WillisBack/dataset-financial-user-claim huggingface dataset:
I sent Account Services Collections an letter on XX/XX/2017 about several ( 5 ) medical debts from the same collector that showed up on my credit report. On that letter I requested that they validate the alleged medical debts due to me being unaware of any outstanding medical bills that my medical insurance covered. In that I also asked that they provide the breakdown of fees including any collection costs and medical charges. I also asked that they please show me a copy of signature of mine with the provider of services to release my medical information as proof. In that letter they said that I was was informed in which I never received such letter. After receiving this letter I mailed directly to XXXX, XXXX XXXX, XXXX and provided them with a copy of my Id and Social. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. As I stated prior I have sent the information with my id to them on more than one time.
I noticed a collection from Hunter Warfield on my credit report. I sent them a validation letter. They responded with a letter stating, at this time they do not have enough information to validate the debt and therefore ceasing all collection activity AND reporting. It was then removed from XXXX and XXXX XXXX but XXXX has not removed it and I believe Hunter Warfield has not notified them of this which I believe is a violation. XXXX is stating they verified the account even though I sent the letter from Hunter Warfield to them. Unless Hunter Warfield request it be removed then I do not think XXXX will remove. I believe both companies XXXX and Hunter Warfield are now in violation of the FDCPA and Texas Finance laws regarding reporting and XXXX party debt XXXX. This should have been removed 30 days ago and I am now having to take time out of my work schedule to file complaints. This should have been done along time ago. It is hindering my ability to purchase a home for my family and starting to cause a real problem.
I have been trying to get SPS SERVICING INC to lower the mortgage payment on my home and they refuse to grant me a modification, I send the all the information that is required for the modifiction.? I ask them why they told me the first time I submitted all the information that my I come was to high for the modifiction? Then I was told by thier office just use my icome and my daughter income? Then they said me and her still did not qualify for the modifiction because our income was to low? I also ask them, why and what about the harp program they said we did not qualify for that? i is that not the program that is to help people like me and my daughter to save our home? I was told that was unfair tactics that was using not to help me save my home? I do n't know a lot about the housing market and how it is supposed to work please help me. Just wanted them to lower my payment, my husband is decease and yes he was a veteran. Please help me and my family to keep our home.
I paid XXXX directly and by law, they must recall the account from Convergent, which Convergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Credit Card was always paid on time. I send a letter complaining about incorrect information reported to the credit agencies and they send me a letter back telling me that my account is now current. I do n't have an account with Home Depot and my account was always current.
The Employer of XXXX XXXX pays all Creditor monthly payments as part of the employee agreement for salary ; disclosed to Porsche Financial as the income received to comply with the financial commitment for payment. In XXXX the office clerks paid two monthly payments from the wrong checking account and both payments were paid to the Creditor when the Bank advised that each payment was not funded to be paid. 
After the XXXX incidents the office clerks could no longer make a payment on the website, or by phone to the Creditor. The office clerks offered to send 5 monthly payments total of {$10000.00} ( pay in advance to XXXX XXXX ) by a Money Order or Cashiers Check by Overnight Mail and the Creditor refused to accept any payment on XXXX XXXX. Since every month that the office has tried to make payments all attempts have been refused and the Creditor wants the car back. I have the money to pay and I do n't want to damage my Credit by not honoring a financial commitment, I have not lost my job nor have I had a family tragedy preventing me from paying. Now the creditor does not want me to pay the amount due til the Lease Contract that ends XXXX XXXX, they want me to pay the total value of the car {$130000.00} plus about {$6000.00} for Attorney 's fees when I wanted and offered to pay they did n't need an Attorney who has claimed that I wanted to sell the car to an innocent person, the car was abused. I had to take the car to the Dealership and it was inspected and recognized that it was kept in a garage, clean, under the annual mileage of XXXX miles. The car has XXXX miles to date. 
