WillisBack/dataset-financial-user-claim huggingface dataset:
Im trying to access my account through an ach program to pay for my training but Capital One has set up a block I guess as added protection, but its counterproductive because this application does that for me too so that my payment is secure. I just want in the future this not to happen.
Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX  is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with XXXX
XXXX XXXX lists numerous late payments when, in fact, I directed them years ago to automatically take the money out of my checking account. Their failure to do so has resulted in derogatory information being reflected as aforestated.
In early XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) has initiated collections against me for {$710.00}. The {$710.00} is made up of two separate charges : {$250.00} for XX/XX/XXXX dues, and {$420.00} in credit card rewards. 

I discontinued my family 's membership with XXXX on XX/XX/XXXX, the same day that the team 's coach was fired by the XXXX. I held the position of XXXX of the XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. Upon resigning as XXXX, I turned over all club records, assets, passwords, everything to President XXXX XXXX. When our membership ceased on XX/XX/XXXX, the club terminated my access to XXXX, the on-line account for billing, etc. on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX posted a charge of {$250.00} to my account on XXXX XXXX for XX/XX/XXXX dues. Since my account was closed on XX/XX/XXXX, I had no knowledge of this charge until I received their collection letter. XXXX 's claim is that since our notice came after the XXXX of the month, dues would be charged according to contract. My dispute is that we resigned because the XXXX fired the coach and drastically altered the program, leaving my family no choice but to find another team. At the same time as the coach was fired, the XXXX cut back practice times, competition opportunities, and most importantly quality of instruction ( they hired college students as fill-ins for the head coach ). In general, the program they outlined was a skeleton of what the head coach had created. 

I further dispute this charge because of past practice/precedent. For XX/XX/XXXX-XX/XX/XXXX, dues billing was my responsibility as XXXX. No member was charged another month 's dues even if they left after the XXXX ... I was the determinant of that charge. It was not applied in the past. 

The second charge, {$420.00}, is the value of the rewards points that I accrued on my personal credit card while XXXX  of XXXX. The XXXX moved that XXXX is entitled to the rewards earned through purchases for the club. In XX/XX/XXXX, members of the XXXX voted on how to spend these rewards. As I stated in XX/XX/XXXX before the XXXX vited, I maintain that the rewards are my personal property, earned on my personal credit card, and no entity has the power to determine how the rewards are used. 

Further, I take issue with the practices of XXXX XXXX, an employee of Kinum Inc, the collections agency hired by XXXX. On XX/XX/XXXX, he mailed me a copy of XXXX 's responses to my dispute letter. The copy he provided me was impossible to read, which he so admitted in my call to him on XX/XX/XXXX. I requested a more legible copy, as I have a visual impairment that requires me to use magnification technology to read documents. He refused to provide a clearer copy, and stated that I should get someone to read it to me. 

