WillisBack/dataset-financial-user-claim huggingface dataset:
Designed Receivable Solutions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX RE : Account # XXXX This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, because the software can have limitations when it comes to completing a proper investigation of records. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. 
Basis for dispute : I do not recognize this account and am requesting an investigation. 
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which will also include complete removal of the account. Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30 days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5 days of the completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the 3 credit reporting agencies ( XXXX, XXXX, XXXX ), of deletion of this information from my credit file. XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.To avoid potential legal action and further issues, I hereby request that you remove the account from my credit report. 

Sincerely, XXXX XXXX XXXX/XXXX/XXXX
This is the XXXX complaint as the XXXX was not satisfactorily resolved and WF seems to just do what they want.  Am curious what you all do to help the consumers?  They made msitakes paying insurance and then took out more money from my checking to cover an increase, which even that, they took earleier then they had stated in the notice they sent me.  I even transferred more money to cover the shortage but now they have not even returne my monthly mortgage to where it is meant to be at XXXX.  It is still at XXXX which is over $200 increase monthly....how are they allowed to do this?  I am so sick of this and their mishandling of my money.

On top of that it's a really crappy way to treat Veterans.
Wells Fargo Dealer Service inaccurate reporting to the Credit Reporting Agency about, late Auto payments, no insurance and harassing phone calls. Wells Fargo Dealer Services has been calling me at 3 times a day for about a month or so ago. They allege that I owe them money, extra money and increased the balance owed on my auto. I have not missed a single payment ever since I got the car loan through them. I requested a deferment on my pay in XXXX XXXX, they granted my request. They have claimed that I do not have full coverage auto insurance, and that is why they believe I owe them money ; when again this is incorrect. I have submitted proof of insurance online, through a website they provide, as well as over the phone. The website is very difficult to manage due to the site off and on malfunctions. I spoke with the customer service representative multiple times about what they need to correct. This did not resolve the issues and even though Wells Fargo sent me documentation stating that my Insurance policy was updated and effective since XXXX XXXX XXXX Wells Fargo still reported me late for the month of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. When I call to explain the errors made by WFDS the customer service gives the same update stating that they will not the file. Now because of WFDS inaccurate reporting and attempting to add fees has caused a chain reaction when applying for a place to live for my XXXX children and myself. I feel this is a great deceptive pratcice used by Wells Fargo Dealer Services.
I have been using my Capital One GM card to pay for insurance for several years and until recently never experienced a problem. XXXX XXXX XXXX I received a notice from XXXX insurance that my policy had been canceled for nonpayment of premium. I immediately called XXXX for an explanation and was told that my charge to the credit card was declined which I could not understand I will tell you right up front I have an XXXX credit score and finance nothing on my credit cards. After investigating the problem I found out capital one changed my credit card account number without proper notification. I immediately called Capital One and asked them to send me a letter of explanation so that I could forward it to XXXX showing it was not my fault and they would reinstate the insurance. I was told by XXXX XXXX that she would not send any letter indicating a mistake had been made by them. I find it extremely interesting that I was still making payments I charged with my old account number and they had no problem processing it. I do not know whether this affected my credit score but it was extremely embarrassing and I find it unbelievable they are not willing to take responsibility for their action.
I deposited a check for {$8600.00} at a Chase ATM on XX/XX/2019. The check was a reimbursement from my insurer for damage to my home. The deposit was credited to my account and then on XX/XX/2019 the entry was reversed. On XX/XX/XXXX Chase sent a message that the check deposit was rejected. Chase did not provide any steps on what I should do next to receive the funds. 

The check was made out to three individuals : ( 1 ) Me, ( 2 ) a public insurance adjusters, and ( 3 ) the holder of the note on my mortgage. After spending 40 minutes on a call with Chase, they told me that I could not deposit the check because the check had to be endorsed by both me and the public adjuster. But the check was endorsed by me and the public adjuster. It was only after I insisted for 40 minutes that Chase accept the check did the representative check with her supervisor, who pointed out that a third entity -- XXXX XXXX didn't endorse. She said they would send a legal copy of the check which could then be endorsed at a Chase branch. 

Then I asked, " So do I have to take this to XXXX XXXX? '' " No, '' she replied This is a stupid conclusion if you think about it : if XXXX XXXX doesn't have to endorse the check now, why did XXXX XXXX need to endorse it then? 

