WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.
This is the second complaint that I have needed to file with the Consumer Protection Financial Bureau against Discover in the last two months regarding a disputed transaction against XXXX. 

The products I purchased from this company made my dog sick. I am holding on to the products for FDA inspection. I have already filed the FDA report as well as one with my state attorney general. Therefore, I can not return the product, but I certainly should not be expected to pay for them. XXXX leads customers to believe that they purchase XXXX XXXX supplements directly from them -- they do not according to XXXX, which can be verified if Discover speaks directly to the company. So they mislead customers in to believing the products are not counterfeit, expired, or tainted when they have no way to confirm that they are not, because they buy the products from an unauthorized third party. XXXX XXXX never sells to online pharmacies ; they only sell directly to licensed veterinarians. 

If Discover fails to remove this charge permanently from this credit card, we will never make a purchase with them again. If these items would have been purchased with our XXXX XXXX or XXXX XXXX card, we would not be having these problems. I've had disputes with both of these credit card companies in the past, and they have always promptly and permanently removed the charges. 

Finally, when I re-disputed the charge with Discover for the second time, the rep I spoke with stated they were able to put it back into dispute status because XXXX didn't supply enough supporting documentation to show the charge was actually valid. Disover records conversations, so what she stated to be can be validated if the bureau requests the recording. Despite this, Discover took it out of dispute status anyhow and expected that we pay it. If this was the case, that XXXX didn't supply enough supporting documentation to validate the charge, they NEVER should have taken the charge out of dispute status. And I certainly don't believe XXXX supplied Discover with any additional supporting documentation this time around to validate they should be charging us for these items. Rather, I believe they took it out of dispute status just like they did before.
XXXX bank is report a balance of {$500.00} on my equifax credit report. XXXX XXXX issued me a refund a few years earlier as the result of excessive nsf fees. The refund was minus the amount owed to them ; however, XXXX is still updating equifax stating I still owe {$500.00}. I have also disputed this with Equifax for them to investigate ; however, it always come back verified as accurate.
On XXXX/XXXX/2015, Dillards/Wells Fargo Bank opened an unauthorized and fraudulent credit account in XXXX XXXX, XXXX in my name and, without verifying the accuracy of any information provided on that application, such as phone number, thus allowing {$2000.00} in merchandise to be charged. I discovered this upon receiving the card in XXXX, my home, on XXXX/XXXX/2015. In trying to work with Wells Fargo Bank to get all the information available on how this happened, find the perpetrator, clear my credit and protect myself, I was treated as the criminal not the victim. I was given no help, no curtesy, no explanations and no satisfaction that my welfare was of any interest. All I was told was that it would take from XXXX days to investigate. I have been forced to take numerous expensive steps to protect myself from the jeopardy that Wells Fargo Bank created because of their inadequate procedures to carefully establish identity before opening credit accounts.
Received a letter on XX/XX/XXXX with a bill attached ... I called the company to send me out validation that this my bill sign signature ... well the rep dates was off she said I got this letter sinceXX/XX/XXXXwhich I am uploading a copy then she stated I went to XXXX XXXX hospital this was not the hospital bill it's the dr.bills & I kept asking her to validate it send me sign signature she said when they requested the sign signature this was all they was sent that I didn't sign ANY paper work ... also that violates my hippa rights cause you validating over the telephone never verify any information, then I get a letter with all the procedures, never did i once get a letter letting me know I had the right to dispute this bill I will enclose what they sent me they will not validate this bill
I modified this loan in XX/XX/XXXX with XXXX XXXX XXXX. I made four payments ( Phoned in Check # XXXX XX/XX/XXXX, Bank Check # XXXX XX/XX/XXXX, and Bank Check # XXXX XX/XX/XXXX, Personal check # XXXX ) to XXXX XXXX XXXX as per the modification agreement to XXXX, but XXXX XXXX XXXX sold the servicing before the modification of the loan. The loan was transferred to Nationstar Mortgage, now Mr. Cooper. Nationstar/Mr. Cooper failed to modify my loan when they received it. They claim to only have two  payments towards the modification. They did not credit me for the first payment ( phoned in check # XXXX ), and were using my second payment as my first, and my third payment as a second payment. The fourth payment was also not credit to me and it was not until they received my fifth payment that the modification was completed on XX/XX/XXXX. Unfortunately this left me 30 days behind, when I really was one month ahead. 

