WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir/Madam, I 'm very frustrated with Investors bank. I have had a relationship with them for 10 years and they chose to close my checking account after 2 months of no activity. 

I have consistently used that account the last 10 years, to make periodic deposits and to make occasional principal reductions to my mortgage. On XXXX XXXX I made a transfer which processed, and then one in XXXX and XXXX, which were both returned since the account was apparently closed. When I called the bank I spoke to XXXX, and she said the bank should have called or emailed me a notification about the closure, and she would look into it. She called me the following day and advised that they can close the account at their discretion, and never provided me an explanation. I asked to speak to a supervisor, and I spoke to XXXX. She promised to look into it. It has been 3 weeks and I have not heard back. I called and left a message for her on the XXXX. 

My mortgage is paid promptly, and it would be nice to understand why my account was closed without notifying me. The only reason I can see is that their new accounts charge fees, and they want to migrate their clients to those more profitable fee based accounts. 

Does n't feel like IB really wants my business. 

Thanks so much for your assistance. 

Kind regards, XXXX
Individual from this company has contacted someone I know looking for me and has called their phone number multiple times a day for several weeks. In doing so, said individual from this company has shared my information without my permission and they also provided information regarding said debt to this third party.
I returned a XXXX XXXX XXXX and XXXX XXXX to the best buy in XXXX pa to the store XXXX. It went to a closed account that was stolen, that 's why it was closed. When I received my statement it came through as a general purchase. It was then minuses off, and turned into a promotional purchase. THIS WAS TO BE A REFUND FOR {$720.00}, THE TOTAL AMOUNT OF THE RETURN. THEY PUT IT THROUGH AS A PURCHASE. THEY THREATENED ME TO KEEP PAYING FOR THE ITEM EACH MONTH OR THEY WOULD RUIN MY CREDIT. SO I HAVE CALLED COUNTLESS TIMES. I SPOKE WITH XXXX XXXX AT BEST BUY CORPORATE WHO SAID HE WOULD HELP ME, BUT THEN HE SAID IT DOES N'T CONCERN HIM IT IS CITIBANK THAT I NEED TO DEAL WITH. I HAVE BEEN CALLING ALMOST DAILY SINCE THIS HAS HAPPENED, BUT NO ONE WILL HELP ME. I FILED A POLICE REPORT AT BOTH THE XXXX POLICE DEPARTMENT AND THE XXXX XXXX POLICE DEPARTMENT. AT BOTH STATIONS THE OFFICERS WERE ABLE TO SEE THE ISSUE, AND I WAS TOLD I WAS RIGHT. XXXX XXXX EXECUTIVE RESPONSE UNIT XXXX WAS THE PERSON XXXX XXXX TOLD ME I NEEDED TO TALK TO. WHICH I DID. I FAXED AND MAILED MY PROOF INTO CITIBANK SEVERAL TIMES, BUT HIS RESPONSE IN A LETTER WAS HE WAS DONE WITH THE ISSUE AND I SHOULD KEEP PAYING. HE SENT IN HIS LETTER TO ME WRONG ACCOUNT NUMBERS AND BECAUSE HE SAW A MINUS ON MY STATEMENT HE FEELS I GOT MY MONEYBACK. BUT I HAVE XXXX CREDIT CARD ACCOUNTS WITH BEST BUY CITIBANK. HE COULD N'T EVEN GET THAT RIGHT. THE STATEMENT CLEARLY SHOWS THEY CHARGED ME IN THE PURCHASES COLUMN {$720.00} FOR A PURCHASE, AND THIS WAS CLEARLY A RETURN. I DO N'T FEEL I SHOULD CONTINUE TO PAY FOR ITEMS THAT I DO NOT HAVE. THEY WO N'T CREDIT ME FOR MY BALANCE THEY SAY I STILL OWE OF {$330.00} FOR MY RETURN SINCE THEY MADE ME PAY MONTHLY {$380.00} FOR ITEMS THAT WERE RETURNED TO THE XXXX XXXX AT THE XXXX BEST BUY ON XXXX XXXX, XXXX. I 'M PAYING FOR NOTHING BECAUSE BEST BUY HAS THE XXXX XXXX XXXX AND XXXX AND MY MONEY, AND THREATENS TO REPORT ME TO THE CREDIT AGENCIES IF I DO NOT CONTINUE PAYING ON IT. NO ONE WILL HELP ME!!!!
A dentist charged us for XXXX weeks prior to the operation by completing a CareCredit application. The office manager explained that we qualified for a promotion however when we received the bill from Care Credit there was no indication that we qualified for any promotion and they had already charged us % XXXX interest on the {$4000.00} charge. Additionally, I have found that we were charged, not only ahead of time, but for procedures that were not necessary and that were never performed. The dentist refuses to accept correspondence on this issue.
I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : [ [ XXXX ] ] Account Number : [ [ Account # XXXX ] ] Account Rating : 90 Days Late Reason : [, I was never late, ] Also, if you have documents to prove your claim, mention here that you are attaching them. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX SSN- XXXX XXXX
In XXXX XXXX a vehicle that I received a loan for from Foreman Financial was impounded. After realizing I was unable to get the vehicle back, I began trying to work with Foreman. I took the loan out in XXXX XXXX, and made a payment on the vehicle every month and was not in default at the time of the impound. Foreman later sent the vehicle to collections. The collection agency was requesting XXXX, but I had made all the payments, and the loan was only due for one year of payments. I sent a formal letter requesting a payment history and the supporting loan documents, but instead it was charged off and placed on my credit. I feel it was unfair as I was willing to payoff of the loan to prevent the credit impacts. I want this off my credit and my mothers ( XXXX XXXX ) and I want the chance to pay the remaining payments, as I was told they were going to allow me to do.
I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but Equifax and XXXX is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Experian, XXXX and XXXX have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my Experian, XXXX and XXXX credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the Navient account collection has been dismissed due to lack of proof of ownership.
On XX/XX/XXXX we filed a dispute with Navy Federal Credit Union for {$990.00} ( XXXX XXXX ).