On the next business day I take the check to a Chase branch. Guess the response : " You have to take this to XXXX XXXX. '' Because of Chase 's delay, my checking account was low and I nearly bounced checks. If I didn't maintain sufficient funds and bounced checks, who do you think is going to be responsible for that? Is Chase going to reimburse me because their misinformation delayed the deposit of the funds that I urgently needed? I bet they wouldn't. 

If I didn't affirmatively reach out to Chase to ask what the next steps would be to deposit the funds, was Chase going to call me and tell me what to do? Doesn't look like it. 

Chase should have to implement a training policy on cashing checks related to insurance claims and communicating with their customers. It's not fair to consumers who need funds immediately to repair their homes that were damaged. Currently my home is missing large sections of its floor, the air is full of dust and I have to live there without being able to move forward with repairs due to Chase 's idleness.
I have been a bank of America ( BOA ) customer for the past 12 years and that will be coming to an end this Saturday. I already closed one of my account today and the others will be close this weekend after my direct deposit hit my account. I was in the process of purchasing a home long story short ... I was charged {$390.00} for an appraisal, however I felt like the service was not provided. The loan officer never communicated with me throughout the entire process, I sent him several emails asking him what 's the status of the loan and got no response, and at one point I was told that the loan will not be submitted, so YES, EVEN THOUGH I SIGNED THE APPLICATION I WAS NEVER PROVIED THE PROPER SERVICE. I called BOA explain to them and they provided me with provisional credit and within 1 month they deducted the {$390.00} back from my account. I 'm upset at BOA because as my bank they did not protect me, I was charged for a service that was not provided. Especially for the fact that I am a " Preferred Rewards Gold Client '', which is supposed to be one of their best account for high value clients. Oh please!! This is the high value treatment that I am receiving as gold reward client. I called them this morning to find out why they denied my claim and that I would like to resubmit the claim and dispute the same charges and the representative says no because they already denied he claim due to the fact that I signed the application.
The interest rates were capped by the US prime rate. I understand that I had a variable interest rate loan however at different times during the course of the last 11 years I was charged much more in interest than what was the " prime rate ''. My lender has indicated that the rate is set by the lender however my promissory note indicates differently. I was charged late fees at {$5.00} per month while the loan was in " in school deferment '', the loan was capitalized 7 times from XX/XX/XXXX-XX/XX/XXXX equaling almost {$4000.00}. This loan originally started as a {$6000.00} loan. At one point the balance was over {$13000.00}. That is over 100 % interest in the last 11 years.
I tried to contact the bank first because somebody used the business card of our company to buy different items. As soon we noticed that some transactions happened in XXXX we went to the bank to block the debit card and to make a report. 

A couple of days ago the bank responded that they think we made the transaction. I have enough notes that we were in XXXX during the incident and all the transaction says something about XXXX. 

We want to resolve this issue because the amount is over {$3000.00} and we need the money to keep working. We just missed our sales monthly goal due to this incident because we did not had enough gas to keep driving and go to work with our employees.
I went to XXXX and requested my Transunion report. The process took me to Transunion 's website, where I could not view my credit report. I tried to do the process again, but the site told me it could not give me my credit report because I had already requested it. When I tried to contact their customer service, everything was set up for different inquiries and there was no way to chat with the people except over phone which I did not want to do in my office.
Calling many times a day about payment that are n't overdue. XXXX is the number calling. Wo n't leave messages.
Dear Sir/Madam, i : received the following message from CFPB, " Thank you for your complaint XXXX about XXXX XXXX XXXX XXXX XXXX. 
This complaint appears to be a duplicate of a complaint we've already processed for you. That complaint number is XXXX. This complaint is now closed. There will be no further action on this complaint. " This decision by CFPB is in clear error based on the following : 1. Complaint number XXXX was, inter alia, concerning, strangers to the transactions unlawful attempts to extort monies from me. 
2. However, Complaint No.XXXX about XXXX XXXX XXXX XXXX XXXX is about chapter XXXX trustee wiring my and estate monies of about $ XXXX, to unknown accounts, after i : had sold the subject property, 14 days after the close of escrow and when my objections to he proof of claim 6-1 as well as both the Debtor and my objections to the alleged arrearage of about {$450000.00} was on records. The key word is CLOSE OF ESCROW WHICH TOOK PLACE ON XX/XX/2016 WHILE THE ESTATE AND MY MONIES OF ABOUT $ XXXX WERE EMBEZZLED OUT OF THE ESCROW 14 DAYS AFTER THE CLOSE OF ESCROW. This is a criminal offense of embezzlement, Chapter XXXX trustee had no jurisdiction to embezzel my and the estate monies of about $ XXXX to anyone, 14 days after the close of escrow. 