The car is an investment for me I planned to purchase the car at the end of the Lease it is a Limited Edition of Porsche, it is a Targa XXXX. This is a rare model, I drive occasionally only. Please help me I want to pay all monthly payments that I owe to have my account current and they will not accept my monthly payments. monthly payments to pay to bring account to current status is from XXXX XXXX to XXXX XXXX is {$18000.00}. 
Please help me with the car and my credit. 
Thank you- XXXX
I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/XXXX according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/XXXX that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XX/XX/XXXX I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.
This is property is located in a disaster-impacted area : XXXX XXXX, Texas XXXX ( Hurrican Harvey ) please revise modification to reflect see complaint XXXX loan # XXXX
I am currently a XXXX year old XXXX student at XXXX University. I have my XXXX, and have been working in my field, while trying to obtain a full-time position. I work full-time hours, but only bring in about {$1400.00} a month. Unfortunately, I took out private loans with NJClass at the very young, uneducated ( in terms of loans ), and naive age of XXXX, without realizing the situation I would eventually be in. NJClass is asking me to pay {$1600.00} a month, which is impossible for me. I have called XXXX of times to try and work out some sort of payment plan, but they refuse to work with me. My parents are cosigners, but my dad was laid off last year, and they are already struggling to make ends meet without my loans being a factor. I am not asking for my loans to be forgiven. I am not asking to pay very little. All I 'm asking is for NJClass to lower my monthly repayment to a price that is livable for me until I get a full-time job.
I called Transworld Systems Inc and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!
Requested Experian to remove my credit freeze and to date they have not. Created an account on their website and it shows that their is no credit freeze. Applied for a credit card but was denied because they could not access my credit file on Experian.
Capital one creditcard I have this credit card for more tha a year they used to charge a late fee every month in my bank took the money on time out of my bank and they report it late so they can charge for a late fee I call them about but last time they claimed they did resive it in my bank was allready taken out 10 day before but istill claimed they did have it so I closed this account they said I was responsable for the balance money I told them I agree but no for their stolen late fees they claimed I owe them the are stealing is a crime but the are stealing with their fake late fee
I am not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.
Please see disputes : XXXX,XXXX, XXXX, XXXX, XXXX. These are ALL disputes for the SAME creditor. In the previous disputes, they admitted that hey do not have me in their files nor can they find me. When I disputed their false charges again through Transunion, they " suddenly '' invoiced me AGAIN! Invoice is attached. This is unacceptable and after admission that they do not have me int heir files, this creditor has no basis to assume these charge are mine just because I made a dispute! For the 8th time, this charge is NOT mine. The name on thsi charge is not even mine! My full name is XXXX XXXX, it is NOT XXXX XXXX. XXXX XXXX is my MOTHER. For the love of all that is holy, these charges are NOT mine and they need to be removed ASAP! I again reiterate that I had NOT received anythign from Gen Bus Recoveries until I disputed the entry on my XXXX report.
The Problem : I have been locked out of my accounts and am unable to withdraw money, use my debit card or even check my balance. According to Ally Bank, they are too busy to assist in resolving this in under 48 hours. 

How it Happened : Yesterday ( XX/XX/XXXX ) I tried to make a purchase online with my debit card and it was declined. I called customer service for Ally Bank, with which I have been a customer for 7+ years and have two accounts. The customer service rep I spoke with was, in my opinion, clearly under trained and was unable to answer many of my questions. I disconnected and called back in the hopes of speaking with someone who would be better able to assist me and I reached a woman named XXXX who informed me that the notes said they were having trouble " authenticating my account '' XXXX was able to complete the authentication, explained to me the reason the aforementioned transaction did not go through ( address mismatch ) and then provided information on how to close the account in the future since they have no brick or motor locations. I hung up and tried the transaction again. It was denied. I tried to sign into the mobile app and was directed to call Customer Service again which I did. I spoke with three more people, all of whom gave me different pieces of information and I was advised that I should call the next day because the team that would assist me was not working. It was not explained to me why my account was relocked.

I called the next day and was told that I would have to wait 24-48 hours for a call back from loss prevention and that there was nothing that could be done in the interim. 