Also, each correspondence that I receive from Kinum shows a different amount due. The original amount claimed by XXXX is {$710.00}, XX/XX/XXXX shows {$710.00}, XX/XX/XXXX shows {$710.00}, XX/XX/XXXX shows {$720.00}. I have no intent to pay any amount, but I do question the inconsistency.
Debt collection agency named Blackrock Mitigation Group LLC. They have been calling me for the p ast two wee ks, at least 4 times a day, as an unknown caller. Never leaving a voicemail. Finally his " unknown caller '' left a voicemail and said her name was  XXXX . Never said what company she was with or what this matter was regarding. She stated that she had documents for me to sign, and that she has set up a meeting with my HR department. She asked I call her back at  XXXX   XXXX   XXXX   XXXX  before the end of the day. I did not get around to calling  XXXX  back, and so today she calls stating that she has in fact a meeting with "  XXXX   XXXX  '' with my companies HR and she will be discussing my wages and that she has every right to garnish them. Also, since she had no record of me calling her back, that she will take that as a refusal to pay, and therefore action will be taken. I did call this number back after I received this voicemail, and spoke to a  XXXX . I asked  XXXX  what this was regarding, and she stated a payday loan taken out that had not been repaid and that the payday company   XXXX   XXXX   XXXX   was filing a civil lawsuit against me for theft by deception, and a few other legalities she threw out. She stated that my previous bank had denied   XXXX     XXXX   XXXX  's payment withdrawals at my request. ( Which is not true ). She stated that the " courier '' was already out of the office with my papers I was to be served and that this again, was a refusal to pay. She noted calls from   XXXX   XXXX   XXXX   to myself, stating that I told them I would not be paying them back ( also not true ). She then threatened me with seizing my car ( which she knew the make and model ) and also threatened to seize my wages. Also, that I could be arrested at any time. I asked for all documentation to be emailed to me and that I would get back to her on this matter. Lastly, she requested a payment of approx {$1200.00} to have this matter resolved.
I was told at the first of XXXX of 2015 That Green tree Servicing now Di-Tech Financial that because I had to stop payment on a Cashiers Check that Green tree lost that they would refund me my money back on doing so that I could get them another cashiers check out to them. I have sent several documents and proof of the amount paid and they the bank statements that they wanted. I have been told my refund would be returned to me in 30 days and here we are 90 plus days over and they still wont pay my refund. I want my refund back and I do n't want them to contact me anymore about my home. I have had enough of their lies and this is not the first time I have had to report them going back on their word.I just reported them a couple of months ago for not doing a repayment plan with us when they said they would. I have called several time asking where my refund is and I was told it is in the mail which it was n't. I would just like for Green tree to just once promise to do what they tell people.
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS AND TAX LIEN APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
A greater payment rate was demanded due to too frequent payment in a billing cycle resulting in misallocation to principal instead of allocation to both interest and principal ( despite precedence ). See dates, amounts, and actions attached.
On today, Friday, XX/XX/2017. I went into the 5/3 bank to open myself a bank account. I bought in my two paychecks. At first I was told by the representative that I could not cash the checks because the signature from the XXXX, my boss, looked different. So, I called the XXXX. Then, I was told by your representative that because I called from my cellular phone it could not be used as a verification. So, I had them talk directly to the XXXX from the bank phone. 
I was simply just trying to open a basic account. I am now working a very good job. I need a bank account. My son XXXX need direct deposit. I need a bank account. I am thinking, wow, finally my life is coming together. But, then, not only did your mean, disrespectful, harassing, and bullying representative hold one of MY checks and refuse to return it, but said that I would be opening two accounts that would incur ME fees. And, when I refused and said I simply wanted a basic account, I was told that it was too late because the paper work was already done and I was n't getting my check back. I could have ranted and raved, but in public, that would have been distasteful, and I was n't going to take a chance on being escorted out by security. This person had both MY checks. I decided to contact 5/3 corporate, because I want this matter solved. I have decided that I want to change banks. After this incident, I do n't think 5/3 is for me. I would like all my money back. Also, if there is a problem handling this matter then my Attorney will contact you. I am outraged. I am really outraged, but I am also trying to hold my disposition. Let 's try to resolve this matter as quietly and as quickly as possible. Please contact me at the email or number noted above. Also, as far as the representative is concerned I am hoping that some sort of discipline would suffice. I refuse to allow my sons XXXX to be handled by your bank. He would probably never receive his XXXX waiting on the HIS funds to be released.
Paid off the debt because it was affecting my credit score.  But the company has refuse to remove the collection debt from my credit score. I have called them several times but they refuse to remove it from collection even tho I already paid them. The company is transworld systems inc. I paid the debt collection so my credit score would improve. But they refuse to remove the collection. And it's still affecting me allot.
I was a victim of internet fraud. I ordered a vehicle and the sale/payment was to be handled through XXXX. This turned out to be a phony company posing as XXXX with their logo and everything. They had me do a cash transfer through MoneyGram to an " XXXX agent '' who would hold the money in escrow while the vehicle was delivered from another state. I had 5 days to review the vehicle and then if not satisfied could return it. 