Please recognize that the two complaints ARE NOT DUPLICATES and inform me accordingly. 
Thank you XXXX XXXX XXXX XXXX
Nationstar Mortgage is well aware of litigation concerning the Deed of Trust they've recorded an assignment.  There's litigation pending that the Deed of Trust is void.  In an attempt to obstruct justice, commit fraud upon the Court and defraud me, Nationstar Mortgage is filing fraudulent documents to harass me. On XX/XX/XXXX Nationstar Mortgage recorded a Corporate Assignment of Deed of Trust without any authority. The Deed of Trust allegedly assigned is the subject of the lawsuit styled XXXX v. XXXX XXXX XXXX XXXX XXXX in the XXXX County, Texas District Courts numbered XXXX.  Nationstar Mortgage is aware of the pending suit referencing this Deed of Trust.  Nationstar Mortgage is filing fraudulent governmental records in the XXXX County Real Property records to harass me and create a cloud on my title. Nationstar Mortgage should cease and desist further fraudulent recordings on my property.  On XX/XX/XXXX Nationstar Mortgage recorded a Corporate Assignment of Deed of Trust assigning the same Deed of Trust to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX  (defunct entity) .  Under Texas law,  an assignment cannot be made by a XXXX man; it is a transfer by one existing party to another existing party of some valuable interest. XXXX v. XXXX, XXXX XXXX XXXX XXXX (XXXX. XXXX. XXXX.-XXXX  XXXX, XXXX XXXX XXXX.).
A representative name XXXX from a company name ADR Group called my mother in law and said I was being sued and going to jail and that I have a debt to pay. When she asked where from XXXX would n't tell her. All he said was take his name and number and have me call him. I called the company immediately and spoke to XXXX different representatives. The second rep name XXXX said I had to pay a credit card debt. I asked what was the name of the company and he said XXXX. I said I do n't have or had a credit card name XXXX. I said what is the phone number to the company, how much do I owe, and what is the account number. XXXX gave me account number that turns out to be bogus. He would n't give me the phone number or tell me the balance owed or when I alleged got this card. So I XXXX premier phone number. I gave them the alleged credit card number and my social. And the representative from premier said I do n't have a account with them and that the company was fraud scam and do n't pay them anything. I said I did n't and immediately called ftc.
Someone named " XXXX XXXX '' was calling my cell phone repeatedly. She then began to call my office phone repeatedly. She was harassing me, threatening to sue me, to call my payroll department, and cornered me into giving her a payment arrangement I knew I could not make. I explained to her I am a single mom, sole provider to my XXXX sons and she said I do not have a hardship. " More money more problems '' is what she said. She called me repeatedly since XXXX 2017. She called from various phone numbers. The original loan was from XXXX, who sold the debt to This company. This lady did n't tell me the name of their company. I only know it to be " XXXX '' as that is what shows up on my bank statement.
I have too many inquiries on my credit report. I have not applied to any companies for credit. I have been a victim of identity fraud in the past and my bank cards have been hacked on multiple occasions. I noticed that XXXX of the options for improper use of a credit report is opting out from marketers. I 'm not sure if that is the case with me but I know I have not applied for any credit except car insurance. Please help me resolve this issue. Thank you.
On XX/XX/XXXX I deposited an IRS check in the amount of {$6800.00} to my checking account ending in XXXX. In error, the amount deposited was {$5800.00}. I discovered the error in contacted BBVA by email on XX/XX/XXXX. I received a reply email from XXXX XXXX stating that government issued checks are not eligible for mobile deposit and I could either go to a branch and deposit my check or mail it. Due to the fact that I live over 60 miles away from the nearest branch location and at the time transportation was an issue ; I mailed my check to BBVA Compass Vault Services XXXX XXXX XXXX XXXX Alabama XXXX. On XX/XX/XXXX I received a letter from BBVA stating that my dispute was received and the investigation determined that my disputed transaction was a correct transaction and or authorized. I never made a dispute on this account and the amount of the dispute was XXXX to XXXX. The account number listed was incorrect and when I researched the amount of the dispute along with the date there was never any transaction made in that amount with the merchant listed on my account ending in XXXX or the incorrect account number ending in XXXX. The notice I received was not my dispute nor the correct account. I am still waiting on my IRS check to deposit and it has been over thirty days. I find it very strange that I receive that dispute letter approximately around the time that my check was supposed to be deposited.
I spoke to XXXX people at TransUnion. I had a simple question : why is my credit score dramatically lower when I have XXXX % of the debt I had when my credit score was higher. 
They could provide no reason and repeatedly asked if I wanted to dispute any items on my report which I explained was not the problem. The first XXXX folks I spoke to at their overseas call center spoke English so poorly I had to ask them to repeat what they said three or four times.
citi bank did n't response to my argue sent on XXXX regarding to Case number : XXXX.
On Tuesday, XX/XX/XXXX at XXXX XXXX EST, XXXX XXXX from XXXX XXXX called my work. I advised him that he was calling a business line and can not call this number. He then called back three times in a row and left the following message. 

