WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX my daughter and I traveled to the XXXX Clinic from NJ. While there, for the first time, I opened an XXXX acct with my TJ Maxx credit card ( Synchrony Bank ). We used the service several times for which I paid in full. During the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the XXXX acct was used fraudulently running up over {$800.00} in charges. I reported the fraud to Synchrony and they opened an investigation. After 3 months I began receiving calls from Synchrony saying my account was delinquent. Again I called to say this was fraud so they opened another investigation. Once again after several months I received a call from Synchrony to say my acct was delinquent. Yet again I went through the Fraud Dept and the Investigation team. I was told my fraud claim had been rejected because I did business with XXXX therefore it was my responsibility to contact XXXX with my fraudulent claim. I have attempted to contact XXXX without success. There is no telephone number nor address to contact. On the their website a web address is provided XXXX. I have in vain sent info describing this incident. After submitting it a several days later a notice comes back saying that it was not received. I can not begin to tell you how many times I 've tried to submit the information to them. In the meantime I have been sending money to Synchrony to protect my credit worthiness. It occurred to me that perhaps Synchrony had a contact that they communicated with or perhaps they also had the issue I was experiencing- not being able to contact XXXX. Today, XX/XX/XXXX, I received a phone call from Synchrony advising me that my account is past due. This time I asked Synchrony to show me actual proof that they did contact XXXX and if so I would like that info so I may get in touch with XXXX. After being switched to the third individual I spoke to XXXX who was an account Manager of Fraud Investigation. Donie was agitated and could not answer the question : who did Synchrony contact at XXXX? I need proof. XXXX said that info was not provided. XXXX said Synchrony had asked me to provide new information. I explained I was never asked to provide new information. Specifically what are they asking for. Once again XXXX could not provide answers. XXXX said this was my responsibility and the investigation had concluded. I asked to speak with a supervisor to which XXXX responded there are no supervisors. I asked for an employee id number to which I was told there were none. I challenged that so XXXX gave the following # XXXX. After 43 min of being on the phone I was put on hold and eventually disconnected. NEVER WAS I INFORMED THAT I COULD CONTACT CFPB IF I DIDNOT AGREE WITH THE CONCLUSION OF THE INVESTIGATION
I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance
Twice in the last 30 days I have submitted money to my Wellsfargo Visa credit card account and XXXX the funds were not applied to my account for approximately four days. They are claiming this is there payment policy " payment float '' Is this legal? It is my understanding that technology makes these funds available immediately. Wellsfargo is claiming it is because I am paying the bill from an account not held with Wellsfargo. This is not an attempt to ensure the payments are good this is an attempt to force people to open bank accounts with Wellsfargo. 
It should be noted the funds are being removed from my checking account held with XXXXBank almost immediately yet Wellsfargo is claiming they are not able to apply the funds for a minimum of four days.
Dynamic Solutions XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Attempting to collect zombie debt. I have filed a complaint with my State Attorney General, documentation was sent proving SOL has expired. 

Review found on the internet : Just received a call from this 'company ', robocall and then probably a 45 second pause to a live person asking for my husband. I said WHO IS THIS? The lady responds DYNAMIC RECOVERY SOLUTIONS? May I leave a message for your husband? I said no, this is a scam call, she said OK Mam, goodbye. Yeah, blocked that number. I do n't have unpaid debt out there. Probably something that 's over 15 years old. Ridiculous. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a call from a XXXX with Dynamic Recovery Solutions, He left an XXXX but also a local number XXXX on XX/XX/2015. 

He had ALL of my information. My previous address, my social security number and said I owed for a XXXX XXXX credit card. He said he would be sending me a statement in a plain white envelope. I called the XXXX XXXX credit card fraud division and they confirmed they found nothing with my name, address or ssn. 
I called XXXX back and he answered! I informed him I spoke with XXXX XXXX fraud division who stated they do not sell debt or use outside collection agencies. This fool says, they did this is a 14 year old debt! I said you have got to be kidding, I am calling the police and I have never heard from him again! And Ii never received that plan white envelope either.
To whom it may concern ; I do some banking with US Bank in XXXX XXXXXXXX XXXX. I usually use it to pay some bills online. Today I went online to discover that my checking account had {$700.00} in it that I had not deposited. I then saw that there was a monthly maintenance fee which is always put on and then waived that same day. I really do n't know why they bother since it 's not a real charge. I noticed that this " fake '' charge had put my checking account {$1.00} in the red. I then saw that the {$700.00} had been taken from my XXXX XXXX credit card as a credit charge against my card. This was termed " overdraft protection from card ending in XXXX ''. This was NEVER authorized by me, nor was I informed about it. Also, I had already deposited {$100.00} on XX/XX/XXXX and this {$700.00} was n't posted until XX/XX/XXXX, over two weeks after the 'on paper only overdraft ' had been posted on XX/XX/XXXX. I feel that not only is invoking overdraft for a 'technical ' charge unfair but the amount is absurdly excessive. I also had more than enough in my savings account with them if the felt they had to cover it. I called their branch office to tell them to take the charge off of my account and was told only the manager had authority to do this. I am very upset about this business practice. I was never told when I was encouraged to sign up for overdraft protection that they would do this to me. On a personal note I am dealing with a serious health crises which will put me in the hospital for several days this week. This is the last thing I need to deal with. I do n't want this to happen to me or anyone else again. 