I have filed several complaints and they appear to have found my payments but have credited me less than the amount due. They claim I now have a credit of XXXX when I should have a total credit of XXXX. They have not been very clear on why I even have a credit. My suspicions are they have found my payments, but are deducting all the late charges that should be completely removed, since I have never been late with my payments since the modification. I provided ample proof of all my payments, and they have both XXXX XXXX XXXX XXXX payment history and their own. I 'm also puzzled why they claim to have completed a new modification on XX/XX/XXXX ... Why? I did n't need a modification, I needed them to apply my payments correctly ... ..Something they failed to do.
I have been forced into bankruptcy. I notified Republic Finance, with a letter and my attorney 's information. The XXXX Tennessee office is the one that has been calling me they are located on XXXX, TN XXXX. They have been calling me and sending me letters. The last phone call, they threatened me.
I believe I was discriminated against while applying for a loan through Chase bank and they either lost or destroyed the loan documents in the process. Chase has elected to end my " Private Client '' relationship closing accounts that have been in my family for three generations. 

Chase 's decision to close multiple checking, savings, money market accounts, investment accounts, a Roth IRA, a Traditional IRA and any account with my name on it, including my adult children 's accounts, resulted in placing a " restriction '' barring access to all the funds, XXXX XXXX, 2016, without notice to me. 

As of today, XXXX XXXX, 2016, 42 days after the accounts have been closed, I still do n't have the money that was in them. 

I desperately seek your help and guidance, as I am highly concerned that without advocacy I may not receive the money in my accounts and the contents of a safe deposit box that was also closed. ( Their purported reason for drilling the lock and removing the box from the premises is based on the fallacious claim that I owed money. This was untrue, as it had in fact, been comped for years. ) Inexplicably and unbeknownst to me, they had already drilled the box months before they terminated the relationship. 

Chase made a decision, which I did not think they could make without my " voluntary '' consent, to also close all investment accounts. This is suspicious because for many months I 've made numerous requests to correct errors they made when establishing the accounts and alerted them of incomplete transfers of securities into those accounts, which were intentionally ignored. 

I have contacted the Chase Executive Office asking for their record of documents and I have not received anything related to the closing of the accounts and the closing of the safe deposit box. They only say, " Chase has the right to end the relationship without cause or reason. '' Further, I have not received any of the funds from the closed accounts or been given access to the contents of the safe deposit box. 

It is shocking to me that institutionally a bank has the power to do such damage to individuals and can insulate themselves from recourse because as I have been told, until I " lawyer up '', they are n't going to pay attention to me. 

A retired bankruptcy attorney and friend told me about this agency created by XXXX XXXX and the incredible work that has been done. Upon hearing my story over the weekend, he suggested contacting you. 

Thank you very much for your attention to this and please contact me as soon as possible.
XXXX XXXX, is saying that it was a collections/charge off, but I pay in full
I did have an account with XXXX XXXX Credit card company on 2004 last time, I went in to hard financial times and I was not able to pay I believe was {$200.00}, now around 15 years later they are trying to collect {$1400.00}. According to a website ( https : XXXX ) they can not try to collect my debt after 4 years, in the last two years they have ceased ( frozen ) my bank account three times, by getting a judgment, so my question is ; do they have the right to do this after all this time? the case number is XXXX, and the issuing county is in XXXX XXXX CA. XXXX XXXX. thank you
RE : The Equifax Security Breach. I have been trying for well over a week to contact somebody ... ANYBODY at Equifax to help me place a " freeze '' on my credit reports to avoid fraudulent use of my credit. IT IS IMPOSSIBLE TO GET THROUGH TO THEIR WEBSITE OR ANYONE IN CUSTOMER SERVICE ... PERIOD. I understand that I have to pay for a credit report freeze ( even though the problem is their fault ), BUT IT SIMPLY CAN NOT BE DONE ... no way to contact any Equifax Personnel or use their website ( it is always " Unable to process request ''. Therefore, this company 's negligence and incompetence is PREVENTING ME from protecting myself! Please help if you can with a formal complaint on record from me. Thank you!
I overpaid my US Bank XXXX XXXX XXXX by {$0.00}. The credit sat there for about 3 months, then it disappeared under a " Small Balance Adjustment '' on XXXX XXXX, 2016. It is my XXXX cents, not the banks, and I called about it. The nice lady told me the {$0.00} had been added to my credit limit, which would have made it {$5000.00}, but that 's not what happened. My credit limit remains {$5000.00} ; my XXXX cents disappeared. I requested a call from a supervisor but did n't receive XXXX. While I realize it 's piddly, nonetheless, it is my money, not the bank 's, and if the bank is taking everyone 's small balance credits, then this seems to be quite a cash cow, if you will, for the bank. I read online about this happening to other consumers at other banks. What I did n't read was that there was a policy by the banks to absorb their customers ' small balances. I wonder if I inadvertently signed an agreement, with this disclosure in the tiny print. If I did, I did not mean to allow it. XXXX pennies saved are XXXX pennies earned -- and I want to earn them, not the bank. If it is banks ' policy to take their customers ' balances, that should be stopped. I can furnish the statements regarding my own XXXX cents ' worth. What else would you need from me?
The debt is for {$240.00} and GLA Collection Company , IncXXXX is the collection agency. 