XXXX XXXX Voicemail from XXXX. 
52 seconds Good morning calling regarding XXXX XXXX. My name is XXXX XXXX calling with the Weinberg Group. Our firm was retained to a mutual client with obviously you have no intentions on setting up any kind of voluntarily payment arrangement just your history and hanging up and ignoring our collection efforts. We are gon na recommend a judgment to be filed against you to secure that final balance that is been unpaid since XX/XX/XXXX. If you'd like to give a statement or have any legal representation please contact our office. You do have eight of the reference numbers that we will be calling. You can call me directly at XXXX ext. XXXX. This will be our final notification. Thank you. 

Then on Wednesday, XX/XX/XXXX at XXXX XXXX  EST he called my work again and I did not pick up. 
XXXX XXXX Voicemail from XXXX. 
1 seconds This person called but did not leave a message. 

XXXX XXXX EST on XX/XX/XXXX, he called again and I did not pick up. 

XXXX XXXX EST on XX/XX/XXXX, he called again at which point I picked up and I advised him again that he was calling a business line that does not allow these calls and not to call again. 

He called back at XXXX XXXX EST on XX/XX/XXXX and I again advised him not to call this number, it is a business line and it is not allowed. 

XXXX XXXX  EST XX/XX/XXXX, he called again, I did not pick up. 

This is beyond harassment and he is knowingly putting my job in jeopardy. This is very unprofessional and needs to stop. He has my personal phone number, there is no reason for him to call and harass me at work repeatedly.
Someone stole my ATM card and PIN number. Now, because the thief used my card in the vicinity of where I live and possibly at a merchant I 've visited in the past, they say I 'm responsible. I have no control over what a thief does with my stolen card. 
U.S. Bank did n't even research my claim. They just brushed it off and denied my claim!
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
I have been disputing a credit card that is reporting on my credit reports. Bank of America is the bank. XXXX has finally removed this account off my credit report However XXXX and XXXX are still reporting it. I keep disputing it and I keep getting the results of the investigation are that the account has been verified as mine. I just put this dispute in with XXXX again 3 days ago and they got the results of the investigation within 3 days? Unheard of. I was always told I have to allow 30  days for the investigation I also explained in my dispute that XXXX has responded to delete the account and XXXX and XXXX should be receiving the same response. I spoke with corporate office supervisor and explained that I did not make these purchases. I received a call back from corporate office a week and a half later and was told because it 's fraudulent charges they will send me paperwork to fill out and return which I did. Finally XXXX removed it but XXXX and XXXX are not doing a thing about this and my credit score is being ruined
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, Experian, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Citizens Bank has repeatedly reported that my auto loan has been included in ch XXXX bankruptcy. This loan has never been included in bankruptcy nor am I in bankruptcy. They issued a letter XX/XX/XXXX correcting the information reported on my credit report stating it was current and never in bankruptcy. On XX/XX/XXXX they again reported this loan as included in ch XXXX bankruptcy. How can they continue to report inaccurate information and expect me to wait for letters while I am trying to make a purchase. This affects my ability to purchase a home by stating I am in bankruptcy and it is affecting my fico scores.