Thank you for your attention to this matter, XXXX XXXX ( XXXX ) ( XXXX ) XXXX
I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX listed, never lived in a XXXX XXXX XXXX my current address isXXXX XXXX XXXX, Ct XXXX
I have contacted Equifax on many occasions via certified mail which tracking shows they received my notices on XX/XX/18, XX/XX/18, and XX/XX/18 and via phone having spoken to the Fraud department & a few supervisors such as XXXX rep ID XXXX regarding information listed on my credit report. I have asked for validation of accounts such as XXXX XXXX & XXXX and have yet to received any physical proof since i have brought this issue to them. I am not quite sure why it has taken months for them to provide me with documents that per law should already be in their possession as they are reporting information on me that they themselves have no physical proof belongs to me. I have also received notice from Equifax to contact original creditors to further investigate when per law it is not my burden to do the investigation for the credit bureaus. I have although contacted said creditors and either have received no response, incorrect account information ( i.e. someone else account information ) or a notice asking I give a company that to my knowledge i have no dealings with all my personal information in order for them to validate a debt. All of this which has been provided to Equifax and yet still to this day I have not received any physical proof of validity from the original creditors or Equifax. I also sent notice of failure to validate to XXXX and XXXX XXXX as they have not provided physical proof to me so what have they provided to Equifax that could not be given to me is what I dont understand. This has been on going for months which if they are obligated by law to have this documentation in hand as they keep saying the information has been verified as accurate why have I yet to receive any physical proof from either Equifax on the creditors.
Dear Sir/Madam : In past years I have been a customer of Springleaf Financial. I have had serveral loans which I paid on time, or paid off early. Applying for a new loan, I was denied. I feel that they have discriminated against me, for they have no valid reason. Since I had ALWAYS PAID Springleaf they have no justification of denying this small loan of {$2500.00}. 
Therefore, they are granted a license by the state and federal government agency to help people in time of need. As you are aware 26 % is no bargain. 
I am requesting that this matter be looked at. 
Thank-You XXXX XXXX
To : CFPB XXXX XXXX Columbus, OH XXXX ( XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX. Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX
I have been the victim of Identity theft the following inquiries were not authorized by me and these are the final items I have noticed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Hi, I got out of school about the summer  of 2016 at University XXXX XXXX XXXX and I had put in a change of address that summer at the home I was living in and it kept sending it to my old address where I had lived before I left college and I put in a change of address at our local post office here in XXXX, PA and they said they had sent letters and documents to my house for me to fill out and get back to the loan provider and I never received any type of paper work or any type of payment option to get my loans paid off and it was negatively affected my credit score and it should be removed because the address was not a fault of mine.
XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS INC Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
This company has not provided verification of this debt. I previously reported this account through Consumer Financial Protection Bureau and they remove the account from my credit report. 

This month they re-reported the same account. I also have a collection bill from another company XXXX XXXX XXXX trying to collect the same debt. 