We received a communication from NFCU dated XX/XX/XXXX acknowledging our dispute, requesting information by XX/XX/XXXX. However, we submitted our response as required on XX/XX/XXXX via fax and e-messaging thru their online banking system. 

We received a provisional credit of {$990.00}. 

On XX/XX/XXXX we received this response from NFCU : Navy Federal XXXX XX/XX/XXXX : In response to your billing inquiry, we have reversed the transaction for $ XXXX and sent the charge back to the merchant 's bank. A credit will appear as an " Account Adjustment '' on your next billing statement. If we receive documentation from the merchant in response to our reversal, it will be forwarded to you for your review. The circumstances of the dispute and the strength of your documentation will determine whether the credit will remain permanently on your account. If you have any questions, contact us at XXXX, extension XXXX. 

Thank you, XXXX XXXX Credit Card Chargeback and Resolution Specialist ______________ We have not been contact by NFCU via USPS nor e-Messaging re : this dispute. 

However, on XX/XX/XXXX, we viewed in our account that NFCU had in-fact reversed this {$990.00} to the merchant. 

When in fact ; the Merchant policy is : SATISFACTION GUARANTEED 100 % OR YOUR MONEY BACK - NO QUESTIONS ASKED - 100 % RISK FREE. 

We provided proof of such 100 % money back guarantee from the merchants website. We provided : http : //www.ProfitandPassions.clickfunnels.com. 

WE HAVE RECEIVED NO COMMUNICATION FROM NFCU SINCE XX/XX/XXXX RE : THIS DISPUTE. It is obvious, they did not take the time to investigate this verbiage on the merchant 's website and found our response not valid.

NFCU has failed us as their longterm customer.

When contacting NFCU to resolve this issue.. .it is not discussed and they refuse to assist us any further. 

In speaking with an executive at XXXX, in which, they instructed us to return to NFCU and file a 2nd dispute on XX/XX/XXXX. 

At this time, NFCU rejected this dispute. 

When have filed another dispute on XX/XX/XXXX based upon the time limit given by XXXX. 

NFCU has interfered and denied us the rights to file ; knowing that there is a time limit for 2nd disputes. 

Furthermore, they did not process the 1 dispute properly. 

We have tried for 4 days to communicate to XXXX XXXX and 10 other executives at NFCU - no response. 

There is no additional agreements or proof beyond the merchant 's own website copy offer such Risk Free purchase. 