XX/XX/2018 : Received initial bill from XXXX XXXX in XXXX, IN for {$240.00} in the mail XX/XX/2018 : Paid bill in full XX/XX/2018 : Received collection notice from third party debt collector ( GLA Collection Company ) This is an aggressive and unfair practice. The contact information for GLA Collection Company is : XXXX XXXX XXXX XXXX, KY XXXX XXXX
In the first part of XX/XX/XXXX this checking account with US Bank was overdrawn and closed out. A class action lawsuit was filed against US Bank for charging excessive overdraft fees and for the way in which they posted checks to the account. I was a part of this lawsuit. In mid XX/XX/XXXX, I received a letter from a collection agency stating that I owed around {$1800.00} on this debt and it needed to be paid. I stated to the collection agency that I was part of a class action lawsuit against their client, US Bank, and the lawsuit had not been settled yet. I agreed to pay a set amount of {$720.00} and then receive a Release of Liability letter from them, which would release me from any further obligation to this debt. I made the required payments and received the Release of Liability letter on XX/XX/XXXX. This debt is no longer valid because of that. Since XX/XX/XXXX, I have been repeatedly contacted by different collection agencies, usually 3-4 times a year about paying this debt. Each time I inform them of the ROL letter and provide a copy to them and then do not hear anything, assuming it is taken care of. Then usually about three months later another collection agency contacts me again. I have been threatened twice now to be taken to court and both times when I bring up the ROL letter, they say they are going to take care of the matter. This has been going on for almost four years now and I am tired of it. US Bank has clearly violated the Fair Debt Collection Practices Act on several occasions.
There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( TransUnion ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and XX/XX/XXXX and are proceeding to sale set forXX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. This file was service transferred to Fay Servicing onXX/XX/XXXX which we were not made aware of untilXX/XX/XXXX - Fay Servicing has not responded to any requests for information pertaining to this file. To date Fay is stating noting has been received fro authorization to be provided.
XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Account ending XXXX.. Company charged late fees and finance charges totaling {$92.00}. Did not receive statement in time. Once received statement, the account was paid in full immediately over the phone. Contacted company and informed them the balance is in dispute, but they continue to charge late fees and interest on top of preveously charged late fees and interest.
I requested that the credit bureau provide me a physical copy of the original documents according to the Fair Credit Reporting Act section 609 a ( 1 ) A. They provided nothing only stating that the accounts were verified. Under this act the credit bureau 's must comply with federal law or they are in violation.
in XX/XX/XXXX I purchased a XXXX XXXX of the year at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and it was financed by GM FINANCIAL, on XX/XX/XXXX the car was total lost as a result of a car accident, my insurance company ( XXXX ), the guarantee of the car and the company of the GAP paid the total amount of the car all this hard process star in XXXX of the XXXX until XXXX of the XXXX, in XX/XX/XXXX of the XXXX I received the bill of GM FINANCIAL where it shows me that my account is in XXXX  and is closed. Since the end of XX/XX/XXXX I am calling the company GM FINANCIAL because I review my credit report and it appears that I am owed the amount of {$4100.00} since XX/XX/XXXX to this company, I have called GM FINANCIAL two or three times a month since the end of XXXX asked the company to fix this problem, and every time I call they tell me that I have to wait, that the system does not work, that the program they have to close the accounts is not working etc ... I do not know what to do and my credit report score still low. I would appreciate the help you can give me to this matter. 

