX, they stamped it and returned the receipt to my address because I sent the letter certified and requested return receipt. XXXX XXXX XXXX a collection agency sent me a dunning letter regarding a XXXX account XX/XX/XXXX, This account is listed in my dispute letter. The collection agency asked me for payment in the amount of {$540.00} but stated that their client is willing to satisfy the alleged account for 50 % of the total balance. XXXX has not communicated to me that this debt has been validated and from what I understand this collection agency is not supposed to be attempting to collect this debt until it has been verified which it has NOT.
I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 
I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 
My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 
I demand reinvestigation this dispute for account information from XX/XX/2017-XX/XX/2017 " XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 
I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send them.
Outside ATM took my cash deposit and shut down and did not credit my cash deposit to the account, which is making me late for paying a very important bill on time!!! The Bank ( Citibank ) will not give me a provisional credit to pay my BILL?
I sent a verified letter asking for verification for numerous accounts on my credit report. I sent letter one XXXX17. I sent letter two XXXX17. I then receive a letter from Experian on XXXX-17 stating they have completed the process of my disputes, and will no longer reinstates these accounts anymore. I did not receive verification according by law 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I did not receive verification from numerous accounts.
We had a mortgage loan with Huntington Bank and we are having difficulties in getting corrected yearend statements produced for the years affecting XX/XX/XXXX and XX/XX/XXXX. There seems to be incorrect coding in Huntington 's servicing system where it was not recognizing a bankruptcy that was discharged in XX/XX/XXXX.?? In XX/XX/XXXX both my ex-husband and myself filed a bankruptcy XXXX because of a failed XXXX. The BK was in fact discharged in XXXX XXXX. No reaffirmation was filed. In XX/XX/XXXX we tried to sell the home but was unsuccessful because we owed more than what it was worth. We had several short sale offers come in on the home but with repeated delays on Huntington 's end, we lost all offers. Because of delays and poor customer service by Huntington 's Loss Mit/short sale department caused the home to go to sheriff sale in XXXX XXXX. In XXXX and XXXX XXXX I received several XXXX forms from XXXX and XXXX that were prepared by Huntington. When I received the forms I called Huntington. I left a message with a rep who I explained what my phone call was about. She guaranteed me that someone will contact me back within a week ... ..which of course did not happen. I called again and finally spoke with a supervisor along with a manager and requested a correction. Because of the bankruptcy being discharged and with no reaffirmation filed, we were no longer liable for the debt. I was expecting a correction which would clearly state a " correction '' on the form along with not marking the form " not liable ''. The supervisor did say the proper BK coding was not there and corrections were made. The supervisor advised me that a correction will be sent on the XXXX form but I should disregard the XXXX form since that was an error. Even with receiving what I received and speaking with both the supervisor and XXXX I still felt the proper corrections were not sent to the IRS. Now in XX/XX/XXXX I received not only a XXXX but I received a XXXX on a house that was sold in XXXX XXXX??? The XX/XX/XXXX form came from Huntington Bank ... why? Why would we get these forms? I would like an answer from Huntington advising me that the proper corrections were made to the IRS in XX/XX/XXXX and why am I getting forms for XX/XX/XXXX. When it comes to the IRS I certainly do not want improper information sent to them.
My name is XXXX XXXX. Equifax does not want to remove a charged off account from my credit report that is not mine. I have never had an account with XXXX XXXX and yet Equifax is reporting that I have a {$16000.00} past due account with this company. The account number on my credit is # XXXX. I have sent disputes since XXXX XXXX and to this date, I have not received a proper response as to why they are making this mistake on my credit. The worst part is, I have already called this creditor company and they can not find my information in their system. They are telling me I need to dispute this account with the credit bureau in order to have this fixed.
In XXXX XXXX I applied for an Amex card that offered XXXX XXXX XXXX XXXX XXXX I was approved and I satisfied all spending requirements to be granted the bonus, but the miles have never been credited to my account. 
I called Amex several times and I was always told that an investigation was ongoing. XXXX month later nothing has been resolved. 