I have no way to access any of my money with this institution. I have not been given a reason and the internet is littered with reports of other customer 's accounts being locked for a week or more.
The credit reporting company refuses to investigate a fraudulent charge made with my information. I contacted the creditor directly and they had no record or proof that I requested the information, instead they tried to get my personal banking and answers to secret questions usually used when establishing credit. The fraudulent creditor is perfection collection
Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Equifax via certified mail. Equifax refuses to honor my claim & the evidence submitted. I also requested a reinvestigation online multiple times to no avail. Equifax continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 
3 ) XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
I would also like for Equifax to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
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 required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Equifax removed a fraudulent account and then re-inserted it after it was deleted. this is against the law and the FCRA. The fraudulent account below needs to be removed as it is a violation against the law to re-insert it : XXXX XXXX # XXXX
I was granted both a bank account and credit card by XXXX XXXX. A {$350.00} charge was declined at my doctor 's office and since then my card has been restricted. I have called XXXX XXXX countless times and been told it is " under review '' every time. I have been offered call backs by a manager about 5 times ( or more ) but never received one. This has now been going on for around 2 months.
Due to late payment I have been advised that I do not qualify for automatic payments. Consequently I now have to log in every month to make a payment otherwise incur a fee by doing so over the phone. I can not once online schedule a payment any further than a month out. If, for example I need to reset password, then links sent do not work and I have to make a call to get it resolved. 
SPS is a terrible company. I have only been dealing with them for a few months since transfer, not at my request or wish from XXXX XXXX, to them. 
It seems to me their priority is to make life difficult for borrowers and encourage practices that make it difficult, not easy, to make payment and therefore instigate late fees, penalties etc. 
As a consumer I think it is a disgrace that mortgages can be transferred without notice and create hassle for the borrower. This should be a seemless process. I am very angry and frustrated that companies behave this way and the fact that the government does not have the will to alter their behaviour.
On XX/XX/XXXX, I paid my XX/XX/XXXX mortgage payment in the amount of {$1600.00} to Ditech and my XXXX XXXX XXXX account was debited on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from Ditech that my escrow account was short and noticed a late charge in the amount of {$59.00} was assessed to my account. I called Ditech and spoke with a customer service represenative about the late charge. During my conversation with the respresntative, the representative stated that I have until XXXX to make my mortgage payment and my payment was received at XXXX. I explained to the representative the cut off time for making mortgage payment isn't on the bill statement and I asked how would a customer know this information if the information isn't on the billing statement. The representative was unable to answer my question and advised a manager by the name of XXXX will call me back within 24 hours. 

As a result, the manager never called back and I received the XX/XX/XXXX billing statement stating my mortgage payment had not been received with the late charge assessed to my account. 



Thank you
My name is XXXX XXXX. I have been bank with Chase over 40 years. I am XXXX years old and half XXXX. Currently chase close my checking and savings without any notification. I dont have any prior notification before closing. My branch I always visit is Chase XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA. The bank manager : XXXX XXXX did not help me as a XXXX person. She always mistreat me bad and didnt let anyone to help me with my banking transactions since I am half XXXX. I am sure the reason my accounts are closed because she retaliates against me since I raised a lot of concerns for not being help as a XXXX person. I need more explanation why they treats me worse as a XXXX   person. I feel they violate my right and my XXXX. Also the other banker XXXX, she always refuse to help me. I try to reach to the bank area manager and she also returns no call. I need your help and You may reach me at my cell : XXXX.
In lateXX/XX/XXXXwe received a call from a collection agency regarding a debt with XXXX XXXX. I agreed to pay what I was certain was owed, but XXXX was alleging that we had equipment that had not been returned and that we owed for a month of service that we did not use and had asked them to disconnect our service. I submitted a written dispute to said collection agency outlining my issues with the alleged debt. The collection agency sent a letter within 30 days saying they had investigated the issue and were closing their file. I did not retain that letter, as I assumed this was the last I 'd hear of it. 