I have subsequently contacted XXXX, MoneyGram and the local authorities and all have told me that it was a scam and that XXXX and MoneyGram are not responsible. I accept that but thought I would try to let others know of the scam and register the complaint.
XXXX, has Fail to validate at my request on XX/XX/XXXX there is no date of last payment, the last payment made was XX/XX/XXXX
On XX/XX/XXXX, I refinanced my home with Flagstar Bank to payoff a {$220000.00} and a {$340000.00} mortgages to create 1 first  mortgage for {$580000.00} as stated on HUD1. 
Instead Flagstar Bank gave me a {$580000.00} mortgage on XX/XX/XXXX and never paid the {$220000.00} note they had outstanding on my home. All along I told them something was wrong but didn't know what since I could never refinance my home. 
Through a series of transactions Flagstar Bank was a ware of the defect yet never corrected it for over 10 years and through a series of assignments and transfers tried to disguise this egregious fraud, Finally XXXX XXXX trust / XXXX have toggled the mortgage on my home back and forth for the past several years in an attempt to defraud myself even further and now have filed foreclosure against my home without ever addressing this issue with myself. Flagstar attempted to close account because XXXX of these defects several years ago only to mask it through XXXX XXXX XXXX / XXXX NMLS # XXXX 
Attached is evidence and foreclosure complaint as well as response.
I mailed the first letter to Experian on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from me
This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.
I have been attempting to correct reported information on my credit reports for a collection with expired SOL and never validated. XXXX and XXXX have corrected their records and removed the collection account. Experian however sent a letter indicating they would not re-investigate because it was previously investigated in the past.
Today, XX/XX/XXXX, I successfully used my XXXXXXXX XXXX XXXX credit card at XXXX XXXX XXXX for a small purchase of {$8.00} at XXXXXXXX XXXX At XXXXXXXX XXXX my XXXX XXXX XXXX XXXX was refused when I attempted another small purchase of {$19.00} at Walmart . Upon arrival at home I contacted the issuer, XXXX XXXX, at XXXX and was told we were part of a large group that were being issued new cards and that the current cards were therefore deactivated. Our current, jointly held XXXXXXXX XXXX XXXXXXXX credit cards exhibit " valid thru '' dates of XX/XX/XXXX. I was told that Synchrony had sent us an explanatory letter but we have received no such letter. They do have our correct address, a XXXX. XXXX, on record. We also just paid a bill to them and received no such notice on our bill. In this case, this matter is a mere inconvenience. However, we have other cards upon which we rely to pay monthly expenses such as utilities, and car payments. Had a card bounced in such a case our credit rating would be affected. We informed the poor Synchony rep that this was a very unacceptable way to run their operation and their poor practice could have negatively impacted us.
Have submitted a notarized fraud report and copy of police report indicating that my identity was used to open an account and obtain services ( over and extended period of time and was recently discovered ) Credit card company- Chase is reporting and insists their information is correct that it is my account and is reporting as a bad debt charge off.
My name is XXXX XXXX and I have been working on an issue with Experian. They had an account for XXXX XXXX that I disputed some information on. They indicated the account was verified so I decided to go straight to XXXX and ask for additional information so I sent a certified letter using the address that Experian provided and it came back as Return to Sender Attempted- No Known unable to forward. I am confused show did they not have the correct information if they researched it? I have been fighting this for sometime now and would really like this resolved
I, XXXX XXXX, wrote a XXXX XXXX dollars check to my relative, XXXX XXXX XXXX on XX/XX/XXXX. She successfully mobile deposited the check on XX/XX/XXXX with her XXXX XXXX XXXX checking account. However, it seems like her check was lost or stolen and someone else deposited the check again in XX/XX/XXXX. HSBC denied to provide any helpful information regarding the deposit on XX/XX/XXXX. Instead, they simply request credit from my relatives bank  account and credit my account. Clearly, my relative was not at fault. HSBC shouldnt allow a forged check to be processed. HSBC should honor the deposit on last XXXX and go after the one on last XXXX and return the fund to my relatives account immediately. Thanks.
I have an adjustable rate 1st mortgage with Nationstar ( AKA Mr. Cooper ). My rate is based on LIBOR plus 2.5 % margin. This can change once per year. The terms of my mortgage require the lender to give advanced written notice by delivery or 1st class mail of any any change in payment, which they failed to do. The lender raised my payment for XX/XX/2019 with no advance notice, in violation of the mortgage terms. I wrote several times to get resolved. they claimed they emailed me, which they did not, and provided no evidence of any kind of notice of a change in payment amount. Now they are delaying getting back to me saying they need to do more research. I would like this resolved as soon as possible.
I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
( Note : not sure if this is correct section to send this to -- as it involves both a credit card company and credit reporting services -- - but if not please either forward or let me know so i can redirect. Thanks. ) I discovered that Citigroup, specifically Citicards credit card/ Diamond Preferred card ( acct ending in XXXX ) WITHOUT AUTHORIZATION OR NOTIFICATION, starting in XXXX, 2018, switched my billing to " e-billing '' and additionally were using an old email address that has not been in use for some 10 years. Without authorization, they ceased sending paper bills ( which they had been sending since the account was opened many years ago ).

I discovered this when I received TWO outside credit monitoring reports showing that Citi had reported my account as delinquent to XXXX, XXXX and to XXXX, resulting in damage to my credit rating.