Thank you.
This is the second time I am complaining about this company. The first time my mortgage went into foreclosure. This began in XX/XX/XXXX. My lawyer sat on it for 2 years letting the statue of limitations run out. Then the company filed foreclosure. So my lawyer negotiated a re-fi. This first complaint # XXXX. This case was dismissed with prejudice in the courts. in XX/XX/XXXXIn XXXX XXXX XXXX, they stated I did not pay my mortgage. I sent them proof of payments. This time they have admittedly messed up my escrow account. I was told it was escalated but have received no communications in regards to that. Only communications I receive are calls for payment that they increased due to their escrow error. Every time I call or send emails I get passed around and there is never a resolution. They are damaging my credit and causing me hardship because of the higher rates they are forcing you to pay due to their admitted error.

Numerous times as with my previous issues with them I have demanded they close my escrow account due to their mismanagement of fund yet they continue to ignore me.
I want to unsubscribe to Experian credit report that bills me $ XXXX. I ca n't login because of invalid user credentials. I contacted them 3 times, as early as XXXX XXXX, 2015 to request for assistance but they never replied.
On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with Equifax and thought I had it updated was reversed back to a previous name on my report. I have contacted Equifax, XXXX and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.
A new escrow analysis was done and returned a {$700.00} house payment increase. It was discovered that Insurance and Taxes were incorrect. When DiTech took over from Green Tree servicing ( XX/XX/XXXX ), the computer system change over some how double payed my insurance, which caused the increase. Also, when my Tax escrow was computed, Ditech did not take into account My homestead AND XXXX person ( since XX/XX/XXXX -- XX/XX/XXXX on the current property ) exemptions as well as a TAX FREEZE. 

Over several Phone calls speaking with customer service manager XXXX @ ext # XXXX, 5 attempts were made to recompute escrow. Because of Ditech error, not all insurance and processing fees were returned to my account ( approximately {$2300.00} ). 

Full documentation for county Tax computation was FAXed to Ditech but even with correct information, they insisted an approximate {$500.00} increase in payment. 

The credit reporting agencies have also been informed of 30 days late status. This is the first time being late on my house payment, and since I am in the process of applying for a car loan, the information has impacted that process as well. 

Please be aware That XXXX has been trying and not been able to get my problem resolved. She is as frustrated as I in this. She is not far enough up the chain of service managers to get to the bottom of the problem. I honestly believe she is not at fault. 

Between {$2300.00} and incorrect TAX computation, that ALL parties involved agree was originally caused by the Computer system change, I ca n't believe it should be this difficult to correct. The additional fallout of the credit reporting agency notification makes it an order of magnitude worse.
Earlier this year ( XXXX ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!
i WAS TOLD BY CAPITOL ONE REP TO APPLY FOR THE VENTURE CARD I ASKED HER TWICE IF IT WAS A HARD PULL OR SOFT PULL SHE SOFT, WELL IT WAS NOT ... ... ..I WAS THIS REMOVED, FROM MY CREDIT REPORT ... ... ... ... ... ... THAT REALLY MAKES MY CREDIT SCORE SUFFER WRONG INFO GIVEN TO ME
I did not receive a written or verbal notice giving me the opportunity to dispute or pay the debt. I was made aware of the debt when my credit report was pulled recently for a home purchase.
I submitted a fraud claim in XX/XX/XXXX with chase bank they gave me my temp credit, then reversed it!!!! overdrawn XXXX. I 've had the account since XX/XX/XXXX, in that time I was overcharged XXXX I PERSONALLY RECOVERED XXXX this leaving the difference of XXXX plus the charges in XX/XX/XXXX of XXXX. I have provided police reports and defendants that have been convicted of criminal trespass and several other felonies. THESE INDIVIDUALS STOLE MY PHONE, MY DEBIT CARDS, SEVERAL OTHERS IMPORTANT ITEMS!!! in the meantime the State of Colorado IN ERROR sent my minor daughters child support payments to this account and Chase Bank is refusing to return them!!! On XX/XX/XXXX I received a request for the police reports which I provided!!!!! Then on XX/XX/XXXX I contacted Chase Bank and they have refused to put in writing the reason or reasons they wont release the child support payments nor will they answer my questions as to why after I provided the police reports they still say IM A LIAR!!!!! This is absolutely ridiculous