They are falsely trying to collect this debt and re-selling it. I do not owe this amount
I was never contacted about this debt even though the original vendor ( XXXX ) and the agent had my telephone information and my email address. The Agent simply " flagged '' my Credit Report adversly impacting my score. The Agent advised that they did not have the responsibility to attempt to contact me and that if I did not pay the bill they would continue to adversely impact me credit score. I advised them that if they had contacted me I would have paid the bill. In fact, I contacted XXXX and paid the bill. 
Without going through proper, professional business practices, this agency is using it 's ability to adversely impact a consumers very important Credit Score to extort payments from customers
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Navy Federal Credit Union ( NFCU ) Acct # XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
COMMERCE BANK FINALLY CORRECTED OUR ON LINE ACCESS! WE WERE UNABLE TO MAKE ON LINE PAYMENTS AND AS A RESULT HAD TO PAY BY U.S. MAIL. ( SEE ATTACHED ). PLEASE CORRECT LATEPAYMENTS.
Homeowner is currently foreclosure and, by and though his XXXX counselor, XXXX XXXX XXXX, has submitted a completed loss mitigation package. In XXXX XXXX XXXX XXXX confirmed with Nationstar that a full and complete modification packet had been submitted. On XXXX XXXX and XXXX XXXX, XXXX XXXX contacted Nationstar to re-affirm that the loss loss mitigation was complete and under review.Meanwhile, the foreclosure sale had been reset seven ( 7 ) times in anticipation of Nationstar making a decision on the loss mitigation application However, before Nationstar informed Homeowner whether he was approved for a loan modification to reinstate the loan, Nationstar informed Homeowner that the loan was transferred to Sharepoint on XXXX XXXX, XXXX. Homeowner has since been advied that the will need resubmit his application for a loan modification to Sharepoint. Because of Nationstar 's blatant disregard for the servicing loss mitigation rules, Homeowner is at risk of losing his home. Furthermore, Nationstar failed to advise client or his XXXX Counselor as to whether Homeowner was approved or denied for a loan modification.
Got a collections notice from a company saying I owe money. I sent them a letter stating that " Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts:1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Connecticut ; 4. proof of the last payment made on the account. '' The company responded with a letter stating " we have notified the client of your dispute and they have verified the information on this account to be true and accurate ''. There was no proof, nothing in writing, no proof of payments. Are they allowed to show this as proof ... saying that they contacted the client and they agree that it is legit? How is that possible? 
I had many problems with XXXX XXXX and my billing issue, including sending the bill to the wrong address. XXXX claimed they fixed the issue, but after 6 months I decided that I would call and complain weekly until the fixed it. They ended up waiving my bill because this issue was going on for about 9 months. The last person that I spoke to said they would waive my bill, but I told them to cancel my service instead. I think this was XXXX XXXX 's way of getting back at me for cancelling my service with them. I was told this bill would get waived. I 'm sure they have that recorded somewhere in their file.
Someone fraudulently used my credit to establish a line of credit. Experiencing multiple offers of insurance, health insurance, and credit card applications unwarranted via email and cellphone due to the latest massive credit breach.
On XXXX XXXX, 2015, I purchased a vacuum from XXXX and paid for it using XXXX on my credit card. I used my Capital One Visa card. The amount was for {$960.00}. I received the vacuum in XX/XX/XXXX. However it did not work. I tried to return it by emailing the merchant, XXXX XXXX, XXXXXXXXXXXX. The merchant would not allow me to return it. Then, I contacted XXXX, they said I must deal with the merchant and it would be her decision. I then, filed a dispute with Capital One Bank. On my XX/XX/XXXX statement I was re-billed {$970.00}. An amount that was higher than the original purchase. I called Capital One Bank to ask them how to resolve the problem. They told me that a letter was sent on XX/XX/XXXX stating I would need evidence supporting the vacuum does not work and also a letter from another company who sells vacuums, stating 1. what the merchant who who sold me the vacuum did incorrectly, 2. how the problem can be corrected and 3. the cost to correct it. 
My problem is that I can not find another company who sells vacuums that will give me this type of letter they are requesting, especially if I did not purchase from them. I also do n't know how to give evidence that the vacuum does not work, another requirement from Capital One Bank. 
I feel these requests that Capital One Bank are impossible to obtain and completely unfair.
Bankruptcy on my credit report not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
On my credit report these is a collection from " XXXX XXXX '', however I have failed to contact them, I ca n't get a hold of the company, I believe they no longer exists. If they do n't exist anymore and I can not make contact with them, then I want this off my credit report. I have also called and emailed ( XXXX/XXXX/2016 ) Ashmer Collections and they have n't responded to me.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or  120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, 2018 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it may concern : As a longtime customer, I write with two complaints : Customer assistance connected me with a XXXX scam which may have compromised my computer. 

Customer service has no way to provide immediate feedback about my concerns. 

My customer record should show three calls to Capital One, two on XXXX XXXX and one today. 

While working with XXXX on XXXX XXXX, I had a problem with a XXXX/Capital One Authorization step. No one at Capital One has knowledge of this change although I reproduced it. After calling, I was transferred from Customer Service to Digital Support and ultimately told only XXXX could solve the problem. Because XXXX does not have Sunday support, I was surprised when the Digital Representative patched me through by phone. I therefore trusted the call. XXXX said an agent would call me back shortly. One did who wanted access to my computer which I granted, assuming this source was trusted. Eventually I was told I would need to pay for the problem. Since it was not a problem I had created, I suspected it was a scam and said so. The XXXX agent disconnected. 

I called Capital One to report the problem and again was transferred to a Digital Representative. There was no acknowledgement or ownership of the problem. We were disconnected, and I was too frustrated to call again after several hours on the phone with several people. I called back today. I went through the same process where a Customer Service Representative and Manager and the Digital Representative told me I could write this letter. 

I ask that Capital One assure me that Digital Representatives connect with only valid XXXX agents, and I ask that a more direct customer complaint process be put in place. 

I am sending a copy of this letter to my senator and to the Consumer Finance Protection Bureau.  Should you need to contact me, I can be reached at XXXX or by email at XXXX XXXX 

Sincerely yours, XXXX XXXX XXXX
2nd attempt to drop PMI on my mortgage loan with Wells Fargo. First attempt a few years ago I missed the appraisal mark by XXXX when a duplicate house with less renovations as mine on a smaller lot sold for XXXX more than my appraisal. Now attempting since XX/XX/XXXX to do the same thing but Wells Fargo will only accept an appraisal by core logic that they are in partnership with, owning companies together, as late as XX/XX/XXXX and wanting to charge me {$550.00}, {$200.00} more than the national average, for said appraisal. Now I'm finding out that XXXX, who holds the mortgage insurance policy, has strong ties to Wells Fargo so there is strong incentive to bias the appraisal that they control to keep me paying premiums on mortgage insurance. 
1 : Why can't I use any licensed appraiser? and 2 : Why is their fee {$200.00} above the national average? 

Seems to be extremely unfair towards the borrower.