Today ( XX/XX/XXXX ), another collection agency ( Collection Bureau of the Hudson Valley ) contacted my husband regarding this same debt with  XXXX. My husband 's name and phone number were NEVER on the account with XXXX. They discussed the account with my husband and again, they alleged to him that we owed a balance and still had equipment that was the property of XXXX. I then contacted Collection Bureau of the Hudson Valley and relayed my previous interaction with the first collection agency. They suggested I contact XXXX directly to have them close my account, as they could n't contact XXXX to discuss my account. I contacted XXXX and requested they close my account, and they confirmed that we did not have any of their equipment, and still attempted to collect funds even after I told them I had already disputed the debt. They claimed they had no information on a dispute from the first collection agency, to which I suggested they contact their contracted agency to obtain that information. 
I believe continuing to attempt to collect this debt after a valid, investigated dispute is in violation of the Fair Debt Collection Practices Act. I also believe contacting my husband - who was NOT listed on the account with XXXX - and discussing the alleged debt with him is also in violation of the Fair Debt Collection Practices Act. I 'd like this type of harassment and violations to STOP.
I made a wire to Coinbase for US {$3000.00} on XXXX XXXX. Due to a name mismatch with the account I used to wire and my receiving account at Coinbase, Coinbase claims to be unable to credit my account. I have called Coinbase dozens of times and opened numerous cases with their support staff but am generally unable to get though due to " high call volume ''. When I can get through, the staff opens a case and claims they will have a " specialist '' look at it. It has been more than two months and I have not heard anything from anyone.

Based on the lack of an real customer support at Coinbase, I contacted my bank and had them reach out to Coinbase 's bank directly, XXXX XXXX XXXX. XXXX XXXX XXXX has request that XXXX XXXX XXXX reverse this wire 5-6 times but they have yet to even respond to this request. It has been more than two months and neither XXXX XXXX XXXX, nor Coinbase have come back to me with anything.
On  XXXX    XXXX   My  XXXX  yr old son which is on my act. made a deposit into the Bank of America ATM of a  XXXX  check and  XXXX  cash. Immediately after the deposit he received a print out that said they have placed a block on his act due to irregular activity. He then called the # on the reciept and the teller said they have lift the freeze and told him to withdraw money to see if it would work. He then withdrew  XXXX  and thought all was well. The following day he attempt to use his card to buy a drink and it was declined b/c there is still a block on the act. Thursday night I called BOA and they transferred me to several people. I explained what happened and said I have a reciept showing the  XXXX  check +  XXXX  cash. After being on the phone for  3 h rs straight and no one could tell me why the act was closing besides there was a " cash jam ''. I wanted to know how he received a reciept for a  XXXX  deposit if it jammed, also with BOA. It takes up to 40 bills and only excepts bills it reads and and says what it reads along with having cameras. Still nothing resolved! Friday morning I went to my branch and brought the  two  receipts. After being there for over  2  hours. All they could do is give me the  # s I  have already contacted. They also said they have had several complaints with that particular ATM. and it was weird I have a reciept with the money in question, but they still closed the act. They suggest filling another complaint, so I did. They said come back to the bank on the following We 'd  XXXX  and they will have more info. When I showed up on Wed all the bank manager could do is give me another # to make another complaint, she also said they have sent a cashiers check of  XXXX  on  XXXX . This will be the 3 complaints with the risk dept, ATM service, claims dept. Since then I have been on hold, hung up on collectively of  5+  hrs trying to understand why they wo n't allow him to get the  XXXX  that he deposited and how can he have a reciept with the money that was deposited if it spit it out. Thanks for any help!
refuse to investigate unauthorized credit inquiries ( XXXX inquires currently - XXXX XXXX XXXX XXXX and XXXX XXXX ).
refuse to provide proof of verification paperwork and process of XXXX negative items on my credit ( XXXX XXXX XXXX and XXXX XXXX XXXX ) these items do not belong to me, yet Experian continues to list them on my file with out proper investigation.