Upon attending this event - it was recognized as a FRAUD.
Due to severe financial difficulties, I was in a loan modification process with Green Tree for 9 months ( XX/XX/XXXX - XX/XX/XXXX ) after completing numerous " Uniform Borrower Assistance Forms '' and was continuously rejected. The reason was always that documents were missing, which was not true and I have the documents to prove it. I should have qualified for a loan modification based on my income and financial circumstances. On XXXX XXXX, XXXX, after I received another rejection from Green Tree for a loan modification, I called Green Tree for a reinstatement amount since I was worried about loosing my home. I forwarded a cashier 's check in the amount quoted by Green Tree over the phone on XXXX XXXX, XXXX ( only 19 days after receiving the written rejection for a loan modification ) and have since then paid my " Regular Monthly Payment '' in accordance with Green Tree 's monthly billing statement. Despite these facts, Green Tree filed for foreclosure proceedings on XXXX XXXX, XXXX ( please note that the date is after the reinstatement amount was paid in full ) and added all kind of legal fees to my account without any kind of written statement, letter nor invoice. The mortgage document requires all notices to be in writing, which Green Tree did not do. I have even been accepted by XXXX XXXX XXXX XXXX on a pro bono basis since these actions by Green Tree are not legal, however, they are refusing to remove the charges from my account and are now threatening foreclosure again. I have an entire folder of correspondences between Green Tree and myself over this entire period and we seem to be going in circles at this time. It is very frustrating since Green Tree is a debt collector and not a mortgage company and it seems impossible to deal with them in a professional manner.
After defaulting on a home improvement loan from WellsFargo ( WF ), I entered into debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was arranged to deduct $ XXXX/month from my checking to pay the XXXX {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, XXXX, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called XXXX in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with WF and would resolve the issue. At this time, I was still getting " bills '' from WF, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to WF. 
Come XX/XX/XXXX I still had not had the issue resolved XXXX. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XX/XX/XXXX. 
Come XXXX XXXX, no resolution. At this point, WF sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted WF directly to ask what was happening. WF claimed they were in contact XXXX, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. WF also claimed they sent the money back XXXX. I emailed and called XXXX with this information and got this in return from XXXX XXXX - " I was able to talk to Wells Fargo Bank this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at Wells Fargo Bank that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with WF, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution.
CONTRACT CALLERS INC # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well XXXX 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX City residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to New York City Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX City and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
I have six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from capital one saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. Thank you.
There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.
I have contacted TransUnion several times over the course of 6 to 9 months, via phone, online and mail to have 5 erroneous accounts ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) removed from my credit report. I have disputed this information with Transunion as well as XXXX. The other credit reporting agencies removed these unverified accounts and Transunion has not. I have also requested TransUnion to supply written proof of these so call Debt/Collection records and they have not provided the information requested. Since they refuse to verify these unverified accounts its unfair to me to have these accounts on my report. A Debt should be validated from the source reporting the debt! The other credit bureau has removed these debts because they could not be verified these allege account. Its against my right under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Hello, This company ran hard inquiries on my Transunion credit report without my consent. I applied for a payday loan, which is not a line of credit and should not have required such a credit inquiry. I contacted the company requesting these inquires be removed, however they have ignored my request.
I have been contacted XXXX by Portfolio Recovery in within one month in XX/XX/XXXX concerning a debt they allege I owe to XXXX XXXX. Since I am a current XXXX XXXX Card hold I requested the address so that I may write Portfolio Recovery to request the verification of debt in writing. 
The XXXX person who called me gave me an address. I asked her how I should reference the account so that I would receive the correct information. She told me to reference XXXX XXXX in the letter. I mailed the letter, certified return receipt and was not provided a response. 
Another associate contacted me at XXXX on XX/XX/XXXX stating that she was attempting to collect a debt on behalf of XXXX XXXX. I explained to her that the previous associate was not very helpful and that I still had not received a verification of debt. She stated that a letter was sent to me in XX/XX/XXXX. I asked if it was sent to XXXX XXXX, NV, where I currently live. She stated yes. I explained I had not received the notice and I was questioning the validity of the debt. She argued that I did receive it. I asked repeatedly for her to resend the letter, and mail it requiring a signature so that there would be no misunderstanding about whether or not I received the letter. 
The young lady raised her voice and attempted to steer the conversation back to how I planned to pay the debt off. I was not going to discuss an account that I was unsure I owed, and I also needed to verify the statute of limitations of the collection, but explained to her that I would not do so telephonically, but with a written letter from Portfolio Recovery. The associate never gave me opportunity, reference number, or address where I could address my concerns, but continued to raise her voice. I terminated the call because I did not feel that it was productive and we were talking in circles.