They also charged me two months worth of late fees XXXX $ XXXXmo ) which they have reversed. 
On TWO separate phone calls when i demanded to speak to someone who would notify the credit reporting companies of their unauthorized action and provide me with copies of the communication sent by them, they disconnected the call. 
I therefore demand that Citi communicate immediately with all three credit reporting companies, see that the negative information is rescinded and provide me with proof thereof. 
The unauthorized nature of their action that caused the problem is self-evident. Not only were they NEVER authorized to switch to e-billing but it is patently absurd that I would ever have provided them with an old, unmonitored email address. 
Thank you for your attention to this matter.
I received a second call today from a XXXX, claiming to work for Absolute Collections, a debt collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( information I got from their website ), and claiming to represent XXXX, a pay day-type lender located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( also website ). 
XXXX called on my cell personal cell, looking to collect on a loan supposedly made by XXXX to my wife, the repayment of which, after several delinquency charges, totaled several thousand dollars. My wife has never borrowed cash money ( other than as co-signer on our home mortgages ), and has never heard of XXXX. 
Neither my wife or I have ever received any money from XXXX, nor any written correspondence from XXXX or Absolute Collections. I dispute any claims they make.
Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XX/XX/XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today  XX/XX/XXXX and there is a collection opened XX/XX/XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XX/XX/XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.
I purchased 3 mattresses with XXXX XXXX in XXXX Texas for {$1200.00} on XX/XX/XXXX. I just finished making last payment of {$100.00}. When I finished paying XXXX XXXX, the total amount ended up being {$2500.00} ( which is totally outrageous ). Never received any emails or calls from the until today. I got a phone call onXX/XX/XXXX and then a email followed shortly, stating that my account was past due and they had attempted to contact me several times. In the email, it also stated that if a payment was returned the fee would be XXXX and I will definitely admit to my account was overdrawn from XXXX. But logging on to to the website and speaking with two different Reps with Acima they started I was being charged XXXX since my payment was returned and that since my payment was due on XX/XX/XXXXXXXX. I was being charged XXXX and that I had 4 days to pay that amount before my credit would be affected. I do n't think it 's fair that they are able to overcharge me for the returned payment which I planned on taking care if but the extra fees on top of I paid XXXX extra ... .please help me.
I cancelled internet with XXXX XXXX XXXX. I informed the company that the modem they provided was broken and I purchased my own modem vs. getting another one from them. The company stated I didn't need to return the modem. Then a few weeks later I get a bill for their modem. I contacted XXXX XXXX XXXX and the representative stated they needed it back. XXXX XXXX XXXX provided me with a XXXX label to return the equipment, which I did sometime between XX/XX/XXXX - XX/XX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they wanted {$170.00} for the unreturned equipment. Called XXXX XXXX XXXX on XX/XX/XXXX and advised the equipment was returned. XXXX XXXX XXXX ( XXXX - Emp ID # XXXX ) stated the account would be credited within 24 hours. The next letter I received was from a credit collections company. I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX, emp ID # XXXX, and provided the reference number on the customer copy of the XXXX slip they provided. I received a call from the collections company on XX/XX/XXXX & XX/XX/XXXX stating XXXX XXXX XXXX says we still owe for unreturned equipment. I contacted XXXX on XX/XX/XXXX to get the tracking number, however they said only XXXX XXXX XXXX has the tracking number since they provided the Air Bill label for shipping. I cancelled my service with XXXX XXXX XXXX after 4 months of phone calls and constant follow ups to get {$300.00} credited to my account that they owed. After the credit finally went through and I used up the credit, I cancelled because of the bad service and the number of hours spent on the phone with them. This is the same kind of situation. They promise one thing and don't do it. I've spent multiple hours on the phone with them and I'm simply exhausted. Any help would be appreciated.
HSBC Bank USA XXXX XXXX has a lien against a property my client wishes to sell and is under contract. However, they have not responded at all to our attempts to get a pay-off or release. SEE ATTACHED LETTER for details. It has been over 60 days and they still have not responded at all.
been a victim of identity theft 4 times and want to monitor my credit report ca n't monitor my credit report with Equifax. there is an error or problem on my credit report they ca n't fix it some technical issue they said they wo n't be able to monitor my credit report and they wo n't fix it. they have had numerous technical tickets sent up. but not able to fix. so anyone can get into my Equifax credit report. how many other people will they deny