thank you.
We had a signature loan through Advance Financial and were made to switch it over to the new Flex loan product on XXXX/XXXX/15. We were never given a copy of our contract to look over. We were never told about the " customary fees '' they hide under the heading of " Interest charged ''. We were actually told the new product was like a credit card and was a much cheaper loan than what we had. That was a complete lie! With the signature loan, it is broken into 7 payments upon which time it is completely paid off. This includes a small, up front fee for taking out the loan. Very clear. The new flex loan has no specific payment outlined for you. We were first told our payments would be {$130.00}. This was true for the first payment. Every time we went into the local store after the first payment was made, there was never anything due on the account. No statement had been generated for 42 days! We paid on the account anyway, based on what we were told the amount should be. The very first statement we received was for the period from XXXX. The total interest charges that had accrued on the account were {$620.00}!! So, a {$1700.00} loan had now become over {$2300.00} in about a month and a half! Had the fee structure been explained properly, we never would have agreed to switch to the new loan. We were told several times that our account was past due although it was not. I had all of our receipts to prove it. I had to email the corporate office at XXXX on a Sunday night all of the proof I had. To this day, our statements are incorrect. It has now been 3 months that we have been dealing with one problem or another. Nobody can give us a straight answer. This company has gone into our bank account twice now and taken out money that was unauthorized when they were in the middle of straightening everything out. It has been a complete nightmare. When I asked about not receiving a copy of our contract, I was told by the store manager that they never give customers the contracts unless they specifically ask for them. Well, I asked repeatedly for a copy of ours. We finally received it by email on XXXX/XXXX/15 ... nearly 3 months after switching to the new loan. My statements were never correct. In fact, every time I called either the local store or corporate, everyone I spoke with was thoroughly confused as to what was going on with our account. I do not understand how this practice is legal. How are these companies allowed to get away with deceiving their customers into such high interest loans. These cause great financial hardship for most people. I have filed complaints with the BBB & Consumer Affairs. I would love to get an attorney on board, but I 'm not sure which type would handle this situation. Upon investigation, we are not the only ones having this issue with this company. There are pages of complaints for the same deceitful practices. Something needs to be done to stop it.
XXXX has reported a 2013 collection that doesn't belong to me and has not been validated
I missed several payments with them and it went to collections. However, I recently made the full " Due Now '' payment of {$450.00}. Now I am getting harassing phone calls several times every day from a man calling himself " XXXX XXXX '' making vague statements that he is somehow some kind of collections law enforcement agent and he'll make me and my family sorry we didn't make the full amount of the past due payment. I actually contacted them to try and make arrangements to continue the payments but never received a email or call back either, but I still get these calls. 

The email I received on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX The payment made on XX/XX/XXXX : XXXX XXXX XXXX
As an XXXX XXXX XXXX XXXX XXXX I opened a XXXX 's Luxury Gold Card in XX/XX/XXXX as it offered a waived {$990.00} annual fee with 0 % APR for purchases, cash advances, and balance transfers month other annual gifts. The annual fee was advertised to be waived under the XXXX for the duration I was on XXXX XXXX which I remain. After about a year of having card, they notified all service members that they are changing policy where the {$990.00} annual fee will only be waived if you received the card prior to coming on XXXX XXXX. Now, service members are stuck with a card that they either have to close or pay an annual fee which was not what was originally agreed upon. Many feel this was a bait and switch. I'm very appreciative of the initial incentives and bonuses, but this does not sit well with me or many other service members. Barclays should have known better.
I received a writ of garnishment from the payroll department of the job I have only been at for a month, The Collection Agency is Wakefield and Associates In the Writ of Garnishment is my full Social Security number and my entire date of Birth, the Creditor is XXXX XXXX, asking for {$1600.00}. I had XXXX XXXX as my Medical Insurance Company in XXXX but all premiums were taken out of my check and I never owed them any premiums. My Daughter had XXXX in XXXX when she was XXXX but what the insurance company did n't pay I paid. There is nothing owed to XXXX XXXX., a copy of the original court document says XXXX XXXX XXXX in XXXX XXXX Court but I have never been served any court papers by XXXX XXXX or Wakefield and Associates. I have absolutely no idea what this is for .Wakefield and Associates have never communicated with me either by phone or mail to allow me to respond to this, and dispute it they have just filed a garnishment on XXXX XXXX, XXXX. This needs to be immediately stopped